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Veggie & More

Active
Private limited companyfounded 201214 years activeBoomstraat(BOR) 104, 2880 Bornem, BelgiumKBO/BCE: BE 0846.292.138
Summary

Veggie & More has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,009 and a net result of €4,973. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 22,078 sector peers (NACE 47, fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Activity
Retail sale of fruit and vegetables
NACE 47210
1 site
Size
€79,526total assets 2025
Equity
€6,009
Profit
€4,973
Turnover not published (abridged schema)
Financial health
82 Excellent Checked score 2025
Bankruptcy probability, 12 months
0.6%
Structure
Accounts on time0 of 2 deeds read
Why 82- Sector Retail trade (NACE 47)- Equity €6,009 (7.6% of total assets)+ Founded in 2012+ Size: total assets €79,526Show the evidence

Checked score

Score 2025
82 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 56% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Average
Solvency 33+7
equity 7.6% of total assets
Liquidity 40-1
short-term debt 43.2% · cash 8.5%
Profitability 77-16
return on assets 6.3%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,155 companies)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.7%▲ +0.1 percentage points vs 03-2025 05-2025: 0.6%▼ -0.1 percentage points vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.8%▲ +0.2 percentage points vs 06-2025 08-2025: 1.1%▲ +0.3 percentage points vs 07-2025 09-2025: 1.4%▲ +0.3 percentage points vs 08-2025highest value 10-2025: 0.6%▼ -0.8 percentage points vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 0.6%● unchanged vs 07-2026lowest value 09-2026: 0.6%● unchanged vs 08-2026lowest value 10-2026: 0.6%● unchanged vs 09-2026lowest value
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 25% on solvency, 37% on liquidity, 64% on profitability and 98% on growth.

The bankruptcy probability was computed on 06-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
lowers risk · Founded in 2012
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector Retail trade (NACE 47)
KBO
lowers risk · Size: total assets €79,526
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €6,009 (7.6% of total assets)
NBB · annual accounts
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
29 days late
2023
30 days late
2022
24 days late
2021
9 days late
2020
31 days late
2019
61 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 26 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 24 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2018net €16,993 ▲82.3%

Financials · fiscal year 2025, micro schema

Equity
€6,009▲ 480%
2024 · €1,036
Total assets
€79,526▼ 9.1%
2024 · €87,505
Net result
€4,973▼ 70.7%
2024 · €16,993
Working capital
-€3,923▲ 10.9%
2024 · -€4,401
Trend over the years

2021 to 2025, 5 fiscal years 2018 to 2025, 8 fiscal years

The operating result falls in 2025; 2025 is 58% below 2024.

What the company sold each fiscal year and what was left of it. A loss stands below the zero line.

