VERDEGEM
ActiveThe computed 12-month bankruptcy probability of VERDEGEM is 2.5% (moderate). The 2025 annual accounts show equity of €32k and a net result of €27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 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
Profitability98▼-2
Solvency52▼-48
Growth78=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 4.3 in 2024; short-term debt: 72.7% and cash: 77.8% of total assets), and 72.7% 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 · 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
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
27.3%
Return on assets
23.1%
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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 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
€32k▼ 66.8%
2024 · €97k
2022: €31k
2023: €61k
2024: €97k
2022 → 2025
Total assets
€118k▼ 7.5%
2024 · €128k
2022: €40k
2023: €70k
2024: €128k
2022 → 2025
Net result
€27k▼ 25.3%
2024 · €36k
2022: €26k
2023: €30k
2024: €36k
2022 → 2025
Working capital
€9k▼ 88.6%
2024 · €80k
2022: €21k
2023: €50k
2024: €80k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€31k-€61k▲ 94.7%€97k▲ 60.1%€32k▼ 66.8%
Operating result€32k-€37k▲ 14.5%€46k▲ 23.3%€34k▼ 25.4%
Net result€26k-€30k▲ 12.8%€36k▲ 23.5%€27k▼ 25.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€23k▲ 0.4%
Current assets
€95k▼ 9.3%
Equity and liabilities €118k
Equity
€32k▼ 66.8%
Debt
€86k▲ 182%
The debt ratio rises from 23.8% to 72.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€36k▼
2024 · €47k
Cash flow
€29k▼
2024 · €38k
Solvency
27.3%▼
2024 · 76.2%
Current ratio
1.11▼
2024 · 4.30
Quick ratio
1.11▼
2024 · 4.30
Debt / equity
2.66▲
2024 · 0.31
ROE
84.5%▲
2024 · 37.5%
ROA
23.1%▼
2024 · 28.6%
Interest coverage
780.33▼
2024 · 1019.19
Debt
€86k▲
2024 · €30k
Debt ≤ 1 year
€86k▲
2024 · €24k
Income taxes
€7k▼
2024 · €9k
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€128k€118k▼
Fixed assets21/28€23k€23k▲
Tangible fixed assets22/27€23k€23k▲
Land and buildings22€20k€19k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€1k€3k▲
Current assets29/58€105k€95k▼
Amounts receivable within one year40/41-€3k
Other amounts receivable41-€3k
Cash at bank and in hand54/58€105k€92k▼
Equity and liabilities
Total equity and liabilities10/49€128k€118k▼
Equity10/15€97k€32k▼
Contributions10/11€5k€5k=
Reserves13€92k€27k▼
Distributable reserves133€92k€27k▼
Amounts payable17/49€30k€86k▲
Amounts payable within one year42/48€24k€86k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€20k€84k▲
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€694▼
Gross operating margin9900€48k€37k▼
Operating profit (loss)9901€46k€34k▼
Financial charges65/66B€46€46=
Recurring financial charges65€46€46=
Profit (loss) for the period before taxes9903€46k€34k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€36k€27k▼
Profit (loss) for the period to be appropriated9905€36k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€27k▼
Transfer from equity791/2-€92k
Transfer to equity691/2€36k€27k▼
To other reserves6921€36k€27k▼
Profit to be distributed694/7-€92k
Return on contributions (dividend)694-€92k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2022net €36k ▲23.5%
Operating result €46k, net result €36k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Destelbergen
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.
Vijverstraat(HEU) 149070 DestelbergenGround area
405 m²
Building footprint
95 m²
Parcel 44028C0284/00S004, Flanders. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028C0284/00S004 | Flanders | 405 m² | 1 · 95 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,970 EUR awarded · 3,660 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 990 EUR | 990 EUR |
| 2024 | 1 | 990 EUR | 990 EUR |
| 2023 | 1 | 300 EUR | 990 EUR |
| 2022 | 1 | 690 EUR | 690 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.