Verex is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €616k and a net result of €330k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 67% of 489 sector peers (fiscal year 2025). The company has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
15 d early
2023
7 d early
2022
3 d early
2021
4 d early
2020
5 d early
2019
on the day
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€616k▲ 0.1%
2024 · €616k
2018: €609k
2019: €609k
2020: €610k
2021: €613k
2022: €613k
2023: €615k
2024: €616k
2018 → 2025
Net result
€330k▲ 43.8%
2024 · €230k
2018: €105k
2019: €86k
2020: €121k
2021: €167k
2022: €140k
2023: €182k
2024: €230k
2018 → 2025
Total assets
€991k▲ 16.5%
2024 · €850k
2018: €735k
2019: €753k
2020: €758k
2021: €795k
2022: €845k
2023: €801k
2024: €850k
2018 → 2025
Solvency
62.2%▼ 10.2pp
2024 · 72.5%
2018: 82.9%
2019: 80.9%
2020: 80.6%
2021: 77.1%
2022: 72.5%
2023: 76.8%
2024: 72.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€613k-€613k=€615k▲ 0.4%€616k▲ 0.1%€616k▲ 0.1%
Operating result€168k-€128k▼ 23.8%€172k▲ 34.6%€217k▲ 26.0%€316k▲ 45.3%
Net result€167k-€140k▼ 16.1%€182k▲ 30.1%€230k▲ 26.1%€330k▲ 43.8%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 45% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €991k
Fixed assets
€134k=
Current assets
€857k▲ 19.6%
Equity and liabilities €991k
Equity
€616k▲ 0.1%
Debt
€374k▲ 59.8%
The debt ratio rises from 27.5% to 37.8%. Equity and debt are higher.
Key figures and ratios
Solvency
62.2%▼
2024 · 72.5%
ROE
53.6%▲
2024 · 37.3%
ROA
33.4%▲
2024 · 27.0%
Debt
€374k▲
2024 · €234k
Debt ≤ 1 year
€374k▲
2024 · €234k
Income taxes
€1k▲
2024 · €142
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€850k€991k▲
Fixed assets21/28€134k€134k=
Financial fixed assets28€134k€134k=
Current assets29/58€716k€857k▲
Amounts receivable within one year40/41€698k€789k▲
Trade receivables40€42k€120k▲
Other amounts receivable41€656k€669k▲
Cash at bank and in hand54/58€17k€66k▲
Deferred charges and accrued income490/1€765€1k▲
Equity and liabilities
Total equity and liabilities10/49€850k€991k▲
Equity10/15€616k€616k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€271k€271k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€265k€265k=
Profit (loss) carried forward14€283k€283k▲
Amounts payable17/49€234k€374k▲
Amounts payable within one year42/48€234k€374k▲
Trade debts44€25€36k▲
Suppliers440/4€25€36k▲
Taxes, remuneration and social security45€2k€977▼
Taxes450/3€2k€977▼
Other amounts payable47/48€232k€337k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Other operating charges640/8€1k€694▼
Gross operating margin9900€218k€316k▲
Operating profit (loss)9901€217k€316k▲
Financial income75/76B€13k€16k▲
Recurring financial income75€13k€16k▲
Financial charges65/66B€34€30▼
Recurring financial charges65€34€30▼
Profit (loss) for the period before taxes9903€230k€332k▲
Income taxes67/77€142€1k▲
Profit (loss) for the period9904€230k€330k▲
Profit (loss) for the period to be appropriated9905€230k€330k▲
Appropriation of the result
Profit (loss) to be appropriated9906€512k€613k▲
Profit (loss) brought forward from the previous period14P€282k€283k▲
Profit to be distributed694/7€229k€330k▲
Directors or managers695€229k€330k▲
The notes to these accounts (12 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €330k ▲43.8%
Operating result €316k, net result €330k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €86k ▼18.1%
Net result drops to €86k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
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
4 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, Aalst · 1 establishment unit since 1983
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.
Exterkenstraat 429310 AalstGround area
2,953 m²
Building footprint
645 m²
Volume, LiDAR
3,022 m³
Parcel 41042C0055/00N000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VIREX
since 19832.023.490.670
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41042C0055/00N000 | Flanders | 2,953 m² | 1 · 645 m² | 8.3 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.
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-12-1983
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.