VERBA
ActiveSummary
VERBA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €325k and a net result of €10k. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-20
Solvency67▼-33
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.78 against 4.05 in 2024; short-term debt: 9% and cash: 6.9% of total assets), but 57.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
42.4%
Return on assets
1.3%
Age of the figures
9 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
1 d early
2023
6 d early
2022
40 d early
2021
25 d late
2020
28 d late
2019
61 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
€325k▼ 4.2%
2024 · €340k
2018: €93k
2019: €102k
2020: €150k
2021: €209k
2022: €273k
2023: €287k
2024: €340k
2018 → 2025
Total assets
€768k▲ 91.6%
2024 · €401k
2018: €230k
2019: €221k
2020: €242k
2021: €284k
2022: €323k
2023: €325k
2024: €401k
2018 → 2025
Net result
€10k▼ 85.0%
2024 · €67k
2018: €15k
2019: €9k
2020: €47k
2021: €69k
2022: €63k
2023: €51k
2024: €67k
2018 → 2025
Working capital
€123k▼ 34.1%
2024 · €187k
2018: €-11k
2019: €-14k
2020: €26k
2021: €40k
2022: €114k
2023: €141k
2024: €187k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€209k-€273k▲ 30.3%€287k▲ 5.4%€340k▲ 18.2%€325k▼ 4.2%
Operating result€97k-€95k▼ 3.0%€74k▼ 21.5%€105k▲ 41.2%€16k▼ 84.3%
Net result€69k-€63k▼ 7.5%€51k▼ 20.2%€67k▲ 32.5%€10k▼ 85.0%
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 84% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €768k
Fixed assets
€576k ▲ 277%
Current assets
€192k ▼ 22.5%
Equity and liabilities €768k
Equity
€325k ▼ 4.2%
Debt
€442k ▲ 623%
Debt's share of the balance-sheet total rises from 15.3% to 57.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€118k▼
2024 · €140k
Cash flow
€112k▲
2024 · €102k
Current ratio
2.78▼
2024 · 4.05
Quick ratio
2.22▼
2024 · 3.42
Debt to equity
1.36▲
2024 · 0.18
ROE
3.1%▼
2024 · 19.7%
ROA
1.3%▼
2024 · 16.7%
Interest coverage
58.17▼
2024 · 76.97
Debt ≤ 1 year
€69k▲
2024 · €61k
Debt > 1 year
€373k▲
2024 · €0
Income taxes
€8k▼
2024 · €38k
Staff costs
€0▼
2024 · €803
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€401k€768k▲
Fixed assets21/28€153k€576k▲
Intangible fixed assets21€5k€6k▲
Tangible fixed assets22/27€147k€569k▲
Land and buildings22-€450k
Plant, machinery and equipment23€49k€42k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€93k€73k▼
Financial fixed assets28€900€900=
Current assets29/58€248k€192k▼
Stocks and contracts in progress3€39k€39k=
Stocks30/36€39k€39k=
Amounts receivable within one year40/41€54k€65k▲
Trade receivables40€33k€38k▲
Other amounts receivable41€21k€27k▲
Current investments50/53€116k€31k▼
Cash at bank and in hand54/58€31k€53k▲
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€401k€768k▲
Equity10/15€340k€325k▼
Contributions10/11€24k€24k=
Reserves13€316k€302k▼
Distributable reserves133€316k€302k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€61k€442k▲
Amounts payable after more than one year17€0€373k▲
Financial debts170/4€0€373k▲
Amounts payable within one year42/48€61k€69k▲
Current portion of amounts payable after more than one year42€848€27k▲
Trade debts44€19k€9k▼
Suppliers440/4€19k€9k▼
Taxes, remuneration and social security45€32k€15k▼
Taxes450/3€32k€15k▼
Other amounts payable47/48€9k€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€803€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€102k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A-€198
Gross operating margin9900€143k€122k▼
Operating profit (loss)9901€105k€16k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€105k€18k▼
Income taxes67/77€38k€8k▼
Profit (loss) for the period9904€67k€10k▼
Profit (loss) for the period to be appropriated9905€67k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€10k▼
Transfer from equity791/2€15k€24k▲
Transfer to equity691/2€67k€10k▼
To other reserves6921€67k€10k▼
Profit to be distributed694/7€15k€24k▲
Return on contributions (dividend)694€15k€24k▲
The notes to these accounts (19 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.55
Current ratio from 1.53 to 3.55; short-term debt falls from €75k to €45k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €69k ▲45%
Net result €69k, the highest in the series.
31-12
Financial
Equity above €200kEq €209k ▲39.8%
4 profitable years in a row build equity to €209k.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €9k ▼37.4%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €102k ▲10.1%
2 profitable years in a row build equity to €102k.
Show earlier events
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lokeren · 1 establishment unit since 1995
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.
Krommestraat 2B9160 LokerenGround area
4,572 m²
Building footprint
426 m²
Volume, LiDAR
1,886 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE OUDE HOEVE
since 19952.072.453.104
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0064/00F000 | Flanders | 3,554 m² | 1 · 278 m² | 8.5 m · 1 fl. |
| 46014A0064/00H000 | Flanders | 1,018 m² | 1 · 148 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 279 EUR awarded · 279 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 105 EUR | 105 EUR |
| 2022 | 1 | 174 EUR | 174 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLokeren2.072.453.104
Legal Entity Identifier
2549009YQXS8H34IV783
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Of 12,686 companies in sector 86951 we hold annual accounts for 2,142. 1,363 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
Founded03-07-1995
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
47251Retail sale of wines and spirits
77225Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.