Bern Verschraegen
ActiveSummary
Bern Verschraegen has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €34k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 10.79 against 9.86 in 2024; short-term debt: 9% and cash: 55.4% of total assets), and 9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
91%
Return on assets
33.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-01-2026, 114 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
114 d early
2024
70 d early
2023
18 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 19.6%
2024 · €76k
2023: €37k
2024: €76k
2023 → 2025
Total assets
€100k▲ 18.2%
2024 · €84k
2023: €52k
2024: €84k
2023 → 2025
Net result
€34k▼ 15.9%
2024 · €40k
2023: €32k
2024: €40k
2023 → 2025
Working capital
€88k▲ 16.0%
2024 · €76k
2023: €37k
2024: €76k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€37k-€76k▲ 107%€91k▲ 19.6%
Operating result€41k-€50k▲ 23.7%€41k▼ 18.1%
Net result€32k-€40k▲ 26.8%€34k▼ 15.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€3k
Current assets
€97k
Equity and liabilities €100k
Equity
€91k ▲ 19.6%
Debt
€9k ▲ 5.0%
Debt's share of the balance-sheet total falls from 10.1% to 9.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k
Cash flow
€34k
Current ratio
10.79▲
2024 · 9.86
Debt to equity
0.10▼
2024 · 0.11
ROE
37.1%▼
2024 · 52.8%
ROA
33.8%▼
2024 · 47.5%
Interest coverage
9.09
Debt ≤ 1 year
€9k▲
2024 · €9k
Income taxes
€9k▼
2024 · €11k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€84k€100k▲
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Other tangible fixed assets26-€3k
Current assets29/58€84k€97k▲
Amounts receivable after more than one year29€25k€25k=
Trade receivables290€25k-
Other amounts receivable291-€25k
Amounts receivable within one year40/41€12k€14k▲
Trade receivables40€12k€13k▲
Other amounts receivable41€4€1k▲
Cash at bank and in hand54/58€47k€55k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€84k€100k▲
Equity10/15€76k€91k▲
Contributions10/11€5k€5k=
Reserves13€71k€86k▲
Distributable reserves133€71k€86k▲
Amounts payable17/49€9k€9k▲
Amounts payable within one year42/48€9k€9k▲
Trade debts44€429€1k▲
Suppliers440/4€429€1k▲
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k▲
Other amounts payable47/48€508-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€170
Other operating charges640/8€345€357▲
Gross operating margin9900€51k€42k▼
Operating profit (loss)9901€50k€41k▼
Financial income75/76B€945€6k▲
Recurring financial income75€945€6k▲
Financial charges65/66B€520€5k▲
Recurring financial charges65€520€5k▲
Profit (loss) for the period before taxes9903€51k€43k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€40k€34k▼
Profit (loss) for the period to be appropriated9905€40k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€34k▼
Transfer from equity791/2-€19k
Transfer to equity691/2€39k€34k▼
To other reserves6921€39k€34k▼
Profit to be distributed694/7€833€19k▲
Return on contributions (dividend)694€833€19k▲
The notes to these accounts (5 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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2023net €40k ▲26.8%
Operating result €50k, net result €40k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 9.86
Current ratio from 3.29 to 9.86; short-term debt falls from €16k to €9k.
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Landen · 1 establishment unit since 2022
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.
Walhostraat 13401 LandenGround area
2,747 m²
Building footprint
368 m²
Volume, LiDAR
1,729 m³
2 parcels, Flanders, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Landen 132, 4280 Hannut
since 20222.334.180.878
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24118B0928/00S002 | Flanders | 2,016 m² | 1 · 150 m² | 9.7 m · 2 fl. |
| 64009A0544/00B000 | Wallonia | 731 m² | 1 · 218 m² | 4.8 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900CHUYZWTQXE4U33
Similar companies · same sector, comparable size
Maryse ALIÉ, Avocate
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Niels De Waele
BE 0772.564.715
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Advocatenkantoor De Vidts Ewoud
BE 0740.536.107
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MTS
BE 1010.632.904
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,538 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 formPrivate limited company
Founded09-08-2022
Fiscal year end30-09
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.