VERACO
ActiveVERACO has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €495k and a net result of €26k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 53% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-1
Solvency65▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.2 in 2024; short-term debt: 45.2% and cash: 17.6% of total assets), and 59.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
40.1%
Return on assets
2.1%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-03-2026, 37 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 filingsDeviation from the deadline
2025
37 d late
2024
on the day
2023
on the day
2022
4 d early
2021
3 d early
2020
16 d late
2019
77 d late
← 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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€495k▲ 5.5%
2024 · €469k
2019: €405k
2020: €406k
2021: €417k
2022: €436k
2023: €435k
2024: €469k
2019 → 2025
Total assets
€1.23M▲ 1.7%
2024 · €1.21M
2019: €884k
2020: €817k
2021: €1.02M
2022: €1.07M
2023: €935k
2024: €1.21M
2019 → 2025
Net result
€26k▼ 23.9%
2024 · €34k
2019: €21k
2020: €883
2021: €11k
2022: €19k
2023: €-494
2024: €34k
2019 → 2025
Working capital
€155k▲ 38.0%
2024 · €113k
2019: €195k
2020: €163k
2021: €134k
2022: €145k
2023: €138k
2024: €113k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€417k-€436k▲ 4.6%€435k▼ 0.1%€469k▲ 7.8%€495k▲ 5.5%
Operating result€17k-€28k▲ 59.9%€3k▼ 87.9%€48k▲ 1,350%€37k▼ 23.8%
Net result€11k-€19k▲ 83.3%€-494€34k€26k▼ 23.9%
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 falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€522k▼ 4.1%
Current assets
€713k▲ 6.5%
Equity and liabilities €1.23M
Equity
€495k▲ 5.5%
Provisions
€28k▼ 4.7%
Debt
€711k▼ 0.4%
The debt ratio falls from 58.9% to 57.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▼
2024 · €78k
Cash flow
€53k▼
2024 · €63k
Solvency
40.1%▲
2024 · 38.7%
Current ratio
1.28▲
2024 · 1.20
Quick ratio
0.53▲
2024 · 0.49
Debt / equity
1.44▼
2024 · 1.52
ROE
5.2%▼
2024 · 7.2%
ROA
2.1%▼
2024 · 2.8%
Interest coverage
15.61▲
2024 · 14.29
Debt
€711k▼
2024 · €714k
Debt ≤ 1 year
€558k▲
2024 · €557k
Debt > 1 year
€150k▼
2024 · €152k
Income taxes
€8k▼
2024 · €10k
Staff costs
€76k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.21M€1.23M▲
Fixed assets21/28€544k€522k▼
Tangible fixed assets22/27€543k€521k▼
Land and buildings22€481k€476k▼
Plant, machinery and equipment23€22k€20k▼
Furniture and vehicles24€41k€25k▼
Financial fixed assets28€471€471=
Current assets29/58€669k€713k▲
Stocks and contracts in progress3€399k€419k▲
Stocks30/36€399k€419k▲
Amounts receivable within one year40/41€54k€68k▲
Trade receivables40€54k€68k▲
Other amounts receivable41€0€9▲
Cash at bank and in hand54/58€208k€218k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.23M▲
Equity10/15€469k€495k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€407k€433k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€87k€83k▼
Distributable reserves133€314k€344k▲
Provisions and deferred taxes16€30k€28k▼
Provisions for liabilities and charges160/5€7k€7k=
Major repairs and maintenance162€7k€7k=
Deferred taxes168€22k€21k▼
Amounts payable17/49€714k€711k▼
Amounts payable after more than one year17€152k€150k▼
Financial debts170/4€152k€150k▼
Amounts payable within one year42/48€557k€558k▲
Current portion of amounts payable after more than one year42€28k€2k▼
Trade debts44€47k€69k▲
Suppliers440/4€47k€69k▲
Advances received on contracts in progress46€30k€30k=
Taxes, remuneration and social security45€21k€21k▲
Taxes450/3€13k€12k▼
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€431k€435k▲
Accrued charges and deferred income492/3€5k€4k▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€55k€76k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€28k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-8k€-5k▲
Other operating charges640/8€11k€10k▼
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€138k€145k▲
Operating profit (loss)9901€48k€37k▼
Financial income75/76B€205€190▼
Recurring financial income75€205€190▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€43k€33k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€34k€26k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€38k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€30k▼
Transfer to equity691/2€38k€30k▼
To other reserves6921€38k€30k▼
Social balance
Average headcount (FTE)90871.01.7▲
The notes to these accounts (21 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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 37 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-494 ▼103%
Net result drops to €-494, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 16 days late
2020
17-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 77 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1994
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.
Lindenstraat 3102070 Beveren-Kruibeke-ZwijndrechtGround area
2,906 m²
Building footprint
168 m²
Volume, LiDAR
891 m³
Parcel 11056B0578/00N000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lindenstraat 310, 2070 Beveren-Kruibeke-Zwijndrecht
since 19942.065.822.856
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056B0578/00N000 | Flanders | 2,906 m² | 1 · 168 m² | 6.3 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.
Similar companies · same sector, comparable size
CARROSSERIE BOGEMANS
BE 0871.222.722
Grimbergen · Eq €495k
BORCY PERE ET FILS
BE 0433.037.395
Saint-Hubert · Eq €495k
AUTOMARNICK
BE 0821.835.765
Ieper · Eq €496k
SWYNGEDOUW PIETER
BE 0474.973.069
Torhout · Eq €496k
GARAGE CARROSSERIE ETOILE
BE 0825.883.932
Hemiksem · Eq €496k
Of 10,677 companies in sector 47811 we hold annual accounts for 5,222. 3,454 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-02-1994
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.