VERASSFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €191k and a net result of €21k. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 2430 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 €191k
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
17 d early
2023
57 d early
2022
24 d early
2021
32 d early
2020
85 d early
2019
28 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, micro schema
Equity
€191k▲ 8.8%
2024 · €175k
2018: €272k
2019: €241k
2020: €256k
2021: €195k
2022: €171k
2023: €151k
2024: €175k
2018 → 2025
Net result
€21k▼ 49.8%
2024 · €43k
2018: €19k
2019: €6k
2020: €30k
2021: €4k
2022: €18k
2023: €-2k
2024: €43k
2018 → 2025
Total assets
€854k▼ 2.5%
2024 · €876k
2018: €477k
2019: €461k
2020: €464k
2021: €1.07M
2022: €993k
2023: €922k
2024: €876k
2018 → 2025
Solvency
22.3%▲ 2.3pp
2024 · 20.0%
2018: 57.0%
2019: 52.3%
2020: 55.1%
2021: 18.2%
2022: 17.2%
2023: 16.4%
2024: 20.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€195k-€171k▼ 12.5%€151k▼ 11.7%€175k▲ 16.0%€191k▲ 8.8%
Operating result€14k-€42k▲ 192%€15k▼ 64.7%€72k▲ 386%€44k▼ 39.7%
Net result€4k-€18k▲ 350%€-2k€43k€21k▼ 49.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €854k
Fixed assets
€418k▼ 14.9%
Current assets
€436k▲ 13.5%
Equity and liabilities €854k
Equity
€191k▲ 8.8%
Debt
€663k▼ 5.3%
The debt ratio falls from 80.0% to 77.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
22.3%▲
2024 · 20.0%
ROE
11.3%▼
2024 · 24.4%
ROA
2.5%▼
2024 · 4.9%
Debt
€663k▼
2024 · €700k
Debt ≤ 1 year
€329k▲
2024 · €293k
Debt > 1 year
€334k▼
2024 · €401k
Income taxes
€16k▼
2024 · €21k
Staff costs
€193k▲
2024 · €185k
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€876k€854k▼
Fixed assets21/28€491k€418k▼
Intangible fixed assets21€456k€388k▼
Tangible fixed assets22/27€36k€30k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€14k€12k▼
Other tangible fixed assets26€19k€16k▼
Current assets29/58€384k€436k▲
Amounts receivable after more than one year29€50€50=
Trade receivables290€50€50=
Amounts receivable within one year40/41€19k€19k▲
Other amounts receivable41€19k€19k▲
Cash at bank and in hand54/58€364k€415k▲
Deferred charges and accrued income490/1€787€1k▲
Equity and liabilities
Total equity and liabilities10/49€876k€854k▼
Equity10/15€175k€191k▲
Contributions10/11€25k€25k=
Reserves13€127k€142k▲
Tax-exempt reserves132€9k€9k=
Distributable reserves133€118k€133k▲
Profit (loss) carried forward14€23k€23k=
Amounts payable17/49€700k€663k▼
Amounts payable after more than one year17€401k€334k▼
Financial debts170/4€401k€334k▼
Amounts payable within one year42/48€293k€329k▲
Current portion of amounts payable after more than one year42€66k€67k▲
Trade debts44€50k€34k▼
Suppliers440/4€16k€5k▼
Bills of exchange payable441€34k€29k▼
Advances received on contracts in progress46€158k€204k▲
Taxes, remuneration and social security45€19k€24k▲
Remuneration and social security454/9€19k€24k▲
Other amounts payable47/48€64€64=
Accrued charges and deferred income492/3€6k€369▼
Income statement
Code20242025
Non-recurring operating income76A€7k€182▼
Remuneration, social security and pensions62€185k€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130k€79k▼
Other operating charges640/8€11k€10k▼
Gross operating margin9900€399k€325k▼
Operating profit (loss)9901€72k€44k▼
Financial income75/76B€672€1k▲
Recurring financial income75€672€1k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€7k▼
Non-recurring financial charges66B€173€189▲
Profit (loss) for the period before taxes9903€64k€37k▼
Income taxes67/77€21k€16k▼
Profit (loss) for the period9904€43k€21k▼
Profit (loss) for the period to be appropriated9905€43k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€45k▼
Profit (loss) brought forward from the previous period14P€23k€23k=
Transfer from equity791/2€19k€6k▼
Transfer to equity691/2€43k€21k▼
To other reserves6921€43k€21k▼
Profit to be distributed694/7€19k€6k▼
Return on contributions (dividend)694€19k€6k▼
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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Evere · 1 establishment unit since 1988
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.
Henry Dunantlaan 231140 EvereGround area
1,953 m²
Building footprint
497 m²
Volume, LiDAR
12,053 m³
Parcel 21372D0088/00R002, Brussels · tallest building 27.4 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
VERASSFIN
since 19882.039.039.968
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0088/00R002 | Brussels | 1,953 m² | 1 · 497 m² | 27.4 m · 8 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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-1988
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 37 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.
Contact details
2 entriesWebsite:www.verassfin.be/nl-be
E-mail:verassfin@verassfin-nv.be