VERHANNEMAN
ActiveVERHANNEMAN has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €543k and a net result of €88k. Equity is growing by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 51% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+6
Solvency70▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.99 in 2024; short-term debt: 30.6% and cash: 23.5% of total assets), but 55.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
44.6%
Return on assets
7.2%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
15 d early
2024
28 d late
2023
40 d early
2022
23 d late
2021
29 d late
2020
31 d late
2019
27 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€543k▲ 19.2%
2024 · €455k
2018: €29k
2019: €57k
2020: €128k
2021: €198k
2022: €308k
2023: €371k
2024: €455k
2018 → 2025
Total assets
€1.22M▲ 13.0%
2024 · €1.08M
2018: €162k
2019: €265k
2020: €363k
2021: €562k
2022: €1.19M
2023: €1.22M
2024: €1.08M
2018 → 2025
Net result
€88k▲ 4.6%
2024 · €84k
2018: €23k
2019: €27k
2020: €71k
2021: €71k
2022: €110k
2023: €63k
2024: €84k
2018 → 2025
Working capital
€322k▲ 25.7%
2024 · €256k
2018: €40k
2019: €54k
2020: €118k
2021: €294k
2022: €170k
2023: €214k
2024: €256k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€198k-€308k▲ 55.5%€371k▲ 20.5%€455k▲ 22.6%€543k▲ 19.2%
Operating result€108k-€134k▲ 24.0%€122k▼ 9.3%€143k▲ 17.4%€135k▼ 5.8%
Net result€71k-€110k▲ 55.9%€63k▼ 42.5%€84k▲ 32.4%€88k▲ 4.6%
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 falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€524k▼ 6.9%
Current assets
€695k▲ 34.6%
Equity and liabilities €1.22M
Equity
€543k▲ 19.2%
Debt
€676k▲ 8.4%
The debt ratio falls from 57.8% to 55.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€177k▼
2024 · €184k
Cash flow
€130k▲
2024 · €125k
Solvency
44.6%▲
2024 · 42.2%
Current ratio
1.87▼
2024 · 1.99
Quick ratio
1.80▼
2024 · 1.99
Debt / equity
1.24▼
2024 · 1.37
ROE
16.1%▼
2024 · 18.4%
ROA
7.2%▼
2024 · 7.8%
Interest coverage
8.56▲
2024 · 5.18
Debt
€676k▲
2024 · €623k
Debt ≤ 1 year
€372k▲
2024 · €260k
Debt > 1 year
€302k▼
2024 · €363k
Income taxes
€34k▲
2024 · €30k
Staff costs
€208k▲
2024 · €170k
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€1.08M€1.22M▲
Fixed assets21/28€562k€524k▼
Tangible fixed assets22/27€562k€524k▼
Land and buildings22€528k€497k▼
Plant, machinery and equipment23€16k€14k▼
Furniture and vehicles24€18k€13k▼
Current assets29/58€516k€695k▲
Stocks and contracts in progress3€0€25k▲
Stocks30/36-€25k
Contracts in progress37€0-
Amounts receivable within one year40/41€259k€378k▲
Trade receivables40€237k€332k▲
Other amounts receivable41€22k€47k▲
Cash at bank and in hand54/58€250k€286k▲
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.22M▲
Equity10/15€455k€543k▲
Contributions10/11€6k€6k=
Reserves13€449k€536k▲
Distributable reserves133€449k€536k▲
Profit (loss) carried forward14€151€152▲
Amounts payable17/49€623k€676k▲
Amounts payable after more than one year17€363k€302k▼
Financial debts170/4€363k€302k▼
Amounts payable within one year42/48€260k€372k▲
Current portion of amounts payable after more than one year42€61k€62k▲
Financial debts43€36k€12k▼
Credit institutions430/8€36k€12k▼
Trade debts44€103k€248k▲
Suppliers440/4€103k€248k▲
Taxes, remuneration and social security45€40k€34k▼
Taxes450/3€18k€19k▲
Remuneration and social security454/9€22k€15k▼
Other amounts payable47/48€19k€17k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A-€331
Remuneration, social security and pensions62€170k€208k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€43k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€359k€388k▲
Operating profit (loss)9901€143k€135k▼
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€36k€21k▼
Recurring financial charges65€36k€21k▼
Profit (loss) for the period before taxes9903€114k€121k▲
Transfer from deferred taxes780€0-
Income taxes67/77€30k€34k▲
Profit (loss) for the period9904€84k€88k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€84k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€88k▲
Profit (loss) brought forward from the previous period14P€372€151▼
Transfer to equity691/2€84k€88k▲
To other reserves6921€84k€88k▲
Social balance
Average headcount (FTE)90873.43.4=
The notes to these accounts (21 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €543k ▲19.2%
8 profitable years in a row build equity to €543k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Highest result since 2018net €110k ▲55.9%
Net result €110k, the highest in the series.
31-12
Financial
Equity above €200kEq €308k ▲55.5%
5 profitable years in a row build equity to €308k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €150kEq €198k ▲55.3%
4 profitable years in a row build equity to €198k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €128k ▲125%
3 profitable years in a row build equity to €128k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zedelgem · 1 establishment unit since 2017
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.
Koning Albertstraat 1738210 ZedelgemGround area
1.1 ha
Building footprint
262 m²
Volume, LiDAR
713 m³
Parcel 31036F1361/00E000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VERHANNEMAN
since 20172.269.649.154
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31036F1361/00E000 | Flanders | 1.1 ha | 1 · 261 m² | 6.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 234 EUR awarded · 234 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 234 EUR | 234 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
3 categoriesVERHANNEMAN BV44494
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,025 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2017
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
47523Retail trade
43223Specialised construction activities
43332Laying of wooden floor and wall coverings
43993Specialised construction activities
46835Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.