Verbael
ActiveVerbael 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 €108k and a net result of €25k. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 2409 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
14 d early
2023
20 d late
2022
24 d late
2021
10 d late
2020
11 d late
← 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
€108k▼ 5.0%
2024 · €114k
2020: €20k
2021: €41k
2022: €63k
2023: €95k
2024: €114k
2020 → 2025
Net result
€25k▼ 25.3%
2024 · €33k
2020: €15k
2021: €21k
2022: €23k
2023: €33k
2024: €33k
2020 → 2025
Total assets
€133k▲ 14.1%
2024 · €116k
2020: €29k
2021: €52k
2022: €75k
2023: €101k
2024: €116k
2020 → 2025
Solvency
81.3%▼ 16.4pp
2024 · 97.6%
2020: 67.9%
2021: 77.6%
2022: 84.8%
2023: 94.1%
2024: 97.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€63k▲ 56.5%€95k▲ 50.4%€114k▲ 19.1%€108k▼ 5.0%
Operating result€29k-€32k▲ 11.3%€45k▲ 41.7%€41k▼ 9.5%€33k▼ 18.2%
Net result€21k-€23k▲ 10.5%€33k▲ 43.0%€33k▲ 1.3%€25k▼ 25.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€19k▲ 100%
Current assets
€114k▲ 6.6%
Equity and liabilities €133k
Equity
€108k▼ 5.0%
Debt
€25k▲ 805%
The debt ratio rises from 2.4% to 18.7%: debt grows while equity shrinks.
Key figures and ratios
Solvency
81.3%▼
2024 · 97.6%
ROE
23.0%▼
2024 · 29.2%
ROA
18.7%▼
2024 · 28.5%
Debt
€25k▲
2024 · €3k
Debt ≤ 1 year
€25k▲
2024 · €3k
Income taxes
€8k▼
2024 · €9k
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€116k€133k▲
Fixed assets21/28€9k€19k▲
Financial fixed assets28€9k€19k▲
Current assets29/58€107k€114k▲
Amounts receivable within one year40/41€28k€58k▲
Trade receivables40€28k€30k▲
Other amounts receivable41-€28k
Cash at bank and in hand54/58€79k€56k▼
Equity and liabilities
Total equity and liabilities10/49€116k€133k▲
Equity10/15€114k€108k▼
Contributions10/11€5k€5k=
Reserves13€90k€90k=
Distributable reserves133€90k€90k=
Profit (loss) carried forward14€18k€13k▼
Amounts payable17/49€3k€25k▲
Amounts payable within one year42/48€3k€25k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€274€28▼
Taxes450/3€274€28▼
Other amounts payable47/48€2k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€2k€5k▲
Gross operating margin9900€43k€38k▼
Operating profit (loss)9901€41k€33k▼
Financial income75/76B€1k€684▼
Recurring financial income75€1k€684▼
Financial charges65/66B€123€2k▲
Recurring financial charges65€123€2k▲
Profit (loss) for the period before taxes9903€42k€33k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€33k€25k▼
Profit (loss) for the period to be appropriated9905€33k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€43k▲
Profit (loss) brought forward from the previous period14P€153€18k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€15k€31k▲
Return on contributions (dividend)694€15k€31k▲
The notes to these accounts (8 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €33k ▲1.3%
Net result €33k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 38.94
Current ratio from 16.82 to 38.94; short-term debt falls from €6k to €3k.
31-12
Financial
Equity above €100kEq €114k ▲19.1%
5 profitable years in a row build equity to €114k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 16.82
Current ratio from 6.58 to 16.82; short-term debt falls from €11k to €6k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2020
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.
Hof ter Rijen 522070 Beveren-Kruibeke-ZwijndrechtGround area
559 m²
Building footprint
102 m²
Volume, LiDAR
634 m³
Parcel 11056A0316/00F002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Verbael
since 20202.302.032.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056A0316/00F002 | Flanders | 559 m² | 1 · 102 m² | 9.5 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.
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Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 2,721 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2020
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.