VERDINO
ActiveSummary
VERDINO has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€119,147) and a net result of -€4,050. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 821 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
What they do
Artisanal bread and fresh pastry making
NACE 10712NACE 15812
1 site
How big
€30,142total assets 2025
- Equity
- -€119,147
- Loss
- -€4,050
Turnover not published (abridged schema)
Who decides
Accounts 24 d early0 of 5 deeds read
Why 26- Annual accounts: weaker financial profile- Higher-failure-rate sector- Negative equity+ Long track record+ Lower-risk legal formLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability4▼-29
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.2 against 0.23 in 2024; short-term debt: 495.3% and cash: 1.9% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-395.3%
Return on assets
-13.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€119,147
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
60 d late
2023
28 d late
2022
31 d early
2021
71 d late
2020
11 d early
2019
293 d late
← 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 55 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. Usually files around 29 August (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2025Total assets €30,142Loss -€4,050Solvency -395.3%Liquidity 0.20
Total assets
€30,142▼ 13.2%
2018 - 2025
Net result
-€4,050▼ 541%
2018 - 2025
Equity
-€119,147▼ 3.5%
2018 - 2025
Staff (FTE)
0.4
2018
Financials · fiscal year 2025, abbreviated schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 10, Manufacture of food products, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€7,441▲ 13.4%-€5,005▲ 32.7%-€8,649▼ 72.8%-€778▲ 91.0%-€4,194▼ 439%
Net result-€7,156below the sector's middle half▲ 14.6%-€4,880within the sector's middle half▲ 31.8%-€8,541below the sector's middle half▼ 75.0%-€632within the sector's middle half▲ 92.6%-€4,050below the sector's middle half▼ 541%
Equity-€101,044below the sector's middle half▼ 7.6%-€105,924below the sector's middle half▼ 4.8%-€114,465below the sector's middle half▼ 8.1%-€115,097below the sector's middle half▼ 0.6%-€119,147below the sector's middle half▼ 3.5%
Total assets€39,664below the sector's middle half▼ 8.2%€37,831below the sector's middle half▼ 4.6%€34,156below the sector's middle half▼ 9.7%€34,709below the sector's middle half▲ 1.6%€30,142below the sector's middle half▼ 13.2%
Debt€140,708▲ 2.6%€143,755▲ 2.2%€148,621▲ 3.4%€149,806▲ 0.8%€149,289▼ 0.3%
Working capital-€101,044below the sector's middle half▼ 6.8%-€105,924below the sector's middle half▼ 4.8%-€114,465below the sector's middle half▼ 8.1%-€115,097below the sector's middle half▼ 0.6%-€119,147below the sector's middle half▼ 3.5%
Solvency-254.8%below the sector's middle half▼ 37.4pp-280.0%below the sector's middle half▼ 25.2pp-335.1%below the sector's middle half▼ 55.1pp-331.6%below the sector's middle half▲ 3.5pp-395.3%below the sector's middle half▼ 63.7pp
Current ratio0.28below the sector's middle half▼ 0.030.26below the sector's middle half▼ 0.020.23below the sector's middle half▼ 0.030.23below the sector's middle half=0.20below the sector's middle half▼ 0.03
Return on assets (ROA)-18.0%below the sector's middle half▲ 1.4pp-12.9%below the sector's middle half▲ 5.1pp-25.0%below the sector's middle half▼ 12.1pp-1.8%within the sector's middle half▲ 23.2pp-13.4%below the sector's middle half▼ 11.6pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 10, Manufacture of food products, 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
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4,194 in 2025 against €778 in 2024; the loss grows.
