BELLA VITA
ActiveThe annual accounts of BELLA VITA for fiscal year 2025 show a net loss of 60% of total assets and of 60% of the equity at the start of that year. The 2025 annual accounts show equity of €69k and a net result of €-103k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 4539 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency65▼-35
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.67 against 24.53 in 2024; short-term debt: 59.9% and cash: 99.4% of total assets), but 59.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.1%
Return on assets
-60.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
19 d late
2023
19 d early
2022
297 d late
2021
44 d late
2020
1 d early
2019
63 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€12k
EBIT margin
-674.7%
Net result
€-103k
2024 · €49k
2018: €-149k
2019: €-84k
2020: €-28k
2021: €-25k
2022: €56k
2023: €-19k
2024: €49k
2018 → 2025
Working capital
€69k▼ 60.0%
2024 · €172k
2018: €224k
2019: €141k
2020: €112k
2021: €87k
2022: €143k
2023: €124k
2024: €172k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€143k▲ 64.4%€124k▼ 13.5%€172k▲ 39.3%€69k▼ 60.0%
Operating result€-30k-€56k€-46k€49k€-103k
Net result€-25k-€56k€-19k€49k€-103k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €103k after €49k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €172k
Equity
€69k▼ 60.0%
Debt
€103k▲ 1,308%
The debt ratio rises from 4.1% to 59.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
40.1%▼
2024 · 95.9%
Current ratio
1.67▼
2024 · 24.53
Quick ratio
1.67▼
2024 · 24.53
Debt / equity
1.50▲
2024 · 0.04
ROE
-150.2%▼
2024 · 28.2%
ROA
-60.1%▼
2024 · 27.1%
Debt
€103k▲
2024 · €7k
Debt ≤ 1 year
€103k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€180k€172k▼
Current assets29/58€180k€172k▼
Amounts receivable within one year40/41€1k€995▼
Trade receivables40€259€0▼
Other amounts receivable41€807€995▲
Cash at bank and in hand54/58€179k€171k▼
Equity and liabilities
Total equity and liabilities10/49€180k€172k▼
Equity10/15€172k€69k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€105k€1k▼
Amounts payable17/49€7k€103k▲
Amounts payable within one year42/48€7k€103k▲
Trade debts44€7k€102k▲
Suppliers440/4€7k€102k▲
Other amounts payable47/48€713€713=
Income statement
Code20242025
Other operating charges640/8€455€101k▲
Gross operating margin9900€50k€-2k▼
Operating profit (loss)9901€49k€-103k▼
Financial income75/76B€0-
Recurring financial income75€0-
Non-recurring financial income76B€0-
Financial charges65/66B€508€567▲
Recurring financial charges65€508€567▲
Profit (loss) for the period before taxes9903€49k€-103k▼
Profit (loss) for the period9904€49k€-103k▼
Profit (loss) for the period to be appropriated9905€49k€-103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€1k▼
Profit (loss) brought forward from the previous period14P€56k€105k▲
Social balance
Average headcount (FTE)90870.0-
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-09
State Gazette act
General meeting · Director reappointmentGeneral meeting · Director reappointment · Director resignation9 facts ▸
State Gazette act
General meeting · Director reappointment
General meeting · Director reappointment · Director resignation9 facts ▸
- General meeting, 2026-06-24
- Director reappointment, Sophie LE CLERCQ (Administrateur)
- Director reappointment, Gaël CRUYSMANS (Administrateur)
- Director resignation, Adel Yahia Consult SRL (Administrateur)
- Director appointment, AG Investment Management SRL (Administrateur)
- Permanent representative, Alfred Galle
- Mandate compensation, AG Investment Management SRL
- Permanent representative, Frederic Poesen
- Permanent representative, Jonas Nachtergaele
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
2024
31-12
Financial
Back to profitnet €49k
Net result €49k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 24.53
Current ratio from 6.01 to 24.53; short-term debt falls from €25k to €7k.
31-12
Financial
Equity above €150kEq €172k ▲39.3%
Equity rises from €124k to €172k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 297 days late
2022
31-12
Financial
Back to profitnet €56k
Net result €56k after 4 loss-making years.
31-12
Financial
Liquidity times 31current ratio 55.36
Current ratio from 1.76 to 55.36; short-term debt falls from €114k to €3k.
31-12
Financial
Equity above €100kEq €143k ▲64.4%
Equity rises from €87k to €143k.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 44 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 63 days late
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 41 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26114426). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
AG Investment Management
CurrentDirector · since 01-07-2026 · Private limited company · perm. rep.: Alfred Galle
Gael CRUYSMANS
CurrentDirector · since 24-06-2026
Sophie LE CLERCQ
CurrentDirector · since 24-06-2026
01-07-2026
AG Investment Management: Appointed as Director
24-06-2026
Gael CRUYSMANS: Mandate renewed as Director
24-06-2026
Sophie LE CLERCQ: Mandate renewed as Director
24-06-2026
ADEL YAHIA CONSULT: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2007
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.
Anspachlaan 11000 BrusselGround area
6,482 m²
Building footprint
4,827 m²
Volume, LiDAR
188,668 m³
Parcel 21812N1468/00B000, Brussels · tallest building 74.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
BELLA VITA
since 20072.164.338.333
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N1468/00B000 | Brussels | 6,482 m² | 1 · 4,827 m² | 74.9 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
16 connected companiesLinked via shared directors
viaSophie LE CLERCQ · Director
→
viaGael CRUYSMANS · Director
→
viaSophie LE CLERCQ · Director
former→
viaSophie LE CLERCQ · Director
former→
Show 4 more companies with a shared director
viaGael CRUYSMANS · Director
former→
viaSophie LE CLERCQ · Director
former→
viaSophie LE CLERCQ · Administrateur délégué (liste a)
former→
viaGael CRUYSMANS · Administrateur de la liste a
former→
Network connections
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Show 4 more network connections
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Ownership & control
1 partyControl over this companysits on this company's board1
9 subsidiaries · 1 location
controls
BELLA VITABE 0890.019.738
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,194 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-06-2007
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
68311Real estate activities
70111
70113
70201
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.