Acta Verba
ActiveActa Verba has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €23k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency54▼-44
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 3.27 in 2024; short-term debt: 71.4% and cash: 71.8% of total assets), and 71.4% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.6%
Return on assets
35.6%
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 18-07-2026, 13 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
13 d early
2024
20 d late
2023
29 d late
2022
30 d late
2021
26 d early
2020
19 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 38.5%
2024 · €29k
2020: €13k
2021: €32k
2022: €31k
2023: €18k
2024: €29k
2020 → 2025
Total assets
€63k▲ 56.9%
2024 · €40k
2020: €24k
2021: €45k
2022: €50k
2023: €41k
2024: €40k
2020 → 2025
Net result
€23k▲ 85.0%
2024 · €12k
2020: €9k
2021: €20k
2022: €-1k
2023: €-8k
2024: €12k
2020 → 2025
Working capital
€15k▼ 37.6%
2024 · €25k
2020: €13k
2021: €31k
2022: €24k
2023: €13k
2024: €25k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€31k▼ 4.3%€18k▼ 41.8%€29k▲ 62.6%€18k▼ 38.5%
Operating result€30k-€2k▼ 94.0%€-5k€21k€34k▲ 60.4%
Net result€20k-€-1k€-8k▼ 505%€12k€23k▲ 85.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 60% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€3k▼ 43.4%
Current assets
€61k▲ 70.1%
Equity and liabilities €63k
Equity
€18k▼ 38.5%
Debt
€45k▲ 314%
The debt ratio rises from 27.1% to 71.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €23k
Cash flow
€25k▲
2024 · €15k
Solvency
28.6%▼
2024 · 72.9%
Current ratio
1.34▼
2024 · 3.27
Quick ratio
1.34▼
2024 · 3.27
Debt / equity
2.50▲
2024 · 0.37
ROE
124.7%▲
2024 · 41.4%
ROA
35.6%▲
2024 · 30.2%
Interest coverage
9.05▲
2024 · 5.10
Debt
€45k▲
2024 · €11k
Debt ≤ 1 year
€45k▲
2024 · €11k
Income taxes
€7k▲
2024 · €4k
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€40k€63k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€36k€61k▲
Amounts receivable within one year40/41€2k€14k▲
Trade receivables40€714€13k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€33k€45k▲
Deferred charges and accrued income490/1€627€1k▲
Equity and liabilities
Total equity and liabilities10/49€40k€63k▲
Equity10/15€29k€18k▼
Contributions10/11€5k€5k=
Reserves13€24k€13k▼
Distributable reserves133€24k€13k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€11k€45k▲
Amounts payable within one year42/48€11k€45k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€3k€35k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€785€716▼
Gross operating margin9900€24k€36k▲
Operating profit (loss)9901€21k€34k▲
Financial income75/76B€133€0▼
Recurring financial income75€133€0▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€17k€30k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€12k€23k▲
Profit (loss) for the period to be appropriated9905€12k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€23k▲
Transfer from equity791/2€0€11k▲
Transfer to equity691/2€11k€0▼
To other reserves6921€11k€0▼
Profit to be distributed694/7€859€34k▲
Return on contributions (dividend)694€859€34k▲
The notes to these accounts (4 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €23k ▲85%
Operating result €34k, net result €23k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.27
Current ratio from 1.58 to 3.27; short-term debt falls from €23k to €11k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lede · 1 establishment unit since 2020
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.
Heiplasweg 319340 LedeGround area
2,449 m²
Building footprint
279 m²
Volume, LiDAR
1,479 m³
Parcel 41034F0199/00E000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Acta Verba
since 20202.300.267.007
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034F0199/00E000 | Flanders | 2,449 m² | 1 · 278 m² | 9.2 m · 2 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.
Similar companies · same sector, comparable size
SLVG
BE 0649.582.769
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Invenova
BE 1012.649.811
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WEPAVEN
BE 0828.052.277
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NEKTA CONSULTING
BE 0541.607.715
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VINCENT REIJNS
BE 0662.810.403
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Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 763 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2020
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.