Summary
VERGUIMMO 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 €28,984 and a net result of €13,380. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 14% of 5593 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 5593 sector peers (2025).
NBB · sector comparisonPosition among 5593 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 9 filingsDeviation from the deadline
2025
28 d late
2024
35 d early
2023
5 d early
2022
30 d late
2021
44 d late
2020
108 d late
2019
56 d late
← 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 32 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 August (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€28,984▲ 85.7%
2024 · €15,604
Net result
€13,380▼ 16.9%
2024 · €16,098
Total assets
€241,864▼ 14.7%
2024 · €283,481
Solvency
12.0%▲ 6.5pp
2024 · 5.5%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€66,036€66,394▲ 0.5%€128,450▲ 93.5%€30,121▼ 76.6%€27,239▼ 9.6%
Net result€54,023within the sector's middle half€57,243within the sector's middle half▲ 6.0%€117,493within the sector's middle half▲ 105%€16,098within the sector's middle half▼ 86.3%€13,380within the sector's middle half▼ 16.9%
Equity-€175,230below the sector's middle half▲ 23.6%-€117,987below the sector's middle half▲ 32.7%-€494below the sector's middle half▲ 99.6%€15,604below the sector's middle half€28,984below the sector's middle half▲ 85.7%
Total assets€290,870below the sector's middle half▼ 7.9%€305,284below the sector's middle half▲ 5.0%€317,023below the sector's middle half▲ 3.8%€283,481below the sector's middle half▼ 10.6%€241,864below the sector's middle half▼ 14.7%
Debt€466,100▼ 14.5%€423,271▼ 9.2%€317,516▼ 25.0%€267,876▼ 15.6%€212,880▼ 20.5%
Working capital-€182,282below the sector's middle half▲ 19.7%-€154,868within the sector's middle half▲ 15.0%-€95,854within the sector's middle half▲ 38.1%-€73,539within the sector's middle half▲ 23.3%-€73,034within the sector's middle half▲ 0.7%
Solvency-60.2%below the sector's middle half▲ 12.4pp-38.6%below the sector's middle half▲ 21.6pp-0.2%below the sector's middle half▲ 38.5pp5.5%below the sector's middle half▲ 5.7pp12.0%below the sector's middle half▲ 6.5pp
Current ratio0.10below the sector's middle half▲ 0.030.20below the sector's middle half▲ 0.100.22below the sector's middle half▲ 0.020.33below the sector's middle half▲ 0.110.32below the sector's middle half▼ 0.01
Return on assets (ROA)18.6%above the sector's middle half▲ 27.8pp18.8%above the sector's middle half▲ 0.2pp37.1%above the sector's middle half▲ 18.3pp5.7%within the sector's middle half▼ 31.4pp5.5%within the sector's middle half▼ 0.1pp
Staff (FTE)0.5below the sector's middle half=0.4within the sector's middle half▼ 20.0%0.4within the sector's middle half=0.6within the sector's middle half▲ 50.0%0.6within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 two years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,864
Fixed assets
€208,016 ▼ 15.8%
Current assets
€33,848 ▼ 6.8%
Equity and liabilities €241,864
Equity
€28,984 ▲ 85.7%
Debt
€212,880 ▼ 20.5%
Debt's share of the balance-sheet total falls from 94.5% to 88.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
46.2%▼
2024 · 103.2%
Debt ≤ 1 year
€106,882▼
2024 · €109,845
Debt > 1 year
€105,998▼
2024 · €145,508
Income taxes
€9,338▲
2024 · €8,667
Staff costs
€42,125▲
2024 · €23,147
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €16,263 | €16,388 | €14,885 | €23,147 | €42,125 | ▲ 82.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,085 | €35,341 | €42,909 | €48,323 | €46,005 | ▼ 4.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €796 | - |
| Other operating charges640/8 | €4,302 | €10,354 | €8,267 | €4,444 | €2,130 | ▼ 52.1% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | €119,686 | €128,477 | €194,511 | €106,035 | €118,294 | ▲ 11.6% |
| Operating profit (loss)9901 | €66,036 | €66,394 | €128,450 | €30,121 | €27,239 | ▼ 9.6% |
| Financial income75/76B | €248 | €156 | €1 | €1 | €200 | ▲ 30,620% |
| Recurring financial income75 | €248 | €156 | €1 | €1 | €200 | ▲ 30,620% |
| Financial charges65/66B | €9,890 | €8,500 | €7,271 | €5,356 | €4,720 | ▼ 11.9% |
| Recurring financial charges65 | €9,890 | €8,500 | €7,271 | €5,356 | €4,720 | ▼ 11.9% |
| Profit (loss) for the period before taxes9903 | €56,394 | €58,051 | €121,180 | €24,766 | €22,718 | ▼ 8.3% |
| Income taxes67/77 | €2,371 | €808 | €3,687 | €8,667 | €9,338 | ▲ 7.7% |
| Profit (loss) for the period9904 | €54,023 | €57,243 | €117,493 | €16,098 | €13,380 | ▼ 16.9% |
| Profit (loss) for the period to be appropriated9905 | €54,023 | €57,243 | €117,493 | €16,098 | €13,380 | ▼ 16.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €290,870 | €305,284 | €317,023 | €283,481 | €241,864 | ▼ 14.7% |
