VERCAMMEN- VAN GEYTE
ActiveVERCAMMEN- VAN GEYTE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €682k and a net result of €103k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability84▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 4.95 against 4.23 in 2024; short-term debt: 19.4% and cash: 79.8% of total assets), and 19.4% 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 · 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
80.6%
Return on assets
12.2%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
on the day
2023
61 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
68 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€682k▲ 17.8%
2024 · €579k
2018: €378k
2019: €433k
2020: €469k
2021: €508k
2022: €496k
2023: €564k
2024: €579k
2018 → 2025
Total assets
€847k▲ 13.8%
2024 · €744k
2018: €461k
2019: €492k
2020: €558k
2021: €576k
2022: €614k
2023: €728k
2024: €744k
2018 → 2025
Net result
€103k▲ 37.0%
2024 · €75k
2018: €28k
2019: €54k
2020: €36k
2021: €39k
2022: €59k
2023: €68k
2024: €75k
2018 → 2025
Working capital
€650k▲ 22.0%
2024 · €533k
2018: €350k
2019: €394k
2020: €418k
2021: €472k
2022: €475k
2023: €502k
2024: €533k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€508k-€496k▼ 2.3%€564k▲ 13.7%€579k▲ 2.7%€682k▲ 17.8%
Operating result€54k-€81k▲ 49.7%€95k▲ 16.1%€106k▲ 12.3%€147k▲ 38.5%
Net result€39k-€59k▲ 49.7%€68k▲ 15.7%€75k▲ 11.0%€103k▲ 37.0%
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 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €847k
Fixed assets
€32k▼ 30.1%
Current assets
€814k▲ 16.7%
Equity and liabilities €847k
Equity
€682k▲ 17.8%
Debt
€164k▼ 0.5%
The debt ratio falls from 22.2% to 19.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€164k▲
2024 · €123k
Cash flow
€120k▲
2024 · €92k
Solvency
80.6%▲
2024 · 77.8%
Current ratio
4.95▲
2024 · 4.23
Quick ratio
4.90▲
2024 · 4.12
Debt / equity
0.24▼
2024 · 0.29
ROE
15.1%▲
2024 · 13.0%
ROA
12.2%▲
2024 · 10.1%
Interest coverage
199.97▼
2024 · 236.63
Debt
€164k▼
2024 · €165k
Debt ≤ 1 year
€164k▼
2024 · €165k
Income taxes
€43k▲
2024 · €30k
Staff costs
€73k▼
2024 · €84k
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€744k€847k▲
Fixed assets21/28€46k€32k▼
Tangible fixed assets22/27€45k€31k▼
Plant, machinery and equipment23€19k€13k▼
Furniture and vehicles24€27k€18k▼
Financial fixed assets28€1k€1k=
Current assets29/58€698k€814k▲
Stocks and contracts in progress3€18k€10k▼
Stocks30/36€18k€10k▼
Amounts receivable within one year40/41€117k€112k▼
Trade receivables40€103k€102k▼
Other amounts receivable41€13k€10k▼
Cash at bank and in hand54/58€546k€676k▲
Deferred charges and accrued income490/1€17k€17k▼
Equity and liabilities
Total equity and liabilities10/49€744k€847k▲
Equity10/15€579k€682k▲
Contributions10/11€6k€6k=
Reserves13€573k€676k▲
Distributable reserves133€573k€676k▲
Amounts payable17/49€165k€164k▼
Amounts payable within one year42/48€165k€164k▼
Trade debts44€77k€90k▲
Suppliers440/4€77k€90k▲
Advances received on contracts in progress46-€40k
Taxes, remuneration and social security45€22k€27k▲
Taxes450/3€22k€27k▲
Remuneration and social security454/9-€119
Other amounts payable47/48€67k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€84k€73k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€21k€2k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€230k€240k▲
Operating profit (loss)9901€106k€147k▲
Financial income75/76B-€24
Recurring financial income75-€24
Financial charges65/66B€519€820▲
Recurring financial charges65€519€820▲
Profit (loss) for the period before taxes9903€106k€146k▲
Income taxes67/77€30k€43k▲
Profit (loss) for the period9904€75k€103k▲
Profit (loss) for the period to be appropriated9905€75k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€103k▲
Transfer from equity791/2€60k-
Transfer to equity691/2€75k€103k▲
To other reserves6921€75k€103k▲
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €103k ▲37%
Operating result €147k, net result €103k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €500kEq €564k ▲13.7%
6 profitable years in a row build equity to €564k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €500kEq €508k ▲8.4%
4 profitable years in a row build equity to €508k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Hamme (Vl.) · 1 establishment unit since 2005
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.
Peperstraat 69220 Hamme (Vl.)Ground area
559 m²
Building footprint
522 m²
Volume, LiDAR
3,612 m³
Parcel 42452B0343/00E000, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VERCAMMEN-VAN GEYTE
since 20052.146.662.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452B0343/00E000 | Flanders | 559 m² | 1 · 522 m² | 11.3 m · 3 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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Of 9,524 companies in sector 43222 we hold annual accounts for 5,657. 3,633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2005
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
47540Retail sale of electrical household appliances
52450
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:052/47.97.57
Fax:052/37.68.31