VERDAM
ActiveSummary
VERDAM has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €43k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 81% of 13417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+85
Solvency92▲+31
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 1.35 in 2024; short-term debt: 33.1% and cash: 41.1% of total assets), and 33.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
66.9%
Return on assets
43.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €65k
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
31 d early
2023
34 d early
2022
35 d early
2021
4 d early
2020
36 d early
2019
15 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▲ 188%
2024 · €23k
2018: €39k
2019: €41k▲ +3.9% vs 2018
2020: €22k▼ -45.7% vs 2019
2021: €28k▲ +28.9% vs 2020
2022: €10k▼ -63.9% vs 2021lowest in 8 years
2023: €29k▲ +180% vs 2022
2024: €23k▼ -21.0% vs 2023
2025: €65k▲ +188% vs 2024highest in 8 years
2018 → 2025
Total assets
€98k▲ 55.8%
2024 · €63k
2018: €83k
2019: €71k▼ -14.4% vs 2018
2020: €45k▼ -36.4% vs 2019lowest in 8 years
2021: €72k▲ +59.9% vs 2020
2022: €66k▼ -8.7% vs 2021
2023: €70k▲ +6.9% vs 2022
2024: €63k▼ -10.5% vs 2023
2025: €98k▲ +55.8% vs 2024highest in 8 years
2018 → 2025
Net result
€43k
2024 · €-6k
2018: €-421
2019: €2k▲ +460% vs 2018
2020: €-19k▼ -1326% vs 2019lowest in 8 years
2021: €6k▲ +134% vs 2020
2022: €-18k▼ -385% vs 2021
2023: €19k▲ +202% vs 2022
2024: €-6k▼ -133% vs 2023
2025: €43k▲ +808% vs 2024highest in 8 years
2018 → 2025
Working capital
€35k▲ 236%
2024 · €10k
2018: €19k
2019: €14k▼ -28.4% vs 2018
2020: €1k▼ -90.2% vs 2019
2021: €21k▲ +1456% vs 2020
2022: €-4k▼ -120% vs 2021lowest in 8 years
2023: €14k▲ +445% vs 2022
2024: €10k▼ -24.8% vs 2023
2025: €35k▲ +236% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€10k▼ 63.9%€29k▲ 180%€23k▼ 21.0%€65k▲ 188%
2021: €28k
2022: €10k▼ -63.9% vs 2021lowest in 5 years
2023: €29k▲ +180% vs 2022
2024: €23k▼ -21.0% vs 2023
2025: €65k▲ +188% vs 2024highest in 5 years
Operating result€7k-€-16k€22k€-4k€51k
2021: €7k
2022: €-16k▼ -330% vs 2021lowest in 5 years
2023: €22k▲ +235% vs 2022
2024: €-4k▼ -120% vs 2023
2025: €51k▲ +1300% vs 2024highest in 5 years
Net result€6k-€-18k€19k€-6k€43k
2021: €6k
2022: €-18k▼ -385% vs 2021lowest in 5 years
2023: €19k▲ +202% vs 2022
2024: €-6k▼ -133% vs 2023
2025: €43k▲ +808% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €51k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€30k ▲ 33.9%
Current assets
€67k ▲ 68.2%
Equity and liabilities €98k
Equity
€65k ▲ 188%
Debt
€32k ▼ 19.2%
Debt's share of the balance-sheet total falls from 63.8% to 33.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▲
2024 · €3k
Cash flow
€45k▲
2024 · €1k
Current ratio
2.08▲
2024 · 1.35
Quick ratio
1.48▲
2024 · 1.11
Debt to equity
0.49▼
2024 · 1.77
ROE
65.3%▲
2024 · -26.6%
ROA
43.7%▲
2024 · -9.6%
Interest coverage
11.79▲
2024 · 0.96
Debt ≤ 1 year
€32k▲
2024 · €30k
Debt > 1 year
€0▼
2024 · €10k
Income taxes
€5k▲
2024 · €310
Staff costs
€43k▼
2024 · €80k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€63k€98k▲
Fixed assets21/28€23k€30k▲
Tangible fixed assets22/27€23k€10k▼
Plant, machinery and equipment23€611€2k▲
