G & M Versmarkt
ActiveSummary
G & M Versmarkt has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €947k and a net result of €172k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 4.28 against 4.81 in 2024; short-term debt: 21.8% and cash: 11.4% of total assets), and 21.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
78.1%
Return on assets
14.2%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
9 d early
2023
13 d early
2022
30 d late
2021
29 d late
2020
8 d early
2019
119 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€947k▲ 3.5%
2024 · €915k
2018: €130k
2019: €228k
2020: €386k
2021: €519k
2022: €537k
2023: €752k
2024: €915k
2018 → 2025
Total assets
€1.21M▲ 7.1%
2024 · €1.13M
2018: €245k
2019: €542k
2020: €520k
2021: €640k
2022: €670k
2023: €885k
2024: €1.13M
2018 → 2025
Net result
€172k▼ 32.9%
2024 · €257k
2018: €18k
2019: €98k
2020: €158k
2021: €132k
2022: €18k
2023: €236k
2024: €257k
2018 → 2025
Working capital
€867k▲ 5.3%
2024 · €824k
2018: €71k
2019: €349k
2020: €304k
2021: €447k
2022: €486k
2023: €642k
2024: €824k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€519k-€537k▲ 3.5%€752k▲ 40.2%€915k▲ 21.5%€947k▲ 3.5%
Operating result€159k-€105k▼ 34.0%€294k▲ 181%€260k▼ 11.4%€233k▼ 10.6%
Net result€132k-€18k▼ 86.4%€236k▲ 1,210%€257k▲ 9.0%€172k▼ 32.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€80k ▼ 11.8%
Current assets
€1.13M ▲ 8.8%
Equity and liabilities €1.21M
Equity
€947k ▲ 3.5%
Debt
€265k ▲ 22.3%
Debt's share of the balance-sheet total rises from 19.1% to 21.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€268k▼
2024 · €297k
Cash flow
€208k▼
2024 · €294k
Current ratio
4.28▼
2024 · 4.81
Quick ratio
4.23▼
2024 · 4.74
Debt to equity
0.28▲
2024 · 0.24
ROE
18.2%▼
2024 · 28.1%
ROA
14.2%▼
2024 · 22.7%
Interest coverage
25.86▼
2024 · 58.60
Debt ≤ 1 year
€264k▲
2024 · €216k
Income taxes
€53k▲
2024 · €5k
Staff costs
€124k▲
2024 · €123k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.13M€1.21M▲
Fixed assets21/28€91k€80k▼
Tangible fixed assets22/27€91k€80k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€26k€27k▲
Furniture and vehicles24€50k€42k▼
Other tangible fixed assets26€12k€8k▼
Current assets29/58€1.04M€1.13M▲
Stocks and contracts in progress3€15k€13k▼
Stocks30/36€15k€13k▼
Amounts receivable within one year40/41€3k€143k▲
Trade receivables40€2k€141k▲
Other amounts receivable41€1k€2k▲
Current investments50/53€738k€837k▲
Cash at bank and in hand54/58€274k€138k▼
Deferred charges and accrued income490/1€10k-
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.21M▲
Equity10/15€915k€947k▲
Contributions10/11€6k€6k=
Reserves13€908k€940k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€906k€938k▲
Profit (loss) carried forward14-€460
Amounts payable17/49€216k€265k▲
Amounts payable within one year42/48€216k€264k▲
Current portion of amounts payable after more than one year42€4k€17k▲
Trade debts44€27k€50k▲
Suppliers440/4€27k€50k▲
Taxes, remuneration and social security45€23k€43k▲
Taxes450/3€3k€24k▲
Remuneration and social security454/9€20k€18k▼
Other amounts payable47/48€162k€155k▼
Accrued charges and deferred income492/3€208€416▲
Income statement
Code20242025
Remuneration, social security and pensions62€123k€124k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€35k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€422k€396k▼
Operating profit (loss)9901€260k€233k▼
Financial income75/76B€7k€3k▼
Recurring financial income75€7k€3k▼
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€10k▲
Non-recurring financial charges66B€1-
Profit (loss) for the period before taxes9903€262k€225k▼
Income taxes67/77€5k€53k▲
Profit (loss) for the period9904€257k€172k▼
Profit (loss) for the period to be appropriated9905€257k€172k▼
Appropriation of the result
Profit (loss) to be appropriated9906€257k€172k▼
Transfer to equity691/2€257k€172k▼
To other reserves6921€257k€172k▼
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €257k ▲9%
Net result €257k, the highest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €500kEq €519k ▲34.2%
4 profitable years in a row build equity to €519k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 6.08
Current ratio from 2.15 to 6.08.
31-12
Financial
Equity above €200kEq €228k ▲74.8%
2 profitable years in a row build equity to €228k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 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, Zonhoven · 1 establishment unit since 2015
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.
Ramaekersveldweg 33520 ZonhovenGround area
706 m²
Building footprint
280 m²
Volume, LiDAR
1,778 m³
Parcel 71443E0213/00T000, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ramaekersveldweg 3, 3520 Zonhoven
since 20152.248.028.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0213/00T000 | Flanders | 706 m² | 1 · 280 m² | 10.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 39,669 EUR awarded · 39,728 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 10,982 EUR | 10,982 EUR |
| 2024 | 2 | 9,834 EUR | 9,834 EUR |
| 2023 | 2 | 9,782 EUR | 9,841 EUR |
| 2022 | 2 | 9,071 EUR | 9,071 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteZonhoven2.248.028.448
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Sint-Truiden · Eq €948,620
WILKRING
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TIGIDI
BE 0460.258.367
Liège · Eq €943,870
BRUMAR
BE 0421.598.028
Oud-Heverlee · Eq €950,831
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 2,326 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
Founded07-12-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47221Retail sale of meat and meat products, excluding game and poultry
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.