VEPROM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €96k and a net result of €61k. Equity is shrinking by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 5527 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
43 d early
2024
10 d early
2023
9 d early
2022
20 d early
2021
3 d early
2020
32 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€96k▼ 20.8%
2024 · €121k
2019: €543k
2020: €674k
2021: €743k
2022: €773k
2023: €349k
2024: €121k
2019 → 2025
Net result
€61k▲ 57.7%
2024 · €39k
2019: €424k
2020: €132k
2021: €78k
2022: €68k
2023: €147k
2024: €39k
2019 → 2025
Total assets
€250k▼ 53.4%
2024 · €537k
2019: €846k
2020: €812k
2021: €827k
2022: €847k
2023: €970k
2024: €537k
2019 → 2025
Solvency
38.4%▲ 15.8pp
2024 · 22.6%
2019: 64.1%
2020: 83.0%
2021: 89.8%
2022: 91.3%
2023: 36.0%
2024: 22.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€743k-€773k▲ 4.1%€349k▼ 54.8%€121k▼ 65.3%€96k▼ 20.8%
Operating result€108k-€74k▼ 31.5%€153k▲ 107%€83k▼ 45.6%€83k▼ 0.9%
Net result€78k-€68k▼ 12.8%€147k▲ 116%€39k▼ 73.6%€61k▲ 57.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€11k▲ 29.8%
Current assets
€240k▼ 54.7%
Equity and liabilities €250k
Equity
€96k▼ 20.8%
Debt
€154k▼ 62.9%
The debt ratio falls from 77.4% to 61.6%. Equity and debt are lower.
Key figures and ratios
Solvency
38.4%▲
2024 · 22.6%
ROE
63.9%▲
2024 · 32.1%
ROA
24.5%▲
2024 · 7.2%
Debt
€154k▼
2024 · €416k
Debt ≤ 1 year
€153k▼
2024 · €415k
Income taxes
€18k▲
2024 · €17k
Staff costs
€89k▲
2024 · €81k
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€537k€250k▼
Fixed assets21/28€8k€11k▲
Tangible fixed assets22/27€8k€3k▼
Furniture and vehicles24€8k€3k▼
Financial fixed assets28€100€7k▲
Current assets29/58€529k€240k▼
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€393k€78k▼
Trade receivables40€36k€23k▼
Other amounts receivable41€356k€55k▼
Cash at bank and in hand54/58€107k€133k▲
Deferred charges and accrued income490/1€1k€973▼
Equity and liabilities
Total equity and liabilities10/49€537k€250k▼
Equity10/15€121k€96k▼
Contributions10/11€96k€96k=
Reserves13€25k€0▼
Tax-exempt reserves132€25k€0▼
Profit (loss) carried forward14-€0
Amounts payable17/49€416k€154k▼
Amounts payable within one year42/48€415k€153k▼
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€32k€36k▲
Taxes450/3€18k€21k▲
Remuneration and social security454/9€13k€14k▲
Other amounts payable47/48€377k€114k▼
Accrued charges and deferred income492/3€667€627▼
Income statement
Code20242025
Remuneration, social security and pensions62€81k€89k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€10k€2k▼
Non-recurring operating charges66A-€0
Gross operating margin9900€182k€181k▼
Operating profit (loss)9901€83k€83k▼
Financial income75/76B€6k€1k▼
Recurring financial income75€6k€1k▼
Financial charges65/66B€34k€5k▼
Recurring financial charges65€10k€5k▼
Non-recurring financial charges66B€24k-
Profit (loss) for the period before taxes9903€55k€79k▲
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€39k€61k▲
Transfer from tax-exempt reserves789-€25k
Profit (loss) for the period to be appropriated9905€39k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€87k▲
Transfer from equity791/2€228k€25k▼
Transfer to equity691/2-€25k
To other reserves6921-€25k
Profit to be distributed694/7€267k€87k▼
Return on contributions (dividend)694€257k€76k▼
Employees696€10k€11k▲
Social balance
Average headcount (FTE)9087-1.0
The notes to these accounts (12 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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €39k ▼73.6%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 6.26
Current ratio from 2.98 to 6.26; short-term debt falls from €269k to €126k.
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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 · 2 establishment units since 2016
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.
Spiegelrei 118000 BruggeGround area
4,495 m²
Building footprint
951 m²
Volume, LiDAR
8,458 m³
2 parcels, Flanders · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
VEPROM
since 20162.258.481.781
VEPROM BVBA
since 20172.266.227.826
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31810N0210/00K002 | Flanders | 4,342 m² | 1 · 825 m² | 9.6 m · 3 fl. |
| 31806F0588/00F000 | Flanders | 152 m² | 1 · 126 m² | 17.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Willems Holding
BE 0780.873.655
Vosselaar · Eq €96k
JUMA-CONSULTING
BE 0769.559.297
Lommel · Eq €96k
KBxMC
BE 0543.965.904
Gent · Eq €96k
HAPOC
BE 0672.930.966
Gent · Eq €96k
Zorro
BE 0666.906.375
Brasschaat · Eq €96k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 12,229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2016
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.
Contact details
1 entryE-mail:mail@veprom.eu