Superveranda
ActiveSummary
Superveranda has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €-23k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability10▼-32
Solvency66▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.81 in 2024; short-term debt: 58.7% and cash: 4.6% of total assets), but 58.7% of the assets are financed with debt.
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Signals
Three 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
26 d late
2023
16 d early
2022
31 d late
2021
23 d late
2020
16 d late
2019
32 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Hiring this company for building work? Recognition, activities and what to check first.Contractor check Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Financials · fiscal year 2025, micro schema
Equity
€146k▼ 13.9%
2024 · €169k
Total assets
€353k▼ 5.4%
2024 · €373k
Net result
€-23k
2024 · €6k
Working capital
€118k▼ 26.8%
2024 · €161k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€39k▲ 32.7%€48k▲ 22.5%€11k▼ 76.9%€9k▼ 15.2%€-20k
Net result€38k▲ 36.4%€40k▲ 6.1%€7k▼ 82.7%€6k▼ 13.9%€-23k
Equity€116k▲ 49.1%€156k▲ 34.9%€163k▲ 4.5%€169k▲ 3.7%€146k▼ 13.9%
Total assets€220k▲ 20.0%€440k▲ 100%€318k▼ 27.8%€373k▲ 17.4%€353k▼ 5.4%
Debt€104k▼ 1.4%€284k▲ 172%€155k▼ 45.6%€204k▲ 31.9%€207k▲ 1.6%
Working capital€102k▲ 27.3%€143k▲ 39.4%€150k▲ 4.9%€161k▲ 7.2%€118k▼ 26.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €353k
Fixed assets
€28k ▲ 112%
Current assets
€325k ▼ 9.7%
Equity and liabilities €353k
Equity
€146k ▼ 13.9%
Debt
€207k ▲ 1.6%
Debt's share of the balance-sheet total rises from 54.7% to 58.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k
Cash flow
€-22k
Current ratio
1.57▼
2024 · 1.81
Debt to equity
1.42▲
2024 · 1.21
ROE
-16.1%▼
2024 · 3.6%
ROA
-6.6%▼
2024 · 1.6%
Interest coverage
-6.59
Debt ≤ 1 year
€207k▲
2024 · €199k
Income taxes
€386▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €2k | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €3k | - | - | - |
| Other operating charges640/8 | €3k | €5k | €3k | €3k | €1k | ▼ 62.2% |
| Gross operating margin9900 | €42k | €53k | €17k | €12k | €-17k | ▼ 243% |
| Operating profit (loss)9901 | €39k | €48k | €11k | €9k | €-20k | ▼ 315% |
| Financial income75/76B | €298 | - | - | - | - | - |
| Recurring financial income75 | €298 | - | - | - | - | - |
| Financial charges65/66B | €998 | €1k | €1k | €950 | €3k | ▲ 195% |
| Recurring financial charges65 | €998 | €1k | €1k | €950 | €3k | ▲ 195% |
| Profit (loss) for the period before taxes9903 | €38k | €47k | €10k | €8k | €-23k | ▼ 372% |
| Income taxes67/77 | €425 | €6k | €3k | €2k | €386 | ▼ 84.2% |
| Profit (loss) for the period9904 | €38k | €40k | €7k | €6k | €-23k | ▼ 489% |
| Profit (loss) for the period to be appropriated9905 | €38k | €40k | €7k | €6k | €-23k | ▼ 489% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €220k | €440k | €318k | €373k | €353k | ▼ 5.4% |
| Fixed assets21/28 | €13k | €13k | €13k | €13k | €28k | ▲ 112% |
| Tangible fixed assets22/27 | - | - | - | - | €15k | - |
| Furniture and vehicles24 | - | - | - | - | €15k | - |
| Financial fixed assets28 | €13k | €13k | €13k | €13k | €13k | = |
| Current assets29/58 | €207k | €427k | €304k | €360k | €325k | ▼ 9.7% |
| Amounts receivable within one year40/41 | €176k | €359k | €217k | €322k | €308k | ▼ 4.3% |
| Trade receivables40 | €151k | €340k | €200k | €308k | €291k | ▼ 5.4% |
| Other amounts receivable41 | €25k | €19k | €17k | €15k | €17k | ▲ 17.6% |
| Cash at bank and in hand54/58 | €31k | €67k | €88k | €37k | €16k | ▼ 56.1% |
| Deferred charges and accrued income490/1 | €427 | €810 | - | €192 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €220k | €440k | €318k | €373k | €353k | ▼ 5.4% |
| Equity10/15 | €116k | €156k | €163k | €169k | €146k | ▼ 13.9% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Reserves13 | €83k | €83k | €83k | €83k | €83k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €81k | €81k | €81k | €81k | €81k | = |
| Profit (loss) carried forward14 | €14k | €54k | €61k | €67k | €44k | ▼ 34.9% |
| Amounts payable17/49 | €104k | €284k | €155k | €204k | €207k | ▲ 1.6% |
| Amounts payable within one year42/48 | €104k | €284k | €155k | €199k | €207k | ▲ 4.0% |
| Trade debts44 | €99k | €253k | €150k | €195k | €191k | ▼ 2.2% |
| Suppliers440/4 | €99k | €253k | €150k | €195k | €191k | ▼ 2.2% |
| Taxes, remuneration and social security45 | €5k | €31k | €5k | €4k | €16k | ▲ 350% |
| Taxes450/3 | €5k | €31k | €5k | €4k | €16k | ▲ 350% |
| Other amounts payable47/48 | €100 | €100 | €100 | €100 | €100 | = |
| Accrued charges and deferred income492/3 | - | - | - | €5k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38k | €40k | €7k | €6k | €-23k | ▼ 489% |
| + Depreciation and write-downs630 | - | - | - | - | €2k | - |
| Operating cash flow (approximation) | €38k | €40k | €7k | €6k | €-22k | ▼ 459% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-17k | - |
| Change in cash | - | €36k | €21k | €-51k | €-21k | ▲ 59.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €40k ▲6.1%
Operating result €48k, net result €40k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲34.9%
3 profitable years in a row build equity to €156k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Equity above €100kEq €116k ▲49.1%
2 profitable years in a row build equity to €116k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Weakest financial yearnet €-80k
Net result drops to €-80k, the lowest in the series; recovery starts the following year.
Show earlier events
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Heusden-Zolder · 1 establishment unit since 2014
Ground area
4,051 m²
Building footprint
1,438 m²
Volume, LiDAR
7,750 m³
Parcel 71065A0205/00X014, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Superveranda
since 20142.234.430.632
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A0205/00X014 | Flanders | 4,051 m² | 1 · 1,438 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 20,028 companies in sector 43320 we hold annual accounts for 9,135. 7,638 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43343Specialised construction activities
Contact
E-mail
info@superveranda.beHeusden-Zolder
Phone
011/340024Heusden-Zolder
Scores and ratios are computed by Checked and are not a credit decision.