Financials
- Fiscal year
- 2024
- Total assets
- €1.1m
- Profit
- €60,332
- Solvency
- 60.1%
Total assets▲ 0.2%
Net result
20182024
de Verfmarkt
ActiveSummary
de Verfmarkt has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €685,265 and a net result of €60,332. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 73% of 26033 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Retail trade
NACE 47530NACE 52442NACE 52486
2 sites
Size
€1.1mtotal assets 2024
- Staff
- 2.8 FTE
- Equity
- €685,265
- Profit
- €60,332
Turnover not published (abridged schema)
Structure
Accounts 65 d overdue0 of 6 deeds read
Why 91- Figures for FY 2024 (filed 30-07-2025)+ Founded in 1989+ Liquidity: current ratio 2.42, cash €242,755+ Equity €685,265 (60.1% of total assets)Show the evidence
Checked score
Score 2024
91
/ 100
Excellent
Probability in this band: under 0.55%
Better than 68% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Strong
Solvency
85+5
equity 60.1% of total assets
Liquidity
73+10
short-term debt 15.8% · cash 21.3%
Profitability
75+1
return on assets 5.3%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%
12-2024: 0.1%● 0.0% vs 11-2024
01-2025: 0.1%● 0.0% vs 12-2024
02-2025: 0.1%▲ +2.0% vs 01-2025
03-2025: 0.1%▼ -1.9% vs 02-2025
04-2025: 0.1%▼ -2.0% vs 03-2025
05-2025: 0.1%▲ +4.0% vs 04-2025
06-2025: 0.1%▼ -3.8% vs 05-2025
07-2025: 0.1%▲ +56.0% vs 06-2025
08-2025: < 0.1%▼ -51.3% vs 07-2025lowest value
09-2025: < 0.1%● 0.0% vs 08-2025lowest value
10-2025: < 0.1%● 0.0% vs 09-2025lowest value
11-2025: < 0.1%● 0.0% vs 10-2025lowest value
12-2025: < 0.1%● 0.0% vs 11-2025lowest value
01-2026: < 0.1%● 0.0% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%▲ +2.6% vs 02-2026
04-2026: < 0.1%● 0.0% vs 03-2026
05-2026: < 0.1%▲ +2.6% vs 04-2026
06-2026: < 0.1%▼ -2.5% vs 05-2026
07-2026: < 0.1%▲ +10.3% vs 06-2026
08-2026: 0.1%▲ +128% vs 07-2026
09-2026: 0.1%▲ +23.5% vs 08-2026
10-2026: 0.2%▲ +63.6% vs 09-2026highest value
- Figures for FY 2024 (filed 30-07-2025) raises the probability
- Founded in 1989 lowers the probability for this profile
- Liquidity: current ratio 2.42, cash €242,755 lowers the probability
- Equity €685,265 (60.1% of total assets) lowers the probability
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 2.42 against 2.18 in 2023; short-term debt: 15.8% and cash: 21.3% of total assets), and 39.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 73%, liquidity 79%, profitability 62%, growth against the median 60%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
5 d early
2022
3 d early
2021
11 d early
2020
3 d early
2019
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 9 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2018net €60,332 ▲25.2%
- Annual accounts filedfiscal year 2023 · abbreviated…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2016
- 28-07-2025Annual accounts filed
- 31-12-2024Highest result since 2018
- 26-07-2024Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Public limited company
- Activity
- Retail tradeNACE 47530
- Founded
- 09-03-1989
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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