De Verbroedering
ActiveDe Verbroedering has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 95% of 13933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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 · 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 · 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
100%
Return on assets
0.9%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
50 d early
2023
75 d early
2022
1 d late
2021
41 d early
2020
89 d early
2019
2 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€318k▲ 0.9%
2024 · €315k
2018: €296k
2019: €292k
2020: €293k
2021: €303k
2022: €308k
2023: €312k
2024: €315k
2018 → 2025
Total assets
€318k▲ 0.9%
2024 · €315k
2018: €296k
2019: €293k
2020: €293k
2021: €303k
2022: €308k
2023: €312k
2024: €315k
2018 → 2025
Net result
€3k▲ 6.5%
2024 · €3k
2018: €2k
2019: €-3k
2020: €802
2021: €10k
2022: €5k
2023: €4k
2024: €3k
2018 → 2025
Working capital
€63k▲ 44.0%
2021 · €44k
2018: €48k
2019: €39k
2020: €32k
2021: €44k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€308k▲ 1.7%€312k▲ 1.4%€315k▲ 0.8%€318k▲ 0.9%
Operating result€10k-€5k▼ 43.8%€4k▼ 19.1%€3k▼ 42.5%€3k▲ 7.8%
Net result€10k-€5k▼ 44.9%€4k▼ 18.3%€3k▼ 40.8%€3k▲ 6.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318k
Fixed assets
€244k▼ 1.7%
Current assets
€74k▲ 10.2%
Key figures and ratios
EBITDA
€7k▼
2024 · €7k
Cash flow
€7k▼
2024 · €7k
Solvency
100.0%=
2024 · 100.0%
ROE
0.9%▲
2024 · 0.8%
ROA
0.9%▲
2024 · 0.8%
Interest coverage
25.73▼
2024 · 25.79
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€315k€318k▲
Fixed assets21/28€248k€244k▼
Tangible fixed assets22/27€245k€241k▼
Land and buildings22€226k€224k▼
Plant, machinery and equipment23€19k€17k▼
Financial fixed assets28€3k€3k=
Current assets29/58€67k€74k▲
Amounts receivable within one year40/41€13k€13k=
Other amounts receivable41€13k€13k=
Cash at bank and in hand54/58€54k€61k▲
Equity and liabilities
Total equity and liabilities10/49€315k€318k▲
Equity10/15€315k€318k▲
Contributions10/11€20k€20k=
Reserves13€357k€357k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€307k€307k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€-62k€-60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€11k€11k▼
Operating profit (loss)9901€3k€3k▲
Financial income75/76B€304€253▼
Recurring financial income75€304€253▼
Financial charges65/66B€285€267▼
Recurring financial charges65€285€267▼
Profit (loss) for the period before taxes9903€3k€3k▲
Profit (loss) for the period9904€3k€3k▲
Profit (loss) for the period to be appropriated9905€3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-60k▲
Profit (loss) brought forward from the previous period14P€-65k€-62k▲
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €10k ▲1099%
Operating result €10k, net result €10k, both a record.
03-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €802
Net result €802 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-3k ▼248%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Geraardsbergen · 1 establishment unit since 1900
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.
Markt 159500 GeraardsbergenGround area
421 m²
Building footprint
418 m²
Volume, LiDAR
4,015 m³
Parcel 41018B0414/00N000, Flanders · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Markt 15, 9500 Geraardsbergen
since 19002.104.564.359
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018B0414/00N000 | Flanders | 421 m² | 1 · 418 m² | 13.4 m · 4 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
CONSULT ESTATE
BE 0882.536.583
Oudergem · Eq €318k
IMMOPA-BIS
BE 1012.447.594
Bilzen-Hoeselt · Eq €318k
VIRTUALTOUR
BE 0891.392.089
Overijse · Eq €317k
S-TATE
BE 0478.003.231
Elsene · Eq €317k
ImmoVF
BE 0819.517.465
Sint-Gillis-Waas · Eq €317k
Of 11,754 companies in sector 68310 we hold annual accounts for 6,908. 4,928 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
56301Cafés and bars
90312Arts creation and performing arts activities
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.