VERAM
ActiveVERAM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €224k and a net result of €15k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 37% of 19345 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
69
/ 100
Healthy▲ +21 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability33▲+28
Solvency40▼-2
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.96 in 2023), but 84.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
85 d late
2022
126 d late
2021
264 d late
2020
255 d late
2019
214 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€224k▲ 7.1%
2023 · €209k
2018: €138k
2019: €152k
2020: €170k
2021: €183k
2022: €207k
2023: €209k
2018 → 2024
Total assets
€1.42M▼ 4.0%
2023 · €1.48M
2018: €718k
2019: €1.29M
2020: €1.39M
2021: €1.87M
2022: €1.84M
2023: €1.48M
2018 → 2024
Net result
€15k▲ 615%
2023 · €2k
2018: €8k
2019: €14k
2020: €17k
2021: €13k
2022: €25k
2023: €2k
2018 → 2024
Working capital
€617k▼ 13.2%
2023 · €711k
2018: €370k
2019: €499k
2020: €472k
2021: €668k
2022: €818k
2023: €711k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€170k-€183k▲ 7.6%€207k▲ 13.5%€209k▲ 1.0%€224k▲ 7.1%
Operating result€50k-€35k▼ 30.5%€67k▲ 93.0%€25k▼ 62.1%€53k▲ 110%
Net result€17k-€13k▼ 26.2%€25k▲ 91.1%€2k▼ 91.5%€15k▲ 615%
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 2024; 2024 is 110% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.42M
Fixed assets
€56k▲ 119%
Current assets
€1.36M▼ 6.2%
Equity and liabilities €1.42M
Equity
€224k▲ 7.1%
Debt
€1.19M▼ 5.8%
The debt ratio falls from 85.8% to 84.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€68k▲
2023 · €30k
Cash flow
€30k▲
2023 · €7k
Solvency
15.8%▲
2023 · 14.2%
Current ratio
1.83▼
2023 · 1.96
Quick ratio
1.42▼
2023 · 1.63
Debt / equity
5.32▼
2023 · 6.05
ROE
6.7%▲
2023 · 1.0%
ROA
1.1%▲
2023 · 0.1%
Interest coverage
2.17▲
2023 · 1.33
Debt
€1.19M▼
2023 · €1.27M
Debt ≤ 1 year
€743k▲
2023 · €738k
Debt > 1 year
€449k▼
2023 · €475k
Income taxes
€7k▲
2023 · €714
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.48M€1.42M▼
Fixed assets21/28€26k€56k▲
Tangible fixed assets22/27€26k€56k▲
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€8k€40k▲
Other tangible fixed assets26-€2k
Current assets29/58€1.45M€1.36M▼
Stocks and contracts in progress3€247k€308k▲
Stocks30/36€242k€303k▲
Contracts in progress37€6k€6k=
Amounts receivable within one year40/41€578k€460k▼
Trade receivables40€566k€457k▼
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58€58k€25k▼
Deferred charges and accrued income490/1€567k€567k▲
Equity and liabilities
Total equity and liabilities10/49€1.48M€1.42M▼
Equity10/15€209k€224k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€187k€202k▲
Amounts payable17/49€1.27M€1.19M▼
Amounts payable after more than one year17€475k€449k▼
Financial debts170/4€475k€449k▼
Amounts payable within one year42/48€738k€743k▲
Current portion of amounts payable after more than one year42€590k€673k▲
Trade debts44€91k€11k▼
Suppliers440/4€91k€11k▼
Taxes, remuneration and social security45€54k€20k▼
Taxes450/3€54k€20k▼
Other amounts payable47/48€3k€40k▲
Accrued charges and deferred income492/3€53k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€15k▲
Other operating charges640/8€5k€17k▲
Gross operating margin9900€35k€86k▲
Operating profit (loss)9901€25k€53k▲
Financial income75/76B-€132
Recurring financial income75-€132
Financial charges65/66B€23k€31k▲
Recurring financial charges65€23k€31k▲
Profit (loss) for the period before taxes9903€3k€22k▲
Income taxes67/77€714€7k▲
Profit (loss) for the period9904€2k€15k▲
Profit (loss) for the period to be appropriated9905€2k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€187k€202k▲
Profit (loss) brought forward from the previous period14P€185k€187k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 85 days late
2023
31-12
Financial
Weakest financial yearnet €2k ▼91.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
04-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 126 days late
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 264 days late
2022
31-12
Financial
Highest result since 2018net €25k ▲91.1%
Operating result €67k, net result €25k, both a record.
31-12
Financial
Equity above €200kEq €207k ▲13.5%
5 profitable years in a row build equity to €207k.
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 255 days late
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 214 days late
2019
31-12
Financial
Equity above €150kEq €152k ▲10.4%
2 profitable years in a row build equity to €152k.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 87 days late
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 70 days late
2016
21-11
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 113 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 2000
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.
Jules Moretuslei 4242610 AntwerpenGround area
447 m²
Building footprint
111 m²
Volume, LiDAR
974 m³
Parcel 11051B0030/00N005, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VERAM
since 20002.100.889.643
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0030/00N005 | Flanders | 447 m² | 1 · 111 m² | 10.4 m · 3 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
Schrijn- en Dakwerken Rooms
BE 0783.289.648
Lokeren · Eq €224k
VDK Dakwerken
BE 0506.629.416
Antwerpen · Eq €224k
ENTREPRISE BELOT
BE 0847.315.883
Soignies · Eq €224k
LES COUVERTURES DASSONVILLE
BE 0540.876.552
Braine-l'Alleud · Eq €225k
MP CONSTRUCT
BE 0750.621.335
Verviers · Eq €225k
Of 11,050 companies in sector 43910 we hold annual accounts for 5,441. 4,409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2000
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
43910Bricklaying and masonry work
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.