VERALMO
ActiveSummary
VERALMO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €108k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency51▼-17
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 2.25 in 2024; short-term debt: 73.9% and cash: 99.3% of total assets), and 73.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
26.1%
Return on assets
73%
Age of the figures
9 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
14 d early
2023
89 d early
2022
33 d early
2021
31 d early
2020
39 d early
2019
18 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 11.5%
2024 · €44k
2018: €51k
2019: €55k▲ +7.0% vs 2018
2020: €56k▲ +1.5% vs 2019
2021: €57k▲ +1.8% vs 2020highest in 8 years
2022: €42k▼ -25.9% vs 2021
2023: €40k▼ -4.4% vs 2022
2024: €44k▲ +8.4% vs 2023
2025: €39k▼ -11.5% vs 2024lowest in 8 years
2018 → 2025
Total assets
€147k▲ 44.5%
2024 · €102k
2018: €479khighest in 8 years
2019: €399k▼ -16.7% vs 2018
2020: €310k▼ -22.2% vs 2019
2021: €221k▼ -28.9% vs 2020
2022: €151k▼ -31.5% vs 2021
2023: €59k▼ -61.0% vs 2022lowest in 8 years
2024: €102k▲ +72.8% vs 2023
2025: €147k▲ +44.5% vs 2024
2018 → 2025
Net result
€108k▲ 188%
2024 · €37k
2018: €20k
2019: €18k▼ -12.0% vs 2018
2020: €15k▼ -15.7% vs 2019
2021: €11k▼ -25.7% vs 2020
2022: €5k▼ -51.5% vs 2021
2023: €-2k▼ -135% vs 2022lowest in 8 years
2024: €37k▲ +2123% vs 2023
2025: €108k▲ +188% vs 2024highest in 8 years
2018 → 2025
Working capital
€39k▼ 31.9%
2024 · €57k
2018: €335khighest in 8 years
2019: €272k▼ -18.8% vs 2018
2020: €207k▼ -23.8% vs 2019
2021: €138k▼ -33.1% vs 2020
2022: €53k▼ -61.4% vs 2021
2023: €40k▼ -24.9% vs 2022
2024: €57k▲ +40.9% vs 2023
2025: €39k▼ -31.9% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€42k▼ 25.9%€40k▼ 4.4%€44k▲ 8.4%€39k▼ 11.5%
2021: €57khighest in 5 years
2022: €42k▼ -25.9% vs 2021
2023: €40k▼ -4.4% vs 2022
2024: €44k▲ +8.4% vs 2023
2025: €39k▼ -11.5% vs 2024lowest in 5 years
Operating result€14k-€6k▼ 53.7%€-1k€49k€144k▲ 197%
2021: €14k
2022: €6k▼ -53.7% vs 2021
2023: €-1k▼ -118% vs 2022lowest in 5 years
2024: €49k▲ +4230% vs 2023
2025: €144k▲ +197% vs 2024highest in 5 years
Net result€11k-€5k▼ 51.5%€-2k€37k€108k▲ 188%
2021: €11k
2022: €5k▼ -51.5% vs 2021
2023: €-2k▼ -135% vs 2022lowest in 5 years
2024: €37k▲ +2123% vs 2023
2025: €108k▲ +188% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 197% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €147k
Equity
€39k ▼ 11.5%
Debt
€109k ▲ 86.2%
Debt's share of the balance-sheet total rises from 57.3% to 73.9%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.35▼
2024 · 2.25
Debt to equity
2.83▲
2024 · 1.34
ROE
279.3%▲
2024 · 85.8%
ROA
73.0%▲
2024 · 36.6%
Debt ≤ 1 year
€109k▲
2024 · €45k
Income taxes
€36k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€147k▲
Current assets29/58€102k€147k▲
Amounts receivable within one year40/41€13k€1k▼
Trade receivables40€8k€0▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€89k€146k▲
Equity and liabilities
Total equity and liabilities10/49€102k€147k▲
Equity10/15€44k€39k▼
Contributions10/11€6k€1k▼
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€58k€109k▲
Amounts payable within one year42/48€45k€109k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€43€0▼
Suppliers440/4€43€0▼
Taxes, remuneration and social security45€22k€1k▼
Taxes450/3€16k€1k▼
Remuneration and social security454/9€6k€0▼
Other amounts payable47/48€24k€108k▲
Accrued charges and deferred income492/3€13k€0▼
Income statement
Code20242025
Other operating charges640/8€9k€9k▼
Gross operating margin9900€57k€153k▲
Operating profit (loss)9901€49k€144k▲
Financial charges65/66B€192€275▲
Recurring financial charges65€192€275▲
Profit (loss) for the period before taxes9903€48k€144k▲
Income taxes67/77€11k€36k▲
Profit (loss) for the period9904€37k€108k▲
Profit (loss) for the period to be appropriated9905€37k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€108k▲
