VERDYCK
ActiveVERDYCK has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €17k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 27358 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency89▼-7
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 2.81 in 2024), but 50.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
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
49.2%
Return on assets
16.4%
Age of the figures
8 mo
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
58 d early
2023
16 d early
2022
3 d early
2021
29 d late
2020
31 d late
2019
5 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 49.9%
2024 · €34k
2018: €186k
2019: €163k
2020: €22k
2021: €24k
2022: €30k
2023: €34k
2024: €34k
2018 → 2025
Total assets
€105k▲ 57.8%
2024 · €67k
2018: €190k
2019: €218k
2020: €217k
2021: €123k
2022: €118k
2023: €93k
2024: €67k
2018 → 2025
Net result
€17k▲ 365,255%
2024 · €5
2018: €598
2019: €-22k
2020: €-6k
2021: €2k
2022: €7k
2023: €4k
2024: €5
2018 → 2025
Working capital
€40k▲ 30.0%
2024 · €31k
2018: €185k
2019: €155k
2020: €147k
2021: €44k
2022: €47k
2023: €21k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€30k▲ 26.3%€34k▲ 13.2%€34k=€52k▲ 49.9%
Operating result€3k-€9k▲ 213%€7k▼ 16.8%€4k▼ 40.7%€23k▲ 445%
Net result€2k-€7k▲ 238%€4k▼ 40.9%€5▼ 99.9%€17k▲ 365,255%
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 recovers in 2025; 2025 is 445% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€11k▼ 38.7%
Current assets
€94k▲ 94.5%
Equity and liabilities €105k
Equity
€52k▲ 49.9%
Debt
€53k▲ 66.1%
The debt ratio rises from 48.3% to 50.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€32k▲
2024 · €14k
Cash flow
€26k▲
2024 · €10k
Solvency
49.2%▼
2024 · 51.7%
Current ratio
1.76▼
2024 · 2.81
Quick ratio
1.48▼
2024 · 1.72
Debt / equity
1.03▲
2024 · 0.93
ROE
33.3%▲
2024 · 0.0%
ROA
16.4%▲
2024 · 0.0%
Interest coverage
25.73▲
2024 · 8.60
Debt
€53k▲
2024 · €32k
Debt ≤ 1 year
€53k▲
2024 · €17k
Debt > 1 year
€0▼
2024 · €15k
Income taxes
€5k▲
2024 · €3k
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€67k€105k▲
Fixed assets21/28€18k€11k▼
Tangible fixed assets22/27€18k€11k▼
Land and buildings22€551€0▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€6k€1k▼
Other tangible fixed assets26€11k€8k▼
Financial fixed assets28€400€400=
Current assets29/58€48k€94k▲
Stocks and contracts in progress3€19k€15k▼
Stocks30/36€19k€15k▼
Amounts receivable within one year40/41€17k€43k▲
Trade receivables40€17k€42k▲
Other amounts receivable41€23€444▲
Cash at bank and in hand54/58€10k€32k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€67k€105k▲
Equity10/15€34k€52k▲
Contributions10/11€19k€19k=
Reserves13€16k€33k▲
Distributable reserves133€16k€33k▲
Profit (loss) carried forward14-€109
Amounts payable17/49€32k€53k▲
Amounts payable after more than one year17€15k€0▼
Financial debts170/4€15k€0▼
Amounts payable within one year42/48€17k€53k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€4k€24k▲
Suppliers440/4€4k€24k▲
Taxes, remuneration and social security45€13k€23k▲
Taxes450/3€8k€23k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€0€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€10k€15k▲
Gross operating margin9900€24k€47k▲
Operating profit (loss)9901€4k€23k▲
Financial income75/76B€285€210▼
Recurring financial income75€285€210▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€3k€22k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€5€17k▲
Profit (loss) for the period to be appropriated9905€5€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5€17k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0-
Transfer to equity691/2€5€17k▲
To other reserves6921€5€17k▲
The notes to these accounts (9 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €17k ▲365255%
Operating result €23k, net result €17k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
31-12
Financial
Weakest financial yearnet €-22k ▼3802%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
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.
25-04-2023
Resigned as Director
Location & real-estate footprint
Registered office, Schilde · 1 establishment unit since 1989
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.
Kampdreef 1b2970 SchildeGround area
2,142 m²
Building footprint
260 m²
Volume, LiDAR
1,519 m³
Parcel 11039A0185/00K035, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kampdreef 1b, 2970 Schilde
since 19892.041.455.466
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0185/00K035 | Flanders | 2,142 m² | 1 · 259 m² | 8.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 720 EUR awarded · 720 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 360 EUR | 360 EUR |
| 2022 | 1 | 360 EUR | 360 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 907 companies in sector 43333 we hold annual accounts for 397. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-1988
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
45433
43341Painting of buildings
47530Retail trade
47559Retail sale of other household articles
47599Retail trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74104Other professional, scientific and technical activities
74130Interior design
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 37 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.