JORBEN VERBEKE
ActiveThe computed 12-month bankruptcy probability of JORBEN VERBEKE is 2.1% (moderate). The 2025 annual accounts show equity of €96k and a net result of €28k. Equity is growing by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 27711 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 10.49 against 36.89 in 2024; short-term debt: 8.4% and cash: 71.8% of total assets), and 10% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
90%
Return on assets
26.2%
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 30-03-2026, 123 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
123 d early
2024
56 d early
2023
125 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 41.1%
2024 · €68k
2023: €39k
2024: €68k
2023 → 2025
Total assets
€107k▲ 52.6%
2024 · €70k
2023: €43k
2024: €70k
2023 → 2025
Net result
€28k▼ 2.3%
2024 · €29k
2023: €34k
2024: €29k
2023 → 2025
Working capital
€85k▲ 25.7%
2024 · €67k
2023: €39k
2024: €67k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€39k-€68k▲ 72.6%€96k▲ 41.1%
Operating result€44k-€37k▼ 16.1%€39k▲ 6.0%
Net result€34k-€29k▼ 16.9%€28k▼ 2.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€13k▲ 2,221%
Current assets
€94k▲ 35.1%
Equity and liabilities €107k
Equity
€96k▲ 41.1%
Debt
€11k▲ 470%
The debt ratio rises from 2.7% to 10.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42k▲
2024 · €37k
Cash flow
€31k▲
2024 · €29k
Solvency
90.0%▼
2024 · 97.3%
Current ratio
10.49▼
2024 · 36.89
Quick ratio
10.49▼
2024 · 36.89
Debt / equity
0.11▲
2024 · 0.03
ROE
29.1%▼
2024 · 42.1%
ROA
26.2%▼
2024 · 40.9%
Interest coverage
66.33▼
2024 · 944.43
Debt
€11k▲
2024 · €2k
Debt ≤ 1 year
€9k▲
2024 · €2k
Debt > 1 year
€2k
Income taxes
€10k▲
2024 · €8k
Staff costs
€317▼
2024 · €565
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€70k€107k▲
Fixed assets21/28€559€13k▲
Tangible fixed assets22/27€559€13k▲
Furniture and vehicles24€559€13k▲
Current assets29/58€69k€94k▲
Amounts receivable within one year40/41€18k€17k▼
Trade receivables40€13k€16k▲
Other amounts receivable41€5k€705▼
Cash at bank and in hand54/58€51k€77k▲
Deferred charges and accrued income490/1€437€555▲
Equity and liabilities
Total equity and liabilities10/49€70k€107k▲
Equity10/15€68k€96k▲
Contributions10/11€5k€5k=
Reserves13€63k€91k▲
Distributable reserves133€63k€91k▲
Amounts payable17/49€2k€11k▲
Amounts payable after more than one year17-€2k
Financial debts170/4-€2k
Amounts payable within one year42/48€2k€9k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€423€1k▲
Suppliers440/4€423€1k▲
Taxes, remuneration and social security45-€254
Taxes450/3-€254
Other amounts payable47/48€1k€226▼
Income statement
Code20242025
Remuneration, social security and pensions62€565€317▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€288€3k▲
Other operating charges640/8€421€813▲
Gross operating margin9900€38k€43k▲
Operating profit (loss)9901€37k€39k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€39€629▲
Recurring financial charges65€39€629▲
Profit (loss) for the period before taxes9903€37k€38k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€29k€28k▼
Profit (loss) for the period to be appropriated9905€29k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€28k▼
Transfer to equity691/2€29k€28k▼
To other reserves6921€29k€28k▼
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €28k ▼2.3%
Net result drops to €28k, the lowest in the series.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 36.89
Current ratio from 12.85 to 36.89; short-term debt falls from €3k to €2k.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zonnebeke · 1 establishment unit 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.
Oude Kortrijkstraat 978980 ZonnebekeGround area
1.1 ha
Building footprint
276 m²
Volume, LiDAR
1,435 m³
Parcel 33008A0002/00Y000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JORBEN VERBEKE
since 20222.338.974.460
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33008A0002/00Y000 | Flanders | 1.1 ha | 1 · 276 m² | 7.8 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.
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BE 0899.892.754
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Depredomme Concept
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Claude CORDY
BE 0453.257.640
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BWR Projects
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,697 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2022
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43211General electrical installation work
43230Insulation installation
43291Specialised construction activities
43422Screed work
46842Wholesale trade
47527Retail trade
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.