VERALU
ActiveVERALU has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €683k and a net result of €78k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 28% of 156 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+4
Solvency43▼-21
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.67 in 2024), and 74% 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 22
Relative position
BE, all sectors
reference
Sector 22
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
26%
Return on assets
3%
Age of the figures
8 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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
5 d early
2022
3 d early
2021
31 d early
2020
38 d early
2019
126 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€683k▲ 12.8%
2024 · €605k
2018: €171k
2019: €249k
2020: €282k
2021: €370k
2022: €462k
2023: €541k
2024: €605k
2018 → 2025
Total assets
€2.63M▲ 35.5%
2024 · €1.94M
2018: €1.76M
2019: €1.39M
2020: €1.20M
2021: €1.51M
2022: €1.57M
2023: €1.51M
2024: €1.94M
2018 → 2025
Net result
€78k▲ 21.1%
2024 · €64k
2018: €10k
2019: €78k
2020: €33k
2021: €88k
2022: €93k
2023: €79k
2024: €64k
2018 → 2025
Working capital
€276k▼ 59.5%
2024 · €681k
2018: €-55k
2019: €454k
2020: €327k
2021: €279k
2022: €312k
2023: €688k
2024: €681k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€370k-€462k▲ 25.0%€541k▲ 17.1%€605k▲ 11.8%€683k▲ 12.8%
Operating result€100k-€122k▲ 22.1%€144k▲ 18.4%€103k▼ 28.5%€120k▲ 16.0%
Net result€88k-€93k▲ 5.3%€79k▼ 14.8%€64k▼ 18.7%€78k▲ 21.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.63M
Fixed assets
€602k▲ 151%
Current assets
€2.02M▲ 19.2%
Equity and liabilities €2.63M
Equity
€683k▲ 12.8%
Debt
€1.94M▲ 45.8%
The debt ratio rises from 68.8% to 74.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€228k▲
2024 · €140k
Cash flow
€186k▲
2024 · €101k
Solvency
26.0%▼
2024 · 31.2%
Current ratio
1.16▼
2024 · 1.67
Quick ratio
0.38▼
2024 · 0.67
Debt / equity
2.85▲
2024 · 2.20
ROE
11.4%▲
2024 · 10.6%
ROA
3.0%▼
2024 · 3.3%
Interest coverage
4.64▲
2024 · 3.60
Debt
€1.94M▲
2024 · €1.33M
Debt ≤ 1 year
€1.75M▲
2024 · €1.02M
Debt > 1 year
€194k▼
2024 · €315k
Income taxes
€487▲
2024 · €321
Staff costs
€1.15M▲
2024 · €822k
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€1.94M€2.63M▲
Fixed assets21/28€239k€602k▲
Intangible fixed assets21€42k€52k▲
Tangible fixed assets22/27€187k€539k▲
Plant, machinery and equipment23€151k€450k▲
Furniture and vehicles24€30k€84k▲
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€11k€11k=
Current assets29/58€1.70M€2.02M▲
Stocks and contracts in progress3€1.01M€1.36M▲
Stocks30/36€585k€550k▼
Contracts in progress37€429k€810k▲
Amounts receivable within one year40/41€536k€581k▲
Trade receivables40€256k€549k▲
Other amounts receivable41€280k€32k▼
Cash at bank and in hand54/58€76k€3k▼
Deferred charges and accrued income490/1€73k€79k▲
Equity and liabilities
Total equity and liabilities10/49€1.94M€2.63M▲
Equity10/15€605k€683k▲
Contributions10/11€62k€62k=
Reserves13€99k€99k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€42k€42k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€444k€521k▲
Amounts payable17/49€1.33M€1.94M▲
Amounts payable after more than one year17€315k€194k▼
Financial debts170/4€315k€194k▼
Amounts payable within one year42/48€1.02M€1.75M▲
Current portion of amounts payable after more than one year42€108k€185k▲
Financial debts43€125k€275k▲
Credit institutions430/8€125k€275k▲
Trade debts44€521k€495k▼
Suppliers440/4€521k€495k▼
Taxes, remuneration and social security45€48k€136k▲
Taxes450/3€15k€20k▲
Remuneration and social security454/9€32k€116k▲
Other amounts payable47/48€215k€657k▲
Accrued charges and deferred income492/3€0€521▲
Income statement
Code20242025
Remuneration, social security and pensions62€822k€1.15M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€109k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€13k€16k▲
Gross operating margin9900€974k€1.40M▲
Operating profit (loss)9901€103k€120k▲
Financial income75/76B€154€8k▲
Recurring financial income75€154€8k▲
Financial charges65/66B€39k€49k▲
Recurring financial charges65€39k€49k▲
Profit (loss) for the period before taxes9903€64k€78k▲
Income taxes67/77€321€487▲
Profit (loss) for the period9904€64k€78k▲
Profit (loss) for the period to be appropriated9905€64k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€444k€521k▲
Profit (loss) brought forward from the previous period14P€380k€444k▲
Social balance
Average headcount (FTE)908711.815.9▲
The notes to these accounts (19 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €541k ▲17.1%
6 profitable years in a row build equity to €541k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €93k ▲5.3%
Net result €93k, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity doublescurrent ratio 1.99
Current ratio from 0.96 to 1.99; short-term debt falls from €1.28M to €457k.
31-12
Financial
Equity above €200kEq €249k ▲45.5%
2 profitable years in a row build equity to €249k.
06-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kontich · 2 establishment units since 1985
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.
Grote Steenweg 322550 KontichGround area
1.9 ha
Building footprint
9,459 m²
Volume, LiDAR
50,817 m³
2 parcels, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
F. CRAS
since 19852.069.682.466
Koningsbaan 86, 2580 Putte
since 20252.368.373.972
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12001B0279/00M000 | Flanders | 1.8 ha | 1 · 8,225 m² | 7.1 m · 2 fl. |
| 11048A0096/00F002 | Flanders | 1,233 m² | 1 · 1,234 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 827 EUR awarded · 827 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 540 EUR | 540 EUR |
| 2022 | 1 | 287 EUR | 287 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 366 companies in sector 22210 we hold annual accounts for 288. 207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-1985
Fiscal year end31-12
Activities, NACEBEL
22210Manufacture of rubber and plastic products
25120Manufacture of fabricated metal products, except machinery and equipment
28120
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.