Verbolux
ActiveThe computed 12-month bankruptcy probability of Verbolux is 2.1% (moderate). The 2025 annual accounts show equity of €16k and a net result of €11k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 40% of 27559 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+12
Solvency63▲+20
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 1.9 in 2024; short-term debt: 36.7% and cash: 27.1% of total assets), but 61.9% 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+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 →
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
38.1%
Return on assets
26.2%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
29 d late
2023
1 d early
2022
19 d early
2021
30 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 219%
2024 · €5k
2021: €2k
2022: €8k
2023: €11k
2024: €5k
2021 → 2025
Total assets
€41k▲ 52.9%
2024 · €27k
2021: €3k
2022: €19k
2023: €27k
2024: €27k
2021 → 2025
Net result
€11k▲ 157%
2024 · €4k
2021: €-11
2022: €11k
2023: €3k
2024: €4k
2021 → 2025
Working capital
€23k▲ 116%
2024 · €10k
2021: €1k
2022: €11k
2023: €6k
2024: €10k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€8k▲ 317%€11k▲ 37.8%€5k▼ 57.2%€16k▲ 219%
Operating result€-11-€13k€4k▼ 71.3%€6k▲ 47.9%€16k▲ 182%
Net result€-11-€11k€3k▼ 75.8%€4k▲ 52.0%€11k▲ 157%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 182% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€3k▼ 24.9%
Current assets
€38k▲ 70.7%
Equity and liabilities €41k
Equity
€16k▲ 219%
Debt
€25k▲ 15.8%
The debt ratio falls from 81.7% to 61.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €9k
Cash flow
€14k▲
2024 · €7k
Solvency
38.1%▲
2024 · 18.3%
Current ratio
2.50▲
2024 · 1.90
Quick ratio
2.50▲
2024 · 1.90
Debt / equity
1.62▼
2024 · 4.47
ROE
68.6%▼
2024 · 85.0%
ROA
26.2%▲
2024 · 15.5%
Interest coverage
9.02▼
2024 · 62.41
Debt
€25k▲
2024 · €22k
Debt ≤ 1 year
€15k▲
2024 · €12k
Debt > 1 year
€9k=
2024 · €9k
Income taxes
€3k▲
2024 · €1k
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€27k€41k▲
Formation expenses20€311-
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€4k€2k▼
Current assets29/58€22k€38k▲
Amounts receivable within one year40/41€19k€26k▲
Trade receivables40€14k€8k▼
Other amounts receivable41€5k€18k▲
Cash at bank and in hand54/58€3k€11k▲
Deferred charges and accrued income490/1€253€296▲
Equity and liabilities
Total equity and liabilities10/49€27k€41k▲
Equity10/15€5k€16k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€3k€14k▲
Amounts payable17/49€22k€25k▲
Amounts payable after more than one year17€9k€9k=
Financial debts170/4€9k€9k=
Amounts payable within one year42/48€12k€15k▲
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€3k€11k▲
Taxes450/3€3k€11k▲
Other amounts payable47/48€66-
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€10k€22k▲
Operating profit (loss)9901€6k€16k▲
Financial income75/76B€0€5▲
Recurring financial income75€0€5▲
Financial charges65/66B€139€2k▲
Recurring financial charges65€139€2k▲
Profit (loss) for the period before taxes9903€6k€14k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€4k€11k▲
Profit (loss) for the period to be appropriated9905€4k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€14k=
Profit (loss) brought forward from the previous period14P€9k€3k▼
Profit to be distributed694/7€11k-
Return on contributions (dividend)694€11k-
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Brasschaat · 1 establishment unit since 2020
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.
Bethaniëlei 222930 BrasschaatGround area
1,411 m²
Building footprint
150 m²
Volume, LiDAR
833 m³
Parcel 11008H0196/00M002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakaudit
since 20202.309.689.566
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008H0196/00M002 | Flanders | 1,411 m² | 1 · 150 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,443 EUR awarded · 1,230 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,230 EUR | 1,230 EUR |
| 2023 | 1 | 213 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 2,754 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2020
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43221Plumbing work
43223Specialised construction activities
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.