Key figures and ratios
Key figures and ratios
Debt ≤ 1 year
€149,289▼
2024 · €149,806
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.5%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 6,621 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €372 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €704 | - | - | - | - | - |
| Other operating charges640/8 | - | - | €5,443 | - | - | - |
| Gross operating margin9900 | -€6,366 | -€5,005 | -€3,206 | -€778 | -€4,194 | ▼ 439% |
| Operating profit (loss)9901 | -€7,441 | -€5,005 | -€8,649 | -€778 | -€4,194 | ▼ 439% |
| Financial income75/76B | €294 | €148 | €151 | €154 | €144 | ▼ 6.2% |
| Recurring financial income75 | €294 | €148 | €151 | €154 | €144 | ▼ 6.2% |
| Financial charges65/66B | €9 | €24 | €44 | €8 | - | - |
| Recurring financial charges65 | €9 | €24 | €44 | €8 | - | - |
| Profit (loss) for the period before taxes9903 | -€7,156 | -€4,880 | -€8,541 | -€632 | -€4,050 | ▼ 541% |
| Profit (loss) for the period9904 | -€7,156 | -€4,880 | -€8,541 | -€632 | -€4,050 | ▼ 541% |
| Profit (loss) for the period to be appropriated9905 | -€7,156 | -€4,880 | -€8,541 | -€632 | -€4,050 | ▼ 541% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €39,664 | €37,831 | €34,156 | €34,709 | €30,142 | ▼ 13.2% |
| Current assets29/58 | €39,664 | €37,831 | €34,156 | €34,709 | €30,142 | ▼ 13.2% |
| Stocks and contracts in progress3 | - | - | €342 | - | - | - |
| Stocks30/36 | - | - | €342 | - | - | - |
| Amounts receivable within one year40/41 | €37,374 | €37,831 | €33,814 | €34,709 | €29,577 | ▼ 14.8% |
| Trade receivables40 | €24,489 | €24,489 | €25,215 | €25,215 | €22,708 | ▼ 9.9% |
| Other amounts receivable41 | €12,885 | €13,342 | €8,599 | €9,494 | €6,869 | ▼ 27.6% |
| Cash at bank and in hand54/58 | €2,289 | - | - | - | €565 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €39,664 | €37,831 | €34,156 | €34,709 | €30,142 | ▼ 13.2% |
| Equity10/15 | -€101,044 | -€105,924 | -€114,465 | -€115,097 | -€119,147 | ▼ 3.5% |
| Contributions10/11 | €65,000 | €65,000 | €65,000 | €65,000 | €65,000 | = |
| Capital10 | €65,000 | €65,000 | €65,000 | €65,000 | €65,000 | = |
| Issued capital100 | €65,000 | €65,000 | €65,000 | €65,000 | €65,000 | = |
| Profit (loss) carried forward14 | -€166,044 | -€170,924 | -€179,465 | -€180,097 | -€184,147 | ▼ 2.2% |
| Amounts payable17/49 | €140,708 | €143,755 | €148,621 | €149,806 | €149,289 | ▼ 0.3% |
| Amounts payable within one year42/48 | €140,708 | €143,755 | €148,621 | €149,806 | €149,289 | ▼ 0.3% |
| Financial debts43 | - | €137 | €334 | - | - | - |
| Credit institutions430/8 | - | €137 | €334 | - | - | - |
| Trade debts44 | €30,917 | €38,558 | €43,081 | €30,175 | €24,855 | ▼ 17.6% |
| Suppliers440/4 | €30,917 | €38,558 | €43,081 | €30,175 | €24,855 | ▼ 17.6% |
| Taxes, remuneration and social security45 | €1,038 | - | - | - | - | - |
| Taxes450/3 | €1,038 | - | - | - | - | - |
| Other amounts payable47/48 | €108,753 | €105,060 | €105,206 | €119,631 | €124,435 | ▲ 4.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,156 | -€4,880 | -€8,541 | -€632 | -€4,050 | ▼ 541% |
| + Depreciation and write-downs630 | €704 | - | - | - | - | - |
| Operating cash flow (approximation) | -€6,452 | -€4,880 | -€8,541 | -€632 | -€4,050 | ▼ 541% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector and region
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AU FLAN BRETON PRODUCTION
BE 0438.402.188
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BAKKERIJ ALBERT
BE 0420.749.376
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BAKKERIJ BECKERS
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Lummen
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 4,235 companies in this sector we hold annual accounts for 1,877. See the whole sector
Timeline
10 eventsLatest 07-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 71 days late
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 293 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
NBB filing
0 of 5 acts read
About the unread acts
We know of 5 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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Company details
Public limited company · founded 19-06-2001Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPublic limited company
Founded19-06-2001
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
47221Retail sale of meat and meat products, excluding game and poultry
E-invoicing
Reachable via Peppol
Peppol ID
0208:0475039187
Also
9925:BE0475039187
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Beringen · 1 establishment unit since 2001
Ground area
3,294 m²
Building footprint
144 m²
Volume, LiDAR
768 m³
Parcel 71049B0280/00K000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
VERDINO NV
since 2001unit no. 2.095.250.082
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71049B0280/00K000 | Flanders | 3,294 m² | 1 · 144 m² | 7.0 m · 2 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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