Summary
Bankruptcy probability (12 mo)
Timeline
What happened to this company, by date
State Gazette, CBE and NBB in one seriesfiscal year 2026 expected by 31-01-2027
2026
29-01-2026 NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-01-2025 NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01-2024 NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
16-12-2022 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
06-01-2022 NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-01-2021 NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-01-2020 NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12-2018 NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
23-01-2018 NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
21-12-2016 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financials
Equity€126k+8.7%
Total assets€241k+92.1%
Net result€10k-48.7%
Working capital€55k-33.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Figures by fiscal year
Source: NBB · 2025Annual accounts filed on 29-01-2026 with the NBB · fiscal year 2025 · abbreviated schema
€15k
-
24-25
€10k
-48.7%
24-25
€10k
-
24-25
€241k
+92.1%
24-25
€126k
+8.7%
24-25
€55k
-33.4%
24-25
€3k
-40.1%
24-25
€115k
+1087.2%
24-25
€21k
+114.8%
24-25
€93k
-
24-25
3.61
-61.7%
24-25
3.61
-61.7%
24-25
52.2%
-43.4%
24-25
0.92
+992.2%
24-25
8.0%
-52.9%
24-25
4.2%
-73.3%
24-25
6.97
-
24-25
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | abbreviated schema |
| Revenue | - |
| EBITDA | €15k |
| Net profit | €10k |
| Cash flow | €10k |
| Staff costs | - |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €241k |
| Equity | €126k |
| Debt | €115k |
| of which ≤ 1y | €21k |
| of which > 1y | €93k |
| Working capital | €55k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 3.61 |
| Quick ratio | 3.61 |
| Working capital ratio | 22.6% |
| Solvency | 52.2% |
| Debt / equity | 0.92 |
| Long-term debt ratio | 0.73 |
| Interest coverage | 6.97 |
| Gross margin | - |
| Net margin | - |
| ROA | 4.2% |
| ROE | 8.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €241k |
| Fixed assets | 21/28 | €166k |
| Tangible fixed assets | 22/27 | €166k |
| Current assets | 29/58 | €75k |
| Amounts receivable within one year | 40/41 | €8k |
| Investments | 50/53 | €51k |
| Cash & bank | 54/58 | €16k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €241k |
| Equity | 10/15 | €126k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €107k |
| Amounts payable | 17/49 | €115k |
| Amounts payable after one year | 17 | €93k |
| Amounts payable within one year | 42/48 | €21k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €15k |
| Operating result | 9901 | €15k |
| Financial income | 75 | €726 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €13k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €10k |
| Result to be appropriated | 9905 | €10k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Signals
Signals
Gazette, CBE, filings and accounts in one listLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
Long-established
Founded in 1976, 49 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
No strikeouts found in the KBO publications · how complete this is
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Filing history by fiscal year and how the deadline is computed
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 29-01-2026 | 2 d early | 2026-00023525 |
| 30-06-2024 | 31-01-2025 | 27-01-2025 | 4 d early | 2025-00011239 |
| 30-06-2023 | 31-01-2024 | 30-01-2024 | 1 d early | 2024-00018693 |
| 30-06-2022 | 31-01-2023 | 16-12-2022 | 46 d early | 2022-20542854 |
| 30-06-2021 | 31-01-2022 | 06-01-2022 | 25 d early | 2022-00600125 |
| 30-06-2020 | 31-01-2021 | 28-01-2021 | 3 d early | 2021-02300555 |
| 30-06-2019 | 31-01-2020 | 28-01-2020 | 3 d early | 2020-02600227 |
| 30-06-2018 | 31-01-2019 | 19-12-2018 | 43 d early | 2018-74800325 |
| 30-06-2017 | 31-01-2018 | 23-01-2018 | 8 d early | 2018-02200106 |
| 30-06-2016 | 31-01-2017 | 21-12-2016 | 41 d early | 2016-71000120 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Binnensingel 443920 LommelEstablishment units
1 locationBinnensingel 44, 3920 Lommel
since 19762.012.713.376
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area505 m²
Buildings1
Building footprint505 m²
Volume (LiDAR)7,102 m³
Tallest building16.4 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0707/00B002 | Flanders | 505 m² | 1 · 505 m² | 16.4 m · 5 fl. |
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.
Publications
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameNL | VERANI |
Registered office
Binnensingel 44
3920 Lommel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.