Verhamme Concept & Consulting
ActiveVerhamme Concept & Consulting has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €7k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+71
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 4.15 in 2024; short-term debt: 20.9% and cash: 74.3% of total assets), and 20.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 09-10-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
27 d early
2023
32 d early
2022
79 d late
2021
31 d early
2020
2 d early
2019
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 6.4%
2024 · €67k
2019: €55k
2020: €61k
2021: €64k
2022: €68k
2023: €75k
2024: €67k
2019 → 2025
Total assets
€90k▲ 3.2%
2024 · €88k
2019: €77k
2020: €76k
2021: €73k
2022: €82k
2023: €92k
2024: €88k
2019 → 2025
Net result
€7k
2024 · €-8k
2019: €3k
2020: €13k
2021: €3k
2022: €4k
2023: €8k
2024: €-8k
2019 → 2025
Working capital
€53k▼ 17.3%
2024 · €64k
2019: €52k
2020: €59k
2021: €63k
2022: €67k
2023: €71k
2024: €64k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€68k▲ 5.6%€75k▲ 11.2%€67k▼ 10.6%€71k▲ 6.4%
Operating result€6k-€8k▲ 42.2%€12k▲ 52.0%€-7k€11k
Net result€3k-€4k▲ 26.0%€8k▲ 111%€-8k€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€18k▲ 509%
Current assets
€72k▼ 14.9%
Equity and liabilities €90k
Equity
€71k▲ 6.4%
Debt
€19k▼ 7.4%
The debt ratio falls from 23.3% to 20.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €-6k
Cash flow
€10k▲
2024 · €-7k
Solvency
79.1%▲
2024 · 76.7%
Current ratio
3.81▼
2024 · 4.15
Quick ratio
3.81▼
2024 · 4.13
Debt / equity
0.26▼
2024 · 0.30
ROE
9.6%▲
2024 · -11.9%
ROA
7.6%▲
2024 · -9.1%
Interest coverage
8.11▲
2024 · -7.18
Debt
€19k▼
2024 · €20k
Debt ≤ 1 year
€19k▼
2024 · €20k
Income taxes
€2k▲
2024 · €-103
Staff costs
€10k▼
2024 · €20k
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€88k€90k▲
Fixed assets21/28€3k€18k▲
Tangible fixed assets22/27€3k€18k▲
Furniture and vehicles24€3k€18k▲
Current assets29/58€85k€72k▼
Stocks and contracts in progress3€290€0▼
Stocks30/36€290€0▼
Amounts receivable within one year40/41€10k€4k▼
Trade receivables40€7k€3k▼
Other amounts receivable41€3k€983▼
Cash at bank and in hand54/58€74k€67k▼
Deferred charges and accrued income490/1€0€847▲
Equity and liabilities
Total equity and liabilities10/49€88k€90k▲
Equity10/15€67k€71k▲
Contributions10/11€13k€13k=
Reserves13€55k€59k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€55k€59k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€20k€19k▼
Amounts payable within one year42/48€20k€19k▼
Trade debts44€18k€16k▼
Suppliers440/4€18k€16k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€739€3k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€20k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€761€3k▲
Other operating charges640/8€412€709▲
Non-recurring operating charges66A€0€3k▲
Gross operating margin9900€14k€28k▲
Operating profit (loss)9901€-7k€11k▲
Financial income75/76B€0€4▲
Recurring financial income75€0€4▲
Financial charges65/66B€895€2k▲
Recurring financial charges65€895€2k▲
Profit (loss) for the period before taxes9903€-8k€9k▲
Income taxes67/77€-103€2k▲
Profit (loss) for the period9904€-8k€7k▲
Profit (loss) for the period to be appropriated9905€-8k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€7k▲
Transfer from equity791/2€8k€3k▼
Transfer to equity691/2€0€7k▲
To other reserves6921€0€7k▲
Profit to be distributed694/7-€3k
Return on contributions (dividend)694-€3k
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-8k ▼205%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
18-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 79 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €13k ▲284%
Operating result €18k, net result €13k, both a record.
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
14-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Merelbeke-Melle · 1 establishment unit since 1996
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.
Brusselsesteenweg 329090 Merelbeke-MelleGround area
1,078 m²
Building footprint
148 m²
Volume, LiDAR
1,093 m³
Parcel 44402A0481/00G003, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VERHAMME TEXTIELDRUK
since 19962.077.963.593
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44402A0481/00G003 | Flanders | 1,078 m² | 1 · 148 m² | 11.8 m · 3 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
INVOLUTION
BE 0864.367.988
Ukkel · Eq €71k
GOTELAERE GEERT
BE 0431.366.720
Oostende · Eq €71k
COMPAGNIE DES COTONNADES
BE 0450.267.169
Waterloo · Eq €71k
Slaapstudio Vic
BE 0673.952.337
Beernem · Eq €72k
TEXTURED INC.
BE 0476.605.837
Dilbeek · Eq €72k
Of 687 companies in sector 46412 we hold annual accounts for 517. 367 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-1996
Fiscal year end31-03
Activities, NACEBEL
46412Wholesale of household textiles and bedding
51410
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.