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VISION

Active
KBO/BCE: BE 1005.807.945
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Age2 yrs
Staff (FTE)29.5
Real estate1 parcel · 7,791 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VISION is 1.9% (moderate). The 2024 annual accounts show equity of €456k and a net result of €48k. Its solvency ranks better than 45% of 1225 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 18-09-2025 49 d late 2025-00495188

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.9% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€48k
Working capital€270k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 18-09-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 16.7% 20.4%
better than 45% of 1225 sector peers
Net result €48k €26k
better than 60% of 1224 sector peers
Equity €456k €142k
better than 78% of 1225 sector peers
Gross operating margin €1.76M €217k
better than 95% of 1223 sector peers
Staff costs €1.60M €163k
higher than 95% of 933 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositverkort
Revenue-
EBITDA€142k
Net profit€48k
Cash flow€125k
Staff costs€1.60M
Income taxes€3k
Dividends-
Total assets€2.72M
Equity€456k
Debt€2.27M
of which ≤ 1y€1.61M
of which > 1y-
Working capital€270k
Employees (FTE)29.5
Ratios (computed)
2024
Current ratio1.17
Quick ratio0.74
Working capital ratio9.9%
Solvency16.7%
Debt / equity4.98
Long-term debt ratio-
Interest coverage9.18
Gross margin-
Net margin-
ROA1.7%
ROE10.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2.72M
Fixed assets 21/28€843k
Intangible fixed assets 21€193k
Tangible fixed assets 22/27€645k
Financial fixed assets 28€5k
Current assets 29/58€1.88M
Stocks & contracts in progress 3€685k
Amounts receivable within one year 40/41€494k
Cash & bank 54/58€698k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.72M
Equity 10/15€456k
Contributions / capital 10/11€408k
Reserves 13€48k
Amounts payable 17/49€2.27M
Amounts payable within one year 42/48€1.61M
Trade debts payable within one year 44€1.32M
Income statement
Gross operating margin 9900€1.76M
Operating result 9901€65k
Financial income 75€2k
Financial charges 65€15k
Result before taxes 9903€51k
Income taxes 67/77€3k
Net result for the period 9904€48k
Result to be appropriated 9905€48k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
63 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Kempenplein 13910 Pelt

Establishment units

1 location
VISION
Kempenplein 1, 3910 PeltDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)
since 20242.355.791.884
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area7,791 m²
Buildings1
Building footprint4,090 m²
Volume (LiDAR)22,639 m³
Tallest building12.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72025E0084/00P000 Flanders 7,791 m² 1 · 4,090 m² 12.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health63Profitability52Solvency26Growth-Stability67
52 / 100

Mixed profile: strong on stability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 63
Profitability 52
Solvency 26
Growth -
Stability 67

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,627 of the 10,428 companies in this sector. 649 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114
Primary activity highlighted.
Names & trade names
Legal nameNL VISION
Registered office
Kempenplein 1
3910 Pelt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.