Verbeke Nick
ActiveThe computed 12-month bankruptcy probability of Verbeke Nick is 2.1% (moderate). The 2025 annual accounts show equity of €3k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 27386 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy▼ -21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency16▼-60
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.06 against 1.67 in 2024), and 94.6% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 27386 sector peers (2025).
NBB · sector comparisonPosition among 27386 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
5 d late
2024
29 d late
2023
26 d late
2022
30 d late
2021
26 d late
2020
3 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 90.1%
2024 · €25k
2020: €25k
2021: €39k
2022: €62k
2023: €3k
2024: €25k
2020 → 2025
Total assets
€46k▼ 27.6%
2024 · €64k
2020: €44k
2021: €76k
2022: €86k
2023: €117k
2024: €64k
2020 → 2025
Net result
€8k▼ 65.8%
2024 · €23k
2020: €22k
2021: €14k
2022: €23k
2023: €26k
2024: €23k
2020 → 2025
Working capital
€3k▼ 88.3%
2024 · €23k
2020: €20k
2021: €33k
2022: €58k
2023: €-753
2024: €23k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€62k▲ 57.7%€3k▼ 96.0%€25k▲ 911%€3k▼ 90.1%
Operating result€16k-€29k▲ 77.3%€33k▲ 14.4%€32k▼ 3.5%€16k▼ 48.6%
Net result€14k-€23k▲ 58.5%€26k▲ 14.1%€23k▼ 12.0%€8k▼ 65.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€2k▼ 69.5%
Current assets
€44k▼ 22.8%
Equity and liabilities €46k
Equity
€3k▼ 90.1%
Debt
€44k▲ 13.2%
The debt ratio rises from 60.5% to 94.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€22k▼
2024 · €38k
Cash flow
€13k▼
2024 · €29k
Solvency
5.4%▼
2024 · 39.5%
Current ratio
1.06▼
2024 · 1.67
Quick ratio
1.04▼
2024 · 1.64
Debt / equity
17.53▲
2024 · 1.53
ROE
311.6%▲
2024 · 90.1%
ROA
16.8%▼
2024 · 35.6%
Interest coverage
4.61▼
2024 · 10.06
Debt
€44k▲
2024 · €39k
Debt ≤ 1 year
€42k▲
2024 · €34k
Debt > 1 year
€0▼
2024 · €4k
Income taxes
€4k▼
2024 · €7k
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€64k€46k▼
Fixed assets21/28€7k€2k▼
Tangible fixed assets22/27€7k€2k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€975€1k▲
Leasing and similar rights25€6k€809▼
Current assets29/58€57k€44k▼
Stocks and contracts in progress3€992€1k▲
Stocks30/36€992€1k▲
Amounts receivable within one year40/41€7k€12k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€40k€25k▼
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€64k€46k▼
Equity10/15€25k€3k▼
Contributions10/11€3k€3k=
Reserves13€23k€0▼
Distributable reserves133€23k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€39k€44k▲
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€34k€42k▲
Current portion of amounts payable after more than one year42€7k€4k▼
Financial debts43-€2k
Other loans439-€2k
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€655€48▼
Taxes450/3€655€48▼
Other amounts payable47/48€24k€32k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€2k€947▼
Non-recurring operating charges66A-€113
Gross operating margin9900€40k€23k▼
Operating profit (loss)9901€32k€16k▼
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€30k€12k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€23k€8k▼
Profit (loss) for the period to be appropriated9905€23k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€8k▼
Transfer from equity791/2€0€23k▲
Transfer to equity691/2€23k€0▼
To other reserves6921€23k€0▼
Profit to be distributed694/7€0€31k▲
Return on contributions (dividend)694€0€31k▲
The notes to these accounts (15 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €8k ▼65.8%
Net result drops to €8k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2020net €26k ▲14.1%
Operating result €33k, net result €26k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 6.10
Current ratio from 2.66 to 6.10; short-term debt falls from €20k to €11k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lichtervelde · 1 establishment unit since 2019
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.
Rozenlaan 378810 LichterveldeGround area
245 m²
Building footprint
67 m²
Volume, LiDAR
419 m³
Parcel 36011F0626/00P002, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Verbeke Nick
since 20192.300.317.188
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011F0626/00P002 | Flanders | 244 m² | 1 · 66 m² | 7.8 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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HAQUENNE Pascal
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CR DAKPROJECTEN
BE 0797.608.630
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TOITURE ADAM
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Of 11,052 companies in sector 43910 we hold annual accounts for 5,441. 1,055 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2019
Fiscal year end31-12
Activities, NACEBEL
43910Bricklaying and masonry work
43994Specialised construction activities
43331Floor and wall tiling
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.