VERDEFIN
ActiveVERDEFIN has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €25k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 41% of 1043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+2
Solvency48▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.75 against 0.64 in 2024; short-term debt: 17.7% and cash: 12.1% of total assets), and 77.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
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
22.6%
Return on assets
3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
21 d late
2023
33 d early
2022
3 d early
2021
30 d late
2020
3 d early
2019
43 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€185k▲ 15.6%
2024 · €160k
2018: €96k
2019: €109k
2020: €109k
2021: €125k
2022: €148k
2023: €143k
2024: €160k
2018 → 2025
Total assets
€819k▲ 4.0%
2024 · €788k
2018: €426k
2019: €415k
2020: €522k
2021: €547k
2022: €530k
2023: €673k
2024: €788k
2018 → 2025
Net result
€25k▲ 45.2%
2024 · €17k
2018: €16k
2019: €15k
2020: €2k
2021: €17k
2022: €23k
2023: €-5k
2024: €17k
2018 → 2025
Working capital
€-36k▲ 27.5%
2024 · €-49k
2018: €88k
2019: €99k
2020: €-70k
2021: €-81k
2022: €-72k
2023: €-260k
2024: €-49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€148k▲ 18.2%€143k▼ 3.4%€160k▲ 12.0%€185k▲ 15.6%
Operating result€36k-€37k▲ 0.7%€-4k€25k€37k▲ 48.1%
Net result€17k-€23k▲ 33.0%€-5k€17k€25k▲ 45.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 48% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €819k
Fixed assets
€710k▲ 1.3%
Current assets
€109k▲ 26.1%
Equity and liabilities €819k
Equity
€185k▲ 15.6%
Debt
€635k▲ 1.1%
The debt ratio falls from 79.7% to 77.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€61k▲
2024 · €46k
Cash flow
€50k▲
2024 · €38k
Solvency
22.6%▲
2024 · 20.3%
Current ratio
0.75▲
2024 · 0.64
Quick ratio
0.75▲
2024 · 0.64
Debt / equity
3.43▼
2024 · 3.93
ROE
13.5%▲
2024 · 10.7%
ROA
3.0%▲
2024 · 2.2%
Interest coverage
164.29▲
2024 · 105.53
Debt
€635k▲
2024 · €628k
Debt ≤ 1 year
€145k▲
2024 · €136k
Debt > 1 year
€490k▼
2024 · €492k
Income taxes
€12k▲
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€788k€819k▲
Fixed assets21/28€701k€710k▲
Tangible fixed assets22/27€635k€645k▲
Land and buildings22€635k€645k▲
Furniture and vehicles24€2-
Financial fixed assets28€66k€66k=
Current assets29/58€87k€109k▲
Amounts receivable within one year40/41€4k€10k▲
Trade receivables40€3k€3k=
Other amounts receivable41€1k€7k▲
Cash at bank and in hand54/58€83k€99k▲
Equity and liabilities
Total equity and liabilities10/49€788k€819k▲
Equity10/15€160k€185k▲
Contributions10/11€19k€19k=
Reserves13€144k€166k▲
Distributable reserves133€144k€166k▲
Profit (loss) carried forward14€-3k-
Amounts payable17/49€628k€635k▲
Amounts payable after more than one year17€492k€490k▼
Financial debts170/4€2k-
Other amounts payable178/9€490k€490k=
Amounts payable within one year42/48€136k€145k▲
Current portion of amounts payable after more than one year42€9k€2k▼
Trade debts44-€264
Suppliers440/4-€264
Taxes, remuneration and social security45€10k€21k▲
Taxes450/3€10k€21k▲
Other amounts payable47/48€116k€121k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€25k€7k▼
Gross operating margin9900€71k€68k▼
Operating profit (loss)9901€25k€37k▲
Financial income75/76B€11€0▼
Recurring financial income75€11€0▼
Financial charges65/66B€436€374▼
Recurring financial charges65€436€374▼
Profit (loss) for the period before taxes9903€24k€36k▲
Income taxes67/77€7k€12k▲
Profit (loss) for the period9904€17k€25k▲
Profit (loss) for the period to be appropriated9905€17k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€22k▲
Profit (loss) brought forward from the previous period14P€-5k€-3k▲
Transfer to equity691/2€15k€22k▲
To other reserves6921€15k€22k▲
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Highest result since 2018net €25k ▲45.2%
Operating result €37k, net result €25k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Equity above €150kEq €160k ▲12%
Equity rises from €143k to €160k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-5k ▼122%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €109k ▲13.5%
2 profitable years in a row build equity to €109k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Tessenderlo-Ham · 1 establishment unit since 1995
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.
Vismarkt (C) 233980 Tessenderlo-HamGround area
349 m²
Building footprint
348 m²
Volume, LiDAR
2,327 m³
Parcel 71362B0157/00P000, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VERDEFIN
since 19952.029.710.845
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71362B0157/00P000 | Flanders | 349 m² | 1 · 348 m² | 9.8 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 24,863 companies in sector 96220 we hold annual accounts for 1,443. 830 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-1987
Fiscal year end31-12
Activities, NACEBEL
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.