VER
ActiveThe computed 12-month bankruptcy probability of VER is 2.3% (moderate). The 2025 annual accounts show equity of €268k and a net result of €-17k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 32% of 7311 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency34▼-20
Growth32=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity short (current ratio 0.69), and 73.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€17k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
29 d late
2022
29 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€268k▼ 6.0%
2024 · €285k
2022: €295k
2023: €292k
2024: €285k
2022 → 2025
Total assets
€1.00M▲ 4.7%
2024 · €956k
2022: €595k
2023: €965k
2024: €956k
2022 → 2025
Net result
€-17k▼ 149%
2024 · €-7k
2022: €-5k
2023: €-3k
2024: €-7k
2022 → 2025
Working capital
€-19k
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€295k-€292k▼ 1.1%€285k▼ 2.4%€268k▼ 6.0%
Operating result€-5k-€-3k▲ 34.4%€-7k▼ 116%€-17k▼ 151%
Net result€-5k-€-3k▲ 33.5%€-7k▼ 114%€-17k▼ 149%
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 €17k in 2025 against €7k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.00M
Fixed assets
€959k▲ 3.5%
Current assets
€41k▲ 44.7%
Equity and liabilities €1.00M
Equity
€268k▼ 6.0%
Debt
€733k▲ 9.2%
The debt ratio rises from 70.2% to 73.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€17k▼
2024 · €28k
Cash flow
€17k▼
2024 · €28k
Solvency
26.8%▼
2024 · 29.8%
Current ratio
0.69
Quick ratio
0.69
Debt / equity
2.73▲
2024 · 2.35
ROE
-6.4%▼
2024 · -2.4%
ROA
-1.7%▼
2024 · -0.7%
Interest coverage
381.80▲
2024 · 340.45
Debt
€733k▲
2024 · €671k
Debt ≤ 1 year
€60k
Debt > 1 year
€671k=
2024 · €671k
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€956k€1.00M▲
Fixed assets21/28€927k€959k▲
Tangible fixed assets22/27€927k€959k▲
Land and buildings22€877k€854k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€48k€103k▲
Current assets29/58€29k€41k▲
Cash at bank and in hand54/58€29k€41k▲
Equity and liabilities
Total equity and liabilities10/49€956k€1.00M▲
Equity10/15€285k€268k▼
Contributions10/11€300k€300k=
Profit (loss) carried forward14€-15k€-32k▼
Amounts payable17/49€671k€733k▲
Amounts payable after more than one year17€671k€671k=
Financial debts170/4€671k€671k=
Amounts payable within one year42/48-€60k
Trade debts44-€40
Suppliers440/4-€40
Other amounts payable47/48-€60k
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€34k▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A-€12k
Gross operating margin9900€30k€32k▲
Operating profit (loss)9901€-7k€-17k▼
Financial charges65/66B€82€45▼
Recurring financial charges65€82€45▼
Profit (loss) for the period before taxes9903€-7k€-17k▼
Profit (loss) for the period9904€-7k€-17k▼
Profit (loss) for the period to be appropriated9905€-7k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-32k▼
Profit (loss) brought forward from the previous period14P€-8k€-15k▼
The notes to these accounts (8 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tremelo · 1 establishment unit since 2022
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.
Vinneweg 63120 TremeloGround area
1,121 m²
Building footprint
457 m²
Volume, LiDAR
263 m³
Parcel 24109C0236/00M002, Flanders · tallest building 3.1 m. Linked by address, not a title deed.
1 establishment unit
Vinneweg 6, 3120 Tremelo
since 20222.341.867.832
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109C0236/00M002 | Flanders | 1,121 m² | 1 · 457 m² | 3.1 m |
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.
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DEGO INVEST
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BE 0837.052.590
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XIRRUS
BE 0473.541.231
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Of 2,429 companies in sector 41003 we hold annual accounts for 1,047. 679 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2022
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.