VERBA
ActiveSummary
VERBA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €285,558 and a net result of €161,997. Equity is growing by ~15.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+58
Solvency100▲+18
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 18.42 against 2.33 in 2024; short-term debt: 5.2% and cash: 30.1% of total assets), and 18.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
81.2%
Return on assets
46.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-11-2025, 178 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
178 d early
2024
138 d early
2023
133 d early
2022
138 d early
2021
131 d early
2020
144 d early
2019
139 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 143 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€285,558▲ 31.0%
2024 · €217,910
Total assets
€351,608▼ 8.7%
2024 · €384,951
Net result
€161,997
2024 · -€20,528
Working capital
€318,315▲ 872%
2024 · €32,760
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€52,045▲ 1.6%€52,231▲ 0.4%€57,114▲ 9.3%-€14,584€210,947
Net result€30,727▲ 8.2%€29,950▼ 2.5%€31,760▲ 6.0%-€20,528€161,997
Equity€176,727▲ 21.0%€206,678▲ 16.9%€238,438▲ 15.4%€217,910▼ 8.6%€285,558▲ 31.0%
Total assets€518,054▼ 6.1%€498,067▼ 3.9%€439,327▼ 11.8%€384,951▼ 12.4%€351,608▼ 8.7%
Debt€341,326▼ 15.9%€291,389▼ 14.6%€200,889▼ 31.1%€167,042▼ 16.8%€18,943▼ 88.7%
Working capital-€38,338▲ 35.5%-€23,866▲ 37.7%€18,984€32,760▲ 72.6%€318,315▲ 872%
Staff (FTE)0
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €210,947 after a loss of €14,584 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €351,608
Fixed assets
€15,015 ▼ 95.4%
Current assets
€336,593 ▲ 487%
Equity and liabilities €351,608
Equity
€285,558 ▲ 31.0%
Provisions
€47,108
Debt
€18,943 ▼ 88.7%
Debt's share of the balance-sheet total falls from 43.4% to 5.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€213,328▲
2024 · €19,837
Cash flow
€164,379▲
2024 · €13,893
Current ratio
18.42▲
2024 · 2.33
Debt to equity
0.07▼
2024 · 0.77
ROE
56.7%▲
2024 · -9.4%
ROA
46.1%▲
2024 · -5.3%
Interest coverage
87.55▲
2024 · 3.63
Debt ≤ 1 year
€18,278▼
2024 · €24,596
Debt > 1 year
€0▼
2024 · €142,000
Income taxes
€5,712▲
2024 · €472
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €66,000 | €0 | €188,430 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36,070 | €34,353 | €34,421 | €34,421 | €2,381 | ▼ 93.1% |
| Other operating charges640/8 | - | €2,914 | €2,195 | €2,069 | €1,191 | ▼ 42.5% |
| Gross operating margin9900 | €91,059 | €89,498 | €93,731 | €21,907 | €214,519 | ▲ 879% |
| Operating profit (loss)9901 | €52,045 | €52,231 | €57,114 | -€14,584 | €210,947 | ▲ 1,546% |
| Financial income75/76B | - | - | €27 | €0 | €6,307 | - |
| Recurring financial income75 | €6 | - | €27 | €0 | €6,307 | - |
| Financial charges65/66B | - | €5,291 | €6,855 | €5,472 | €2,437 | ▼ 55.5% |
| Recurring financial charges65 | €5,421 | €5,291 | €6,855 | €5,472 | €2,437 | ▼ 55.5% |
| Profit (loss) for the period before taxes9903 | €46,630 | €46,941 | €50,286 | -€20,056 | €214,817 | ▲ 1,171% |
| Transfer to deferred taxes680 | - | - | - | - | €47,108 | - |
| Income taxes67/77 | €15,903 | €16,990 | €18,526 | €472 | €5,712 | ▲ 1,110% |
| Profit (loss) for the period9904 | €30,727 | €29,950 | €31,760 | -€20,528 | €161,997 | ▲ 889% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €141,323 | - |
| Profit (loss) for the period to be appropriated9905 | €30,727 | €29,950 | €31,760 | -€20,528 | €20,675 | ▲ 201% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €518,054 | €498,067 | €439,327 | €384,951 | €351,608 | ▼ 8.7% |
| Fixed assets21/28 | €428,991 | €396,438 | €362,016 | €327,595 | €15,015 | ▼ 95.4% |
| Tangible fixed assets22/27 | €428,991 | €396,438 | €362,016 | €327,595 | €15,015 | ▼ 95.4% |
| Land and buildings22 | - | €375,644 | €351,107 | €326,570 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €20,794 | €10,909 | €1,025 | €15,015 | ▲ 1,365% |
| Current assets29/58 | €89,063 | €101,629 | €77,311 | €57,356 | €336,593 | ▲ 487% |
| Stocks and contracts in progress3 | €479 | €386 | €0 | - | - | - |