Transfer from equity791/2€34k€0▼
Transfer to equity691/2€37k€0▼
To other reserves6921€37k€0▼
Profit to be distributed694/7€34k€108k▲
Return on contributions (dividend)694€34k€108k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €7k | €8k | €8k | €9k | €9k | ▼ 0.4% |
| Gross operating margin9900 | €21k | €14k | €7k | €57k | €153k | ▲ 167% |
| Operating profit (loss)9901 | €14k | €6k | €-1k | €49k | €144k | ▲ 197% |
| Financial income75/76B | - | €118 | €0 | - | - | - |
| Recurring financial income75 | - | €118 | €0 | - | - | - |
| Financial charges65/66B | €3k | €1k | €670 | €192 | €275 | ▲ 42.9% |
| Recurring financial charges65 | €3k | €1k | €670 | €192 | €275 | ▲ 42.9% |
| Profit (loss) for the period before taxes9903 | €11k | €5k | €-2k | €48k | €144k | ▲ 198% |
| Income taxes67/77 | €184 | €0 | - | €11k | €36k | ▲ 230% |
| Profit (loss) for the period9904 | €11k | €5k | €-2k | €37k | €108k | ▲ 188% |
| Profit (loss) for the period to be appropriated9905 | €11k | €5k | €-2k | €37k | €108k | ▲ 188% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €221k | €151k | €59k | €102k | €147k | ▲ 44.5% |
| Current assets29/58 | €221k | €151k | €59k | €102k | €147k | ▲ 44.5% |
| Amounts receivable after more than one year29 | €107k | €0 | - | - | - | - |
| Trade receivables290 | €107k | €0 | - | - | - | - |
| Amounts receivable within one year40/41 | €102k | €108k | €0 | €13k | €1k | ▼ 92.4% |
| Trade receivables40 | - | - | - | €8k | €0 | ▼ 100% |
| Other amounts receivable41 | €102k | €108k | €0 | €5k | €1k | ▼ 80.2% |
| Cash at bank and in hand54/58 | €12k | €43k | €59k | €89k | €146k | ▲ 64.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €221k | €151k | €59k | €102k | €147k | ▲ 44.5% |
| Equity10/15 | €57k | €42k | €40k | €44k | €39k | ▼ 11.5% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €1k | ▼ 80.6% |
| Reserves13 | €50k | €36k | €34k | €37k | €37k | = |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €49k | €34k | €34k | €37k | €37k | = |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €164k | €109k | €19k | €58k | €109k | ▲ 86.2% |
| Amounts payable after more than one year17 | €80k | €11k | €0 | - | - | - |
| Financial debts170/4 | €80k | €11k | €0 | - | - | - |
| Amounts payable within one year42/48 | €82k | €98k | €19k | €45k | €109k | ▲ 140% |
| Current portion of amounts payable after more than one year42 | €68k | €68k | €11k | €0 | - | - |
| Trade debts44 | - | €2k | €2k | €43 | €0 | ▼ 100% |
| Suppliers440/4 | - | €2k | €2k | €43 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €6k | €5k | €22k | €1k | ▼ 94.1% |
| Taxes450/3 | - | €6k | €5k | €16k | €1k | ▼ 91.7% |
| Remuneration and social security454/9 | - | - | - | €6k | €0 | ▼ 100% |
| Other amounts payable47/48 | €14k | €22k | €0 | €24k | €108k | ▲ 353% |
| Accrued charges and deferred income492/3 | €2k | €0 | - | €13k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €5k | €-2k | €37k | €108k | ▲ 188% |
| Operating cash flow (approximation) | €11k | €5k | €-2k | €37k | €108k | ▲ 188% |
| Change in cash | - | €31k | €16k | €30k | €58k | ▲ 92.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €108k ▲188%
Operating result €144k, net result €108k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.55 to 3.13; short-term debt falls from €98k to €19k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2006
Ground area
485 m²
Building footprint
160 m²
Volume, LiDAR
2,213 m³
Parcel 11303C0202/00R006, Flanders · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Veralmo
since 20062.153.490.862
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0202/00R006 | Flanders | 485 m² | 1 · 160 m² | 16.5 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 7,326 companies in sector 68110 we hold annual accounts for 5,385. 3,062 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-04-2006
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.