ViZo Immo
ActiveSummary
ViZo Immo has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €319k and a net result of €-17k. Equity is shrinking by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▲+51
Solvency99▲+16
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 14.57 against 6.6 in 2024; short-term debt: 1.3% and cash: 16.9% of total assets), and 26.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €319k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
45 d early
2023
146 d early
2022
30 d late
2021
113 d early
2020
67 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€319k▲ 167%
2024 · €119k
2018: €772k
2019: €754k
2020: €735k
2021: €706k
2022: €135k
2023: €130k
2024: €119k
2018 → 2025
Total assets
€434k▲ 109%
2024 · €207k
2018: €939k
2019: €922k
2020: €901k
2021: €875k
2022: €223k
2023: €217k
2024: €207k
2018 → 2025
Net result
€-17k▼ 61.9%
2024 · €-10k
2018: €-23k
2019: €-18k
2020: €-19k
2021: €-29k
2022: €-7k
2023: €-6k
2024: €-10k
2018 → 2025
Working capital
€74k▲ 338%
2024 · €17k
2018: €42k
2019: €52k
2020: €58k
2021: €31k
2022: €29k
2023: €24k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€706k-€135k▼ 80.8%€130k▼ 4.2%€119k▼ 7.9%€319k▲ 167%
Operating result€-29k-€-7k▲ 76.5%€-6k▲ 17.8%€-10k▼ 80.4%€81k
Net result€-29k-€-7k▲ 75.6%€-6k▲ 20.1%€-10k▼ 79.7%€-17k▼ 61.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €81k after a loss of €10k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €434k
Fixed assets
€355k ▲ 89.3%
Current assets
€79k ▲ 299%
Equity and liabilities €434k
Equity
€319k ▲ 167%
Provisions
€25k
Debt
€90k ▲ 2.8%
Debt's share of the balance-sheet total falls from 42.4% to 20.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€107k▲
2024 · €-896
Cash flow
€9k▲
2024 · €-934
Current ratio
14.57▲
2024 · 6.60
Debt to equity
0.28▼
2024 · 0.74
ROE
-5.2%▲
2024 · -8.6%
ROA
-3.8%▲
2024 · -5.0%
Interest coverage
1474.34▲
2024 · -19.91
Debt ≤ 1 year
€5k▲
2024 · €3k
Debt > 1 year
€85k=
2024 · €85k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€207k€434k▲
Fixed assets21/28€188k€355k▲
Tangible fixed assets22/27€188k€355k▲
Land and buildings22€184k€353k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€20k€79k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€1k€6k▲
Trade receivables40€0€6k▲
Other amounts receivable41€1k€0▼
Current investments50/53-€0
Cash at bank and in hand54/58€19k€74k▲
Deferred charges and accrued income490/1€78€0▼
Equity and liabilities
Total equity and liabilities10/49€207k€434k▲
Equity10/15€119k€319k▲
Contributions10/11€194k€337k▲
Capital10€194k€337k▲
Issued capital100€194k€337k▲
Reserves13-€74k
Tax-exempt reserves132-€74k
Profit (loss) carried forward14€-75k€-92k▼
Provisions and deferred taxes16-€25k
Deferred taxes168-€25k
Amounts payable17/49€88k€90k▲
Amounts payable after more than one year17€85k€85k=
Other amounts payable178/9€85k€85k=
Amounts payable within one year42/48€3k€5k▲
Trade debts44€391€2k▲
Suppliers440/4€391€2k▲
Taxes, remuneration and social security45€0€606▲
Taxes450/3€0€606▲
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€26k▲
Other operating charges640/8€2k€658▼
Gross operating margin9900€771€107k▲
Operating profit (loss)9901€-10k€81k▲
Financial income75/76B€7€750▲
Recurring financial income75€7€750▲
Financial charges65/66B€45€72▲
Recurring financial charges65€45€72▲
Profit (loss) for the period before taxes9903€-10k€82k▲
Transfer from deferred taxes780-€827
Transfer to deferred taxes680-€99k
Profit (loss) for the period9904€-10k€-17k▼
Profit (loss) for the period to be appropriated9905€-10k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€-92k▼
Profit (loss) brought forward from the previous period14P€-65k€-75k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 14.57
Current ratio from 6.60 to 14.57.
31-12
Financial
Equity above €200kEq €319k ▲167%
Equity rises from €119k to €319k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity times 5current ratio 14.28
Current ratio from 2.84 to 14.28; short-term debt falls from €17k to €2k.
09-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Soumagne · 1 establishment unit since 2005
Ground area
1.0 ha
Building footprint
231 m²
Volume, LiDAR
1,499 m³
2 parcels, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AVGS
since 20052.149.970.059
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62034A0245/00C000 | Wallonia | 5,622 m² | 1 · 145 m² | 8.4 m · 2 fl. |
| 62033A0180/00N000 | Wallonia | 4,594 m² | 1 · 86 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DO PROJECTS
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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 4,922 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-09-2005
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.