VERADIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €139k and a net result of €9k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 37% of 2425 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
9 d late
2023
18 d early
2022
12 d early
2021
22 d early
2020
31 d early
2019
31 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▲ 7.3%
2024 · €130k
2018: €85k
2019: €132k
2020: €171k
2021: €127k
2022: €126k
2023: €135k
2024: €130k
2018 → 2025
Net result
€9k
2024 · €-5k
2018: €12k
2019: €47k
2020: €39k
2021: €-44k
2022: €-2k
2023: €9k
2024: €-5k
2018 → 2025
Total assets
€405k▼ 11.4%
2024 · €457k
2018: €774k
2019: €732k
2020: €746k
2021: €654k
2022: €586k
2023: €546k
2024: €457k
2018 → 2025
Solvency
34.3%▲ 6.0pp
2024 · 28.4%
2018: 11.0%
2019: 18.0%
2020: 23.0%
2021: 19.5%
2022: 21.4%
2023: 24.7%
2024: 28.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€505k-€461k▼ 8.7%€469k▲ 1.7%€451k▼ 3.7%
Equity€127k-€126k▼ 1.2%€135k▲ 7.2%€130k▼ 3.7%€139k▲ 7.3%
Operating result€-34k-€18k€20k▲ 14.3%€11k▼ 47.0%€11k▲ 4.6%
Net result€-44k-€-2k▲ 96.5%€9k€-5k€9k
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 recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€356k▼ 13.8%
Current assets
€50k▲ 10.9%
Equity and liabilities €405k
Equity
€139k▲ 7.3%
Debt
€266k▼ 18.8%
The debt ratio falls from 71.6% to 65.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
34.3%▲
2024 · 28.4%
ROE
6.8%▲
2024 · -3.9%
ROA
2.3%▲
2024 · -1.1%
Debt
€266k▼
2024 · €328k
Debt ≤ 1 year
€78k▼
2024 · €162k
Debt > 1 year
€188k▲
2024 · €165k
Income taxes
€-4k▼
2024 · €6k
Staff costs
€230k▲
2024 · €190k
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€457k€405k▼
Fixed assets21/28€413k€356k▼
Intangible fixed assets21€98k€54k▼
Tangible fixed assets22/27€315k€301k▼
Land and buildings22€313k€297k▼
Plant, machinery and equipment23€539-
Furniture and vehicles24€1k€4k▲
Current assets29/58€45k€50k▲
Amounts receivable within one year40/41€38k€50k▲
Trade receivables40€37k€43k▲
Other amounts receivable41€792€7k▲
Cash at bank and in hand54/58€5k-
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€457k€405k▼
Equity10/15€130k€139k▲
Contributions10/11€12k€12k=
Outside capital11€12k-
Other1109/19€12k-
Reserves13€108k€117k▲
Distributable reserves133€108k€117k▲
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€328k€266k▼
Amounts payable after more than one year17€165k€188k▲
Financial debts170/4€165k€188k▲
Amounts payable within one year42/48€162k€78k▼
Current portion of amounts payable after more than one year42€71k€49k▼
Financial debts43€20k€27k▲
Credit institutions430/8€20k€27k▲
Trade debts44€13k€137▼
Suppliers440/4€13k€137▼
Taxes, remuneration and social security45€9k€949▼
Taxes450/3€3k€949▼
Remuneration and social security454/9€6k-
Other amounts payable47/48€50k€40▼
Accrued charges and deferred income492/3€231-
Income statement
Code20242025
Turnover70€451k-
Non-recurring operating income76A€32k-
Goods, raw materials, services and sundry goods60/61€176k-
Remuneration, social security and pensions62€190k€230k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€60k▼
Other operating charges640/8€6k€4k▼
Gross operating margin9900€276k€305k▲
Operating profit (loss)9901€11k€11k▲
Financial income75/76B€32k€18▼
Recurring financial income75€17€18▲
Non-recurring financial income76B€32k-
Financial charges65/66B€41k€6k▼
Recurring financial charges65€41k€6k▼
Profit (loss) for the period before taxes9903€1k€5k▲
Income taxes67/77€6k€-4k▼
Profit (loss) for the period9904€-5k€9k▲
Profit (loss) for the period to be appropriated9905€-5k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€19k▲
Profit (loss) brought forward from the previous period14P€15k€10k▼
Transfer to equity691/2-€9k
To other reserves6921-€9k
Social balance
Average headcount (FTE)90872.8-
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 9 days late
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-44k ▼212%
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150kEq €171k ▲29.9%
3 profitable years in a row build equity to €171k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €47k ▲303%
Operating result €85k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €132k ▲54.5%
2 profitable years in a row build equity to €132k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-07
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
3 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, Gooik · 2 establishment units since 2011
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.
Letterbeekstraat 351755 GooikGround area
2,994 m²
Building footprint
249 m²
Volume, LiDAR
1,163 m³
3 parcels, Flanders · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
VERADIS
since 20112.200.490.035
Ninoofsesteenweg 276, 1500 Halle
since 20202.316.269.928
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23024E0501/00G000 | Flanders | 2,410 m² | 1 · 55 m² | 3.6 m · 1 fl. |
| 23027F0055/00L000 | Flanders | 492 m² | 1 · 96 m² | 13.6 m · 4 fl. |
| 23024C0066/00N003 | Flanders | 92 m² | 1 · 98 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900UVDDJV0Z3NIU92
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Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 1,097 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2011
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.