VERHAMME GROUP’

Active

Private limited companyfounded 20241 yr activeJan Latoslaan 11, 3600 Genk, BelgiumKBO/BCE: BE 1015.261.386

Summary

VERHAMME GROUP’ has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,028 and a net result of €4,028. Its solvency ranks better than 78% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

VERHAMME GROUP’ActiveChecked score 88/100

Risk analysis Report Compare

Activity

Retail trade

NACE 47783Retail sale of souvenirs and religious articles NACE 47784

1 site

Size

€20,621total assets 2025

Equity: €14,028
Profit: €4,028

Turnover not published (abridged schema)

Financial health

88 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Accounts 81 d early0 of 1 deed read

Why 88- Founded in 2024- Size: total assets €20,621+ Liquidity: current ratio 3.13, cash €13,361+ Equity €14,028 (68.0% of total assets)Show the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Better than 83% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 93

equity 68.0% of total assets

Liquidity 86

short-term debt 32.0% · cash 64.8%

Profitability 86

return on assets 19.5%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)

Last 24 months 11-2025: 1.8% 12-2025: 1.8%● 0.0% vs 11-2025 01-2026: 1.9%▲ +4.8% vs 12-2025 02-2026: 2.2%▲ +16.8% vs 01-2026 03-2026: 2.3%▲ +5.7% vs 02-2026 04-2026: 2.6%▲ +10.3% vs 03-2026 05-2026: 2.9%▲ +10.4% vs 04-2026highest value 06-2026: 0.4%▼ -86.4% vs 05-2026 07-2026: 0.4%● 0.0% vs 06-2026 08-2026: 0.4%▼ -1.5% vs 07-2026lowest value 09-2026: 0.4%● 0.0% vs 08-2026lowest value 10-2026: 0.4%▲ +5.8% vs 09-2026

Liquidity: current ratio 3.13, cash €13,361 lowers the probability
Founded in 2024 raises the probability for this profile
Size: total assets €20,621 raises the probability for this profile
Equity €14,028 (68.0% of total assets) lowers the probability

Credit up to €1,000 at 30 days acceptable

Liquidity ample (current ratio 3.13; short-term debt: 32% and cash: 64.8% of total assets), and 32% 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 47, micro). Better than this share of them on solvency 79%, liquidity 89%, profitability 81%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.

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