Financials
- Fiscal year
- 2026
- Total assets
- €273,326
- Profit
- €109,640
- Solvency
- 22.2%
Total assets▲ 85.5%
Net result
20192026
VERF & CO
ActiveSummary
VERF & CO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €60,613 and a net result of €109,640. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 176 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Wholesale trade
NACE 46833NACE 46733
1 site
Size
€273,326total assets 2026
- Staff
- 1 FTE
- Equity
- €60,613
- Profit
- €109,640
Turnover not published (abridged schema)
Structure
Accounts 211 d early0 of 3 deeds read
Why 87- Sector Wholesale trade (NACE 46)- Equity €60,613 (22.2% of total assets)+ Liquidity: current ratio 1.69, cash €46,144+ Founded in 2016Show the evidence
Checked score
Score 2026
87
/ 100
Excellent
Probability in this band: under 0.55%
Better than 66% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2025
Strong
Solvency
47+47
equity 22.2% of total assets
Liquidity
40+37
short-term debt 59.0% · cash 16.9%
Profitability
100+35
return on assets 40.1%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.7%
12-2024: 3.7%● 0.0% vs 11-2024
01-2025: 3.7%● 0.0% vs 12-2024
02-2025: 3.7%● 0.0% vs 01-2025
03-2025: 3.7%● 0.0% vs 02-2025
04-2025: 3.7%▼ -1.0% vs 03-2025
05-2025: 3.7%● 0.0% vs 04-2025
06-2025: 3.6%▼ -3.1% vs 05-2025
07-2025: 3.7%▲ +4.4% vs 06-2025
08-2025: 3.6%▼ -2.7% vs 07-2025
09-2025: 3.6%▼ -1.2% vs 08-2025
10-2025: 3.8%▲ +5.3% vs 09-2025highest value
11-2025: 1.0%▼ -73.5% vs 10-2025
12-2025: 1.0%● 0.0% vs 11-2025
01-2026: 1.0%● 0.0% vs 12-2025
02-2026: 1.0%● 0.0% vs 01-2026
03-2026: 1.0%● 0.0% vs 02-2026
04-2026: 1.0%▼ -2.7% vs 03-2026
05-2026: 0.4%▼ -63.1% vs 04-2026
06-2026: 0.4%● 0.0% vs 05-2026
07-2026: 0.3%▼ -16.1% vs 06-2026lowest value
08-2026: 0.3%● 0.0% vs 07-2026lowest value
09-2026: 0.3%● 0.0% vs 08-2026lowest value
10-2026: 0.3%▲ +0.7% vs 09-2026
- Liquidity: current ratio 1.69, cash €46,144 lowers the probability
- Sector Wholesale trade (NACE 46) raises the probability
- Founded in 2016 lowers the probability for this profile
- Equity €60,613 (22.2% of total assets) raises the probability
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.02 in 2025; short-term debt: 59% and cash: 16.9% of total assets), but 77.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 33%, liquidity 38%, profitability 95%, growth against the median 97%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 03-04-2026, 211 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
211 d early
2025
30 d early
2024
1 d early
2023
on the day
2022
3 d early
2021
26 d early
2020
1 d early
← 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 39 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 28 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-03-2027 close31-10-2027 deadline
- Annual accounts filedfiscal year 2026 · micro…
- Highest result since 2019net €109,640 ▲719%
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-10-2027
- 03-04-2026Annual accounts filed
- 31-03-2026Highest result since 2019
- 01-10-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Wholesale tradeNACE 46833
- Founded
- 28-01-2016
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
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