Ver-um
ActiveVer-um has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €231k and a net result of €211k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 8092 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency56▼-44
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 21.55 in 2023; short-term debt: 69.4% and cash: 9.7% of total assets), and 69.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-06-2025, 48 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
48 d early
2023
56 d early
2022
27 d early
2021
48 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€231k▼ 55.6%
2023 · €521k
2021: €180k
2022: €336k
2023: €521k
2021 → 2024
Total assets
€755k▲ 38.2%
2023 · €546k
2021: €189k
2022: €358k
2023: €546k
2021 → 2024
Net result
€211k▲ 14.2%
2023 · €184k
2021: €177k
2022: €156k
2023: €184k
2021 → 2024
Working capital
€230k▼ 55.7%
2023 · €518k
2021: €180k
2022: €336k
2023: €518k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€180k-€336k▲ 87.0%€521k▲ 54.8%€231k▼ 55.6%
Operating result€229k-€202k▼ 11.8%€232k▲ 14.8%€262k▲ 12.8%
Net result€177k-€156k▼ 11.5%€184k▲ 17.8%€211k▲ 14.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 13% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €755k
Fixed assets
€1k▼ 40.1%
Current assets
€753k▲ 38.6%
Equity and liabilities €755k
Equity
€231k▼ 55.6%
Debt
€523k▲ 1,975%
The debt ratio rises from 4.6% to 69.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€263k▲
2023 · €233k
Cash flow
€211k▲
2023 · €185k
Solvency
30.6%▼
2023 · 95.4%
Current ratio
1.44▼
2023 · 21.55
Quick ratio
1.44▼
2023 · 21.55
Debt / equity
2.26▲
2023 · 0.05
ROE
91.1%▲
2023 · 35.4%
ROA
27.9%▼
2023 · 33.8%
Interest coverage
3576.14▼
2023 · 7607.03
Debt
€523k▲
2023 · €25k
Debt ≤ 1 year
€523k▲
2023 · €25k
Income taxes
€64k▲
2023 · €55k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€546k€755k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€544k€753k▲
Amounts receivable within one year40/41€33k€36k▲
Trade receivables40€33k€36k▲
Current investments50/53€435k€643k▲
Cash at bank and in hand54/58€75k€73k▼
Deferred charges and accrued income490/1€435€438▲
Equity and liabilities
Total equity and liabilities10/49€546k€755k▲
Equity10/15€521k€231k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€518k€228k▼
Amounts payable17/49€25k€523k▲
Amounts payable within one year42/48€25k€523k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€20k€19k▼
Other amounts payable47/48-€500k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€465€922▲
Other operating charges640/8€616€628▲
Non-recurring operating charges66A€182-
Gross operating margin9900€234k€264k▲
Operating profit (loss)9901€232k€262k▲
Financial income75/76B€7k€13k▲
Recurring financial income75€7k€13k▲
Financial charges65/66B€31€74▲
Recurring financial charges65€31€74▲
Profit (loss) for the period before taxes9903€239k€274k▲
Income taxes67/77€55k€64k▲
Profit (loss) for the period9904€184k€211k▲
Profit (loss) for the period to be appropriated9905€184k€211k▲
Appropriation of the result
Profit (loss) to be appropriated9906€518k€728k▲
Profit (loss) brought forward from the previous period14P€333k€518k▲
Profit to be distributed694/7-€500k
Return on contributions (dividend)694-€500k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €211k ▲14.2%
Operating result €262k, net result €211k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €521k ▲54.8%
3 profitable years in a row build equity to €521k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €156k ▼11.5%
Net result drops to €156k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €336k ▲87%
2 profitable years in a row build equity to €336k.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
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, Evergem · 1 establishment unit since 2021
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.
Zevekotestraat 399940 EvergemGround area
1,779 m²
Building footprint
167 m²
Volume, LiDAR
785 m³
Parcel 44302F0098/00G000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ver-um
since 20212.319.879.219
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302F0098/00G000 | Flanders | 1,779 m² | 1 · 167 m² | 7.5 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.
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VERAMM
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"NICOLAS DEMEURE" EN/OF "MAVIL"
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MarVan Consulting
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GLOBAL GRID
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.