VEREMAR
ActiveVEREMAR has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €188k and a net result of €2k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 476 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+13
Solvency60▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.54 in 2024; short-term debt: 40.5% and cash: 2.7% of total assets), but 65.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
34.6%
Return on assets
0.4%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
28 d early
2023
23 d early
2022
21 d early
2021
31 d late
2020
16 d early
2019
15 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€188k▲ 1.1%
2024 · €186k
2018: €116k
2019: €61k
2020: €61k
2021: €126k
2022: €179k
2023: €182k
2024: €186k
2018 → 2025
Total assets
€543k▼ 17.7%
2024 · €660k
2018: €447k
2019: €425k
2020: €437k
2021: €646k
2022: €776k
2023: €820k
2024: €660k
2018 → 2025
Net result
€2k▼ 46.0%
2024 · €4k
2018: €22k
2019: €-23k
2020: €9k
2021: €79k
2022: €64k
2023: €26k
2024: €4k
2018 → 2025
Working capital
€166k▼ 2.0%
2024 · €169k
2018: €117k
2019: €81k
2020: €80k
2021: €140k
2022: €187k
2023: €170k
2024: €169k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€179k▲ 41.5%€182k▲ 2.0%€186k▲ 2.1%€188k▲ 1.1%
Operating result€118k-€105k▼ 11.0%€47k▼ 55.2%€12k▼ 75.1%€9k▼ 22.8%
Net result€79k-€64k▼ 18.5%€26k▼ 59.1%€4k▼ 85.4%€2k▼ 46.0%
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 has fallen four years in a row; 2025 is 23% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €543k
Fixed assets
€157k▼ 11.5%
Current assets
€385k▼ 20.1%
Equity and liabilities €543k
Equity
€188k▲ 1.1%
Debt
€355k▼ 25.2%
The debt ratio falls from 71.8% to 65.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €32k
Cash flow
€22k▼
2024 · €25k
Solvency
34.6%▲
2024 · 28.2%
Current ratio
1.75▲
2024 · 1.54
Quick ratio
1.75▲
2024 · 1.54
Debt / equity
1.89▼
2024 · 2.55
ROE
1.1%▼
2024 · 2.1%
ROA
0.4%▼
2024 · 0.6%
Interest coverage
5.31▲
2024 · 3.61
Debt
€355k▼
2024 · €474k
Debt ≤ 1 year
€220k▼
2024 · €313k
Debt > 1 year
€135k▼
2024 · €161k
Income taxes
€1k▼
2024 · €2k
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€660k€543k▼
Fixed assets21/28€178k€157k▼
Tangible fixed assets22/27€178k€157k▼
Land and buildings22€166k€149k▼
Plant, machinery and equipment23€532-
Furniture and vehicles24€12k€8k▼
Current assets29/58€482k€385k▼
Amounts receivable within one year40/41€457k€371k▼
Trade receivables40€444k€344k▼
Other amounts receivable41€13k€27k▲
Cash at bank and in hand54/58€25k€15k▼
Equity and liabilities
Total equity and liabilities10/49€660k€543k▼
Equity10/15€186k€188k▲
Contributions10/11€6k€6k=
Reserves13€180k€182k▲
Distributable reserves133€180k€182k▲
Amounts payable17/49€474k€355k▼
Amounts payable after more than one year17€161k€135k▼
Financial debts170/4€161k€135k▼
Amounts payable within one year42/48€313k€220k▼
Current portion of amounts payable after more than one year42€25k€26k▲
Financial debts43€9k€9k▼
Other loans439€9k€9k▼
Trade debts44€161k€71k▼
Suppliers440/4€161k€71k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€111k€109k▼
Income statement
Code20242025
Non-recurring operating income76A€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€20k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k€44k▲
Other operating charges640/8€177€121▼
Gross operating margin9900€27k€74k▲
Operating profit (loss)9901€12k€9k▼
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Non-recurring financial charges66B€10€-3▼
Profit (loss) for the period before taxes9903€6k€3k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€2k▼
Transfer to equity691/2€4k€2k▼
To other reserves6921€4k€2k▼
The notes to these accounts (10 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €179k ▲41.5%
3 profitable years in a row build equity to €179k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €79k ▲785%
Operating result €118k, net result €79k, both a record.
31-12
Financial
Equity above €100kEq €126k ▲107%
2 profitable years in a row build equity to €126k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-23k ▼207%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oud-Heverlee · 1 establishment unit since 2011
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.
Dalemstraat 63053 Oud-HeverleeGround area
707 m²
Building footprint
231 m²
Volume, LiDAR
1,301 m³
Parcel 24034C0300/00E000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Guesthouse De Rode Haas
since 20112.203.614.722
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24034C0300/00E000 | Flanders | 707 m² | 1 · 231 m² | 8.6 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 · 1 entry · 5,144 EUR awarded · 5,144 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 5,144 EUR | 5,144 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,522. 1,200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2011
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
55203Holiday cottages, homes and apartments
55209Other holiday and short-stay accommodation
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.