VERDIE
ActiveSummary
VERDIE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93,529 and a net result of €3,030. Equity is growing by ~3.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▼-3
Solvency40▲+1
Growth35=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.85 in 2024; short-term debt: 42.4% and cash: 0.7% of total assets), and 85% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
15%
Return on assets
0.5%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-02-2026, 20 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
20 d late
2024
4 d late
2023
26 d late
2022
on the day
2021
22 d late
2020
28 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 18 days after 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€17,400▲ 55.4%
2021 · €11,200
EBIT margin
29.6%▲ 48.4pp
2021 · -18.8%
Net result
€3,030▼ 57.0%
2024 · €7,049
Working capital
-€46,581▼ 21.5%
2024 · -€38,344
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
Turnover€11,200▼ 36.2%€17,400▲ 55.4%
Operating result-€2,103€5,147€1,905▼ 63.0%€11,677▲ 513%€6,981▼ 40.2%
Net result-€5,388€2,458-€3,731€7,049€3,030▼ 57.0%
EBIT margin-18.8%▼ 58.5pp29.6%▲ 48.4pp
Equity€75,662▼ 6.6%€78,120▲ 3.2%€83,450▲ 6.8%€90,499▲ 8.4%€93,529▲ 3.3%
Total assets€303,847▲ 36.5%€406,673▲ 33.8%€643,508▲ 58.2%€634,576▼ 1.4%€625,464▼ 1.4%
Debt€169,661▲ 104%€266,513▲ 57.1%€509,169▲ 91.0%€494,681▼ 2.8%€484,032▼ 2.2%
Working capital€31,758▼ 38.6%€27,366▼ 13.8%-€40,827-€38,344▲ 6.1%-€46,581▼ 21.5%
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 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €625,464
Fixed assets
€406,789 ▼ 3.1%
Current assets
€218,675 ▲ 1.8%
Equity and liabilities €625,464
Equity
€93,529 ▲ 3.3%
Provisions
€47,903 ▼ 3.0%
Debt
€484,032 ▼ 2.2%
Debt's share of the balance-sheet total falls from 78.0% to 77.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25,218▼
2024 · €29,764
Cash flow
€21,267▼
2024 · €25,136
Current ratio
0.82▼
2024 · 0.85
Debt to equity
5.18▼
2024 · 5.47
ROE
3.2%▼
2024 · 7.8%
ROA
0.5%▼
2024 · 1.1%
Interest coverage
3.88▼
2024 · 4.16
Debt ≤ 1 year
€265,256▲
2024 · €253,135
Debt > 1 year
€215,825▼
2024 · €237,913
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,653 companies that looked in July 2024 the way this one looks now, 0.9% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
0.9%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.6% |
| 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 74% 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 4,653 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €11,200 | €17,400 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €1,369 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,658 | €9,041 | €13,826 | €18,087 | €18,238 | ▲ 0.8% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €3,517 | -€1,294 | - | - | - |
| Other operating charges640/8 | - | €1,844 | €2,460 | €2,832 | €3,128 | ▲ 10.4% |
| Gross operating margin9900 | €8,418 | €19,548 | €16,896 | €32,596 | €28,346 | ▼ 13.0% |
| Operating profit (loss)9901 | -€2,103 | €5,147 | €1,905 | €11,677 | €6,981 | ▼ 40.2% |
| Financial income75/76B | - | €670 | €977 | €1,027 | €1,055 | ▲ 2.7% |
| Recurring financial income75 | €184 | €670 | €977 | €1,027 | €1,055 | ▲ 2.7% |
| Financial charges65/66B | - | €3,359 | €7,409 | €7,148 | €6,499 | ▼ 9.1% |
| Recurring financial charges65 | €3,469 | €3,359 | €7,409 | €7,148 | €6,499 | ▼ 9.1% |
| Profit (loss) for the period before taxes9903 | -€5,388 | €2,458 | -€4,527 | €5,556 | €1,537 | ▼ 72.3% |
| Transfer from deferred taxes780 | - | - | €796 | €1,493 | €1,493 | = |
| Profit (loss) for the period9904 | -€5,388 | €2,458 | -€3,731 | €7,049 | €3,030 | ▼ 57.0% |
| Transfer from tax-exempt reserves789 | - | - | €2,388 | €4,479 | €4,479 | = |
| Profit (loss) for the period to be appropriated9905 | -€5,388 | €2,458 | -€1,343 | €11,528 | €7,508 | ▼ 34.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €303,847 | €406,673 | €643,508 | €634,576 | €625,464 | ▼ 1.4% |
| Fixed assets21/28 | €161,087 | €159,859 | €437,872 | €419,785 | €406,789 | ▼ 3.1% |
| Tangible fixed assets22/27 | €161,087 | €159,859 | €437,872 | €419,785 | €406,789 | ▼ 3.1% |
| Land and buildings22 | - | €133,378 | €415,969 | €399,567 | €383,164 | ▼ 4.1% |