Furniture and vehicles24€22k€8k▼
Financial fixed assets28-€20k
Current assets29/58€40k€67k▲
Stocks and contracts in progress3€7k€20k▲
Stocks30/36€7k€20k▲
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€4k€7k▲
Other amounts receivable41€822€882▲
Cash at bank and in hand54/58€23k€40k▲
Deferred charges and accrued income490/1€5k€0▼
Equity and liabilities
Total equity and liabilities10/49€63k€98k▲
Equity10/15€23k€65k▲
Contributions10/11€30k€30k=
Reserves13€11k€35k▲
Distributable reserves133€11k€35k▲
Profit (loss) carried forward14€-18k€0▲
Amounts payable17/49€40k€32k▼
Amounts payable after more than one year17€10k€0▼
Financial debts170/4€10k€0▼
Amounts payable within one year42/48€30k€32k▲
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€17k€22k▲
Taxes450/3€5k€19k▲
Remuneration and social security454/9€12k€3k▼
Other amounts payable47/48€3k€308▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€80k€43k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8€7k€10k▲
Gross operating margin9900€91k€105k▲
Operating profit (loss)9901€-4k€51k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-6k€48k▲
Income taxes67/77€310€5k▲
Profit (loss) for the period9904€-6k€43k▲
Profit (loss) for the period to be appropriated9905€-6k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€25k▲
Profit (loss) brought forward from the previous period14P€-12k€-18k▼
Transfer from equity791/2-€9k
Transfer to equity691/2-€34k
To other reserves6921-€34k
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €32k | €66k | €72k | €80k | €43k | ▼ 46.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €4k | €7k | €7k | €2k | ▼ 72.0% |
| Other operating charges640/8 | €2k | €4k | €8k | €7k | €10k | ▲ 29.8% |
| Gross operating margin9900 | €51k | €58k | €109k | €91k | €105k | ▲ 16.2% |
| Operating profit (loss)9901 | €7k | €-16k | €22k | €-4k | €51k | ▲ 1,300% |
| Financial income75/76B | €55 | €11 | €188 | €1k | €1k | ▼ 3.0% |
| Recurring financial income75 | €55 | €11 | €188 | €1k | €1k | ▼ 3.0% |
| Financial charges65/66B | €438 | €2k | €3k | €3k | €4k | ▲ 48.4% |
| Recurring financial charges65 | €438 | €2k | €3k | €3k | €4k | ▲ 48.4% |
| Profit (loss) for the period before taxes9903 | €7k | €-18k | €19k | €-6k | €48k | ▲ 929% |
| Income taxes67/77 | €206 | €165 | €234 | €310 | €5k | ▲ 1,436% |
| Profit (loss) for the period9904 | €6k | €-18k | €19k | €-6k | €43k | ▲ 808% |
| Profit (loss) for the period to be appropriated9905 | €6k | €-18k | €19k | €-6k | €43k | ▲ 808% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €72k | €66k | €70k | €63k | €98k | ▲ 55.8% |
| Fixed assets21/28 | €17k | €15k | €30k | €23k | €30k | ▲ 33.9% |
| Tangible fixed assets22/27 | €8k | €6k | €30k | €23k | €10k | ▼ 54.1% |
| Land and buildings22 | €150 | €0 | - | - | - | - |
| Plant, machinery and equipment23 | €2k | €1k | €997 | €611 | €2k | ▲ 236% |
| Furniture and vehicles24 | €6k | €5k | €29k | €22k | €8k | ▼ 62.1% |
| Financial fixed assets28 | €9k | €9k | €0 | - | €20k | - |
| Current assets29/58 | €55k | €51k | €40k | €40k | €67k | ▲ 68.2% |
| Stocks and contracts in progress3 | €4k | €6k | €7k | €7k | €20k | ▲ 175% |
| Stocks30/36 | €4k | €6k | €7k | €7k | €20k | ▲ 175% |
