Verbalex
ActiveSummary
Verbalex has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-2k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+3
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 7.76 against 2.12 in 2024; short-term debt: 7.6% and cash: 44% of total assets), and 7.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
92.4%
Return on assets
-5%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
61 d late
2022
on the day
2021
1 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
€29k▼ 5.1%
2024 · €31k
2021: €12k
2022: €24k
2023: €34k
2024: €31k
2021 → 2025
Total assets
€32k▼ 22.7%
2024 · €41k
2021: €25k
2022: €41k
2023: €41k
2024: €41k
2021 → 2025
Net result
€-2k▲ 49.3%
2024 · €-3k
2021: €11k
2022: €12k
2023: €10k
2024: €-3k
2021 → 2025
Working capital
€16k▲ 43.6%
2024 · €11k
2021: €9k
2022: €8k
2023: €22k
2024: €11k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€24k▲ 92.9%€34k▲ 42.3%€31k▼ 9.2%€29k▼ 5.1%
Operating result€14k-€15k▲ 10.2%€13k▼ 13.8%€-3k€-2k▲ 48.9%
Net result€11k-€12k▲ 5.6%€10k▼ 12.1%€-3k€-2k▲ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€13k ▼ 33.3%
Current assets
€19k ▼ 12.9%
Equity and liabilities €32k
Equity
€29k ▼ 5.1%
Debt
€2k ▼ 76.2%
Debt's share of the balance-sheet total falls from 24.7% to 7.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €3k
Cash flow
€5k▲
2024 · €3k
Current ratio
7.76▲
2024 · 2.12
Debt to equity
0.08▼
2024 · 0.33
ROE
-5.4%▲
2024 · -10.1%
ROA
-5.0%▲
2024 · -7.6%
Interest coverage
92.80▲
2024 · 22.58
Debt ≤ 1 year
€2k▼
2024 · €10k
Income taxes
€8
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 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€32k▼
Fixed assets21/28€20k€13k▼
Tangible fixed assets22/27€20k€13k▼
Furniture and vehicles24€20k€13k▼
Current assets29/58€21k€19k▼
Amounts receivable within one year40/41€6k€5k▼
Trade receivables40€6k€3k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€15k€14k▼
Equity and liabilities
Total equity and liabilities10/49€41k€32k▼
Equity10/15€31k€29k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€29k€28k▼
Amounts payable17/49€10k€2k▼
Amounts payable within one year42/48€10k€2k▼
Trade debts44€2k€544▼
Suppliers440/4€2k€544▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€4k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€682€825▲
Gross operating margin9900€4k€6k▲
Operating profit (loss)9901€-3k€-2k▲
Financial charges65/66B€145€54▼
Recurring financial charges65€145€54▼
Profit (loss) for the period before taxes9903€-3k€-2k▲
Income taxes67/77-€8
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€28k▼
Profit (loss) brought forward from the previous period14P€33k€29k▼
The notes to these accounts (4 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
31-12
Financial
Liquidity quadruplescurrent ratio 7.76
Current ratio from 2.12 to 7.76; short-term debt falls from €10k to €2k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼131%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 4.39
Current ratio from 1.48 to 4.39; short-term debt falls from €17k to €7k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €12k ▲5.6%
Operating result €15k, net result €12k, both a record.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day 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, Elsene · 1 establishment unit since 2021
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.
Louizalaan 1421050 ElseneGround area
365 m²
Building footprint
337 m²
Volume, LiDAR
8,331 m³
Parcel 21807G0063/00Y000, Brussels · tallest building 33.7 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Louizalaan 142, 1050 Elsene
since 20212.314.785.630
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0063/00Y000 | Brussels | 365 m² | 1 · 337 m² | 33.7 m · 9 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 4,529 companies in sector 74301 we hold annual accounts for 719. 589 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
Founded15-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
74301Translation services
70200Business and other management consultancy
82100Office administrative and support services
82300Organisation of conventions and trade shows
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.