| Plant, machinery and equipment23 | - | €9,547 | €12,781 | €11,096 | €14,503 | ▲ 30.7% |
| Other tangible fixed assets26 | - | €9,122 | €9,122 | €9,122 | €9,122 | = |
| Assets under construction and advance payments27 | - | €7,813 | - | - | - | - |
| Current assets29/58 | €142,760 | €246,814 | €205,636 | €214,791 | €218,675 | ▲ 1.8% |
| Amounts receivable after more than one year29 | - | - | €200,876 | €207,929 | €212,331 | ▲ 2.1% |
| Other amounts receivable291 | - | - | €200,876 | €207,929 | €212,331 | ▲ 2.1% |
| Amounts receivable within one year40/41 | €98,822 | €187,106 | €197 | - | - | - |
| Other amounts receivable41 | - | €187,106 | €197 | - | - | - |
| Cash at bank and in hand54/58 | €40,467 | €58,285 | €3,474 | €4,785 | €4,170 | ▼ 12.9% |
| Deferred charges and accrued income490/1 | - | €1,423 | €1,089 | €2,078 | €2,174 | ▲ 4.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €303,847 | €406,673 | €643,508 | €634,576 | €625,464 | ▼ 1.4% |
| Equity10/15 | €75,662 | €78,120 | €83,450 | €90,499 | €93,529 | ▲ 3.3% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €139,325 | €139,325 | €145,998 | €141,519 | €137,040 | ▼ 3.2% |
| Tax-exempt reserves132 | - | €139,325 | €145,998 | €141,519 | €137,040 | ▼ 3.2% |
| Profit (loss) carried forward14 | -€82,263 | -€79,805 | -€81,148 | -€69,620 | -€62,112 | ▲ 10.8% |
| Provisions and deferred taxes16 | €58,523 | €62,041 | €50,889 | €49,396 | €47,903 | ▼ 3.0% |
| Provisions for liabilities and charges160/5 | - | €3,517 | €2,223 | €2,223 | €2,223 | = |
| Major repairs and maintenance162 | - | €2,223 | €2,223 | €2,223 | €2,223 | = |
| Other liabilities and charges164/5 | - | €1,294 | - | - | - | - |
| Deferred taxes168 | - | €58,523 | €48,666 | €47,173 | €45,680 | ▼ 3.2% |
| Amounts payable17/49 | €169,661 | €266,513 | €509,169 | €494,681 | €484,032 | ▼ 2.2% |
| Amounts payable after more than one year17 | €57,495 | €45,446 | €259,181 | €237,913 | €215,825 | ▼ 9.3% |
| Financial debts170/4 | - | €45,446 | €259,181 | €237,913 | €215,825 | ▼ 9.3% |
| Amounts payable within one year42/48 | €111,001 | €219,448 | €246,464 | €253,135 | €265,256 | ▲ 4.8% |
| Current portion of amounts payable after more than one year42 | - | €13,028 | €22,153 | €23,004 | €23,891 | ▲ 3.9% |
| Financial debts43 | - | €40,000 | €40,278 | €43,405 | €46,617 | ▲ 7.4% |
| Other loans439 | - | €40,000 | €40,278 | €43,405 | €46,617 | ▲ 7.4% |
| Trade debts44 | - | €1,395 | €1,508 | - | €1,523 | - |
| Suppliers440/4 | - | €1,395 | €1,508 | - | €1,523 | - |
| Other amounts payable47/48 | - | €165,025 | €182,525 | €186,725 | €193,225 | ▲ 3.5% |
| Accrued charges and deferred income492/3 | - | €1,618 | €3,525 | €3,633 | €2,951 | ▼ 18.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,388 | €2,458 | -€3,731 | €7,049 | €3,030 | ▼ 57.0% |
| + Depreciation and write-downs630 | €8,658 | €9,041 | €13,826 | €18,087 | €18,238 | ▲ 0.8% |
| Operating cash flow (approximation) | €3,270 | €11,498 | €10,095 | €25,136 | €21,267 | ▼ 15.4% |
| Investment in fixed assets (approximation) | - | -€7,813 | -€291,838 | €0 | -€5,242 | - |
| Change in cash | - | €17,818 | -€54,811 | €1,311 | -€615 | ▼ 147% |
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
20-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Back to profitnet €7,049
Net result €7,049 after one loss-making year.
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €2,458
Net result €2,458 after one loss-making year.
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-06
Financial
Weakest financial yearnet -€5,388
Net result drops to -€5,388, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
25-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 6 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Nieuwpoort · 1 establishment unit since 2017
Ground area
437 m²
Parcel 38020D0200/00M002, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
VERDIE
since 20172.270.757.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38020D0200/00M002 | Flanders | 437 m² | - | - |
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
Founded25-03-1999
Fiscal year end30-06
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.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.