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Generated 14-08-2026
Active BE 0428.397.728Public limited company

IMMO VERGO

Vaartdijk 15/4 ·2960 Brecht, Belgium· 40 yrs active
Sector: Overige niet-gespecialiseerde detailhandel (47120)
Conclusion Checked

The computed 12-month bankruptcy probability of IMMO VERGO is 0.4% (very low). The 2024 annual accounts show equity of €983k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 92% of 1225 sector peers (fiscal year 2024). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €983k
Net result €24k
Better than sector 92%
Active 40 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health56Profitability12Solvency67Growth78Stability100
63 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 56
Profitability 12
Solvency 67
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1986, 40 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
56 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 20-10-2025 with the NBB · fiscal year 2024 · verkort
€-600k€-400k€-200k€0Operating result 2019: €17k€17kNet result 2019: €-412k€-412kOperating result 2020: €27k€27kNet result 2020: €-396k€-396kOperating result 2021: €33k€33kNet result 2021: €25k€25kOperating result 2023: €63k€63kNet result 2023: €49k€49kOperating result 2024: €31k€31kNet result 2024: €24k€24k20192020202120232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~59% of the level (threshold 35%). We therefore deliberately show no projection line.
€-500k€0€500k€1.00M2018: €-354k2019: €-350k2020: €-333k2021: €-308k2023: €959k2024: €983k201820192020202120232024
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 77.8% 20.4%
better than 92% of 1225 sector peers
Net result €24k €26k
better than 49% of 1224 sector peers
Equity €983k €142k
better than 91% of 1225 sector peers
Gross operating margin €34k €217k
better than 18% of 1223 sector peers
Employees (FTE) 0.0 3.6
better than 5% of 886 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€33k
-50.6% 18-24
Net profit
€24k
-50.4% 18-24
Cash flow
€26k
-50.0% 18-24
Total assets
€1.26M
+0.9% 18-24
Equity
€983k
+2.5% 18-24
Working capital
€-241k
+9.9% 18-24
Employees (FTE)
0
- 18-24
Income taxes
€0
-100.0% 18-24
Debt
€280k
-4.6% 18-24
Debt ≤ 1y
€273k
-4.8% 18-24
Current ratio
0.12
+74.4% 18-24
Quick ratio
0.12
+74.4% 18-24
Solvency
77.8%
+1.7% 18-24
Debt / equity
0.29
-6.9% 18-24
ROE
2.5%
-51.7% 18-24
ROA
1.9%
-50.9% 18-24
Interest coverage
5.05
-51.8% 18-24
Figures by fiscal year
Fiscal year2024
Depositverkort
Revenue-
EBITDA€33k
Net profit€24k
Cash flow€26k
Staff costs-
Income taxes€0
Dividends-
Total assets€1.26M
Equity€983k
Debt€280k
of which ≤ 1y€273k
of which > 1y-
Working capital€-241k
Employees (FTE)0.0
Ratios (computed)
2024
Current ratio0.12
Quick ratio0.12
Working capital ratio-19.0%
Solvency77.8%
Debt / equity0.29
Long-term debt ratio-
Interest coverage5.05
Gross margin-
Net margin-
ROA1.9%
ROE2.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.26M
Fixed assets 21/28€1.23M
Tangible fixed assets 22/27€1.23M
Current assets 29/58€32k
Amounts receivable within one year 40/41€32k
Cash & bank 54/58€679
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.26M
Equity 10/15€983k
Contributions / capital 10/11€63k
Accumulated profits (losses) 14€-268k
Amounts payable 17/49€280k
Amounts payable within one year 42/48€273k
Trade debts payable within one year 44€71k
Income statement
Gross operating margin 9900€34k
Operating result 9901€31k
Financial income 75€9
Financial charges 65€6k
Result before taxes 9903€24k
Income taxes 67/77€0
Net result for the period 9904€24k
Result to be appropriated 9905€24k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • GROEP BOLCKMANS INVESTLegal entity
    Managing director· perm. rep.: Ronny BOLCKMANS
    State Gazette act 25011305 (23-01-2025)
    Current
    07-01-2025 → present
  • Ronny BOLCKMANS
    Director
    State Gazette act 25011305 (23-01-2025)
    Current
    07-01-2025 → present
    2 events
    • 07-01-2025 Resigned· Director
    • 07-01-2025 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Overige niet-gespecialiseerde detailhandel(47120)
Legal form Public limited company(014)
Incorporation13-01-1986
StatusActive
Postal code2960
Establishment units 1 location
Vaartdijk 15/4, 2960 Brecht
Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.
since 19862.028.777.368
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11332K0057/00W004 Flanders 7,389 m² 1 · 3,024 m² 18.1 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
20-10-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
23-01-2025
State Gazette act Director changes
2024
16-10-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
03-11-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
25-10-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
28-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
06-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
23-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
24-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
28-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
22-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
23-01-2025 8 directors appointed, 1 resigning Director changes
  • Ronny BOLCKMANS, Bestuurder
  • Ronny BOLCKMANS, Gedelegeerd bestuurder
  • Ronny BOLCKMANS, Gedelegeerd bestuurder
  • Charlotte DEBAETS, Vaste vertegenwoordiger
  • Neelke DE VRIENDT, Vaste vertegenwoordiger
  • Inge MARQUENIE, Vaste vertegenwoordiger
  • Thibaut BERCKX, Vaste vertegenwoordiger
  • Ronny BOLCKMANS, Vaste vertegenwoordiger
Technical details 
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      "evidence_quote": "De raad van bestuur beslist om een volmacht te verlenen aan de besloten vennootschap \u0022VGD Accountants en Belastingconsulenten\u0022, met zetel te 1780 Wemmel, Neerhoflaan 2, ingeschreven in het rechtspersonenregister te Brussel, Nederlandstalige afdeling onder het nummer 0875.430.542 en met btw-nummer BE",
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        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": {
        "kbo": "0836.191.765",
        "name": "GROEP BOLCKMANS INVEST",
        "address": "2960 Brecht, Vaartdijk 15/4",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": false,
      "effective_date": "2025-01-07",
      "evidence_quote": "De \u0022GROEP BOLCKMANS INVEST\u0022, vertegenwoordigd zoals voormeld, verklaart uitdrukkelijk haar mandaat te aanvaarden.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2025-01-07",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-12-18",
      "unanimous": null
    },
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2024-12-18",
      "unanimous": null
    },
    {
      "body": "raad_van_bestuur",
      "date": "2024-12-18",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0428.397.728",
    "name_full": "IMMO VERGO",
    "legal_form": "NV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0875.430.542",
    "org_name": "VGD Accountants \u0026 Belastingconsulenten BV",
    "person_name": null,
    "org_rep_person_name": "Thibaut Berckx",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Overige niet-gespecialiseerde detailhandel47120Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen niet overheersen (verkoopoppervlakte < 2500 m²)47191Overige niet-gespecialiseerde detailhandel in winkels (verkoop van overwegend niet-voedingsmiddelen met verkoopsoppervlakte van mind er dan 2.500 m2)52122
Primary activity highlighted.
Names & trade names
Legal nameNL IMMO VERGO
Registered office
Vaartdijk 15/4
2960 Brecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 705 of 13,150 companies in this sector with filed accounts
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BRICO RULOT BE 0438.420.501 · Tinlot
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative