Veralu Install
ActiveVeralu Install has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €15k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 27% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-22
Solvency31▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.06 against 1.08 in 2024; short-term debt: 92.5% and cash: 1.4% of total assets), and 93.8% 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
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
6.2%
Return on assets
1.6%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €60k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
3 d early
2021
4 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€60k▲ 34.2%
2024 · €45k
2018: €325k
2019: €188k
2020: €24k
2021: €24k
2022: €25k
2023: €29k
2024: €45k
2018 → 2025
Total assets
€982k▲ 113%
2024 · €462k
2018: €878k
2019: €819k
2020: €555k
2021: €421k
2022: €498k
2023: €464k
2024: €462k
2018 → 2025
Net result
€15k▼ 5.5%
2024 · €16k
2018: €-36k
2019: €-137k
2020: €-164k
2021: €273
2022: €739
2023: €4k
2024: €16k
2018 → 2025
Working capital
€54k▲ 62.6%
2024 · €33k
2018: €514k
2019: €316k
2020: €162k
2021: €-2k
2022: €9k
2023: €3k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€25k▲ 3.0%€29k▲ 14.1%€45k▲ 56.9%€60k▲ 34.2%
Operating result€11k-€7k▼ 34.0%€15k▲ 106%€27k▲ 80.6%€54k▲ 95.0%
Net result€273-€739▲ 171%€4k▲ 380%€16k▲ 359%€15k▼ 5.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 95% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €982k
Fixed assets
€20k▼ 48.4%
Current assets
€962k▲ 127%
Equity and liabilities €982k
Equity
€60k▲ 34.2%
Debt
€922k▲ 121%
The debt ratio rises from 90.3% to 93.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▲
2024 · €46k
Cash flow
€34k▼
2024 · €35k
Solvency
6.2%▼
2024 · 9.7%
Current ratio
1.06▼
2024 · 1.08
Quick ratio
0.92▲
2024 · 0.73
Debt / equity
15.25▲
2024 · 9.26
ROE
25.5%▼
2024 · 36.3%
ROA
1.6%▼
2024 · 3.5%
Interest coverage
1.89▼
2024 · 4.12
Debt
€922k▲
2024 · €417k
Debt ≤ 1 year
€908k▲
2024 · €390k
Debt > 1 year
€13k▼
2024 · €23k
Staff costs
€937k▲
2024 · €800k
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€462k€982k▲
Fixed assets21/28€39k€20k▼
Tangible fixed assets22/27€20k€2k▼
Land and buildings22€20k€2k▼
Financial fixed assets28€18k€18k=
Current assets29/58€423k€962k▲
Stocks and contracts in progress3€137k€128k▼
Stocks30/36€33k€34k▲
Contracts in progress37€104k€94k▼
Amounts receivable within one year40/41€263k€804k▲
Trade receivables40€227k€208k▼
Other amounts receivable41€36k€596k▲
Cash at bank and in hand54/58€748€14k▲
Deferred charges and accrued income490/1€22k€16k▼
Equity and liabilities
Total equity and liabilities10/49€462k€982k▲
Equity10/15€45k€60k▲
Contributions10/11€280k€280k=
Reserves13€6k€6k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-241k€-226k▲
Amounts payable17/49€417k€922k▲
Amounts payable after more than one year17€23k€13k▼
Financial debts170/4€23k€13k▼
Other amounts payable178/9€240€0▼
Amounts payable within one year42/48€390k€908k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43€44k€74k▲
Credit institutions430/8€44k€74k▲
Trade debts44€102k€194k▲
Suppliers440/4€102k€194k▲
Taxes, remuneration and social security45€57k€19k▼
Taxes450/3€2k€0▼
Remuneration and social security454/9€55k€19k▼
Other amounts payable47/48€179k€611k▲
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Non-recurring operating income76A€160€200▲
Remuneration, social security and pensions62€800k€937k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€1k
Other operating charges640/8€3k€26k▲
Non-recurring operating charges66A€30k€22k▼
Gross operating margin9900€879k€1.06M▲
Operating profit (loss)9901€27k€54k▲
Financial income75/76B€24€0▼
Recurring financial income75€24€0▼
Financial charges65/66B€11k€38k▲
Recurring financial charges65€11k€38k▲
Profit (loss) for the period before taxes9903€16k€15k▼
Profit (loss) for the period9904€16k€15k▼
Profit (loss) for the period to be appropriated9905€16k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-241k€-226k▲
Profit (loss) brought forward from the previous period14P€-257k€-241k▲
Social balance
Average headcount (FTE)908714.015.7▲
The notes to these accounts (13 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €16k ▲359%
Net result €16k, the highest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €273
Net result €273 after 3 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €-164k
Net result drops to €-164k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-02
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
7 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 · 2 establishment units since 2007
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.
Kerkstraat 702060 AntwerpenGround area
1.9 ha
Building footprint
8,330 m²
Volume, LiDAR
44,329 m³
2 parcels, Flanders · tallest building 21.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
ATELIER 70
since 20072.166.975.149
Veralu Install
since 20232.359.393.158
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. |
| 11805E0792/00S000 | Flanders | 327 m² | 1 · 105 m² | 21.9 m · 4 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
2024 to 2025 · 2 entries · 259 EUR awarded · 149 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 110 EUR | 0 EUR |
| 2024 | 1 | 149 EUR | 149 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
5 categoriesVeralu Install BV43966
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Of 7,006 companies in sector 96999 we hold annual accounts for 602. 434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-2007
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.