Summary
VERDICON is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.1m and a net result of -€11,105. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 2460 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
30 d late
2023
on the day
2022
11 d early
2021
4 d early
2020
7 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1.1m▼ 1.0%
2024 · €1.1m
Net result
-€11,105
2024 · €22,876
Total assets
€4.1m▲ 31.2%
2024 · €3.1m
Solvency
26.8%▼ 8.7pp
2024 · 35.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€71,625▲ 76.2%€145,286▲ 103%€55,350▼ 61.9%€29,897▼ 46.0%-€9,058
Net result€52,873within the sector's middle half▲ 81.2%€108,062above the sector's middle half▲ 104%€41,406within the sector's middle half▼ 61.7%€22,876within the sector's middle half▼ 44.8%-€11,105below the sector's middle half
Equity€944,406above the sector's middle half▲ 5.9%€1.1mabove the sector's middle half▲ 11.4%€1.1mabove the sector's middle half▲ 3.9%€1.1mabove the sector's middle half▲ 2.1%€1.1mabove the sector's middle half▼ 1.0%
Total assets€1.3mwithin the sector's middle half▲ 7.4%€1.7mabove the sector's middle half▲ 31.3%€2.1mabove the sector's middle half▲ 24.0%€3.1mabove the sector's middle half▲ 48.9%€4.1mabove the sector's middle half▲ 31.2%
Debt€351,451▲ 11.7%€648,590▲ 84.5%€1.0m▲ 56.5%€2.0m▲ 99.4%€3.0m▲ 49.0%
Working capital-€33,858▲ 72.8%-€416,026▼ 1,129%-€864,752▼ 108%-€1.8m▼ 114%-€2.7m▼ 47.5%
Solvency72.9%above the sector's middle half▼ 1.0pp61.9%within the sector's middle half▼ 11.0pp51.9%within the sector's middle half▼ 10.0pp35.6%within the sector's middle half▼ 16.3pp26.8%within the sector's middle half▼ 8.7pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9,058 after €29,897 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.1m
Fixed assets
€3.8m ▲ 29.3%
Current assets
€284,075 ▲ 64.2%
Equity and liabilities €4.1m
Equity
€1.1m ▼ 1.0%
Debt
€3.0m ▲ 49.0%
Debt's share of the balance-sheet total rises from 64.4% to 73.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.0%▼
2024 · 2.0%
ROA
-0.3%▼
2024 · 0.7%
Debt ≤ 1 year
€3.0m▲
2024 · €2.0m
Income taxes
€1,881▼
2024 · €7,780
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42,721 | €43,093 | €76,391 | €192,202 | €236,611 | ▲ 23.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €26,894 | - |
| Other operating charges640/8 | €9,033 | €12,155 | €11,015 | €37,120 | €33,765 | ▼ 9.0% |
| Gross operating margin9900 | €123,379 | €200,534 | €142,756 | €259,220 | €288,211 | ▲ 11.2% |
| Operating profit (loss)9901 | €71,625 | €145,286 | €55,350 | €29,897 | -€9,058 | ▼ 130% |
| Financial income75/76B | €7 | €345 | €869 | €1,119 | €532 | ▼ 52.4% |
| Recurring financial income75 | €7 | €345 | €869 | €1,119 | €532 | ▼ 52.4% |
| Financial charges65/66B | €1,138 | €1,090 | €850 | €360 | €698 | ▲ 93.8% |
| Recurring financial charges65 | €1,138 | €1,090 | €850 | €360 | €698 | ▲ 93.8% |
| Profit (loss) for the period before taxes9903 | €70,493 | €144,542 | €55,369 | €30,656 | -€9,224 | ▼ 130% |
| Income taxes67/77 | €17,621 | €36,480 | €13,963 | €7,780 | €1,881 | ▼ 75.8% |
| Profit (loss) for the period9904 | €52,873 | €108,062 | €41,406 | €22,876 | -€11,105 | ▼ 149% |
| Profit (loss) for the period to be appropriated9905 | €52,873 | €108,062 | €41,406 | €22,876 | -€11,105 | ▼ 149% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.7m | €2.1m | €3.1m | €4.1m | ▲ 31.2% |
| Fixed assets21/28 | €978,264 | €1.5m | €2.0m | €3.0m | €3.8m | ▲ 29.3% |
| Tangible fixed assets22/27 | €978,264 | €1.5m | €2.0m | €3.0m | €3.8m | ▲ 29.3% |
| Land and buildings22 | €976,157 | €933,873 | €1.9m | €2.3m | €3.2m | ▲ 36.0% |
| Plant, machinery and equipment23 | €2,107 | €1,298 | €1,818 | €881 | €432 | ▼ 51.0% |
| Furniture and vehicles24 | - | - | €105,889 | €199,488 | €583,462 | ▲ 192% |
