VERDI
ActiveVERDI has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €-9k. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 21% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
20
/ 100
Critical▼ -31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency20▼-6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.98 against 0.96 in 2024), and 85.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.6%
Return on assets
-4.5%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7293 sector peers (2025).
NBB · sector comparisonPosition among 7293 sector peers
Solvency
better than 21%
← 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 01-09-2026, 32 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
32 d late
2024
27 d late
2023
6 d late
2022
11 d early
2021
5 d late
2020
31 d late
2019
4 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 23.5%
2024 · €40k
2018: €-48k
2019: €-58k
2020: €-60k
2021: €-6k
2022: €2k
2023: €8k
2024: €40k
2018 → 2025
Total assets
€210k▲ 8.9%
2024 · €193k
2018: €133k
2019: €180k
2020: €255k
2021: €214k
2022: €165k
2023: €121k
2024: €193k
2018 → 2025
Net result
€-9k
2024 · €32k
2018: €24
2019: €-9k
2020: €-9k
2021: €54k
2022: €8k
2023: €6k
2024: €32k
2018 → 2025
Working capital
€-3k▲ 43.8%
2024 · €-5k
2018: €-54k
2019: €-77k
2020: €-81k
2021: €-21k
2022: €-7k
2023: €5k
2024: €-5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-6k-€2k€8k▲ 373%€40k▲ 426%€31k▼ 23.5%
Operating result€53k-€9k▼ 83.5%€7k▼ 16.7%€34k▲ 363%€-8k
Net result€54k-€8k▼ 85.6%€6k▼ 22.3%€32k▲ 440%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €34k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€34k▼ 25.9%
Current assets
€176k▲ 19.6%
Equity and liabilities €210k
Equity
€31k▼ 23.5%
Debt
€179k▲ 17.4%
The debt ratio rises from 79.2% to 85.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€6k▼
2024 · €43k
Cash flow
€5k▼
2024 · €42k
Solvency
14.6%▼
2024 · 20.8%
Current ratio
0.98▲
2024 · 0.96
Quick ratio
0.48▼
2024 · 0.57
Debt / equity
5.85▲
2024 · 3.81
ROE
-30.7%▼
2024 · 81.0%
ROA
-4.5%▼
2024 · 16.8%
Interest coverage
3.54▼
2024 · 28.11
Debt
€179k▲
2024 · €153k
Debt ≤ 1 year
€179k▲
2024 · €153k
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€193k€210k▲
Fixed assets21/28€45k€34k▼
Tangible fixed assets22/27€45k€34k▼
Plant, machinery and equipment23€21k€15k▼
Furniture and vehicles24€24k€19k▼
Current assets29/58€147k€176k▲
Stocks and contracts in progress3€61k€90k▲
Stocks30/36€46k€60k▲
Contracts in progress37€15k€29k▲
Amounts receivable within one year40/41€86k€87k▲
Trade receivables40€70k€72k▲
Other amounts receivable41€17k€15k▼
Cash at bank and in hand54/58€0-
Equity and liabilities
Total equity and liabilities10/49€193k€210k▲
Equity10/15€40k€31k▼
Contributions10/11€94k€94k=
Reserves13€31k€31k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€-85k€-94k▼
Amounts payable17/49€153k€179k▲
Amounts payable within one year42/48€153k€179k▲
Financial debts43€15k€18k▲
Credit institutions430/8€15k€18k▲
Trade debts44€719€6k▲
Suppliers440/4€719€6k▲
Taxes, remuneration and social security45€717€3k▲
Taxes450/3€717€3k▲
Other amounts payable47/48€136k€153k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€14k▲
Other operating charges640/8€399€164▼
Gross operating margin9900€44k€7k▼
Operating profit (loss)9901€34k€-8k▼
Financial income75/76B€25€217▲
Recurring financial income75€25€217▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€32k€-9k▼
Profit (loss) for the period9904€32k€-9k▼
Profit (loss) for the period to be appropriated9905€32k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-85k€-94k▼
Profit (loss) brought forward from the previous period14P€-117k€-85k▲
The notes to these accounts (14 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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Back to profitnet €54k
Net result €54k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 142 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 121 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Gent · 1 establishment unit since 2002
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.
Goedingenstraat 549051 GentGround area
2,555 m²
Building footprint
220 m²
Volume, LiDAR
245 m³
Parcel 44002A0005/00L000, Flanders · tallest building 15.7 m. Linked by address, not a title deed.
1 establishment unit
VERDI BVBA
since 20022.115.309.187
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44002A0005/00L000 | Flanders | 2,555 m² | 1 · 220 m² | 15.7 m |
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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METEOL
BE 0788.370.468
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FRIENDS CONSTRUCTION
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CORDEIRO CONSTRUCT
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 12,304 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2002
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43211General electrical installation work
45310
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.