Verbinvest
ActiveVerbinvest has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €562k and a net result of €-14k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (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
Profitability66▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 53.59; short-term debt: 0.8% and cash: 36.6% of total assets), and 0.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
99.2%
Return on assets
-2.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-14k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
25 d early
2021
18 d late
2020
38 d early
2019
90 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k▲ 47.8%
2024 · €-26k
2018: €-54k
2019: €-62k
2020: €-65k
2021: €-49k
2022: €-46k
2023: €-42k
2024: €-26k
2018 → 2025
Working capital
€235k▲ 1.7%
2024 · €231k
2018: €-549k
2019: €-553k
2020: €187k
2021: €195k
2022: €204k
2023: €217k
2024: €231k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€690k-€644k▼ 6.7%€601k▼ 6.6%€575k▼ 4.3%€562k▼ 2.4%
Operating result€-49k-€-46k▲ 7.2%€-42k▲ 6.9%€-26k▲ 38.8%€-13k▲ 48.2%
Net result€-49k-€-46k▲ 6.7%€-42k▲ 7.6%€-26k▲ 38.5%€-14k▲ 47.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €26k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €566k
Fixed assets
€327k▼ 5.1%
Current assets
€239k▲ 3.6%
Equity and liabilities €566k
Equity
€562k▼ 2.4%
Debt
€4k▲ 5,218%
The debt ratio rises from 0.0% to 0.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €14k
Cash flow
€4k▼
2024 · €14k
Solvency
99.2%▼
2024 · 100.0%
Current ratio
53.59
Quick ratio
53.59
Debt / equity
0.01▲
2024 · 0.00
ROE
-2.4%▲
2024 · -4.5%
ROA
-2.4%▲
2024 · -4.5%
Interest coverage
24.56▼
2024 · 101.98
Debt
€4k▲
2024 · €84
Debt ≤ 1 year
€4k▲
2024 · €84
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€575k€566k▼
Fixed assets21/28€344k€327k▼
Tangible fixed assets22/27€344k€327k▼
Land and buildings22€344k€327k▼
Current assets29/58€231k€239k▲
Cash at bank and in hand54/58€231k€207k▼
Deferred charges and accrued income490/1-€32k
Equity and liabilities
Total equity and liabilities10/49€575k€566k▼
Equity10/15€575k€562k▼
Contributions10/11€974k€974k=
Capital10€974k€974k=
Issued capital100€3.60M€3.60M=
Uncalled capital101€2.63M€2.63M=
Reserves13€130k€130k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€120k€120k=
Profit (loss) carried forward14€-529k€-543k▼
Amounts payable17/49€84€4k▲
Amounts payable within one year42/48€84€4k▲
Trade debts44€84€4k▲
Suppliers440/4€84€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€18k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€22k€12k▼
Operating profit (loss)9901€-26k€-13k▲
Financial charges65/66B€140€169▲
Recurring financial charges65€140€169▲
Profit (loss) for the period before taxes9903€-26k€-14k▲
Profit (loss) for the period9904€-26k€-14k▲
Profit (loss) for the period to be appropriated9905€-26k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-529k€-543k▼
Profit (loss) brought forward from the previous period14P€-503k€-529k▼
The notes to these accounts (3 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Liquidity times 51current ratio 2750.37
Current ratio from 53.96 to 2750.37; short-term debt falls from €4k to €84.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-65k
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 247current ratio 21.21
Current ratio from 0.09 to 21.21; short-term debt falls from €605k to €9k.
31-12
Financial
Equity above €500kEq €739k
Equity rises from €-71k to €739k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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 1984
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.
Gachardstraat 881050 ElseneGround area
6,554 m²
Building footprint
1,054 m²
Volume, LiDAR
12,232 m³
2 parcels, Brussels, Flanders · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Romboutsstraat 6, 1932 Zaventem
since 19842.221.810.437
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078A0295/00F000 | Flanders | 4,888 m² | 1 · 1,054 m² | 15.8 m · 4 fl. |
| 21807G0149/00W000 | Brussels | 1,666 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
LANGIMO
BE 0448.301.435
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Wilvimar
BE 0424.600.771
Hove · Eq €561k
HI1
BE 0781.301.742
Antwerpen · Eq €562k
A.P.S. Immo
BE 0743.525.487
Flémalle · Eq €561k
Immomed
BE 0422.834.678
Brugge · Eq €561k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-09-1984
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.