Operating result€8,754 2025 Net result€4,973 2025

Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result€10,538-€2,761▼ 73.8%€1,668▼ 39.6%€2,827▲ 69.5%€4,573▲ 61.7%€12,535▲ 174%€20,900▲ 66.7%€8,754▼ 58.1%
Net result€3,438--€2,070-€2,689below the sector's middle half▼ 29.9%-€1,038within the sector's middle half▲ 61.4%€748within the sector's middle half€9,321within the sector's middle half▲ 1,147%€16,993within the sector's middle half▲ 82.3%€4,973within the sector's middle half▼ 70.7%
Equity-€20,228--€22,298▼ 10.2%-€24,987below the sector's middle half▼ 12.1%-€26,025below the sector's middle half▼ 4.2%-€25,278below the sector's middle half▲ 2.9%-€15,957below the sector's middle half▲ 36.9%€1,036below the sector's middle half€6,009within the sector's middle half▲ 480%
Total assets€200,362-€179,195▼ 10.6%€152,586within the sector's middle half▼ 14.8%€132,463within the sector's middle half▼ 13.2%€116,012within the sector's middle half▼ 12.4%€103,443within the sector's middle half▼ 10.8%€87,505within the sector's middle half▼ 15.4%€79,526within the sector's middle half▼ 9.1%
Debt€220,590-€201,493▼ 8.7%€177,573▼ 11.9%€158,488▼ 10.7%€141,289▼ 10.9%€119,400▼ 15.5%€86,469▼ 27.6%€73,517▼ 15.0%
Working capital-€37,947--€40,972▼ 8.0%-€29,870below the sector's middle half▲ 27.1%-€25,259below the sector's middle half▲ 15.4%-€23,679below the sector's middle half▲ 6.3%-€17,589below the sector's middle half▲ 25.7%-€4,401within the sector's middle half▲ 75.0%-€3,923within the sector's middle half▲ 10.9%
Solvency-10.1%--12.4%▼ 2.3pp-16.4%below the sector's middle half▼ 3.9pp-19.6%below the sector's middle half▼ 3.3pp-21.8%below the sector's middle half▼ 2.1pp-15.4%below the sector's middle half▲ 6.4pp1.2%below the sector's middle half▲ 16.6pp7.6%within the sector's middle half▲ 6.4pp
Current ratio0.48-0.46▼ 0.020.50below the sector's middle half▲ 0.040.55below the sector's middle half▲ 0.050.56below the sector's middle half▲ 0.010.63below the sector's middle half▲ 0.070.86within the sector's middle half▲ 0.230.89within the sector's middle half▲ 0.03
Return on assets (ROA)1.7%--1.2%▼ 2.9pp-1.8%below the sector's middle half▼ 0.6pp-0.8%within the sector's middle half▲ 1.0pp0.6%within the sector's middle half▲ 1.4pp9.0%within the sector's middle half▲ 8.4pp19.4%above the sector's middle half▲ 10.4pp6.3%within the sector's middle half▼ 13.2pp
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79,526
Fixed assets €49,083 ▼ 19.9%
Current assets €30,443 ▲ 16.1%
Equity and liabilities €79,526
Equity €6,009 ▲ 480%
Debt €73,517 ▼ 15.0%
Debt's share of the balance-sheet total falls from 98.8% to 92.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€20,966▼
2024 · €33,187
Cash flow
€17,185▼
2024 · €29,280
Quick ratio
0.71▲
2024 · 0.66
Debt to equity
12.24▼
2024 · 83.48
ROE
82.8%
Interest coverage
8.80▲
2024 · 7.80
Debt ≤ 1 year
€34,366▲
2024 · €30,611
Debt > 1 year
€39,151▼
2024 · €55,779
Income taxes
€1,450
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,325 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 10 to 20 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
1.4% went bankrupt
3.2% stopped otherwise
95% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,471 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,325 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet Code20242025
Assets
Total assets20/58€87,505€79,526▼
Fixed assets21/28€61,295€49,083▼
Tangible fixed assets22/27€61,295€49,083▼
Land and buildings22€61,295€49,083▼
Furniture and vehicles24€0-
Current assets29/58€26,210€30,443▲
Stocks and contracts in progress3€6,040€6,040=
Stocks30/36€6,040€6,040=
Amounts receivable within one year40/41€14,829€3,707▼
Trade receivables40€10,386€2,714▼
Other amounts receivable41€4,443€993▼
Cash at bank and in hand54/58€4,736€6,739▲
Deferred charges and accrued income490/1€605€13,957▲
Equity and liabilities
Total equity and liabilities10/49€87,505€79,526▼
Equity10/15€1,036€6,009▲
Contributions10/11€6,200€6,200=
Profit (loss) carried forward14-€5,164-€191▲
Amounts payable17/49€86,469€73,517▼
Amounts payable after more than one year17€55,779€39,151▼
Financial debts170/4€55,779€39,151▼
Amounts payable within one year42/48€30,611€34,366▲
Current portion of amounts payable after more than one year42€16,171€16,628▲
Trade debts44€3,577€5,060▲
Suppliers440/4€3,577€5,060▲
Advances received on contracts in progress46-€3,284
Taxes, remuneration and social security45€10,863€3,895▼
Taxes450/3€9,158€3,895▼
Remuneration and social security454/9€1,705€0▼
Other amounts payable47/48-€5,500
Accrued charges and deferred income492/3€79€0▼
Income statement Code20242025
Non-recurring operating income76A-€13,719
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,288€12,212▼
Other operating charges640/8€2,995€3,287▲
Gross operating margin9900€36,182€24,253▼
Operating profit (loss)9901€20,900€8,754▼
Financial income75/76B€347€51▼
Recurring financial income75€347€51▼
Financial charges65/66B€4,254€2,382▼
Recurring financial charges65€4,254€2,382▼
Profit (loss) for the period before taxes9903€16,993€6,423▼
Income taxes67/77-€1,450
Profit (loss) for the period9904€16,993€4,973▼
Profit (loss) for the period to be appropriated9905€16,993€4,973▼
Appropriation of the result
Profit (loss) to be appropriated9906-€5,164-€191▲
Profit (loss) brought forward from the previous period14P-€22,157-€5,164▲

