Equity
€391,128 ▲ 4.8%
ROGER VERVAECK has made a profit without a break since 2020.
ROGER VERVAECK
Lifetime
19 annual accounts with figures on one time axis, 33 filings since 1993peak €37,181 (2009)
€13,304▲ 23.3%
lowest -€46,012 (2007)
€17,868▲ 14.7%
peak €391,128 (2025)
€391,128▲ 4.8%
€86,779▼ 4.2%
Board2 names since 2023
2 directorsVERVAECK, Roger Leon and 1 other
Documentsfilings and deeds
10-02-202610 days late
2025micro format
Gross margin from €10,793 to €13,304Cash from €2,587 to €11,513
Key points
from the 2025 annual accountsFilings
33 annual accounts since 1993
Three of the last ten came late. The 2021 accounts came latest: 30 days after the end of the period.
Position in the sector
€391,128
More equity than 90% of companies in wholesale trade. Sector median €56,439 · 13,835 companies.
Checked score
94
Excellent
Financially stronger than 52% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.8%▲ +0.3 percentage points vs 12-2024highest value
02-2025: 0.1%▼ -0.7 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.2%▲ +0.1 percentage points vs 12-2025
02-2026: 0.4%▲ +0.2 percentage points vs 01-2026
03-2026: 0.1%▼ -0.3 percentage points vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026lowest value
05-2026: 0.1%● unchanged vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 7.89, cash €11,513
lowers risk
Founded in 1992
Size: total assets €685,777
Equity €391,128 (57.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 64% of them on solvency, 54% on liquidity, 35% on profitability and 55% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as ROGER VERVAECK has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ROGER VERVAECK itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for ROGER VERVAECK. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.89 (7.4 in 2024), above the usual 1.5. Short-term debt is 12.7% and cash 1.7% of total assets. 43% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 10 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-02-2026, 10 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
10 days late
2024
9 days early
2023
1 day late
2022
6 days early
2021
30 days late
2020
9 days early
2019
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average on the deadline day. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 1 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0448172761
Changes of role: VERVAECK, Roger Leon (director) and VANTHUYNE, Monique Bertha Irma (director)
Gazette deed
First establishment
Olsenestraat 182, Zulte
Incorporation
published on 30-09-1992 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ROGER VERVAECK Zulte | €0.7m | €13,304 | 57.0% | - |
| ETS BEAUJEAN Herstal | €1.1m | €13,880 | 23.4% | - |
| CASSIMAN ZUIVEL Dendermonde | €0.3m | €22,989 | 51.6% | - |
| WORLD LINE Lanaken | €1.4m | €21,982 | 12.4% | - |
| FILIPPUS Maldegem | €0.3m | €15,752 | 9.3% | - |
| AALSTERSE SLAGROOMCENTRALE Aalst | €0.2m | €12,575 | -40.9% | - |
| Transport Lambrechts Koen Wommelgem | €0.5m | €46,274 | -99.8% | - |
These companies have the same main activity as ROGER VERVAECK: wholesale trade (NACE 46331). They are comparable in size and age: total assets between €189,000 and €1.4m, founded between 1987 and 2002.
Official details
Source: KBO- Status
- Active since 02-09-1992Normal situation
- Activity
- Wholesale tradeNACE 46331
- Establishment unit
- 2.250.232.1309870 Zulte, since 30-09-1992
- Financial year end
- 30 June
- Peppol
- Reachable since 18-11-2025
Annual accounts to 30-06-2025
- ≈ €220,000estimated
- €685,777▲ 2.1%
- Filing
- Filed on 10-02-2026
Insights on ROGER VERVAECK
ROGER VERVAECK files the micro format. That format states no turnover. The gross margin rose from -€9,411 in 2007 to €13,304 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ROGER VERVAECK
- What is the company number of ROGER VERVAECK?
- The company number of ROGER VERVAECK is 0448.172.761. The VAT number is the same number with BE in front: BE 0448.172.761.
- Where is ROGER VERVAECK based?
- The registered office is at Olsenestraat 182, 9870 Zulte.Company details
- What does ROGER VERVAECK do?
- According to the KBO register, the main activity is wholesale trade (NACE 46331).
- What is the legal form of ROGER VERVAECK?
- ROGER VERVAECK is a private limited company (BV).
- When was ROGER VERVAECK founded?
- ROGER VERVAECK was founded on 02-09-1992.
- Is ROGER VERVAECK still active?
- Yes, ROGER VERVAECK is an active enterprise in the KBO register.
- What is the turnover of ROGER VERVAECK?
- The turnover in financial year 2025 is ≈ €220,000. This figure is estimated from the gross margin of €13,304 and 48 comparable companies (NACE 463). It probably lies between €100,000 and €360,000. It is a rough estimate.Financials
- Is ROGER VERVAECK profitable?
- In financial year 2025, ROGER VERVAECK made a profit of €17,868.
- Where can I find the annual accounts of ROGER VERVAECK?
- ROGER VERVAECK filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ROGER VERVAECK due?
- ROGER VERVAECK must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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