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VERDI

Active
Private limited companyfounded 199035 yrs activeBruggestraat(STA) 1, 8840 Staden, BelgiumKBO/BCE: BE 0442.097.888
Summary

VERDI has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €223,201 and a net result of €120,515. Equity is shrinking by ~15.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability87▲+22
Solvency53▲+16
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 7.73 against 10.02 in 2024; short-term debt: 0.3% and cash: 1.9% of total assets), but 72.3% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
27.7%
Return on assets
14.9%
Age of the figures
12 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 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €223,201
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 18-12-2025, 133 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
133 d early
2024
114 d early
2023
116 d early
2022
103 d early
2021
25 d early
2020
133 d early
2019
30 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 93 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 6 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 5 December 1990, VERDI was incorporated.1 Total assets went from EUR 1 million in 2018 to EUR 806,142 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€223,201▲ 117%
2024 · €102,686
Total assets
€806,142▼ 6.9%
2024 · €866,273
Net result
€120,515
2024 · -€27,603
Working capital
€17,554▼ 41.5%
2024 · €29,982
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€46,855▼ 114%-€26,072▲ 44.4%-€22,776▲ 12.6%-€23,723▼ 4.2%€125,529
Net result-€46,932▼ 83.3%-€29,317▲ 37.5%-€25,262▲ 13.8%-€27,603▼ 9.3%€120,515
Equity€184,869▼ 20.2%€155,551▼ 15.9%€130,289▼ 16.2%€102,686▼ 21.2%€223,201▲ 117%
Total assets€947,274▼ 1.4%€919,836▼ 2.9%€891,750▼ 3.1%€866,273▼ 2.9%€806,142▼ 6.9%
Debt€762,406▲ 4.6%€764,285▲ 0.2%€761,461▼ 0.4%€763,587▲ 0.3%€582,941▼ 23.7%
Working capital€32,438€27,860▼ 14.1%€30,021▲ 7.8%€29,982▼ 0.1%€17,554▼ 41.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000€100,000€150,000Operating result 2021: -€46,855-€46,855Net result 2021: -€46,932-€46,932Operating result 2022: -€26,072-€26,072Net result 2022: -€29,317-€29,317Operating result 2023: -€22,776-€22,776Net result 2023: -€25,262-€25,262Operating result 2024: -€23,723-€23,723Net result 2024: -€27,603-€27,603Operating result 2025: €125,529€125,529Net result 2025: €120,515€120,51520212022202320242025-€50,000€0€50,000€100,000€150,000Operating result 2023: -€22,776-€22,800Net result 2023: -€25,262-€25,300Operating result 2024: -€23,723-€23,700Net result 2024: -€27,603-€27,600Operating result 2025: €125,529€126,000Net result 2025: €120,515€121,000202320242025
The operating result returns to profit in 2025: €125,529 after a loss of €23,723 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €806,142
Fixed assets €785,980 ▼ 5.6%
Current assets €20,162 ▼ 39.5%
Equity and liabilities €806,142
Equity €223,201 ▲ 117%
Debt €582,941 ▼ 23.7%
Debt's share of the balance-sheet total falls from 88.1% to 72.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€152,286▲
2024 · €4,282
Cash flow
€147,272▲
2024 · €402
Current ratio
7.73▼
2024 · 10.02
Debt to equity
2.61▼
2024 · 7.44
ROE
54.0%▲
2024 · -26.9%
ROA
14.9%▲
2024 · -3.2%
Interest coverage
429.89▲
2024 · 12.95
Debt ≤ 1 year
€2,608▼
2024 · €3,323
Debt > 1 year
€579,456▼
2024 · €759,407
Income taxes
€4,660▲
2024 · €3,550
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,613 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.