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

Line20182019202020212022202320242025Change
Non-recurring operating income76A-------€13,719-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23,519€21,007€21,007€21,135€16,127€12,495€12,288€12,212▼ 0.6%
Other operating charges640/8---€2,059€2,521€2,482€2,995€3,287▲ 9.7%
Gross operating margin9900€35,905€26,001€24,839€26,021€23,221€27,512€36,182€24,253▼ 33.0%
Operating profit (loss)9901€10,538€2,761€1,668€2,827€4,573€12,535€20,900€8,754▼ 58.1%
Financial income75/76B---€46€72€164€347€51▼ 85.3%
Recurring financial income75€70€12€5€46€72€164€347€51▼ 85.3%
Financial charges65/66B---€3,911€3,897€3,378€4,254€2,382▼ 44.0%
Recurring financial charges65€6,010€4,909€4,362€3,911€3,897€3,378€4,254€2,382▼ 44.0%
Profit (loss) for the period before taxes9903€3,438-€2,136-€2,689-€1,038€748€9,321€16,993€6,423▼ 62.2%
Income taxes67/77--€66-----€1,450-
Profit (loss) for the period9904€3,438-€2,070-€2,689-€1,038€748€9,321€16,993€4,973▼ 70.7%
Profit (loss) for the period to be appropriated9905€3,438-€2,070-€2,689-€1,038€748€9,321€16,993€4,973▼ 70.7%
Line20182019202020212022202320242025Change
Assets
Total assets20/58€200,362€179,195€152,586€132,463€116,012€103,443€87,505€79,526▼ 9.1%
Formation expenses20€1,424€1,007€590€174-----
Fixed assets21/28€163,319€142,729€122,138€102,031€86,078€73,583€61,295€49,083▼ 19.9%
Tangible fixed assets22/27€163,319€142,729€122,138€102,031€86,078€73,583€61,295€49,083▼ 19.9%
Land and buildings22---€97,930€85,719€73,507€61,295€49,083▼ 19.9%
Plant, machinery and equipment23---€3,617€80----
Furniture and vehicles24---€483€280€76€0--
Current assets29/58€35,619€35,460€29,857€30,258€29,934€29,861€26,210€30,443▲ 16.1%
Stocks and contracts in progress3€12,220€13,188€11,092€10,515€8,995€6,040€6,040€6,040=
Stocks30/36---€10,515€8,995€6,040€6,040€6,040=
Amounts receivable within one year40/41€17,890€20,001€10,725€12,582€18,440€17,546€14,829€3,707▼ 75.0%
Trade receivables40---€1,487€6,585€7,955€10,386€2,714▼ 73.9%
Other amounts receivable41---€11,095€11,855€9,591€4,443€993▼ 77.6%
Cash at bank and in hand54/58€4,957€1,478€7,701€6,244€2,464€6,015€4,736€6,739▲ 42.3%
Deferred charges and accrued income490/1---€917€34€259€605€13,957▲ 2,206%
Equity and liabilities
Total equity and liabilities10/49€200,362€179,195€152,586€132,463€116,012€103,443€87,505€79,526▼ 9.1%
Equity10/15-€20,228-€22,298-€24,987-€26,025-€25,278-€15,957€1,036€6,009▲ 480%
Contributions10/11€6,200€6,200-€6,200€6,200€6,200€6,200€6,200=
Profit (loss) carried forward14-€26,428-€28,498-€31,187-€32,225-€31,478-€22,157-€5,164-€191▲ 96.3%
Amounts payable17/49€220,590€201,493€177,573€158,488€141,289€119,400€86,469€73,517▼ 15.0%
Amounts payable after more than one year17€147,024€125,061€117,845€102,971€87,677€71,950€55,779€39,151▼ 29.8%
Financial debts170/4---€102,971€87,677€71,950€55,779€39,151▼ 29.8%
Amounts payable within one year42/48€73,566€76,432€59,727€55,517€53,612€47,450€30,611€34,366▲ 12.3%
Current portion of amounts payable after more than one year42---€14,874€15,294€15,727€16,171€16,628▲ 2.8%
Trade debts44€42,221€50,218€42,913€40,643€37,299€26,614€3,577€5,060▲ 41.5%
Suppliers440/4---€40,643€37,299€26,614€3,577€5,060▲ 41.5%
Advances received on contracts in progress46-------€3,284-
Taxes, remuneration and social security45----€1,019€5,110€10,863€3,895▼ 64.1%
Taxes450/3----€1,019€3,430€9,158€3,895▼ 57.5%
Remuneration and social security454/9-----€1,680€1,705€0▼ 100%
Other amounts payable47/48-------€5,500-
Accrued charges and deferred income492/3------€79€0▼ 100%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904€3,438-€2,070-€2,689-€1,038€748€9,321€16,993€4,973▼ 70.7%
+ Depreciation and write-downs630€23,519€21,007€21,007€21,135€16,127€12,495€12,288€12,212▼ 0.6%
Operating cash flow (approximation)€26,956€18,938€18,318€20,097€16,874€21,816€29,280€17,185▼ 41.3%
Investment in fixed assets (approximation)--€417-€417-€1,028-€174€0€0€0-
Change in cash--€3,479€6,224-€1,457-€3,780€3,550-€1,279€2,003▲ 257%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Similar companies · same sector, comparable size

