TOP - VERDUYN

Active

Private limited companyfounded 200323 yrs activeSmedenstraat 11, 8000 Brugge, BelgiumKBO/BCE: BE 0479.264.330

TOP - VERDUYN has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €254k and a net result of €84k. Equity is growing by ~53.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 26046 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2024

90 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100=

Growth78=

Track record100

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €22k at 30 days acceptable

Liquidity ample (current ratio 4.7 against 4.16 in 2023; short-term debt: 18.2% and cash: 36.7% of total assets), and 18.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

81.7%

Return on assets

26.9%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-04-2025, 120 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

120 d early

2023

84 d early

2022

122 d early

2021

103 d early

2020

39 d early

2019

28 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€254k▲ 34.9%

2023 · €188k

2018: €31k 2019: €18k 2020: €52k 2021: €68k 2022: €106k 2023: €188k

2018 → 2024

Total assets

€311k▲ 34.7%

2023 · €231k

2018: €55k 2019: €50k 2020: €73k 2021: €108k 2022: €148k 2023: €231k

2018 → 2024

Net result

€84k▼ 8.1%

2023 · €91k

2018: €-10k 2019: €-13k 2020: €34k 2021: €16k 2022: €38k 2023: €91k

2018 → 2024

Working capital

€210k▲ 57.4%

2023 · €134k

2018: €27k 2019: €13k 2020: €48k 2021: €61k 2022: €34k 2023: €134k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€52k-€68k▲ 30.7%€106k▲ 56.5%€188k▲ 78.4%€254k▲ 34.9%

Operating result€36k-€22k▼ 38.9%€52k▲ 135%€135k▲ 157%€123k▼ 8.7%

Net result€34k-€16k▼ 52.9%€38k▲ 141%€91k▲ 139%€84k▼ 8.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 9% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €311k

14.2%

85.8%

Fixed assets €44k▼ 20.0%

Current assets €267k▲ 51.9%

Equity and liabilities €311k

81.7%

18.3%

Equity €254k▲ 34.9%

Debt €57k▲ 33.7%

The debt ratio falls from 18.4% to 18.3%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€140k▼

2023 · €151k

Cash flow

€101k▼

2023 · €107k

Solvency

81.7%▲

2023 · 81.6%

Current ratio

4.70▲

2023 · 4.16

Quick ratio

4.59▲

2023 · 4.01

Debt / equity

0.22▼

2023 · 0.23

ROE

33.0%▼

2023 · 48.4%

ROA

26.9%▼

2023 · 39.4%

Interest coverage

292.48▼

2023 · 650.27

Debt

€57k▲

2023 · €43k

Debt ≤ 1 year

€57k▲

2023 · €42k

Income taxes

€39k▼

2023 · €43k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€231k€311k▲

Fixed assets21/28€55k€44k▼

Tangible fixed assets22/27€55k€44k▼

Plant, machinery and equipment23€2k€1k▼

Furniture and vehicles24€51k€36k▼

Other tangible fixed assets26€1k€6k▲

Financial fixed assets28€247€247=

Current assets29/58€176k€267k▲

Stocks and contracts in progress3€6k€6k=

Stocks30/36€6k€6k=

Amounts receivable within one year40/41€18k€18k▲

Trade receivables40€16k€15k▼

Other amounts receivable41€2k€3k▲

Current investments50/53-€125k

Cash at bank and in hand54/58€151k€114k▼

Deferred charges and accrued income490/1€1k€3k▲

Equity and liabilities

Total equity and liabilities10/49€231k€311k▲

Equity10/15€188k€254k▲

Contributions10/11€19k€600▼

Reserves13€170k€254k▲

Non-distributable reserves130/1€0-

Reserves not available under the articles1311€0-

Distributable reserves133€170k€254k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€43k€57k▲

Amounts payable within one year42/48€42k€57k▲

Trade debts44€11k€25k▲

Suppliers440/4€11k€25k▲

Taxes, remuneration and social security45€16k€16k▲

Taxes450/3€16k€16k▲

Remuneration and social security454/9€0-

Other amounts payable47/48€15k€16k▲

Accrued charges and deferred income492/3€332€126▼

Income statement Code20232024

Non-recurring operating income76A€0-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲

Other operating charges640/8€1k€1k▼

Gross operating margin9900€152k€141k▼

Operating profit (loss)9901€135k€123k▼

Financial income75/76B€24€485▲

Recurring financial income75€24€485▲

Financial charges65/66B€232€478▲

Recurring financial charges65€232€478▲

Profit (loss) for the period before taxes9903€134k€123k▼

Income taxes67/77€43k€39k▼

Profit (loss) for the period9904€91k€84k▼

Profit (loss) for the period to be appropriated9905€91k€84k▼

Appropriation of the result

Profit (loss) to be appropriated9906€98k€84k▼

Profit (loss) brought forward from the previous period14P€6k€0▼

Transfer from equity791/2€2k€0▼

Transfer to equity691/2€91k€84k▼

To other reserves6921€91k€84k▼

Profit to be distributed694/7€8k€0▼

Return on contributions (dividend)694€8k€0▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 18Financial 8Filings 10

2025

02-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Equity above €200kEq €254k ▲34.9%

5 profitable years in a row build equity to €254k.

08-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2018net €91k ▲139%

Operating result €135k, net result €91k, both a record.

31-12

Financial Liquidity doublescurrent ratio 4.16

Current ratio from 1.81 to 4.16; short-term debt falls from €42k to €42k.

31-12

Financial Equity above €150kEq €188k ▲78.4%

4 profitable years in a row build equity to €188k.

31-03

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Equity above €100kEq €106k ▲56.5%

3 profitable years in a row build equity to €106k.

19-04

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

22-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Back to profitnet €34k

Net result €34k after 2 loss-making years.

31-12

Financial Liquidity doublescurrent ratio 3.29

Current ratio from 1.40 to 3.29; short-term debt falls from €32k to €21k.

03-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Weakest financial yearnet €-13k

Net result drops to €-13k, the lowest in the series; recovery starts the following year.

17-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

02-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

20-06

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

08-07

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Brugge · 1 establishment unit since 2003

establishment The establishment unit on the map

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.

Smedenstraat 118000 Brugge

Ground area

94 m²

Building footprint

94 m²

Volume, LiDAR

805 m³

Parcel 31804D1498/00D000, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

DE KAASBOLLE

Smedenstraat 11, 8000 BruggeNACE 5227204

since 20032.123.187.072

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31804D1498/00D000	Flanders	94 m²	1 · 94 m²	13.1 m · 3 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.

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2024	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Brugge2.123.187.072

1 permission

Toelating · Detailhandel · since 30-09-2009

Similar companies · same sector, comparable size

CANDY & SNACK SERVICE

Sint-Jans-Molenbeek · Eq €254k

Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 3,974 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-01-2003

Fiscal year end31-12

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47111Retail trade

52111

Sources

Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.