VER-Bouwt
ActiveThe computed 12-month bankruptcy probability of VER-Bouwt is 1.9% (moderate). The 2025 annual accounts show equity of €204k and a net result of €89k. Equity is growing by ~79.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 7318 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
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 2.6 in 2024), and 30.2% 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.
−lowers risk+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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.8%
Return on assets
30.3%
Age of the figures
8 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
28 d early
2024
2 d early
2023
15 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€204k▲ 76.5%
2024 · €116k
2023: €19k
2024: €116k
2023 → 2025
Total assets
€293k▲ 68.7%
2024 · €173k
2023: €32k
2024: €173k
2023 → 2025
Net result
€89k▼ 8.1%
2024 · €96k
2023: €16k
2024: €96k
2023 → 2025
Working capital
€153k▲ 66.1%
2024 · €92k
2023: €-848
2024: €92k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€116k▲ 498%€204k▲ 76.5%
Operating result€20k-€123k▲ 530%€113k▼ 8.2%
Net result€16k-€96k▲ 517%€89k▼ 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 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€51k▲ 118%
Current assets
€242k▲ 61.1%
Equity and liabilities €293k
Equity
€204k▲ 76.5%
Debt
€88k▲ 53.0%
The debt ratio falls from 33.3% to 30.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€121k▼
2024 · €131k
Cash flow
€96k▼
2024 · €103k
Solvency
69.8%▲
2024 · 66.7%
Current ratio
2.73▲
2024 · 2.60
Quick ratio
2.73▲
2024 · 2.60
Debt / equity
0.43▼
2024 · 0.50
ROE
43.4%▼
2024 · 83.3%
ROA
30.3%▼
2024 · 55.5%
Interest coverage
1659.84▼
2024 · 1948.42
Debt
€88k▲
2024 · €58k
Debt ≤ 1 year
€88k▲
2024 · €58k
Income taxes
€25k▼
2024 · €27k
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€173k€293k▲
Fixed assets21/28€23k€51k▲
Tangible fixed assets22/27€23k€51k▲
Plant, machinery and equipment23€2k€16k▲
Furniture and vehicles24€21k€35k▲
Current assets29/58€150k€242k▲
Amounts receivable within one year40/41€45k€74k▲
Trade receivables40€29k€65k▲
Other amounts receivable41€16k€9k▼
Cash at bank and in hand54/58€103k€165k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€173k€293k▲
Equity10/15€116k€204k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€112k€200k▲
Amounts payable17/49€58k€88k▲
Amounts payable within one year42/48€58k€88k▲
Trade debts44€15k€5k▼
Suppliers440/4€15k€5k▼
Taxes, remuneration and social security45€32k€53k▲
Taxes450/3€32k€53k▲
Other amounts payable47/48€11k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€339€324▼
Gross operating margin9900€131k€121k▼
Operating profit (loss)9901€123k€113k▼
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€67€73▲
Recurring financial charges65€67€73▲
Profit (loss) for the period before taxes9903€123k€113k▼
Income taxes67/77€27k€25k▼
Profit (loss) for the period9904€96k€89k▼
Profit (loss) for the period to be appropriated9905€96k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€200k▲
Profit (loss) brought forward from the previous period14P€16k€112k▲
The notes to these accounts (5 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €204k ▲76.5%
3 profitable years in a row build equity to €204k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €96k ▲517%
Operating result €123k, net result €96k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.60
Current ratio from 0.93 to 2.60.
31-12
Financial
Equity above €100kEq €116k ▲498%
2 profitable years in a row build equity to €116k.
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 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, Londerzeel · 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.
Smisstraat 271840 LonderzeelGround area
676 m²
Building footprint
95 m²
Volume, LiDAR
555 m³
Parcel 23080D0183/00R000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VER-Bouwt
since 20222.338.047.913
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23080D0183/00R000 | Flanders | 676 m² | 1 · 95 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 254 EUR awarded · 254 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 254 EUR | 254 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 11,914 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
16230Manufacture of other builders' carpentry and joinery
43211General electrical installation work
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.