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VERAC

Active
Public limited companyfounded 195372 yrs activeVilvoordelaan 170, 1930 Zaventem, BelgiumKBO/BCE: BE 0404.490.196
Summary

VERAC has been active since 1953 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10.2m and a net result of €376,038. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 77% of 5338 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
VERACActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310NACE 68311NACE 70311
#1 oldest company in Zaventem, Real estate sector2 sites
Size
€13.6mtotal assets 2025
Staff
6.8 FTE
Equity
€10.2m
Profit
€376,038
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts filed 31 d late0 of 7 deeds read
Why 85- Liquidity: current ratio 0.96, cash €107,947- Latest accounts 31 days late; 1 of the last 3 late+ Founded in 1953+ Equity €10.2m (75.5% of total assets)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 66% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+2
equity 75.5% of total assets
Liquidity 51-1
short-term debt 7.3% · cash 0.8%
Profitability 72=
return on assets 2.8%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: 0.2%lowest value 12-2024: 0.2%● 0.0% vs 11-2024lowest value 01-2025: 0.2%● 0.0% vs 12-2024lowest value 02-2025: 0.2%● 0.0% vs 01-2025lowest value 03-2025: 0.2%▲ +1.7% vs 02-2025 04-2025: 0.2%▲ +5.6% vs 03-2025 05-2025: 0.2%▲ +5.3% vs 04-2025 06-2025: 0.2%▲ +12.0% vs 05-2025 07-2025: 0.3%▲ +39.3% vs 06-2025 08-2025: 0.2%▼ -31.1% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%● 0.0% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▲ +1.4% vs 02-2026 04-2026: 0.2%▲ +5.5% vs 03-2026 05-2026: 0.2%▲ +5.2% vs 04-2026 06-2026: 0.3%▲ +3.7% vs 05-2026 07-2026: 0.3%▼ -0.4% vs 06-2026 08-2026: 0.6%▲ +125% vs 07-2026highest value 09-2026: 0.4%▼ -25.4% vs 08-2026 10-2026: 0.4%● 0.0% vs 09-2026
  • Liquidity: current ratio 0.96, cash €107,947 raises the probability
  • Founded in 1953 lowers the probability for this profile
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Equity €10.2m (75.5% of total assets) lowers the probability
Credit up to €850,000 at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.01 in 2024; short-term debt: 7.3% and cash: 0.8% of total assets), and 24.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 91%, liquidity 56%, profitability 64%, growth against the median 56%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.96, cash €107,947
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1953
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Equity €10.2m (75.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
7 d early
2023
on the day
2022
7 d early
2021
4 d early
2020
23 d early
2019
on the day
← 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 1 day before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 27 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Equity above €10mEq €10.2m ▲3.5%
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Oldest company in Zaventem, Real estate sectorin the Checked rankings #1 View
  • Active since 1953founded 14-10-1953 72 years View
  • Total assets 20256 fiscal years filed €13.6m View

By topic

Financials

Fiscal year
2025
Total assets
€13.6m
Profit
€376,038
Solvency
75.5%
Total assets▼ 0.4%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-12-2025Equity above €10m
  3. 24-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
14-10-1953
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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