| Stocks30/36 | - | €386 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €52,194 | €50,139 | €3,474 | €17,836 | €54,247 | ▲ 204% |
| Trade receivables40 | - | €50,139 | €0 | €6,308 | €7,765 | ▲ 23.1% |
| Other amounts receivable41 | - | - | €3,474 | €11,528 | €46,482 | ▲ 303% |
| Current investments50/53 | - | - | - | - | €175,000 | - |
| Cash at bank and in hand54/58 | €33,570 | €48,363 | €70,267 | €37,769 | €105,856 | ▲ 180% |
| Deferred charges and accrued income490/1 | - | €2,741 | €3,569 | €1,751 | €1,490 | ▼ 14.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €518,054 | €498,067 | €439,327 | €384,951 | €351,608 | ▼ 8.7% |
| Equity10/15 | €176,727 | €206,678 | €238,438 | €217,910 | €285,558 | ▲ 31.0% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €158,127 | €188,078 | €219,838 | €216,374 | €266,958 | ▲ 23.4% |
| Tax-exempt reserves132 | - | €1,178 | €1,178 | €1,178 | €142,501 | ▲ 11,994% |
| Distributable reserves133 | - | €186,899 | €218,660 | €215,195 | €124,457 | ▼ 42.2% |
| Profit (loss) carried forward14 | - | - | - | -€17,064 | €0 | ▲ 100% |
| Provisions and deferred taxes16 | - | - | - | - | €47,108 | - |
| Deferred taxes168 | - | - | - | - | €47,108 | - |
| Amounts payable17/49 | €341,326 | €291,389 | €200,889 | €167,042 | €18,943 | ▼ 88.7% |
| Amounts payable after more than one year17 | €212,313 | €165,438 | €142,000 | €142,000 | €0 | ▼ 100% |
| Financial debts170/4 | - | €23,438 | €0 | - | - | - |
| Other amounts payable178/9 | - | €142,000 | €142,000 | €142,000 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €127,401 | €125,495 | €58,327 | €24,596 | €18,278 | ▼ 25.7% |
| Current portion of amounts payable after more than one year42 | - | €46,875 | €23,438 | €0 | - | - |
| Trade debts44 | €43,542 | €43,548 | €6,837 | €301 | €289 | ▼ 3.9% |
| Suppliers440/4 | - | €43,548 | €6,837 | €301 | €289 | ▼ 3.9% |
| Taxes, remuneration and social security45 | - | €2,363 | €446 | €0 | - | - |
| Taxes450/3 | - | €2,363 | €446 | €0 | - | - |
| Other amounts payable47/48 | - | €32,710 | €27,606 | €24,295 | €17,989 | ▼ 26.0% |
| Accrued charges and deferred income492/3 | - | €456 | €563 | €445 | €664 | ▲ 49.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,727 | €29,950 | €31,760 | -€20,528 | €161,997 | ▲ 889% |
| + Depreciation and write-downs630 | €36,070 | €34,353 | €34,421 | €34,421 | €2,381 | ▼ 93.1% |
| Operating cash flow (approximation) | €66,797 | €64,303 | €66,182 | €13,893 | €164,379 | ▲ 1,083% |
| Investment in fixed assets (approximation) | - | -€1,800 | €0 | €0 | €310,198 | - |
| Change in cash | - | €14,792 | €21,905 | -€32,499 | €68,088 | ▲ 310% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Back to profitnet €161,997
Net result €161,997 after one loss-making year.
30-09
Financial
Liquidity times 8current ratio 18.42
Current ratio from 2.33 to 18.42; short-term debt falls from €24,596 to €18,278.
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Weakest financial yearnet -€20,528
Net result drops to -€20,528, the lowest in the series; recovery starts the following year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-09
Financial
Equity above €200,000Eq €206,678 ▲16.9%
5 profitable years in a row build equity to €206,678.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-09
Financial
Equity above €150,000Eq €176,727 ▲21%
4 profitable years in a row build equity to €176,727.
2020
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
30-09
Financial
Equity above €100,000Eq €117,591 ▲40.1%
2 profitable years in a row build equity to €117,591.
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Houthulst · 1 establishment unit since 2003
Ground area
1,011 m²
Building footprint
205 m²
Parcel 32015A0878/00P002, Flanders. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Kouterstraat 108, 8650 Houthulst
since 20032.182.732.897
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32015A0878/00P002 | Flanders | 1,011 m² | 1 · 205 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded11-07-2003
Fiscal year end30-09
Scores and ratios are computed by Checked and are not a credit decision.