VERHOEVEN & CO

Active

Private limited companyfounded 200224 yrs activeKapelstraat 23, 2223 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0477.872.676

VERHOEVEN & CO has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €371k and a net result of €67k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 81% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

76 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability84▲+1

Solvency95▲+13

Growth78=

Track record100

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

Liquidity ample (current ratio 2.23 against 1.78 in 2024; short-term debt: 28.8% and cash: 2.9% of total assets), and 30.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

69.8%

Return on assets

12.6%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

51 d early

2024

44 d early

2023

27 d early

2022

16 d early

2021

19 d early

2020

25 d early

2019

26 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€371k▲ 13.9%

2024 · €326k

2018: €225k 2019: €246k 2020: €236k 2021: €287k 2022: €298k 2023: €289k 2024: €326k

2018 → 2025

Total assets

€532k▼ 7.0%

2024 · €572k

2018: €491k 2019: €374k 2020: €380k 2021: €424k 2022: €487k 2023: €547k 2024: €572k

2018 → 2025

Net result

€67k▲ 4.4%

2024 · €64k

2018: €27k 2019: €22k 2020: €22k 2021: €68k 2022: €31k 2023: €27k 2024: €64k

2018 → 2025

Working capital

€189k▲ 19.7%

2024 · €158k

2018: €161k 2019: €135k 2020: €106k 2021: €232k 2022: €110k 2023: €107k 2024: €158k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€287k-€298k▲ 3.9%€289k▼ 3.0%€326k▲ 12.8%€371k▲ 13.9%

Operating result€71k-€3k▼ 95.2%€38k▲ 1,016%€96k▲ 152%€100k▲ 4.7%

Net result€68k-€31k▼ 53.9%€27k▼ 13.0%€64k▲ 134%€67k▲ 4.4%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €532k

35.7%

64.3%

Fixed assets €190k▼ 10.0%

Current assets €342k▼ 5.3%

Equity and liabilities €532k

69.8%

30.2%

Equity €371k▲ 13.9%

Debt €161k▼ 34.7%

The debt ratio falls from 43.0% to 30.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€125k▲

2024 · €118k

Cash flow

€92k▲

2024 · €86k

Solvency

69.8%▲

2024 · 57.0%

Current ratio

2.23▲

2024 · 1.78

Quick ratio

2.23▲

2024 · 1.78

Debt / equity

0.43▼

2024 · 0.75

ROE

18.0%▼

2024 · 19.6%

ROA

12.6%▲

2024 · 11.2%

Interest coverage

105.16▲

2024 · 81.99

Debt

€161k▼

2024 · €246k

Debt ≤ 1 year

€153k▼

2024 · €203k

Debt > 1 year

€5k▼

2024 · €15k

Income taxes

€34k▲

2024 · €32k

Staff costs

€166k▲

2024 · €102k

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€572k€532k▼

Fixed assets21/28€211k€190k▼

Tangible fixed assets22/27€50k€29k▼

Plant, machinery and equipment23€13k€9k▼

Furniture and vehicles24€37k€20k▼

Financial fixed assets28€161k€161k=

Current assets29/58€361k€342k▼

Amounts receivable within one year40/41€54k€72k▲

Trade receivables40€54k€63k▲

Other amounts receivable41€0€9k▲

Current investments50/53€275k€250k▼

Cash at bank and in hand54/58€27k€15k▼

Deferred charges and accrued income490/1€4k€4k▲

Equity and liabilities

Total equity and liabilities10/49€572k€532k▼

Equity10/15€326k€371k▲

Contributions10/11€19k€19k=

Reserves13€307k€353k▲

Tax-exempt reserves132€37k€37k=

Distributable reserves133€270k€316k▲

Profit (loss) carried forward14€0€0=

Provisions and deferred taxes16€0-

Provisions for liabilities and charges160/5€0-

Major repairs and maintenance162€0-

Amounts payable17/49€246k€161k▼

Amounts payable after more than one year17€15k€5k▼

Financial debts170/4€15k€5k▼

Amounts payable within one year42/48€203k€153k▼

Current portion of amounts payable after more than one year42€10k€10k▲

Trade debts44€62k€28k▼

Suppliers440/4€62k€28k▼

Taxes, remuneration and social security45€66k€63k▼

Taxes450/3€61k€53k▼

Remuneration and social security454/9€4k€10k▲

Other amounts payable47/48€66k€52k▼

Accrued charges and deferred income492/3€28k€3k▼

Income statement Code20242025

Remuneration, social security and pensions62€102k€166k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€25k▲

Other operating charges640/8€9k€906▼

Gross operating margin9900€230k€292k▲

Operating profit (loss)9901€96k€100k▲

Financial income75/76B€2k€2k▼

Recurring financial income75€2k€2k▼

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Profit (loss) for the period before taxes9903€96k€101k▲

Income taxes67/77€32k€34k▲

Profit (loss) for the period9904€64k€67k▲

Profit (loss) for the period to be appropriated9905€64k€67k▲

Appropriation of the result

Profit (loss) to be appropriated9906€64k€67k▲

Transfer from equity791/2€27k€22k▼

Transfer to equity691/2€64k€67k▲

To other reserves6921€64k€67k▲

Profit to be distributed694/7€27k€22k▼

Return on contributions (dividend)694€27k€22k▼

Social balance

Average headcount (FTE)90872.43.3▲

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

10-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

17-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

04-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

15-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

12-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Highest result since 2018net €68k ▲215%

Net result €68k, the highest in the series.

06-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

05-07

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

31-12

Financial Weakest financial yearnet €22k ▼20.2%

Net result drops to €22k, the lowest in the series; recovery starts the following year.

14-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

25-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

18-07

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

5 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, Heist-op-den-Berg · 1 establishment unit since 2002

establishment The establishment unit on the map

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.

Kapelstraat 232223 Heist-op-den-Berg

Ground area

1,011 m²

Building footprint

154 m²

Volume, LiDAR

899 m³

Parcel 12033C0627/00M000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

VERHOEVEN & CO BVBA

Kapelstraat 23, 2223 Heist-op-den-BergNACE 4520002

since 20022.096.253.934

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12033C0627/00M000	Flanders	1,011 m²	1 · 154 m²	8.9 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.

Public money · subsidies and aid

Flemish government

2024 to 2025 · 3 entries · 2,500 EUR awarded · 2,500 EUR paid

Year	Entries	awarded	paid
2025	1	1,000 EUR	1,000 EUR
2024	2	1,500 EUR	1,500 EUR

Schemes

Premie kwalificerend werkplekleren

2 entries · 2,000 EUR · 2,000 EUR paid · Departement Werk en Sociale Economie

Stagebonus (stopgezet)

1 entry · 500 EUR · 500 EUR paid · Departement Werk en Sociale Economie

Recognitions · licences · registrations

Dual-learning approval

2 live approvals

Metselaar (vwo)

Goedgekeurd · 2022 to 2027

Ruwbouw duaal (so)

Goedgekeurd · 2022 to 2027

Similar companies · same sector, comparable size

VANHEES BOUWPROJECTEN

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ROGEBOUW

BE 0749.617.483

Kruisem · Eq €371k

Res Interieurarchitecten

BE 0890.537.204

Boutersem · Eq €371k

Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 10,306 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-07-2002

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43990Other specialised construction activities

43999Specialised construction activities

45211

45250

Sources

Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.