Vaercoop
ActiveVaercoop has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €-3k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 3451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency34▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
balance sheet total too small for a liquidity verdict, and 98.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
1.5%
Return on assets
-0.5%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 3451 sector peers (2025).
NBB · sector comparisonPosition among 3451 sector peers
Solvency
better than 15%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
70 d late
2023
72 d late
2022
52 d late
2021
22 d late
2020
19 d late
2019
45 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 23.6%
2024 · €12k
2018: €26k
2019: €16k
2020: €16k
2021: €15k
2022: €20k
2023: €9k
2024: €12k
2018 → 2025
Total assets
€644k▼ 0.3%
2024 · €646k
2018: €665k
2019: €707k
2020: €790k
2021: €555k
2022: €715k
2023: €655k
2024: €646k
2018 → 2025
Net result
€-3k
2024 · €4k
2018: €4k
2019: €-5k
2020: €787
2021: €-1k
2022: €6k
2023: €-11k
2024: €4k
2018 → 2025
Working capital
€639k▼ 0.5%
2024 · €642k
2018: €270k
2019: €179k
2020: €331k
2021: €422k
2022: €670k
2023: €651k
2024: €642k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€20k▲ 39.6%€9k▼ 56.0%€12k▲ 39.8%€10k▼ 23.6%
Operating result€4k-€12k▲ 226%€-11k€-57k▼ 416%€-3k▲ 94.3%
Net result€-1k-€6k€-11k€4k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €57k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €644k
Equity
€10k▼ 23.6%
Debt
€634k▲ 0.2%
The debt ratio rises from 98.1% to 98.5%: debt grows while equity shrinks.
Key figures and ratios
Solvency
1.5%▼
2024 · 1.9%
Debt / equity
66.55▲
2024 · 50.76
ROE
-30.8%▼
2024 · 28.5%
ROA
-0.5%▼
2024 · 0.5%
Debt
€634k▲
2024 · €633k
Debt ≤ 1 year
€5k▲
2024 · €4k
Debt > 1 year
€629k=
2024 · €629k
Income taxes
€0
A ratio outside any meaningful range has been withheld (balance sheet total €644k, equity €10k).
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€646k€644k▼
Current assets29/58€646k€644k▼
Amounts receivable within one year40/41€185k€183k▼
Trade receivables40€13k€10k▼
Other amounts receivable41€172k€173k▲
Current investments50/53€100k€100k=
Cash at bank and in hand54/58€360k€361k▲
Equity and liabilities
Total equity and liabilities10/49€646k€644k▼
Equity10/15€12k€10k▼
Contributions10/11€20k€20k=
Reserves13€164€164=
Distributable reserves133€164€164=
Profit (loss) carried forward14€-8k€-11k▼
Amounts payable17/49€633k€634k▲
Amounts payable after more than one year17€629k€629k=
Other amounts payable178/9€629k€629k=
Amounts payable within one year42/48€4k€5k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Income statement
Code20242025
Other operating charges640/8€61k€2k▼
Gross operating margin9900€4k€-2k▼
Operating profit (loss)9901€-57k€-3k▲
Financial income75/76B€61k€459▼
Recurring financial income75€61k€459▼
Financial charges65/66B€128€141▲
Recurring financial charges65€128€141▲
Profit (loss) for the period before taxes9903€4k€-3k▼
Income taxes67/77-€0
Profit (loss) for the period9904€4k€-3k▼
Profit (loss) for the period to be appropriated9905€4k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-11k▼
Profit (loss) brought forward from the previous period14P€-12k€-8k▲
The notes to these accounts (1 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 72 days late
2023
31-12
Financial
Weakest financial yearnet €-11k ▼291%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 9current ratio 144.79
Current ratio from 15.87 to 144.79; short-term debt falls from €45k to €5k.
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 15.87
Current ratio from 4.16 to 15.87; short-term debt falls from €133k to €45k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 4.16
Current ratio from 1.72 to 4.16; short-term debt falls from €458k to €133k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €787
Net result €787 after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Evergem · 1 establishment unit since 2012
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.
Callemansputtestraat 699940 EvergemGround area
6,384 m²
Building footprint
162 m²
Volume, LiDAR
990 m³
Parcel 43006A0254/00B002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Callemansputtestraat 69, 9940 Evergem
since 20122.213.118.445
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43006A0254/00B002 | Flanders | 6,384 m² | 1 · 162 m² | 10.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300T7CMMTQOJB9U33
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Of 4,545 companies in sector 74999 we hold annual accounts for 1,931. 972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded18-07-2012
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.