VERHEZEN 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 €525k and a net result of €95k. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 2429 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
28 d early
2023
33 d early
2022
31 d late
2021
10 d late
2020
18 d late
2019
34 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€525k▲ 22.2%
2024 · €429k
2018: €86k
2019: €90k
2020: €101k
2021: €156k
2022: €249k
2023: €339k
2024: €429k
2018 → 2025
Net result
€95k▲ 4.8%
2024 · €91k
2018: €36k
2019: €4k
2020: €11k
2021: €55k
2022: €93k
2023: €89k
2024: €91k
2018 → 2025
Total assets
€604k▲ 12.6%
2024 · €536k
2018: €309k
2019: €267k
2020: €217k
2021: €269k
2022: €366k
2023: €448k
2024: €536k
2018 → 2025
Solvency
86.9%▲ 6.8pp
2024 · 80.1%
2018: 27.8%
2019: 33.7%
2020: 46.8%
2021: 58.1%
2022: 68.2%
2023: 75.5%
2024: 80.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€249k▲ 59.7%€339k▲ 35.8%€429k▲ 26.8%€525k▲ 22.2%
Operating result€82k-€138k▲ 68.7%€131k▼ 5.7%€129k▼ 0.8%€138k▲ 6.4%
Net result€55k-€93k▲ 70.2%€89k▼ 4.3%€91k▲ 1.9%€95k▲ 4.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €604k
Fixed assets
€61k▼ 15.4%
Current assets
€543k▲ 17.0%
Equity and liabilities €604k
Equity
€525k▲ 22.2%
Debt
€79k▼ 25.9%
The debt ratio falls from 19.9% to 13.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
86.9%▲
2024 · 80.1%
ROE
18.1%▼
2024 · 21.2%
ROA
15.8%▼
2024 · 16.9%
Debt
€79k▼
2024 · €107k
Debt ≤ 1 year
€79k▼
2024 · €107k
Income taxes
€40k▲
2024 · €39k
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€536k€604k▲
Fixed assets21/28€72k€61k▼
Tangible fixed assets22/27€72k€61k▼
Plant, machinery and equipment23€46k€35k▼
Furniture and vehicles24€27k€26k▼
Current assets29/58€464k€543k▲
Amounts receivable within one year40/41€195k€265k▲
Trade receivables40€5k€55k▲
Other amounts receivable41€190k€210k▲
Cash at bank and in hand54/58€269k€278k▲
Equity and liabilities
Total equity and liabilities10/49€536k€604k▲
Equity10/15€429k€525k▲
Contributions10/11€6k€6k=
Reserves13€423k€519k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€421k€517k▲
Amounts payable17/49€107k€79k▼
Amounts payable within one year42/48€107k€79k▼
Financial debts43€8k-
Other loans439€8k-
Trade debts44€44k€41k▼
Suppliers440/4€44k€41k▼
Taxes, remuneration and social security45€55k€38k▼
Taxes450/3€55k€38k▼
Income statement
Code20242025
Remuneration, social security and pensions62€21k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€27k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€173k€167k▼
Operating profit (loss)9901€129k€138k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€973€3k▲
Recurring financial charges65€973€3k▲
Profit (loss) for the period before taxes9903€130k€135k▲
Income taxes67/77€39k€40k▲
Profit (loss) for the period9904€91k€95k▲
Profit (loss) for the period to be appropriated9905€91k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€95k▲
Transfer to equity691/2€91k€95k▲
To other reserves6921€91k€95k▲
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €95k ▲4.8%
Net result €95k, the highest in the series.
31-12
Financial
Equity above €500kEq €525k ▲22.2%
8 profitable years in a row build equity to €525k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €249k ▲59.7%
5 profitable years in a row build equity to €249k.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Equity above €150kEq €156k ▲54%
4 profitable years in a row build equity to €156k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Equity above €100kEq €101k ▲12.6%
3 profitable years in a row build equity to €101k.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
31-12
Financial
Weakest financial yearnet €4k ▼88.1%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Boechout · 1 establishment unit since 1990
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.
Vinkenstraat 272530 BoechoutGround area
914 m²
Building footprint
177 m²
Volume, LiDAR
848 m³
Parcel 11004C0362/00Y000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EVIS BVBA
since 19902.050.007.403
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004C0362/00Y000 | Flanders | 914 m² | 1 · 177 m² | 7.6 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.
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Of 853 companies in sector 66210 we hold annual accounts for 511. 357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-1990
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
67202
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.