Of 3,819 companies in this sector we hold annual accounts for 979. 453 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Directors

Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

Veggie & More was incorporated on 1 June 2012.1 Total assets fell from €200,362 in 2018 to €79,526 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial Highest result since 2018net €16,993 ▲82.3%
Operating result €20,900, net result €16,993, both a record.
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
24-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial Back to profitnet €748
Net result €748 after 3 loss-making years.
09-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial Weakest financial yearnet -€2,689
Net result drops to -€2,689, the lowest in the series; recovery starts the following year.
30-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
24-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded01-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43211General electrical installation work
43212Electrical installation work in industrial facilities
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
82100Office administrative and support services
Contact
E-mail info@veggieandmore.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:0846292138
Also 9925:BE0846292138

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 7 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Bornemunit no. 2.210.015.534
1 permission
Toelating · Traiteur · since 01-06-2012

Sites & property

Location & real-estate footprint
Registered office, Bornem · 1 establishment unit since 2012
seat establishment The establishment unit on the map
Ground area
255 m²
Building footprint
226 m²
Volume, LiDAR
1,520 m³
Parcel 12007B0403/00C000, Flanders · tallest building 14.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Veggie & More
Boomstraat(BOR) 104, 2880 BornemGeneral construction of buildings
since 2012unit no. 2.210.015.534
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12007B0403/00C000 Flanders 255 m² 1 · 226 m² 14.2 m · 1 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.