| Amounts receivable within one year40/41 | - | €2k | €877 | €5k | €8k | ▲ 44.6% |
| Trade receivables40 | - | €1k | €0 | €4k | €7k | ▲ 51.5% |
| Other amounts receivable41 | - | €342 | €877 | €822 | €882 | ▲ 7.3% |
| Cash at bank and in hand54/58 | €50k | €40k | €28k | €23k | €40k | ▲ 73.6% |
| Deferred charges and accrued income490/1 | €900 | €4k | €4k | €5k | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €72k | €66k | €70k | €63k | €98k | ▲ 55.8% |
| Equity10/15 | €28k | €10k | €29k | €23k | €65k | ▲ 188% |
| Contributions10/11 | €30k | €30k | €30k | €30k | €30k | = |
| Reserves13 | €11k | €11k | €11k | €11k | €35k | ▲ 235% |
| Non-distributable reserves130/1 | €3k | €3k | €0 | - | - | - |
| Reserves not available under the articles1311 | €3k | €3k | €0 | - | - | - |
| Distributable reserves133 | €8k | €8k | €11k | €11k | €35k | ▲ 235% |
| Profit (loss) carried forward14 | €-12k | €-30k | €-12k | €-18k | €0 | ▲ 100% |
| Amounts payable17/49 | €44k | €55k | €41k | €40k | €32k | ▼ 19.2% |
| Amounts payable after more than one year17 | €9k | €0 | €14k | €10k | €0 | ▼ 100% |
| Financial debts170/4 | €9k | €0 | €14k | €10k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €34k | €55k | €26k | €30k | €32k | ▲ 9.2% |
| Current portion of amounts payable after more than one year42 | €7k | €12k | €4k | €4k | €0 | ▼ 100% |
| Trade debts44 | €4k | €15k | €2k | €6k | €9k | ▲ 49.7% |
| Suppliers440/4 | €4k | €15k | €2k | €6k | €9k | ▲ 49.7% |
| Advances received on contracts in progress46 | - | - | - | - | €1k | - |
| Taxes, remuneration and social security45 | €9k | €15k | €19k | €17k | €22k | ▲ 28.9% |
| Taxes450/3 | €3k | €4k | €4k | €5k | €19k | ▲ 309% |
| Remuneration and social security454/9 | €6k | €11k | €15k | €12k | €3k | ▼ 79.0% |
| Other amounts payable47/48 | €14k | €13k | €2k | €3k | €308 | ▼ 89.3% |
| Accrued charges and deferred income492/3 | - | €381 | €573 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €-18k | €19k | €-6k | €43k | ▲ 808% |
| + Depreciation and write-downs630 | €10k | €4k | €7k | €7k | €2k | ▼ 72.0% |
| Operating cash flow (approximation) | €16k | €-14k | €26k | €1k | €45k | ▲ 4,154% |
| Investment in fixed assets (approximation) | - | €-2k | €-22k | €0 | €-10k | - |
| Change in cash | - | €-10k | €-11k | €-5k | €17k | ▲ 430% |
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
Show earlier events
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2008
Ground area
100 m²
Building footprint
94 m²
Volume, LiDAR
729 m³
Parcel 44021A0401/00C000, Flanders · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CAFE 'T EINDE DER BESCHAVING
since 20082.168.572.877
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A0401/00C000 | Flanders | 100 m² | 1 · 94 m² | 14.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.168.572.877
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Of 14,009 companies in sector 56301 we hold annual accounts for 4,892. 3,961 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
Founded16-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Contact
E-mail
teinde@hotmail.comGent
Phone
0478255054Gent
Scores and ratios are computed by Checked and are not a credit decision.