| Fixed assets21/28 | €270,536 | €266,843 | €290,282 | €247,175 | €208,016 | ▼ 15.8% |
| Tangible fixed assets22/27 | €270,536 | €266,843 | €290,282 | €247,175 | €208,016 | ▼ 15.8% |
| Land and buildings22 | €205,103 | €206,491 | €187,790 | €169,089 | €150,391 | ▼ 11.1% |
| Plant, machinery and equipment23 | €21,574 | €18,963 | €23,439 | €18,700 | €9,818 | ▼ 47.5% |
| Furniture and vehicles24 | €16,887 | €14,439 | €8,981 | €4,459 | €8,005 | ▲ 79.5% |
| Other tangible fixed assets26 | €26,971 | €26,950 | €70,071 | €54,927 | €39,803 | ▼ 27.5% |
| Current assets29/58 | €20,334 | €38,441 | €26,741 | €36,306 | €33,848 | ▼ 6.8% |
| Amounts receivable within one year40/41 | €13,720 | €28,859 | €21,087 | €26,285 | €28,753 | ▲ 9.4% |
| Trade receivables40 | €13,720 | €25,518 | €21,087 | €23,342 | €15,862 | ▼ 32.0% |
| Other amounts receivable41 | - | €3,341 | €0 | €2,942 | €12,890 | ▲ 338% |
| Cash at bank and in hand54/58 | €2,799 | €4,350 | €216 | €3,893 | €851 | ▼ 78.1% |
| Deferred charges and accrued income490/1 | €3,816 | €5,232 | €5,438 | €6,128 | €4,244 | ▼ 30.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €290,870 | €305,284 | €317,023 | €283,481 | €241,864 | ▼ 14.7% |
| Equity10/15 | -€175,230 | -€117,987 | -€494 | €15,604 | €28,984 | ▲ 85.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | - | - | - | €16,098 | €29,478 | ▲ 83.1% |
| Distributable reserves133 | - | - | - | €16,098 | €29,478 | ▲ 83.1% |
| Profit (loss) carried forward14 | -€181,430 | -€124,187 | -€6,694 | -€6,694 | -€6,694 | = |
| Amounts payable17/49 | €466,100 | €423,271 | €317,516 | €267,876 | €212,880 | ▼ 20.5% |
| Amounts payable after more than one year17 | €261,189 | €223,098 | €184,540 | €145,508 | €105,998 | ▼ 27.2% |
| Financial debts170/4 | €261,189 | €223,098 | €184,540 | €145,508 | €105,998 | ▼ 27.2% |
| Amounts payable within one year42/48 | €202,617 | €193,309 | €122,595 | €109,845 | €106,882 | ▼ 2.7% |
| Current portion of amounts payable after more than one year42 | €37,630 | €38,091 | €38,558 | €39,031 | €40,565 | ▲ 3.9% |
| Trade debts44 | €7,734 | €11,552 | €3,846 | €19,543 | €14,284 | ▼ 26.9% |
| Suppliers440/4 | €7,734 | €11,552 | €3,846 | €19,543 | €14,284 | ▼ 26.9% |
| Taxes, remuneration and social security45 | €8,887 | €15,989 | €27,875 | €32,800 | €20,870 | ▼ 36.4% |
| Taxes450/3 | €6,696 | €15,096 | €27,172 | €27,764 | €7,429 | ▼ 73.2% |
| Remuneration and social security454/9 | €2,191 | €893 | €703 | €5,036 | €13,441 | ▲ 167% |
| Other amounts payable47/48 | €148,366 | €127,677 | €52,316 | €18,471 | €31,163 | ▲ 68.7% |
| Accrued charges and deferred income492/3 | €2,294 | €6,865 | €10,382 | €12,523 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €54,023 | €57,243 | €117,493 | €16,098 | €13,380 | ▼ 16.9% |
| + Depreciation and write-downs630 | €33,085 | €35,341 | €42,909 | €48,323 | €46,005 | ▼ 4.8% |
| Operating cash flow (approximation) | €87,108 | €92,583 | €160,402 | €64,422 | €59,385 | ▼ 7.8% |
| Investment in fixed assets (approximation) | - | -€31,648 | -€66,347 | -€5,217 | -€6,846 | ▼ 31.2% |
| Change in cash | - | €1,551 | -€4,133 | €3,676 | -€3,041 | ▼ 183% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €117,493 ▲105%
Operating result €128,450, net result €117,493, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 44 days late
2021
31-12
Financial
Back to profitnet €54,023
Net result €54,023 after 3 loss-making years.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 108 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 56 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Boutersem · 1 establishment unit since 2016
Ground area
2,540 m²
Building footprint
329 m²
Volume, LiDAR
298 m³
Parcel 24049B0460/00E000, Flanders · tallest building 5.2 m. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Verguimmo
since 20162.253.895.265
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24049B0460/00E000 | Flanders | 2,540 m² | 1 · 329 m² | 5.2 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Care and welfare
1 serviceDe Copiloot (Verguimmo)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 8,698 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-05-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82100Office administrative and support services
63920Other information service activities
70200Business and other management consultancy
78200Temporary employment agencies and other provision of personnel
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0653821273
Registered
16-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.