VERCOTECH
ActiveThe computed 12-month bankruptcy probability of VERCOTECH is 4.2% (elevated). The 2025 annual accounts show equity of €34k and a net result of €10k. Equity is growing by ~31.2% per year across the filed fiscal years. Its solvency ranks better than 12% of 27451 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-17
Solvency31▼-66
Growth52=
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 3.63 against 3.55 in 2024; short-term debt: 27.6% and cash: 1.3% of total assets), but 93.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
6.4%
Return on assets
1.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 27451 sector peers (2025).
NBB · sector comparisonPosition among 27451 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
6 d early
2023
19 d early
← 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
€34k▲ 41.0%
2024 · €24k
2023: €19k
2024: €24k
2023 → 2025
Total assets
€528k▲ 1,490%
2024 · €33k
2023: €43k
2024: €33k
2023 → 2025
Net result
€10k▲ 91.1%
2024 · €5k
2023: €17k
2024: €5k
2023 → 2025
Working capital
€382k▲ 1,529%
2024 · €23k
2023: €18k
2024: €23k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€24k▲ 27.3%€34k▲ 41.0%
Operating result€22k-€8k▼ 63.9%€15k▲ 88.5%
Net result€17k-€5k▼ 69.9%€10k▲ 91.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 88% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €528k
Fixed assets
€282▼ 47.8%
Current assets
€528k▲ 1,516%
Equity and liabilities €528k
Equity
€34k▲ 41.0%
Debt
€494k▲ 5,273%
The debt ratio rises from 27.7% to 93.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €8k
Cash flow
€10k▲
2024 · €5k
Solvency
6.4%▼
2024 · 72.3%
Current ratio
3.63▲
2024 · 3.55
Quick ratio
0.29▼
2024 · 3.55
Debt / equity
14.60▲
2024 · 0.38
ROE
29.1%▲
2024 · 21.5%
ROA
1.9%▼
2024 · 15.5%
Interest coverage
7.14▼
2024 · 10.69
Debt
€494k▲
2024 · €9k
Debt ≤ 1 year
€146k▲
2024 · €9k
Debt > 1 year
€349k
Income taxes
€3k▲
2024 · €2k
Staff costs
€-125▼
2024 · €7k
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€33k€528k▲
Fixed assets21/28€540€282▼
Tangible fixed assets22/27€540€282▼
Plant, machinery and equipment23-€129
Furniture and vehicles24€540€153▼
Current assets29/58€33k€528k▲
Stocks and contracts in progress3-€486k
Stocks30/36-€486k
Amounts receivable within one year40/41€4k€35k▲
Trade receivables40€3k€35k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€27k€7k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€33k€528k▲
Equity10/15€24k€34k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€22k€32k▲
Amounts payable17/49€9k€494k▲
Amounts payable after more than one year17-€349k
Financial debts170/4-€349k
Amounts payable within one year42/48€9k€146k▲
Trade debts44€7k€37k▲
Suppliers440/4€7k€37k▲
Taxes, remuneration and social security45€2k€17k▲
Taxes450/3€2k€17k▲
Remuneration and social security454/9€391-
Other amounts payable47/48€38€92k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k€-125▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€284€258▼
Other operating charges640/8€5k€1k▼
Non-recurring operating charges66A€514-
Gross operating margin9900€21k€16k▼
Operating profit (loss)9901€8k€15k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€757€2k▲
Recurring financial charges65€757€2k▲
Profit (loss) for the period before taxes9903€7k€13k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€5k€10k▲
Profit (loss) for the period to be appropriated9905€5k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€32k▲
Profit (loss) brought forward from the previous period14P€17k€22k▲
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €5k ▼69.9%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.55
Current ratio from 1.75 to 3.55; short-term debt falls from €24k to €9k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Agatha-Berchem · 1 establishment unit since 2022
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.
Rozengaardstraat 131082 Sint-Agatha-BerchemGround area
295 m²
Building footprint
164 m²
Volume, LiDAR
1,692 m³
2 parcels, Brussels · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
VERCOTECH
since 20222.340.220.515
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0086/00Y002 | Brussels | 219 m² | 1 · 98 m² | 11.5 m · 3 fl. |
| 21006A0392/00B007 | Brussels | 76 m² | 1 · 66 m² | 13.1 m · 4 fl. |
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.
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,324. 8,131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2022
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.