VERAMTEX
ActiveVERAMTEX has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €265k and a net result of €186k. Equity is shrinking by ~33% per year across the filed fiscal years. Its solvency ranks better than 19% of 154 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+92
Solvency52▲+21
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.33 in 2024; short-term debt: 73.3% and cash: 5.6% of total assets), and 73.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 13
Relative position
BE, all sectors
reference
Sector 13
lower
← 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
26.7%
Return on assets
18.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 154 sector peers (2025).
NBB · sector comparisonPosition among 154 sector peers
Solvency
better than 19%
← weakest
strongest →
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
64 d early
2023
37 d early
2022
59 d early
2021
48 d early
2020
57 d early
2019
51 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€186k
2024 · €-277k
2018: €-93k
2019: €-907k
2020: €-1.11M
2021: €976k
2022: €355k
2023: €-1.62M
2024: €-277k
2018 → 2025
Working capital
€-199k▲ 74.7%
2024 · €-786k
2018: €-1.12M
2019: €-1.32M
2020: €-1.42M
2021: €-463k
2022: €-283k
2023: €-511k
2024: €-786k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.62M-€1.97M▲ 21.9%€356k▼ 81.9%€80k▼ 77.6%€265k▲ 232%
Operating result€82k-€363k▲ 345%€-223k€-273k▼ 22.3%€191k
Net result€976k-€355k▼ 63.6%€-1.62M€-277k▲ 82.9%€186k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €191k after a loss of €273k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €993k
Fixed assets
€465k▼ 46.3%
Current assets
€529k▲ 37.7%
Equity and liabilities €993k
Equity
€265k▲ 232%
Debt
€728k▼ 37.8%
The debt ratio falls from 93.6% to 73.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€192k▲
2024 · €-271k
Cash flow
€187k▲
2024 · €-275k
Solvency
26.7%▲
2024 · 6.4%
Current ratio
0.73▲
2024 · 0.33
Quick ratio
0.73▲
2024 · 0.33
Debt / equity
2.74▼
2024 · 14.65
ROE
69.9%▲
2024 · -346.5%
ROA
18.7%▲
2024 · -22.1%
Interest coverage
38.34▲
2024 · -68.10
Debt
€728k▼
2024 · €1.17M
Debt ≤ 1 year
€728k▼
2024 · €1.17M
Staff costs
€91k▲
2024 · €80k
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€1.25M€993k▼
Fixed assets21/28€866k€465k▼
Tangible fixed assets22/27€3k€2k▼
Land and buildings22€2k€1k▼
Furniture and vehicles24€1k€573▼
Financial fixed assets28€863k€463k▼
Current assets29/58€384k€529k▲
Amounts receivable within one year40/41€359k€469k▲
Trade receivables40€306k€414k▲
Other amounts receivable41€54k€55k▲
Cash at bank and in hand54/58€19k€56k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.25M€993k▼
Equity10/15€80k€265k▲
Contributions10/11€2.07M€2.07M=
Capital10€2.07M€2.07M=
Issued capital100€2.07M€2.07M=
Reserves13€64k€64k=
Non-distributable reserves130/1€64k€64k=
Legal reserve130€64k€64k=
Profit (loss) carried forward14€-2.05M€-1.87M▲
Amounts payable17/49€1.17M€728k▼
Amounts payable within one year42/48€1.17M€728k▼
Trade debts44€1.14M€558k▼
Suppliers440/4€1.14M€558k▼
Taxes, remuneration and social security45€33k€21k▼
Taxes450/3€18k€7k▼
Remuneration and social security454/9€14k€14k▼
Other amounts payable47/48-€149k
Income statement
Code20242025
Non-recurring operating income76A€11k-
Remuneration, social security and pensions62€80k€91k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€99k€94k▼
Gross operating margin9900€-93k€376k▲
Operating profit (loss)9901€-273k€191k▲
Financial income75/76B€100€400k▲
Recurring financial income75€100€0▼
Non-recurring financial income76B-€400k
Financial charges65/66B€4k€405k▲
Recurring financial charges65€4k€5k▲
Non-recurring financial charges66B-€400k
Profit (loss) for the period before taxes9903€-277k€186k▲
Profit (loss) for the period9904€-277k€186k▲
Profit (loss) for the period to be appropriated9905€-277k€186k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.05M€-1.87M▲
Profit (loss) brought forward from the previous period14P€-1.78M€-2.05M▼
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (10 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €186k
Net result €186k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €265k ▲232%
Equity rises from €80k to €265k.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-1.62M ▼556%
Net result drops to €-1.62M, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €976k
Net result €976k after 3 loss-making years.
31-12
Financial
Equity above €1MEq €1.62M ▲152%
Equity rises from €643k to €1.62M.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Brussel · 1 establishment unit since 1983
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.
Antoon van Osslaan 11120 BrusselGround area
1.2 ha
Building footprint
94 m²
Volume, LiDAR
5 m³
Parcel 21819A0099/00M012, Brussels · tallest building 0.9 m. Linked by address, not a title deed.
1 establishment unit
Antoon van Osslaan 1, 1120 Brussel
since 19832.024.332.293
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819A0099/00M012 | Brussels | 1.2 ha | 1 · 94 m² | 0.9 m |
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
Wood & Stitch
BE 0788.997.604
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TARDEL
BE 0418.754.641
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AVAK DECORATION
BE 0444.196.355
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Printcity
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SCREEN SERVICE
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Of 755 companies in sector 13300 we hold annual accounts for 160. 110 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-12-1983
Fiscal year end31-12
Activities, NACEBEL
13300Finishing of textiles
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.