VERBOSTORE
ActiveSummary
VERBOSTORE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,318 and a net result of -€19,974. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency46▼-13
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.23 against 1.43 in 2024; short-term debt: 79.1% and cash: 27.5% of total assets), and 79.1% of the assets are financed with debt.
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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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.9%
Return on assets
-20.5%
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 -€19,974
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
28 d late
2023
on the day
2022
10 d late
2021
2 d early
2020
1 d early
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 10 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€20,318▼ 49.6%
2024 · €40,291
Total assets
€97,369▼ 17.5%
2024 · €117,975
Net result
-€19,974▲ 11.6%
2024 · -€22,590
Working capital
€17,551▼ 47.6%
2024 · €33,463
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€10,659-€14,881▼ 39.6%-€20,486▼ 37.7%-€28,200▼ 37.7%-€24,290▲ 13.9%
Net result-€3,312below the sector's middle half-€6,450below the sector's middle half▼ 94.7%-€14,199below the sector's middle half▼ 120%-€22,590below the sector's middle half▼ 59.1%-€19,974below the sector's middle half▲ 11.6%
Equity€83,529within the sector's middle half▼ 3.8%€77,079within the sector's middle half▼ 7.7%€62,881within the sector's middle half▼ 18.4%€40,291within the sector's middle half▼ 35.9%€20,318within the sector's middle half▼ 49.6%
Total assets€133,295within the sector's middle half▼ 0.8%€128,994within the sector's middle half▼ 3.2%€141,712within the sector's middle half▲ 9.9%€117,975within the sector's middle half▼ 16.8%€97,369within the sector's middle half▼ 17.5%
Debt€49,766▲ 4.6%€51,914▲ 4.3%€78,831▲ 51.8%€77,684▼ 1.5%€77,052▼ 0.8%
Working capital€81,191within the sector's middle half▼ 2.8%€63,896within the sector's middle half▼ 21.3%€51,194within the sector's middle half▼ 19.9%€33,463within the sector's middle half▼ 34.6%€17,551within the sector's middle half▼ 47.6%
Solvency62.7%above the sector's middle half▼ 1.9pp59.8%within the sector's middle half▼ 2.9pp44.4%within the sector's middle half▼ 15.4pp34.2%within the sector's middle half▼ 10.2pp20.9%within the sector's middle half▼ 13.3pp
Current ratio2.63within the sector's middle half▼ 0.122.23within the sector's middle half▼ 0.401.65within the sector's middle half▼ 0.581.43within the sector's middle half▼ 0.221.23within the sector's middle half▼ 0.20
Return on assets (ROA)-2.5%below the sector's middle half▼ 22.5pp-5.0%below the sector's middle half▼ 2.5pp-10.0%below the sector's middle half▼ 5.0pp-19.1%below the sector's middle half▼ 9.1pp-20.5%below the sector's middle half▼ 1.4pp
Staff (FTE)1
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 stays negative: a loss of €24,290 in 2025 against €28,200 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97,369
Fixed assets
€2,767 ▼ 59.5%
Current assets
€94,603 ▼ 14.9%
Equity and liabilities €97,369
Equity
€20,318 ▼ 49.6%
Debt
€77,052 ▼ 0.8%
Debt's share of the balance-sheet total rises from 65.8% to 79.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€20,229▲
2024 · -€23,342
Cash flow
-€15,912▲
2024 · -€17,731
Quick ratio
0.37▼
2024 · 0.44
Debt to equity
3.79▲
2024 · 1.93
ROE
-98.3%▼
2024 · -56.1%
Interest coverage
-13.51▲
2024 · -20.23
Debt ≤ 1 year
€77,052▼
2024 · €77,684
Income taxes
€357▲
2024 · €337
Staff costs
€39,821▲
2024 · €39,106
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,221 companies that looked in July 2024 the way this one looks now, 3.8% went bankrupt within 24 months and 88% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.8%
went bankrupt
7.4%
stopped otherwise
88%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,221 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €8,891 | - | - | - |
| Remuneration, social security and pensions62 | €26,395 | €33,075 | €36,858 | €39,106 | €39,821 | ▲ 1.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €906 | €1,597 | €5,449 | €4,859 | €4,061 | ▼ 16.4% |
| Other operating charges640/8 | €2,877 | €2,873 | €2,109 | €1,671 | €2,955 | ▲ 76.8% |
| Gross operating margin9900 | €19,519 | €22,664 | €23,930 | €17,435 | €22,547 | ▲ 29.3% |
| Operating profit (loss)9901 | -€10,659 | -€14,881 | -€20,486 | -€28,200 | -€24,290 | ▲ 13.9% |
| Financial income75/76B | €8,554 | €10,281 | €7,939 | €7,101 | €6,172 | ▼ 13.1% |
