Verba-Projects
ActiveVerba-Projects has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-2k. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 23% of 4467 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency41=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 5.44 against 3.27 in 2024), but 88.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.7%
Return on assets
-0.8%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€2k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 4467 sector peers (2025).
NBB · sector comparisonPosition among 4467 sector peers
Solvency
better than 23%
← 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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
55 d early
2023
30 d early
2022
21 d early
2021
52 d early
2020
25 d early
2019
58 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 6.7%
2024 · €35k
2019: €38k
2020: €58k
2021: €70k
2022: €74k
2023: €53k
2024: €35k
2019 → 2025
Total assets
€281k▼ 8.7%
2024 · €308k
2019: €83k
2020: €188k
2021: €133k
2022: €348k
2023: €338k
2024: €308k
2019 → 2025
Net result
€-2k▲ 87.2%
2024 · €-18k
2019: €14k
2020: €15k
2021: €12k
2022: €4k
2023: €-21k
2024: €-18k
2019 → 2025
Working capital
€85k▲ 39.8%
2024 · €61k
2019: €-6k
2020: €-44k
2021: €18k
2022: €-153k
2023: €-150k
2024: €61k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€74k▲ 5.4%€53k▼ 27.8%€35k▼ 34.2%€33k▼ 6.7%
Operating result€16k-€10k▼ 36.8%€-6k€2k€-1k
Net result€12k-€4k▼ 67.5%€-21k€-18k▲ 11.2%€-2k▲ 87.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€177k▼ 19.7%
Current assets
€104k▲ 18.9%
Equity and liabilities €281k
Equity
€33k▼ 6.7%
Debt
€248k▼ 9.0%
The debt ratio falls from 88.6% to 88.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€35k▲
2024 · €22k
Cash flow
€34k▲
2024 · €2k
Solvency
11.7%▲
2024 · 11.4%
Current ratio
5.44▲
2024 · 3.27
Quick ratio
5.44▲
2024 · 3.14
Debt / equity
7.57▼
2024 · 7.77
ROE
-7.1%▲
2024 · -51.9%
ROA
-0.8%▲
2024 · -5.9%
Interest coverage
52.17▲
2024 · 1.12
Debt
€248k▼
2024 · €273k
Debt ≤ 1 year
€19k▼
2024 · €27k
Debt > 1 year
€229k▼
2024 · €232k
Income taxes
€277▼
2024 · €280
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€308k€281k▼
Fixed assets21/28€220k€177k▼
Tangible fixed assets22/27€220k€177k▼
Land and buildings22€126k€119k▼
Plant, machinery and equipment23€92k€57k▼
Furniture and vehicles24€2k€0▼
Leasing and similar rights25€0-
Current assets29/58€88k€104k▲
Stocks and contracts in progress3€4k€0▼
Stocks30/36€4k€0▼
Amounts receivable within one year40/41€10k€34k▲
Trade receivables40€9k€34k▲
Other amounts receivable41€390€113▼
Cash at bank and in hand54/58€72k€67k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€308k€281k▼
Equity10/15€35k€33k▼
Contributions10/11€12k€12k=
Reserves13€60k€60k=
Distributable reserves133€60k€60k=
Profit (loss) carried forward14€-38k€-40k▼
Amounts payable17/49€273k€248k▼
Amounts payable after more than one year17€232k€229k▼
Financial debts170/4€22k€19k▼
Other amounts payable178/9€210k€210k=
Amounts payable within one year42/48€27k€19k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€781€2k▲
Suppliers440/4€781€2k▲
Taxes, remuneration and social security45€13k€7k▼
Taxes450/3€10k€7k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€10k€7k▼
Accrued charges and deferred income492/3€14k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€36k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€121€0▼
Other operating charges640/8€824€2k▲
Gross operating margin9900€23k€37k▲
Operating profit (loss)9901€2k€-1k▼
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€20k€661▼
Recurring financial charges65€20k€661▼
Profit (loss) for the period before taxes9903€-18k€-2k▲
Income taxes67/77€280€277▼
Profit (loss) for the period9904€-18k€-2k▲
Profit (loss) for the period to be appropriated9905€-18k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-40k▼
Profit (loss) brought forward from the previous period14P€-19k€-38k▼
Transfer from equity791/2€0-
The notes to these accounts (9 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 8current ratio 3.27
Current ratio from 0.40 to 3.27; short-term debt falls from €250k to €27k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-21k ▼641%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
10-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 1.29
Current ratio from 0.50 to 1.29; short-term debt falls from €87k to €61k.
06-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €15k ▲4.7%
Net result €15k, the highest in the series.
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
06-12
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.
Directors · office · real estate
Directors
2 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, Anzegem · 1 establishment unit since 2000
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.
Zwevegemstraat 198570 AnzegemGround area
3,271 m²
Building footprint
392 m²
Volume, LiDAR
1,835 m³
Parcel 34018C0844/00H000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Verba-Projects
since 20002.097.205.425
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34018C0844/00H000 | Flanders | 3,271 m² | 1 · 392 m² | 8.3 m · 2 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.
Similar companies · same sector, comparable size
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SLOW-DRIVE
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VERTUOSE
BE 0811.234.358
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SYTRA
BE 0439.677.244
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DAS SERVICES
BE 0691.559.322
Elsene · Eq €33k
Of 12,446 companies in sector 49410 we hold annual accounts for 8,086. 5,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2000
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
38219Waste collection, recovery and disposal activities
38330Waste collection, recovery and disposal activities
52249Warehousing and support activities for transportation
63112
90021
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.