FLORENCE VERCHEVAL
ActiveFLORENCE VERCHEVAL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 58% of 3450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+16
Solvency84▲+34
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 1.13 in 2024; short-term debt: 41.3% and cash: 57.3% of total assets), and 41.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
58.7%
Return on assets
50%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €31k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
7 d late
2023
43 d early
2022
32 d early
2021
51 d early
2020
24 d late
2019
43 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 575%
2024 · €5k
2018: €21k
2019: €34k
2020: €16k
2021: €28k
2022: €17k
2023: €1k
2024: €5k
2018 → 2025
Total assets
€53k▲ 189%
2024 · €18k
2018: €40k
2019: €48k
2020: €22k
2021: €38k
2022: €26k
2023: €10k
2024: €18k
2018 → 2025
Net result
€27k▲ 720%
2024 · €3k
2018: €13k
2019: €14k
2020: €-18k
2021: €12k
2022: €-11k
2023: €-16k
2024: €3k
2018 → 2025
Working capital
€29k▲ 1,536%
2024 · €2k
2018: €19k
2019: €33k
2020: €13k
2021: €24k
2022: €15k
2023: €-4k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€17k▼ 39.6%€1k▼ 91.8%€5k▲ 234%€31k▲ 575%
Operating result€16k-€-11k€-15k▼ 41.6%€-518▲ 96.6%€31k
Net result€12k-€-11k€-16k▼ 40.3%€3k€27k▲ 720%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €31k after a loss of €518 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€2k▼ 32.7%
Current assets
€51k▲ 229%
Equity and liabilities €53k
Equity
€31k▲ 575%
Debt
€22k▲ 59.4%
The debt ratio falls from 74.8% to 41.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €2k
Cash flow
€29k▲
2024 · €5k
Solvency
58.7%▲
2024 · 25.2%
Current ratio
2.34▲
2024 · 1.13
Quick ratio
2.31▲
2024 · 1.08
Debt / equity
0.70▼
2024 · 2.97
ROE
85.2%▲
2024 · 70.0%
ROA
50.0%▲
2024 · 17.6%
Interest coverage
70.40▲
2024 · 5.15
Debt
€22k▲
2024 · €14k
Debt ≤ 1 year
€22k▲
2024 · €14k
Income taxes
€4k▲
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€18k€53k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€16k€51k▲
Stocks and contracts in progress3€655€655=
Stocks30/36€655€655=
Amounts receivable within one year40/41€5k€20k▲
Trade receivables40€166€12k▲
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€10k€31k▲
Deferred charges and accrued income490/1€196€288▲
Equity and liabilities
Total equity and liabilities10/49€18k€53k▲
Equity10/15€5k€31k▲
Contributions10/11€12k€12k=
Reserves13€2k€19k▲
Distributable reserves133€2k€19k▲
Profit (loss) carried forward14€-10k€0▲
Amounts payable17/49€14k€22k▲
Amounts payable within one year42/48€14k€22k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€2k€12k▲
Taxes450/3-€12k
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€9k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€487€400▼
Gross operating margin9900€2k€33k▲
Operating profit (loss)9901€-518€31k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€335€466▲
Recurring financial charges65€335€466▲
Profit (loss) for the period before taxes9903€-853€30k▲
Income taxes67/77€-4k€4k▲
Profit (loss) for the period9904€3k€27k▲
Profit (loss) for the period to be appropriated9905€3k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€17k▲
Profit (loss) brought forward from the previous period14P€-13k€-10k▲
Transfer to equity691/2-€17k
To other reserves6921-€17k
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €27k ▲720%
Operating result €31k, net result €27k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.34
Current ratio from 1.13 to 2.34.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.13
Current ratio from 0.56 to 1.13.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-18k ▼232%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 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, Elsene · 1 establishment unit since 2009
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.
Florencestraat 531050 ElseneGround area
272 m²
Building footprint
140 m²
Volume, LiDAR
1,944 m³
2 parcels, Brussels · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Philippe Baucqstraat 155, 1040 Etterbeek
since 20092.175.926.863
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447A0334/00H025 | Brussels | 184 m² | 1 · 140 m² | 19.9 m · 5 fl. |
| 21363B0479/00Z005 | Brussels | 88 m² | - | - |
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.
Similar companies · same sector, comparable size
PHINAGRI
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HosteVanhee
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BEATIVO
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STUDIO BUSS
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STUDIO SONJA
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Of 1,236 companies in sector 74140 we hold annual accounts for 352. 266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2009
Fiscal year end31-12
Activities, NACEBEL
74105Other professional, scientific and technical activities
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.