| Recurring financial income75 | €8,554 | €10,281 | €7,939 | €7,101 | €6,172 | ▼ 13.1% |
| Financial charges65/66B | €883 | €1,520 | €1,323 | €1,154 | €1,497 | ▲ 29.8% |
| Recurring financial charges65 | €883 | €1,520 | €1,323 | €1,154 | €1,497 | ▲ 29.8% |
| Profit (loss) for the period before taxes9903 | -€2,988 | -€6,120 | -€13,869 | -€22,253 | -€19,616 | ▲ 11.8% |
| Income taxes67/77 | €324 | €330 | €330 | €337 | €357 | ▲ 6.2% |
| Profit (loss) for the period9904 | -€3,312 | -€6,450 | -€14,199 | -€22,590 | -€19,974 | ▲ 11.6% |
| Profit (loss) for the period to be appropriated9905 | -€3,312 | -€6,450 | -€14,199 | -€22,590 | -€19,974 | ▲ 11.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €133,295 | €128,994 | €141,712 | €117,975 | €97,369 | ▼ 17.5% |
| Formation expenses20 | - | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €2,338 | €13,183 | €11,687 | €6,828 | €2,767 | ▼ 59.5% |
| Tangible fixed assets22/27 | €2,338 | €13,183 | €11,687 | €6,828 | €2,767 | ▼ 59.5% |
| Land and buildings22 | - | - | €3,557 | - | - | - |
| Plant, machinery and equipment23 | €1,158 | €842 | €526 | €3,372 | €2,767 | ▼ 17.9% |
| Furniture and vehicles24 | €1,180 | €12,341 | €7,604 | €3,456 | €0 | ▼ 100.0% |
| Current assets29/58 | €130,957 | €115,811 | €130,025 | €111,147 | €94,603 | ▼ 14.9% |
| Stocks and contracts in progress3 | €59,175 | €54,729 | €95,235 | €77,101 | €65,797 | ▼ 14.7% |
| Stocks30/36 | €59,175 | €54,729 | €95,235 | €77,101 | €65,797 | ▼ 14.7% |
| Cash at bank and in hand54/58 | €71,783 | €57,169 | €30,632 | €29,506 | €26,749 | ▼ 9.3% |
| Deferred charges and accrued income490/1 | - | €3,912 | €4,158 | €4,539 | €2,056 | ▼ 54.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €133,295 | €128,994 | €141,712 | €117,975 | €97,369 | ▼ 17.5% |
| Equity10/15 | €83,529 | €77,079 | €62,881 | €40,291 | €20,318 | ▼ 49.6% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | €20,000 | - | - | - | - | - |
| Issued capital100 | €20,000 | - | - | - | - | - |
| Reserves13 | €149,967 | €149,967 | €149,967 | €149,967 | €149,967 | = |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Legal reserve130 | €2,000 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | €147,967 | €147,967 | €147,967 | €147,967 | €147,967 | = |
| Profit (loss) carried forward14 | -€86,438 | -€92,888 | -€107,086 | -€129,676 | -€149,649 | ▼ 15.4% |
| Amounts payable17/49 | €49,766 | €51,914 | €78,831 | €77,684 | €77,052 | ▼ 0.8% |
| Amounts payable within one year42/48 | €49,766 | €51,914 | €78,831 | €77,684 | €77,052 | ▼ 0.8% |
| Trade debts44 | €3,509 | €3,543 | €6,089 | €4,370 | €5,485 | ▲ 25.5% |
| Suppliers440/4 | €3,509 | €3,543 | €6,089 | €4,370 | €5,485 | ▲ 25.5% |
| Taxes, remuneration and social security45 | €12,364 | €14,973 | €10,446 | €11,393 | €9,440 | ▼ 17.1% |
| Taxes450/3 | €8,744 | €11,031 | €6,400 | €7,234 | €6,440 | ▼ 11.0% |
| Remuneration and social security454/9 | €3,621 | €3,941 | €4,046 | €4,159 | €3,000 | ▼ 27.9% |
| Other amounts payable47/48 | €33,893 | €33,399 | €62,297 | €61,920 | €62,127 | ▲ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,312 | -€6,450 | -€14,199 | -€22,590 | -€19,974 | ▲ 11.6% |
| + Depreciation and write-downs630 | €906 | €1,597 | €5,449 | €4,859 | €4,061 | ▼ 16.4% |
| Operating cash flow (approximation) | -€2,406 | -€4,852 | -€8,750 | -€17,731 | -€15,912 | ▲ 10.3% |
| Investment in fixed assets (approximation) | - | -€12,443 | -€3,953 | €0 | €0 | - |
| Change in cash | - | -€14,614 | -€26,537 | -€1,126 | -€2,757 | ▼ 145% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26,842
Net result €26,842 after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Truiden · 2 establishment units since 1999
Ground area
133 m²
Building footprint
133 m²
Volume, LiDAR
1,601 m³
2 parcels, Flanders · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
RAFFAELLO
since 19992.092.928.814
ENTBROEKX
since 19992.092.928.913
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H0829/00B000 | Flanders | 85 m² | 1 · 85 m² | 16.1 m · 4 fl. |
| 71053H0829/00D000 | Flanders | 48 m² | 1 · 48 m² | 14.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,035 companies in sector 47721 we hold annual accounts for 583. 332 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-11-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47722Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0467503475
Also
9925:BE0467503475
Registered
07-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.