VERCONSULT
ActiveVERCONSULT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €-893. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+43
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.01 against 6.87 in 2024; short-term debt: 12.5% and cash: 2.3% of total assets), and 12.5% 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
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 €-893
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
10 d early
2023
2 d late
2022
41 d early
2021
34 d early
2020
48 d early
2019
55 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▼ 1.2%
2024 · €76k
2018: €118k
2019: €125k
2020: €120k
2021: €103k
2022: €98k
2023: €91k
2024: €76k
2018 → 2025
Total assets
€85k▲ 2.4%
2024 · €83k
2018: €132k
2019: €129k
2020: €122k
2021: €109k
2022: €117k
2023: €99k
2024: €83k
2018 → 2025
Net result
€-893▲ 94.1%
2024 · €-15k
2018: €15k
2019: €8k
2020: €-5k
2021: €-17k
2022: €-6k
2023: €-7k
2024: €-15k
2018 → 2025
Working capital
€43k▼ 5.9%
2024 · €45k
2018: €71k
2019: €84k
2020: €78k
2021: €65k
2022: €52k
2023: €51k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€98k▼ 5.4%€91k▼ 7.2%€76k▼ 16.6%€75k▼ 1.2%
Operating result€-17k-€-5k▲ 68.7%€-7k▼ 29.2%€-15k▼ 121%€-624▲ 95.8%
Net result€-17k-€-6k▲ 66.8%€-7k▼ 25.5%€-15k▼ 114%€-893▲ 94.1%
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 €624 in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€32k▲ 5.9%
Current assets
€53k▲ 0.5%
Equity and liabilities €85k
Equity
€75k▼ 1.2%
Debt
€11k▲ 37.9%
The debt ratio rises from 9.3% to 12.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€824▲
2024 · €-5k
Cash flow
€555▲
2024 · €-5k
Solvency
87.5%▼
2024 · 90.7%
Current ratio
5.01▼
2024 · 6.87
Quick ratio
5.01▼
2024 · 6.87
Debt / equity
0.14▲
2024 · 0.10
ROE
-1.2%▲
2024 · -19.9%
ROA
-1.0%▲
2024 · -18.0%
Interest coverage
3.06▲
2024 · -19.21
Debt
€11k▲
2024 · €8k
Debt ≤ 1 year
€11k▲
2024 · €8k
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€83k€85k▲
Fixed assets21/28€30k€32k▲
Tangible fixed assets22/27€30k€32k▲
Plant, machinery and equipment23€2k€799▼
Furniture and vehicles24-€3k
Assets under construction and advance payments27€28k€28k=
Financial fixed assets28€58€58=
Current assets29/58€53k€53k▲
Amounts receivable within one year40/41€43k€44k▲
Trade receivables40€43k€43k▲
Other amounts receivable41€142€813▲
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€83k€85k▲
Equity10/15€76k€75k▼
Contributions10/11€9k€9k=
Profit (loss) carried forward14€66k€65k▼
Amounts payable17/49€8k€11k▲
Amounts payable within one year42/48€8k€11k▲
Trade debts44€288-
Suppliers440/4€288-
Other amounts payable47/48€7k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€1k▼
Other operating charges640/8€222€145▼
Gross operating margin9900€-5k€969▲
Operating profit (loss)9901€-15k€-624▲
Financial charges65/66B€250€269▲
Recurring financial charges65€250€269▲
Profit (loss) for the period before taxes9903€-15k€-893▲
Profit (loss) for the period9904€-15k€-893▲
Profit (loss) for the period to be appropriated9905€-15k€-893▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€65k▼
Profit (loss) brought forward from the previous period14P€81k€66k▼
The notes to these accounts (8 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
13-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Liquidity doublescurrent ratio 55.69
Current ratio from 22.92 to 55.69; short-term debt falls from €4k to €1k.
06-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Liquidity quadruplescurrent ratio 22.92
Current ratio from 5.86 to 22.92; short-term debt falls from €15k to €4k.
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-03
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
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, Keerbergen · 1 establishment unit since 1998
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.
Ruandadreef 223140 KeerbergenGround area
1,824 m²
Building footprint
230 m²
Volume, LiDAR
893 m³
Parcel 24472F0182/00A002, Flanders · tallest building 5.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Ruandadreef 22, 3140 Keerbergen
since 19982.053.081.808
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0182/00A002 | Flanders | 1,824 m² | 1 · 230 m² | 5.0 m · 1 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.
Similar companies · same sector, comparable size
be.SMART Consulting
BE 0563.320.471
Braine-l'Alleud · Eq €75k
B SMART-TRADE
BE 0823.986.393
Bilzen-Hoeselt · Eq €75k
P.L. SALES
BE 0445.775.475
Tremelo · Eq €75k
CROSSROADS J.S.
BE 0756.768.660
Geel · Eq €75k
D.B.S.
BE 0442.459.857
Brugge · Eq €75k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-1991
Fiscal year end30-09
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.