KOEN VERSCHUEREN
ActiveSummary
KOEN VERSCHUEREN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
56
/ 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
Profitability74▲+20
Solvency46▼-22
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 2.7 in 2024; short-term debt: 57.9% of total assets), but 78.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
57 d late
2023
1 d early
2022
on the day
2021
32 d early
2020
16 d early
2019
5 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 57.2%
2024 · €62k
2019: €-3k
2020: €-978
2021: €94
2022: €19k
2023: €55k
2024: €62k
2019 → 2025
Total assets
€125k▼ 12.8%
2024 · €144k
2019: €46k
2020: €56k
2021: €69k
2022: €97k
2023: €104k
2024: €144k
2019 → 2025
Net result
€19k▲ 161%
2024 · €7k
2019: €13k
2020: €2k
2021: €1k
2022: €19k
2023: €36k
2024: €7k
2019 → 2025
Working capital
€37k▼ 57.3%
2024 · €87k
2019: €-7k
2020: €9k
2021: €10k
2022: €16k
2023: €48k
2024: €87k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94-€19k▲ 20,082%€55k▲ 191%€62k▲ 13.4%€27k▼ 57.2%
Operating result€7k-€33k▲ 375%€60k▲ 79.5%€19k▼ 68.9%€39k▲ 108%
Net result€1k-€19k▲ 1,660%€36k▲ 91.7%€7k▼ 79.6%€19k▲ 161%
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 108% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€15k ▲ 226%
Current assets
€110k ▼ 20.9%
Equity and liabilities €125k
Equity
€27k ▼ 57.2%
Debt
€98k ▲ 21.3%
Debt's share of the balance-sheet total rises from 56.5% to 78.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€42k▲
2024 · €22k
Cash flow
€22k▲
2024 · €10k
Current ratio
1.52▼
2024 · 2.70
Debt to equity
3.69▲
2024 · 1.30
ROE
72.1%▲
2024 · 11.8%
ROA
15.4%▲
2024 · 5.1%
Interest coverage
4.33▲
2024 · 3.52
Debt ≤ 1 year
€73k▲
2024 · €51k
Debt > 1 year
€26k▼
2024 · €30k
Income taxes
€11k▲
2024 · €5k
Staff costs
€90k▲
2024 · €82k
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€144k€125k▼
Fixed assets21/28€5k€15k▲
Tangible fixed assets22/27€4k€14k▲
Plant, machinery and equipment23€1k€7k▲
Furniture and vehicles24€2k€7k▲
Financial fixed assets28€1k€1k=
Current assets29/58€139k€110k▼
Amounts receivable after more than one year29€115k€68k▼
Other amounts receivable291€115k€68k▼
Amounts receivable within one year40/41€21k€39k▲
Trade receivables40€13k€12k▼
Other amounts receivable41€8k€27k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€144k€125k▼
Equity10/15€62k€27k▼
Contributions10/11€6k€6k=
Reserves13€56k€21k▼
Distributable reserves133€56k€21k▼
Amounts payable17/49€81k€98k▲
Amounts payable after more than one year17€30k€26k▼
Financial debts170/4€30k€26k▼
Amounts payable within one year42/48€51k€73k▲
Current portion of amounts payable after more than one year42€9k€11k▲
Financial debts43€12k€5k▼
Credit institutions430/8€12k€5k▼
Trade debts44€18k€37k▲
Suppliers440/4€18k€37k▲
Taxes, remuneration and social security45€12k€19k▲
Taxes450/3€5k€11k▲
Remuneration and social security454/9€7k€9k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€82k€90k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€106k€134k▲
Operating profit (loss)9901€19k€39k▲
Financial income75/76B€182€1k▲
Recurring financial income75€182€1k▲
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€10k▲
Non-recurring financial charges66B-€131
Profit (loss) for the period before taxes9903€13k€30k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€7k€19k▲
Profit (loss) for the period to be appropriated9905€7k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€19k▲
Transfer from equity791/2-€55k
Transfer to equity691/2€7k€19k▲
To other reserves6921€7k€19k▲
Profit to be distributed694/7-€55k
Return on contributions (dividend)694-€55k
The notes to these accounts (10 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
27-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €36k ▲91.7%
Operating result €60k, net result €36k, both a record.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €1k ▼48.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
2020
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2018
19-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2017
16-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2016
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Heist-op-den-Berg · 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.
Broekmansstraat 116B2221 Heist-op-den-BergGround area
7,855 m²
Building footprint
39 m²
Volume, LiDAR
52 m³
Parcel 12006D0022/00C000, Flanders · tallest building 8.3 m. Linked by address, not a title deed.
1 establishment unit
KOEN VERSCHUEREN
since 20152.241.421.956
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12006D0022/00C000 | Flanders | 7,855 m² | 1 · 39 m² | 8.3 m |
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 · 1 entry · 216 EUR awarded · 216 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 216 EUR | 216 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,562 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
Founded24-03-2015
Fiscal year end31-03
Activities, NACEBEL 2025
43120Site preparation
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.