C. Verbist
ActiveC. Verbist has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €493k and a net result of €9k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 4554 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-32
Solvency97=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 2.88 in 2024), and 43.8% 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 · 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 · 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
56.2%
Return on assets
1%
Age of the figures
8 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
60 d late
2023
29 d late
2022
21 d late
2021
61 d late
2020
31 d late
2019
24 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€493k▲ 1.8%
2024 · €484k
2018: €255k
2019: €289k
2020: €330k
2021: €363k
2022: €450k
2023: €444k
2024: €484k
2018 → 2025
Total assets
€878k▲ 0.1%
2024 · €877k
2018: €781k
2019: €719k
2020: €654k
2021: €951k
2022: €1.03M
2023: €934k
2024: €877k
2018 → 2025
Net result
€9k▼ 78.6%
2024 · €40k
2018: €26k
2019: €33k
2020: €41k
2021: €36k
2022: €87k
2023: €-6k
2024: €40k
2018 → 2025
Working capital
€176k▲ 29.5%
2024 · €136k
2018: €455
2019: €32k
2020: €61k
2021: €27k
2022: €89k
2023: €77k
2024: €136k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€363k-€450k▲ 23.9%€444k▼ 1.4%€484k▲ 9.0%€493k▲ 1.8%
Operating result€57k-€126k▲ 119%€-3k€58k€25k▼ 57.8%
Net result€36k-€87k▲ 144%€-6k€40k€9k▼ 78.6%
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 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €878k
Fixed assets
€614k▼ 8.4%
Current assets
€264k▲ 27.3%
Equity and liabilities €878k
Equity
€493k▲ 1.8%
Debt
€385k▼ 2.0%
The debt ratio falls from 44.8% to 43.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€81k▼
2024 · €117k
Cash flow
€65k▼
2024 · €99k
Solvency
56.2%▲
2024 · 55.2%
Current ratio
2.98▲
2024 · 2.88
Quick ratio
2.98▲
2024 · 2.88
Debt / equity
0.78▼
2024 · 0.81
ROE
1.7%▼
2024 · 8.3%
ROA
1.0%▼
2024 · 4.6%
Interest coverage
6.81▼
2024 · 12.54
Debt
€385k▼
2024 · €393k
Debt ≤ 1 year
€89k▲
2024 · €72k
Debt > 1 year
€293k▼
2024 · €318k
Income taxes
€6k▼
2024 · €10k
Staff costs
€166k▲
2024 · €146k
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€877k€878k▲
Fixed assets21/28€669k€614k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€669k€614k▼
Land and buildings22€626k€589k▼
Plant, machinery and equipment23€30k€17k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€10k€5k▼
Current assets29/58€208k€264k▲
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Amounts receivable within one year40/41€137k€117k▼
Trade receivables40€88k€53k▼
Other amounts receivable41€49k€63k▲
Cash at bank and in hand54/58€36k€76k▲
Deferred charges and accrued income490/1€9k€46k▲
Equity and liabilities
Total equity and liabilities10/49€877k€878k▲
Equity10/15€484k€493k▲
Contributions10/11€19k€19k=
Reserves13€463k€472k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€461k€470k▲
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€393k€385k▼
Amounts payable after more than one year17€318k€293k▼
Financial debts170/4€283k€257k▼
Other amounts payable178/9€35k€36k▲
Amounts payable within one year42/48€72k€89k▲
Current portion of amounts payable after more than one year42€26k€26k▲
Trade debts44€24k€33k▲
Suppliers440/4€24k€33k▲
Taxes, remuneration and social security45€15k€21k▲
Taxes450/3€3k€3k▲
Remuneration and social security454/9€12k€17k▲
Other amounts payable47/48€6k€9k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€146k€166k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€57k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€11k
Other operating charges640/8€10k€9k▼
Gross operating margin9900€273k€268k▼
Operating profit (loss)9901€58k€25k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€50k€15k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€40k€9k▼
Profit (loss) for the period to be appropriated9905€40k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€11k▼
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer to equity691/2€40k€9k▼
To other reserves6921€40k€9k▼
The notes to these accounts (14 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-6k ▼107%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Highest result since 2018net €87k ▲144%
Operating result €126k, net result €87k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hemiksem · 4 establishment units since 1982
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.
Provinciale steenweg 202620 HemiksemGround area
2,445 m²
Building footprint
1,158 m²
Volume, LiDAR
7,648 m³
4 parcels, Flanders · tallest building 16.6 m, ±5 floors. Linked by address, not a title deed.
4 establishment units
C. VERBIST
since 19822.020.675.690
C. VERBIST
since 19822.020.675.789
C. VERBIST
since 20192.313.510.475
C. Verbist
since 20232.344.496.334
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0545/00A000 | Flanders | 1,161 m² | 1 · 202 m² | 10.6 m · 3 fl. |
| 11018C0220/00H003 | Flanders | 817 m² | 1 · 510 m² | 14.3 m · 1 fl. |
| 11462A0204/00E005 | Flanders | 332 m² | 1 · 332 m² | 10.9 m · 3 fl. |
| 11312A0897/00F000 | Flanders | 135 m² | 1 · 114 m² | 16.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 898 companies in sector 96301 we hold annual accounts for 610. 515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-1982
Fiscal year end31-12
Activities, NACEBEL
93031
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.