  • Small
  • 20 years or older
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
0.6% went bankrupt
2.0% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,613 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€866,273€806,142▼
Fixed assets21/28€832,967€785,980▼
Tangible fixed assets22/27€832,942€785,980▼
Land and buildings22€820,893€780,090▼
Plant, machinery and equipment23€2,263€386▼
Furniture and vehicles24€9,786€5,504▼
Financial fixed assets28€25€0▼
Current assets29/58€33,305€20,162▼
Amounts receivable within one year40/41€4,186€4,211▲
Trade receivables40€4,151€4,211▲
Other amounts receivable41€36€0▼
Cash at bank and in hand54/58€27,840€15,433▼
Deferred charges and accrued income490/1€1,279€518▼
Equity and liabilities
Total equity and liabilities10/49€866,273€806,142▼
Equity10/15€102,686€223,201▲
Contributions10/11€124,000€124,000=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14-€21,314€99,201▲
Amounts payable17/49€763,587€582,941▼
Amounts payable after more than one year17€759,407€579,456▼
Other amounts payable178/9€759,407€579,456▼
Amounts payable within one year42/48€3,323€2,608▼
Trade debts44€2,728€1,439▼
Suppliers440/4€2,728€1,439▼
Taxes, remuneration and social security45€594€398▼
Taxes450/3€594€398▼
Other amounts payable47/48-€770
Accrued charges and deferred income492/3€857€878▲
Income statement Code20242025
Non-recurring operating income76A-€159,795
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28,005€26,757▼
Other operating charges640/8€3,485€4,455▲
Gross operating margin9900€7,767€156,741▲
Operating profit (loss)9901-€23,723€125,529▲
Financial charges65/66B€331€354▲
Recurring financial charges65€331€354▲
Profit (loss) for the period before taxes9903-€24,054€125,175▲
Income taxes67/77€3,550€4,660▲
Profit (loss) for the period9904-€27,603€120,515▲
Profit (loss) for the period to be appropriated9905-€27,603€120,515▲
Appropriation of the result
Profit (loss) to be appropriated9906-€27,603€99,201▲
Profit (loss) brought forward from the previous period14P--€21,314
Transfer from equity791/2€6,289€0▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A----€159,795-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29,485€28,410€27,975€28,005€26,757▼ 4.5%
Other operating charges640/8€9,157€4,063€3,541€3,485€4,455▲ 27.8%
Gross operating margin9900-€8,212€6,401€8,740€7,767€156,741▲ 1,918%
Operating profit (loss)9901-€46,855-€26,072-€22,776-€23,723€125,529▲ 629%
Financial income75/76B€0-----
Recurring financial income75€0-----
Financial charges65/66B€2,102€220€401€331€354▲ 7.1%
Recurring financial charges65€2,102€220€401€331€354▲ 7.1%
Profit (loss) for the period before taxes9903-€48,957-€26,292-€23,176-€24,054€125,175▲ 620%
Income taxes67/77-€2,024€3,026€2,086€3,550€4,660▲ 31.3%
Profit (loss) for the period9904-€46,932-€29,317-€25,262-€27,603€120,515▲ 537%
Profit (loss) for the period to be appropriated9905-€46,932-€29,317-€25,262-€27,603€120,515▲ 537%
Line20212022202320242025Change
Assets
Total assets20/58€947,274€919,836€891,750€866,273€806,142▼ 6.9%
Fixed assets21/28€912,599€888,649€860,674€832,967€785,980▼ 5.6%
Tangible fixed assets22/27€912,574€888,624€860,649€832,942€785,980▼ 5.6%
Land and buildings22€891,535€867,536€844,214€820,893€780,090▼ 5.0%
Plant, machinery and equipment23€734€2,739€2,367€2,263€386▼ 82.9%
Furniture and vehicles24€20,305€18,349€14,067€9,786€5,504▼ 43.8%
Financial fixed assets28€25€25€25€25€0▼ 100%
Current assets29/58€34,675€31,187€31,076€33,305€20,162▼ 39.5%
Amounts receivable within one year40/41€2,113€5,620€6,093€4,186€4,211▲ 0.6%
Trade receivables40€2,113€5,620€6,093€4,151€4,211▲ 1.5%
Other amounts receivable41---€36€0▼ 100%
Cash at bank and in hand54/58€31,252€24,515€23,461€27,840€15,433▼ 44.6%
Deferred charges and accrued income490/1€1,311€1,052€1,522€1,279€518▼ 59.5%
Equity and liabilities
Total equity and liabilities10/49€947,274€919,836€891,750€866,273€806,142▼ 6.9%
Equity10/15€184,869€155,551€130,289€102,686€223,201▲ 117%
Contributions10/11€124,000€124,000€124,000€124,000€124,000=
Reserves13€60,869€31,551€6,289€0--
Non-distributable reserves130/1€12,400€12,400€0---
Reserves not available under the articles1311€12,400€12,400€0---
Distributable reserves133€48,469€19,151€6,289€0--
Profit (loss) carried forward14----€21,314€99,201▲ 565%
Amounts payable17/49€762,406€764,285€761,461€763,587€582,941▼ 23.7%
Amounts payable after more than one year17€760,169€760,169€759,407€759,407€579,456▼ 23.7%
Other amounts payable178/9€760,169€760,169€759,407€759,407€579,456▼ 23.7%
Amounts payable within one year42/48€2,237€3,327€1,055€3,323€2,608▼ 21.5%
Trade debts44€2,127€2,787€229€2,728€1,439▼ 47.2%
Suppliers440/4€2,127€2,787€229€2,728€1,439▼ 47.2%
Taxes, remuneration and social security45€110€541€826€594€398▼ 33.0%
Taxes450/3€110€541€826€594€398▼ 33.0%
Other amounts payable47/48----€770-
Accrued charges and deferred income492/3-€789€999€857€878▲ 2.4%
Line20212022202320242025Change
Profit (loss) for the period9904-€46,932-€29,317-€25,262-€27,603€120,515▲ 537%
+ Depreciation and write-downs630€29,485€28,410€27,975€28,005€26,757▼ 4.5%
Operating cash flow (approximation)-€17,447-€908€2,713€402€147,272▲ 36,529%
Investment in fixed assets (approximation)--€4,460€0-€299€20,230▲ 6,866%
Change in cash--€6,736-€1,054€4,378-€12,407▼ 383%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2025
18-12
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial Back to profitnet €120,515
Net result €120,515 after 7 loss-making years.
30-09
Financial Equity above €200,000Eq €223,201 ▲117%
Equity rises from €102,686 to €223,201.
06-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
05-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial Liquidity triplescurrent ratio 29.46
Current ratio from 9.37 to 29.46; short-term debt falls from €3,327 to €1,055.
17-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
05-04
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial Weakest financial yearnet -€46,932
Net result drops to -€46,932, the lowest in the series; recovery starts the following year.
30-09
Financial Liquidity times 616current ratio 15.50
Current ratio from 0.03 to 15.50; short-term debt falls from €728,612 to €2,237.
2020
18-12
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
31-03
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
10-05
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 10 days late
2017
16-11
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
24-03
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.
0 of 7 acts read
About the unread acts

We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
7 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, Staden · 1 establishment unit since 2003
seat establishment The establishment unit on the map
Ground area
506 m²
Building footprint
411 m²
Volume, LiDAR
1,623 m³
Parcel 36019A1313/00B002, Flanders · tallest building 12.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bruggestraat(STA) 1, 8840 Staden
Renting and operating of own or leased residential real estate, excluding social housing
since 20032.121.640.715
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
36019A1313/00B002 Flanders 506 m² 1 · 411 m² 12.8 m · 1 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded05-12-1990
Fiscal year end30-09
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.