VERBEKE J.
ActiveVERBEKE J. has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €826k and a net result of €299k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 64% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 3.88 against 5.94 in 2024; short-term debt: 23.9% and cash: 4.9% of total assets), and 23.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
76.1%
Return on assets
27.5%
Age of the figures
9 mo
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
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 16-03-2026, 137 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
137 d early
2024
143 d early
2023
147 d early
2022
153 d early
2021
158 d early
2020
158 d early
2019
140 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€826k▼ 18.8%
2024 · €1.02M
2018: €608k
2019: €725k
2020: €664k
2021: €721k
2022: €775k
2023: €906k
2024: €1.02M
2018 → 2025
Total assets
€1.09M▼ 9.9%
2024 · €1.20M
2018: €656k
2019: €794k
2020: €873k
2021: €865k
2022: €949k
2023: €1.06M
2024: €1.20M
2018 → 2025
Net result
€299k▲ 13.8%
2024 · €263k
2018: €128k
2019: €143k
2020: €131k
2021: €180k
2022: €179k
2023: €257k
2024: €263k
2018 → 2025
Working capital
€747k▼ 19.3%
2024 · €925k
2018: €393k
2019: €506k
2020: €482k
2021: €567k
2022: €654k
2023: €806k
2024: €925k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€721k-€775k▲ 7.6%€906k▲ 16.9%€1.02M▲ 12.3%€826k▼ 18.8%
Operating result€258k-€288k▲ 11.5%€351k▲ 22.1%€387k▲ 10.2%€402k▲ 3.9%
Net result€180k-€179k▼ 0.8%€257k▲ 44.0%€263k▲ 2.0%€299k▲ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€79k▼ 14.1%
Current assets
€1.01M▼ 9.5%
Equity and liabilities €1.09M
Equity
€826k▼ 18.8%
Debt
€260k▲ 38.6%
The debt ratio rises from 15.6% to 23.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€415k▲
2024 · €400k
Cash flow
€312k▲
2024 · €275k
Solvency
76.1%▼
2024 · 84.4%
Current ratio
3.88▼
2024 · 5.94
Quick ratio
3.88▼
2024 · 5.94
Debt / equity
0.31▲
2024 · 0.18
ROE
36.2%▲
2024 · 25.8%
ROA
27.5%▲
2024 · 21.8%
Interest coverage
43.22▲
2024 · 26.07
Debt
€260k▲
2024 · €187k
Debt ≤ 1 year
€260k▲
2024 · €187k
Income taxes
€135k▲
2024 · €126k
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€1.20M€1.09M▼
Fixed assets21/28€92k€79k▼
Tangible fixed assets22/27€92k€79k▼
Land and buildings22€81k€72k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€1.11M€1.01M▼
Amounts receivable within one year40/41€3k€28k▲
Other amounts receivable41€3k€28k▲
Current investments50/53€1.07M€922k▼
Cash at bank and in hand54/58€33k€53k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.09M▼
Equity10/15€1.02M€826k▼
Contributions10/11€5k€5k=
Reserves13€1.01M€821k▼
Tax-exempt reserves132€3k€3k=
Distributable reserves133€1.01M€819k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€187k€260k▲
Amounts payable within one year42/48€187k€260k▲
Financial debts43€20k€25k▲
Credit institutions430/8€20k€25k▲
Trade debts44€2k€547▼
Suppliers440/4€2k€547▼
Taxes, remuneration and social security45€26k€54k▲
Taxes450/3€26k€54k▲
Other amounts payable47/48€139k€180k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€402k€419k▲
Operating profit (loss)9901€387k€402k▲
Financial income75/76B€17k€41k▲
Recurring financial income75€17k€41k▲
Financial charges65/66B€15k€10k▼
Recurring financial charges65€15k€10k▼
Profit (loss) for the period before taxes9903€389k€433k▲
Income taxes67/77€126k€135k▲
Profit (loss) for the period9904€263k€299k▲
Profit (loss) for the period to be appropriated9905€263k€299k▲
Appropriation of the result
Profit (loss) to be appropriated9906€263k€299k▲
Transfer from equity791/2€139k€490k▲
Transfer to equity691/2€263k€299k▲
To other reserves6921€263k€299k▲
Profit to be distributed694/7€139k€490k▲
Return on contributions (dividend)694€139k€490k▲
The notes to these accounts (6 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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €299k ▲13.8%
Operating result €402k, net result €299k, both a record.
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €1MEq €1.02M ▲12.3%
7 profitable years in a row build equity to €1.02M.
06-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tielt · 1 establishment unit since 2012
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.
Felix D'Hoopstraat 28700 TieltGround area
525 m²
Building footprint
412 m²
Volume, LiDAR
1,666 m³
Parcel 37015K1201/00C002, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Verbeke J.
since 20122.208.801.648
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015K1201/00C002 | Flanders | 525 m² | 1 · 412 m² | 7.0 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755008ED6EJ784UDS36
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,092 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2012
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.