Gebr.Vercammen
ActiveSummary
The computed 12-month bankruptcy probability of Gebr.Vercammen is 2.5% (moderate). The 2025 annual accounts show equity of €228k and a net result of €515. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 10359 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-3
Solvency46▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.89 against 0.91 in 2024; short-term debt: 42.4% and cash: 14.4% of total assets), and 79.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
20.6%
Return on assets
0%
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 21-05-2026, 71 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
71 d early
2024
105 d early
2023
14 d early
2022
62 d early
2021
60 d late
2020
1 d early
← 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, abbreviated schema
Equity
€228k▲ 0.2%
2024 · €227k
2020: €32k
2021: €76k
2022: €172k
2023: €194k
2024: €227k
2020 → 2025
Total assets
€1.11M▼ 2.9%
2024 · €1.14M
2020: €482k
2021: €465k
2022: €719k
2023: €1.18M
2024: €1.14M
2020 → 2025
Net result
€515▼ 98.4%
2024 · €33k
2020: €26k
2021: €45k
2022: €96k
2023: €59k
2024: €33k
2020 → 2025
Working capital
€-51k▼ 13.7%
2024 · €-45k
2020: €-62k
2021: €-88k
2022: €35k
2023: €-21k
2024: €-45k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€172k▲ 125%€194k▲ 12.9%€227k▲ 17.0%€228k▲ 0.2%
Operating result€61k-€126k▲ 106%€100k▼ 20.4%€79k▼ 21.1%€38k▼ 51.4%
Net result€45k-€96k▲ 113%€59k▼ 38.0%€33k▼ 44.4%€515▼ 98.4%
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 has fallen three years in a row; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€689k ▲ 1.6%
Current assets
€418k ▼ 9.6%
Equity and liabilities €1.11M
Equity
€228k ▲ 0.2%
Debt
€879k ▼ 3.7%
Debt's share of the balance-sheet total falls from 80.1% to 79.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€216k▲
2024 · €214k
Cash flow
€178k▲
2024 · €168k
Current ratio
0.89▼
2024 · 0.91
Quick ratio
0.72▼
2024 · 0.75
Debt to equity
3.86▼
2024 · 4.02
ROE
0.2%▼
2024 · 14.5%
ROA
0.0%▼
2024 · 2.9%
Interest coverage
5.97▼
2024 · 6.17
Debt ≤ 1 year
€469k▼
2024 · €507k
Debt > 1 year
€404k▼
2024 · €406k
Income taxes
€2k▼
2024 · €11k
Staff costs
€942k▼
2024 · €951k
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€1.14M€1.11M▼
Fixed assets21/28€678k€689k▲
Intangible fixed assets21€165k€140k▼
Tangible fixed assets22/27€503k€539k▲
Plant, machinery and equipment23€151k€127k▼
Furniture and vehicles24€108k€201k▲
Other tangible fixed assets26€244k€211k▼
Financial fixed assets28€10k€10k=
Current assets29/58€462k€418k▼
Stocks and contracts in progress3€81k€82k▲
Stocks30/36€81k€82k▲
Amounts receivable within one year40/41€135k€149k▲
Trade receivables40€103k€116k▲
Other amounts receivable41€33k€33k▲
Cash at bank and in hand54/58€222k€160k▼
Deferred charges and accrued income490/1€24k€27k▲
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.11M▼
Equity10/15€227k€228k▲
Contributions10/11€6k€6k=
Reserves13€221k€222k▲
Distributable reserves133€221k€222k▲
Amounts payable17/49€913k€879k▼
Amounts payable after more than one year17€406k€404k▼
Financial debts170/4€406k€404k▼
Amounts payable within one year42/48€507k€469k▼
Current portion of amounts payable after more than one year42€132k€184k▲
Trade debts44€197k€165k▼
Suppliers440/4€197k€165k▼
Taxes, remuneration and social security45€178k€119k▼
Taxes450/3€19k€9k▼
Remuneration and social security454/9€159k€111k▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€951k€942k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€135k€178k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€7k▲
Other operating charges640/8€8k€6k▼
Non-recurring operating charges66A€6k€17k▲
Gross operating margin9900€1.18M€1.19M▲
Operating profit (loss)9901€79k€38k▼
Financial income75/76B€9€767▲
Recurring financial income75€9€767▲
Financial charges65/66B€35k€36k▲
Recurring financial charges65€35k€36k▲
Profit (loss) for the period before taxes9903€44k€3k▼
Income taxes67/77€11k€2k▼
Profit (loss) for the period9904€33k€515▼
Profit (loss) for the period to be appropriated9905€33k€515▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€515▼
Transfer to equity691/2€33k€515▼
To other reserves6921€33k€515▼
Social balance
Average headcount (FTE)908722.521.8▼
The notes to these accounts (17 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €515 ▼98.4%
Net result drops to €515, the lowest in the series.
17-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €227k ▲17%
5 profitable years in a row build equity to €227k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2020net €96k ▲113%
Operating result €126k, net result €96k, both a record.
31-12
Financial
Equity above €150kEq €172k ▲125%
3 profitable years in a row build equity to €172k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 60 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Lier · 3 establishment units since 2022
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.
Koningsplein 402500 LierGround area
2.1 ha
Building footprint
2,223 m²
Volume, LiDAR
8,381 m³
3 parcels, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
3 establishment units
Koningsplein 40, 2500 Lier
since 20222.330.847.543
Oudstrijdersstraat 70, 2520 Ranst
since 20232.348.504.315
Tallaart 78, 2500 Lier
since 20262.392.265.171
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12019A0078/00C000 | Flanders | 2.1 ha | 1 · 1,888 m² | 9.1 m · 1 fl. |
| 12019B0444/00M000 | Flanders | 574 m² | 1 · 224 m² | 9.6 m · 1 fl. |
| 11031C0545/00F002 | Flanders | 232 m² | 1 · 112 m² | 9.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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 · 4 entries · 21,656 EUR awarded · 20,690 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 8,363 EUR | 7,500 EUR |
| 2024 | 1 | 7,500 EUR | 7,500 EUR |
| 2023 | 1 | 3,060 EUR | 2,957 EUR |
| 2022 | 1 | 2,733 EUR | 2,733 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
3 sitesLier2.392.265.171
Lier2.330.847.543
Ranst2.348.504.315
Similar companies · same sector, comparable size
AYEM
BE 0544.596.107
Genk · Eq €227,971
HOEVEVLEES 'T EENDENHOF
BE 0890.528.690
Veurne · Eq €226,855
GREEN MIX
BE 0797.580.817
Brussel · Eq €226,600
DE RETIESE FEESTHALLEN
BE 0427.581.839
Malle · Eq €228,967
Puur Food
BE 0699.688.813
Lokeren · Eq €225,325
Of 3,827 companies in sector 47210 we hold annual accounts for 966. 689 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
Founded17-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
01130Growing of vegetables, melons, roots and tubers
01199Crop and animal production, hunting and related service activities
01240Growing of pome and stone fruits
46319Wholesale of fruit and vegetables, excluding potatoes
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.