VEREMA

Active

Private limited companyfounded 20196 yrs activeBiest 24, 2990 Wuustwezel, BelgiumKBO/BCE: BE 0736.435.975

The computed 12-month bankruptcy probability of VEREMA is 2.2% (moderate). The 2025 annual accounts show equity of €229k and a net result of €-78k. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 27446 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

45 / 100

Fair▼ -55 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency81▼-19

Growth52=

Stability100

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity ample (current ratio 8.21 against 9.91 in 2024), but 62% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 6 filings

Deviation from the deadline

2025

26 d late

2024

5 d late

2023

26 d late

2022

8 d early

2021

73 d early

2020

37 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€229k▼ 25.5%

2024 · €307k

2020: €101k 2021: €123k 2022: €181k 2023: €239k 2024: €307k

2020 → 2025

Total assets

€602k▲ 78.0%

2024 · €338k

2020: €167k 2021: €193k 2022: €264k 2023: €345k 2024: €338k

2020 → 2025

Net result

€-78k

2024 · €68k

2020: €86k 2021: €36k 2022: €58k 2023: €58k 2024: €68k

2020 → 2025

Working capital

€184k▼ 32.8%

2024 · €274k

2020: €69k 2021: €63k 2022: €138k 2023: €208k 2024: €274k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€123k-€181k▲ 47.3%€239k▲ 31.9%€307k▲ 28.4%€229k▼ 25.5%

Operating result€47k-€81k▲ 73.4%€81k▼ 0.2%€94k▲ 16.0%€-77k

Net result€36k-€58k▲ 59.8%€58k▼ 0.5%€68k▲ 17.3%€-78k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €77k after €94k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €602k

65.1%

34.9%

Fixed assets €391k▲ 1,099%

Current assets €210k▼ 31.2%

Equity and liabilities €602k

38.0%

62.0%

Equity €229k▼ 25.5%

Debt €373k▲ 1,110%

The debt ratio rises from 9.1% to 62.0%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-53k▼

2024 · €111k

Cash flow

€-55k▼

2024 · €85k

Solvency

38.0%▼

2024 · 90.9%

Current ratio

8.21▼

2024 · 9.91

Quick ratio

7.64▼

2024 · 8.71

Debt / equity

1.63▲

2024 · 0.10

ROE

-34.2%▼

2024 · 22.1%

ROA

-13.0%▼

2024 · 20.1%

Interest coverage

-13.24▼

2024 · 681.85

Debt

€373k▲

2024 · €31k

Debt ≤ 1 year

€26k▼

2024 · €31k

Debt > 1 year

€347k▲

2024 · €0

Income taxes

€0▼

2024 · €26k

Staff costs

€97▼

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€338k€602k▲

Fixed assets21/28€33k€391k▲

Tangible fixed assets22/27€33k€391k▲

Land and buildings22-€372k

Plant, machinery and equipment23€10k€7k▼

Furniture and vehicles24€18k€13k▼

Leasing and similar rights25€5k€0▼

Current assets29/58€305k€210k▼

Stocks and contracts in progress3€37k€15k▼

Stocks30/36€37k€15k▼

Amounts receivable within one year40/41€37k€116k▲

Trade receivables40€28k€1k▼

Other amounts receivable41€10k€115k▲

Cash at bank and in hand54/58€216k€77k▼

Deferred charges and accrued income490/1€15k€2k▼

Equity and liabilities

Total equity and liabilities10/49€338k€602k▲

Equity10/15€307k€229k▼

Contributions10/11€15k€15k=

Reserves13€261k€261k=

Distributable reserves133€261k€261k=

Profit (loss) carried forward14€31k€-47k▼

Amounts payable17/49€31k€373k▲

Amounts payable after more than one year17€0€347k▲

Financial debts170/4€0€347k▲

Amounts payable within one year42/48€31k€26k▼

Current portion of amounts payable after more than one year42€4k€18k▲

Trade debts44€25k€7k▼

Suppliers440/4€25k€7k▼

Taxes, remuneration and social security45€0-

Taxes450/3€0-

Other amounts payable47/48€2k€0▼

Income statement Code20242025

Non-recurring operating income76A-€8k

Remuneration, social security and pensions62€3k€97▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€24k▲

Other operating charges640/8€1k€7k▲

Non-recurring operating charges66A€1k€0▼

Gross operating margin9900€116k€-46k▼

Operating profit (loss)9901€94k€-77k▼

Financial income75/76B€4€3k▲

Recurring financial income75€4€3k▲

Financial charges65/66B€163€4k▲

Recurring financial charges65€163€4k▲

Profit (loss) for the period before taxes9903€93k€-78k▼

Income taxes67/77€26k€0▼

Profit (loss) for the period9904€68k€-78k▼

Profit (loss) for the period to be appropriated9905€68k€-78k▼

Appropriation of the result

Profit (loss) to be appropriated9906€99k€-47k▼

Profit (loss) brought forward from the previous period14P€31k€31k▲

Transfer to equity691/2€68k€0▼

To other reserves6921€68k€0▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 10Financial 4Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

26-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 26 days late

2025

31-12

Financial Weakest financial yearnet €-78k ▼215%

Net result drops to €-78k, the lowest in the series.

05-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 5 days late

2024

31-12

Financial Liquidity triplescurrent ratio 9.91

Current ratio from 3.05 to 9.91; short-term debt falls from €101k to €31k.

26-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 26 days late

2023

31-12

Financial Equity above €200kEq €239k ▲31.9%

4 profitable years in a row build equity to €239k.

23-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Equity above €150kEq €181k ▲47.3%

3 profitable years in a row build equity to €181k.

19-05

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

24-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Wuustwezel · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Biest 242990 Wuustwezel

Ground area

1,602 m²

Building footprint

178 m²

Volume, LiDAR

975 m³

Parcel 11053D0790/00E000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

VEREMA

Biest 24, 2990 WuustwezelManufacture of fabricated metal products, except machinery and equipment

since 20192.294.812.142

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11053D0790/00E000	Flanders	1,602 m²	1 · 178 m²	9.3 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.

Similar companies · same sector, comparable size

Anderlecht · Eq €229k

JVdP Projects

BE 0763.823.233

Bekkevoort · Eq €231k

Of 1,124 companies in sector 43212 we hold annual accounts for 419. 321 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-10-2019

Fiscal year end31-12

Activities, NACEBEL

43212Electrical installation work in industrial facilities

43320Joinery installation

43350Other building finishing work

25120Manufacture of fabricated metal products, except machinery and equipment

43211General electrical installation work

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.