VERFINVEST
ActiveVERFINVEST has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €642k and a net result of €31k. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-1
Solvency100=
Growth58=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.22 against 1.74 in 2024; short-term debt: 7.9% and cash: 8.4% of total assets), and 8.4% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
91.6%
Return on assets
4.4%
Age of the figures
9 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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
19 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€642k▼ 2.3%
2024 · €657k
2023: €680k
2024: €657k
2023 → 2025
Total assets
€701k▼ 3.1%
2024 · €723k
2023: €712k
2024: €723k
2023 → 2025
Net result
€31k▼ 10.4%
2024 · €34k
2023: €29k
2024: €34k
2023 → 2025
Working capital
€68k▲ 47.6%
2024 · €46k
2023: €83k
2024: €46k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€680k-€657k▼ 3.4%€642k▼ 2.3%
Operating result€43k-€51k▲ 17.4%€46k▼ 9.9%
Net result€29k-€34k▲ 17.3%€31k▼ 10.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €701k
Fixed assets
€577k▼ 6.1%
Current assets
€123k▲ 14.3%
Equity and liabilities €701k
Equity
€642k▼ 2.3%
Debt
€59k▼ 10.9%
The debt ratio falls from 9.1% to 8.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€85k▼
2024 · €85k
Cash flow
€70k▲
2024 · €69k
Solvency
91.6%▲
2024 · 90.9%
Current ratio
2.22▲
2024 · 1.74
Quick ratio
2.22▲
2024 · 1.74
Debt / equity
0.09▼
2024 · 0.10
ROE
4.8%▼
2024 · 5.2%
ROA
4.4%▼
2024 · 4.8%
Interest coverage
1280.75▼
2024 · 1539.14
Debt
€59k▼
2024 · €66k
Debt ≤ 1 year
€56k▼
2024 · €62k
Income taxes
€15k▼
2024 · €16k
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€723k€701k▼
Fixed assets21/28€615k€577k▼
Tangible fixed assets22/27€612k€574k▼
Land and buildings22€563k€535k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€42k€32k▼
Other tangible fixed assets26€4k€5k▲
Financial fixed assets28€3k€3k=
Current assets29/58€108k€123k▲
Amounts receivable within one year40/41€63k€60k▼
Trade receivables40€63k€60k▼
Cash at bank and in hand54/58€44k€59k▲
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€723k€701k▼
Equity10/15€657k€642k▼
Contributions10/11€66k€66k=
Reserves13€407k€392k▼
Non-distributable reserves130/1€24k€24k=
Reserves not available under the articles1311€24k€24k=
Distributable reserves133€383k€369k▼
Profit (loss) carried forward14€183k€183k=
Amounts payable17/49€66k€59k▼
Amounts payable within one year42/48€62k€56k▼
Trade debts44€160€1k▲
Suppliers440/4€160€1k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€15k€12k▼
Other amounts payable47/48€47k€43k▼
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€39k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€91k€87k▼
Operating profit (loss)9901€51k€46k▼
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€56€66▲
Recurring financial charges65€56€66▲
Profit (loss) for the period before taxes9903€51k€46k▼
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€34k€31k▼
Profit (loss) for the period to be appropriated9905€34k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€218k€214k▼
Profit (loss) brought forward from the previous period14P€183k€183k=
Transfer from equity791/2€58k€46k▼
Transfer to equity691/2€34k€31k▼
To other reserves6921€34k€31k▼
Profit to be distributed694/7€58k€46k▼
Return on contributions (dividend)694€58k€46k▼
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €34k ▲17.3%
Operating result €51k, net result €34k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
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, Overijse · 1 establishment unit since 2023
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.
Kerselarenstraat 663090 OverijseGround area
930 m²
Building footprint
123 m²
Volume, LiDAR
813 m³
Parcel 23544D0108/00T004, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kerselarenstraat 66, 3090 Overijse
since 20232.349.903.984
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544D0108/00T004 | Flanders | 930 m² | 1 · 123 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.
Similar companies · same sector, comparable size
ARTCASIX
BE 0849.612.904
Sint-Pieters-Woluwe · Eq €642k
ZINC CONSULT
BE 0557.922.125
Brussel · Eq €642k
CNIP
BE 0478.506.146
Gent · Eq €642k
ALL TOGETHER
BE 0884.347.812
Schoten · Eq €642k
G.C.S. CONSULTING
BE 0806.064.357
Brugge · Eq €642k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 32,432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.