VERBATCO
ActiveVERBATCO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194k and a net result of €4k. Equity is shrinking by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-4
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 47.47 against 92.21 in 2024), and 24.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
75.2%
Return on assets
1.7%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
29 d late
2023
29 d late
2022
32 d late
2021
31 d late
2020
24 d late
2019
49 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€194k▲ 2.3%
2024 · €190k
2018: €345k
2019: €350k
2020: €355k
2021: €368k
2022: €223k
2023: €184k
2024: €190k
2018 → 2025
Total assets
€258k▲ 2.8%
2024 · €251k
2018: €415k
2019: €428k
2020: €418k
2021: €452k
2022: €286k
2023: €288k
2024: €251k
2018 → 2025
Net result
€4k▼ 22.4%
2024 · €6k
2018: €52k
2019: €5k
2020: €5k
2021: €13k
2022: €7k
2023: €756
2024: €6k
2018 → 2025
Working capital
€253k▲ 2.5%
2024 · €246k
2018: €330k
2019: €383k
2020: €394k
2021: €413k
2022: €274k
2023: €240k
2024: €246k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€368k-€223k▼ 39.4%€184k▼ 17.6%€190k▲ 3.0%€194k▲ 2.3%
Operating result€19k-€10k▼ 45.1%€1k▼ 88.1%€8k▲ 572%€4k▼ 56.6%
Net result€13k-€7k▼ 45.5%€756▼ 89.2%€6k▲ 641%€4k▼ 22.4%
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 falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €258k
Equity
€194k▲ 2.3%
Provisions
€59k=
Debt
€5k▲ 101%
The debt ratio rises from 1.1% to 2.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€5k▼
2024 · €9k
Cash flow
€6k▼
2024 · €6k
Solvency
75.2%▼
2024 · 75.5%
Current ratio
47.47▼
2024 · 92.21
Quick ratio
47.47▼
2024 · 92.21
Debt / equity
0.03▲
2024 · 0.01
ROE
2.2%▼
2024 · 3.0%
ROA
1.7%▼
2024 · 2.2%
Interest coverage
70.49▲
2024 · 11.55
Debt
€5k▲
2024 · €3k
Debt ≤ 1 year
€5k▲
2024 · €3k
Income taxes
€3k▼
2024 · €3k
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€251k€258k▲
Fixed assets21/28€2k€0▼
Tangible fixed assets22/27€2k€0▼
Land and buildings22€2k€0▼
Current assets29/58€249k€258k▲
Amounts receivable after more than one year29€120k€120k=
Other amounts receivable291€120k€120k=
Amounts receivable within one year40/41€24k€51k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€20k€48k▲
Current investments50/53€79k€79k=
Cash at bank and in hand54/58€27k€7k▼
Deferred charges and accrued income490/1€0€560▲
Equity and liabilities
Total equity and liabilities10/49€251k€258k▲
Equity10/15€190k€194k▲
Contributions10/11€7k€7k=
Reserves13€90k€94k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€88k€92k▲
Profit (loss) carried forward14€93k€93k=
Provisions and deferred taxes16€59k€59k=
Provisions for liabilities and charges160/5€59k€59k=
Pensions and similar obligations160€59k€59k=
Amounts payable17/49€3k€5k▲
Amounts payable within one year42/48€3k€5k▲
Trade debts44€297€269▼
Suppliers440/4€297€269▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€826€2k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€10k€7k▼
Operating profit (loss)9901€8k€4k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€2k€76▼
Recurring financial charges65€795€76▼
Non-recurring financial charges66B€1k€0▼
Profit (loss) for the period before taxes9903€9k€7k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€6k€4k▼
Profit (loss) for the period to be appropriated9905€6k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€98k€97k▼
Profit (loss) brought forward from the previous period14P€93k€93k=
Transfer from equity791/2€0-
Transfer to equity691/2€6k€4k▼
To other reserves6921€6k€4k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (5 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Liquidity times 15current ratio 92.21
Current ratio from 6.32 to 92.21; short-term debt falls from €45k to €3k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €756 ▼89.2%
Net result drops to €756, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 59.23
Current ratio from 17.41 to 59.23; short-term debt falls from €25k to €5k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 97.58
Current ratio from 21.71 to 97.58; short-term debt falls from €18k to €4k.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kapellen · 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.
Leeuw van Vlaanderenlaan 592950 KapellenGround area
1,445 m²
Building footprint
147 m²
Volume, LiDAR
807 m³
Parcel 11362M0266/00B005, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERBATCO
since 20002.099.928.254
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362M0266/00B005 | Flanders | 1,445 m² | 1 · 147 m² | 8.4 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
JOS EENS-DEGREEF
BE 0422.987.207
Tessenderlo-Ham · Eq €194k
VAN GILS
BE 0463.753.436
Beernem · Eq €195k
BAEREND
BE 0444.025.814
Duffel · Eq €195k
MAES ELECTRONICS
BE 0422.377.194
Sint-Niklaas · Eq €195k
CASH CONVERTERS BELGIUM CORPORATE
BE 0889.849.690
Braine-l'Alleud · Eq €192k
Of 970 companies in sector 46431 we hold annual accounts for 698. 533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2000
Fiscal year end31-12
Activities, NACEBEL
46431Wholesale of electrical household appliances and audio-video equipment
46190Agents in non-specialised wholesale trade
46643Wholesale of electrical equipment, including installation materials
70200Business and other management consultancy
70220Business consulting
82990Other business support services
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.