VERAMO
ActiveSummary
VERAMO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €892k and a net result of €145k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 64% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+2
Solvency95▲+3
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.84 in 2024; short-term debt: 23.3% and cash: 15.4% of total assets), and 30% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
70%
Return on assets
11.4%
Age of the figures
9 mo
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 · 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 €892k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
27 d late
2023
48 d late
2022
59 d late
2021
50 d late
2020
55 d late
2019
42 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€892k▲ 7.6%
2024 · €829k
2018: €1.00M
2019: €1.14M
2020: €1.11M
2021: €1.05M
2022: €876k
2023: €796k
2024: €829k
2018 → 2025
Total assets
€1.27M▲ 2.4%
2024 · €1.24M
2018: €1.17M
2019: €1.55M
2020: €1.34M
2021: €1.27M
2022: €1.14M
2023: €1.18M
2024: €1.24M
2018 → 2025
Net result
€145k▲ 20.0%
2024 · €121k
2018: €132k
2019: €135k
2020: €119k
2021: €104k
2022: €59k
2023: €89k
2024: €121k
2018 → 2025
Working capital
€8k
2024 · €-53k
2018: €396k
2019: €325k
2020: €174k
2021: €112k
2022: €-22k
2023: €-143k
2024: €-53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.05M-€876k▼ 16.5%€796k▼ 9.1%€829k▲ 4.0%€892k▲ 7.6%
Operating result€149k-€146k▼ 1.6%€145k▼ 1.1%€184k▲ 27.4%€216k▲ 17.2%
Net result€104k-€59k▼ 43.7%€89k▲ 51.6%€121k▲ 36.2%€145k▲ 20.0%
Turnover and EBIT margin not published: the 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 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€970k ▼ 0.5%
Current assets
€305k ▲ 13.0%
Equity and liabilities €1.27M
Equity
€892k ▲ 7.6%
Debt
€383k ▼ 8.0%
Debt's share of the balance-sheet total falls from 33.4% to 30.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€300k▲
2024 · €259k
Cash flow
€229k▲
2024 · €196k
Current ratio
1.03▲
2024 · 0.84
Debt to equity
0.43▼
2024 · 0.50
ROE
16.3%▲
2024 · 14.6%
ROA
11.4%▲
2024 · 9.7%
Interest coverage
85.64▲
2024 · 50.70
Debt ≤ 1 year
€297k▼
2024 · €323k
Debt > 1 year
€84k▼
2024 · €91k
Income taxes
€69k▲
2024 · €59k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.24M€1.27M▲
Fixed assets21/28€974k€970k▼
Tangible fixed assets22/27€974k€970k▼
Land and buildings22€796k€762k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€23k€72k▲
Other tangible fixed assets26€153k€133k▼
Current assets29/58€270k€305k▲
Amounts receivable within one year40/41€42k€56k▲
Trade receivables40€42k€50k▲
Other amounts receivable41-€6k
Current investments50/53€10k€51k▲
Cash at bank and in hand54/58€217k€197k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.27M▲
Equity10/15€829k€892k▲
Contributions10/11€19k€19k=
Reserves13€810k€873k▲
Tax-exempt reserves132€29k€29k=
Distributable reserves133€781k€844k▲
Amounts payable17/49€416k€383k▼
Amounts payable after more than one year17€91k€84k▼
Financial debts170/4€91k€84k▼
Amounts payable within one year42/48€323k€297k▼
Current portion of amounts payable after more than one year42€7k€7k=
Trade debts44€11k€4k▼
Suppliers440/4€11k€4k▼
Taxes, remuneration and social security45€60k€42k▼
Taxes450/3€55k€37k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€246k€243k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€84k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€264k€305k▲
Operating profit (loss)9901€184k€216k▲
Financial income75/76B€298€1k▲
Recurring financial income75€298€1k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€180k€214k▲
Income taxes67/77€59k€69k▲
Profit (loss) for the period9904€121k€145k▲
Profit (loss) for the period to be appropriated9905€121k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€145k▲
Transfer from equity791/2€89k€82k▼
Transfer to equity691/2€121k€145k▲
To other reserves6921€121k€145k▲
Profit to be distributed694/7€89k€82k▼
Return on contributions (dividend)694€89k€82k▼
The notes to these accounts (7 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Highest result since 2018net €145k ▲20%
Operating result €216k, net result €145k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €59k ▼43.7%
Net result drops to €59k, the lowest in the series; recovery starts the following year.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 55 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
03-06
State Gazette act
Board meeting · Director resignation
Permanent representative
2013
17-09
State Gazette act
Board meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Zwevegem · 1 establishment unit since 2009
Ground area
4,141 m²
Building footprint
209 m²
Volume, LiDAR
1,235 m³
Parcel 34030A0078/00C000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERAMO
since 20092.182.066.864
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34030A0078/00C000 | Flanders | 4,141 m² | 1 · 209 m² | 10.1 m · 2 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Recognitions · licences · registrations
Legal Entity Identifier
875500TQ03ATWANNG693
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 768 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
46412Wholesale of household textiles and bedding
46423Wholesale of clothing, excluding workwear and underwear
46471Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.