Verdi Concept
ActiveVerdi Concept has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €-571. Equity is shrinking by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+8
Solvency34▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
9.4%
Return on assets
-0.8%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-571
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
30 d late
2022
31 d late
2021
30 d late
2020
30 d late
2019
5 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€163k
EBIT margin
10.8%
Net result
€-571▲ 91.2%
2024 · €-6k
2019: €13k
2020: €16k
2021: €5k
2022: €-2k
2023: €-25k
2024: €-6k
2019 → 2025
Working capital
€-16k▲ 58.2%
2024 · €-37k
2019: €19k
2020: €35k
2021: €-63k
2022: €-51k
2023: €-53k
2024: €-37k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€38k▼ 5.5%€13k▼ 64.7%€7k▼ 48.2%€6k▼ 8.2%
Operating result€10k-€2k▼ 78.7%€-23k€-6k▲ 73.0%€-347▲ 94.5%
Net result€5k-€-2k€-25k▼ 1,017%€-6k▲ 73.6%€-571▲ 91.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €347 in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€22k▼ 50.3%
Current assets
€46k▼ 13.4%
Equity and liabilities €68k
Equity
€6k▼ 8.2%
Debt
€62k▼ 31.8%
The debt ratio falls from 92.9% to 90.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▲
2024 · €16k
Cash flow
€22k▲
2024 · €16k
Solvency
9.4%▲
2024 · 7.1%
Current ratio
0.75▲
2024 · 0.59
Quick ratio
0.36▼
2024 · 0.38
Debt / equity
9.68▼
2024 · 13.03
ROE
-8.9%▲
2024 · -93.1%
ROA
-0.8%▲
2024 · -6.6%
Interest coverage
97.93▲
2024 · 88.75
Debt
€62k▼
2024 · €91k
Debt ≤ 1 year
€62k▼
2024 · €91k
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€98k€68k▼
Fixed assets21/28€44k€22k▼
Tangible fixed assets22/27€37k€14k▼
Furniture and vehicles24€37k€14k▼
Financial fixed assets28€8k€8k=
Current assets29/58€53k€46k▼
Stocks and contracts in progress3€19k€24k▲
Stocks30/36€19k€24k▲
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€4k€2k▼
Cash at bank and in hand54/58€30k€20k▼
Equity and liabilities
Total equity and liabilities10/49€98k€68k▼
Equity10/15€7k€6k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-1k€-2k▼
Amounts payable17/49€91k€62k▼
Amounts payable within one year42/48€91k€62k▼
Financial debts43€18k€3k▼
Other loans439€18k€3k▼
Trade debts44€34k€22k▼
Suppliers440/4€34k€22k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€33k€33k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k=
Other operating charges640/8€5k€11k▲
Gross operating margin9900€21k€33k▲
Operating profit (loss)9901€-6k€-347▲
Financial charges65/66B€180€224▲
Recurring financial charges65€180€224▲
Profit (loss) for the period before taxes9903€-6k€-571▲
Profit (loss) for the period9904€-6k€-571▲
Profit (loss) for the period to be appropriated9905€-6k€-571▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-2k▼
Profit (loss) brought forward from the previous period14P€5k€-1k▼
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2019net €16k ▲24%
Operating result €18k, net result €16k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2018
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.
Dendermondsesteenweg 689000 GentGround area
405 m²
Building footprint
119 m²
Volume, LiDAR
751 m³
Parcel 44804D0201/00S004, Flanders · tallest building 12.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Verdi Concept
since 20182.276.948.207
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D0201/00S004 | Flanders | 405 m² | 1 · 119 m² | 12.3 m · 1 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.
Similar companies · same sector, comparable size
A.E.M.
BE 0438.590.151
Lille · Eq €7k
ELYE
BE 0430.181.241
Gent · Eq €6k
Zedesse International Service
BE 0899.059.346
Seraing · Eq €6k
J. BOXUS
BE 0428.607.366
Huy · Eq €6k
Yassin-Electronics
BE 0561.836.668
Antwerpen · Eq €7k
Of 1,510 companies in sector 47540 we hold annual accounts for 805. 204 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-06-2018
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.