| Assets under construction and advance payments27 | - | €541,058 | - | €433,991 | €79,959 | ▼ 81.6% |
| Current assets29/58 | €317,593 | €224,829 | €149,307 | €172,984 | €284,075 | ▲ 64.2% |
| Amounts receivable after more than one year29 | €15,005 | €12,785 | €10,565 | €8,345 | €6,125 | ▼ 26.6% |
| Other amounts receivable291 | €15,005 | €12,785 | €10,565 | €8,345 | €6,125 | ▼ 26.6% |
| Amounts receivable within one year40/41 | €37,841 | €61,323 | €32,977 | €137,874 | €275,758 | ▲ 100% |
| Trade receivables40 | €8,033 | €15,503 | €13,382 | €110,556 | €216,587 | ▲ 95.9% |
| Other amounts receivable41 | €29,807 | €45,820 | €19,595 | €27,318 | €59,172 | ▲ 117% |
| Cash at bank and in hand54/58 | €261,990 | €139,245 | €89,365 | €15,839 | €261 | ▼ 98.4% |
| Deferred charges and accrued income490/1 | €2,757 | €11,476 | €16,399 | €10,926 | €1,930 | ▼ 82.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.7m | €2.1m | €3.1m | €4.1m | ▲ 31.2% |
| Equity10/15 | €944,406 | €1.1m | €1.1m | €1.1m | €1.1m | ▼ 1.0% |
| Contributions10/11 | €30,987 | €30,987 | €30,987 | €30,987 | €30,987 | = |
| Reserves13 | €3,099 | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Non-distributable reserves130/1 | €3,099 | €3,099 | - | - | - | - |
| Reserves not available under the articles1311 | €3,099 | €3,099 | - | - | - | - |
| Distributable reserves133 | - | - | €3,099 | €3,099 | €3,099 | = |
| Profit (loss) carried forward14 | €910,321 | €1.0m | €1.1m | €1.1m | €1.1m | ▼ 1.0% |
| Amounts payable17/49 | €351,451 | €648,590 | €1.0m | €2.0m | €3.0m | ▲ 49.0% |
| Amounts payable within one year42/48 | €351,451 | €640,855 | €1.0m | €2.0m | €3.0m | ▲ 49.0% |
| Trade debts44 | €47,548 | €140,841 | €2,105 | €21,496 | €201,410 | ▲ 837% |
| Suppliers440/4 | €47,548 | €140,841 | €2,105 | €21,496 | €201,410 | ▲ 837% |
| Taxes, remuneration and social security45 | €2,621 | €13 | - | - | - | - |
| Taxes450/3 | €2,621 | €13 | - | - | - | - |
| Other amounts payable47/48 | €301,283 | €500,000 | €1.0m | €2.0m | €2.8m | ▲ 40.5% |
| Accrued charges and deferred income492/3 | - | €7,735 | €925 | €1,932 | €4,199 | ▲ 117% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €52,873 | €108,062 | €41,406 | €22,876 | -€11,105 | ▼ 149% |
| + Depreciation and write-downs630 | €42,721 | €43,093 | €76,391 | €192,202 | €236,611 | ▲ 23.1% |
| Operating cash flow (approximation) | €95,594 | €151,155 | €117,797 | €215,078 | €225,505 | ▲ 4.8% |
| Investment in fixed assets (approximation) | - | -€541,058 | -€559,712 | -€1.2m | -€1.1m | ▲ 7.8% |
| Change in cash | - | -€122,745 | -€49,879 | -€73,526 | -€15,578 | ▲ 78.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet -€11,105
Net result drops to -€11,105, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €108,062 ▲104%
Operating result €145,286, net result €108,062, both a record.
31-12
Financial
Equity above €1mEq €1.1m ▲11.4%
5 profitable years in a row build equity to €1.1m.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 69 days late
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 163 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 1997
Ground area
191 m²
Building footprint
191 m²
Volume, LiDAR
1,500 m³
Parcel 46443E0239/00E000, Flanders · tallest building 15.1 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Ankerstraat 104, 9100 Sint-Niklaas
since 19972.081.617.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E0239/00E000 | Flanders | 191 m² | 1 · 191 m² | 15.1 m · 3 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,098 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-11-1996
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0459313113
Also
9925:BE0459313113
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.