Equity
-€101,272
Debts exceed assets in financial year 2025.
VERIMMO
Lifetime
5 annual accounts with figures on one time axispeak €26,957 (2022)
€9,533▼ 13.0%
lowest -€64,963 (2021)
-€22,382▼ €3,769
peak -€48,584 (2022)
-€101,272▼ €22,382
€377,890▼ 0.9%
Board1 name since 2021
1 directorOGER Frédéric Bernard Paul
Documentsfilings and deeds
14-05-202678 days before the deadline
2025micro format
Gross margin from €10,962 to €9,533Loss of €22,382Equity from -€78,890 to -€101,272Cash from €2,831 to €1,582
Key points
from the 2025 annual accountsLosses
-€52,687 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Turnover
≈ €37,000 estimated
The micro format states no turnover.
Debts
€377,890 137% of the balance sheet
Financial debts 52%Suppliers 1%Taxes and wages 0%Other 47%
Of this, €176,149 falls due within a year.
Filings
5 annual accounts 2 late
The 2021 accounts came latest: 33 days after the end of the period.
Position in the sector
-€101,272
Less equity than 93% of companies in real estate. Sector median €73,055 · 17,210 companies.
Checked score
53
Fair
Financially stronger than 14% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%highest value
01-2025: 1.3%● unchanged vs 12-2024
02-2025: 1.3%● unchanged vs 01-2025
03-2025: 1.3%● unchanged vs 02-2025
04-2025: 1.3%● unchanged vs 03-2025
05-2025: 1.3%● unchanged vs 04-2025
06-2025: 1.3%● unchanged vs 05-2025
07-2025: 0.7%▼ -0.6 percentage points vs 06-2025
08-2025: 0.7%● unchanged vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.6%▼ -0.1 percentage points vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026lowest value
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.8%▲ +0.2 percentage points vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 0.8%● unchanged vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€101,272
Liquidity: current ratio 0.01, cash €1,582
lowers risk
Sector: Real estate activities (NACE 68)
Size: total assets €276,618
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 15% on liquidity, 18% on profitability and 17% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,564 companies had the same profile as VERIMMO has now. Each dot stands for 4 companies, two years later.
88.9%
were still trading
5.4%
stopped another way
5.1%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VERIMMO itself is lower: 0.8% within 12 months. It rests on far more data about VERIMMO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,564 companies, not a prediction for VERIMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.01 (0.04 in 2024), below 1. Short-term debt is 63.7% and cash 0.6% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€101,272
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 14-05-2026, 78 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
78 days early
2024
31 days early
2023
21 days late
2022
40 days early
2021
33 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 19 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (4 of the last 5 accounts filed within 53 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0762599845
Incorporation
Founding capital of €10,000, 300 shares · Founder: OGER Frédéric Bernard Paul (shareholder and founder) · Appointment: OGER Frédéric Bernard Paul (director) · published on 01-02-2021 · Gazette deed
First establishment
Rue du Tige 7, Marchin
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VERIMMO Marchin | €276,618 | €9,533 | -36.6% | - |
| DP Property Investments Tienen | €319,299 | €11,057 | -8.6% | - |
| HUISBOUW VANHAVERBEKE Beernem | €269,775 | €7,330 | -22.0% | - |
| AMADK Liège | €267,300 | €10,976 | -30.1% | - |
| JFK IMMO Awans | €271,375 | €20,339 | -6.7% | - |
| E.T. CONSULTING Berloz | €226,981 | €18,623 | 2.9% | - |
| PARK LOCKER Stavelot | €190,137 | €16,778 | -30.1% | - |
These companies have the same main activity as VERIMMO: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €190,000 and €319,000, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 28-01-2021Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 12 others
- Establishment unit
- 2.314.354.9694570 Marchin, since 28-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- €276,618▼ 8.6%
- Filing
- Filed on 14-05-2026, 78 days before the end of the filing period
Insights on VERIMMO
VERIMMO files the micro format. That format states no turnover. The gross margin rose from -€25,761 in 2021 to €9,533 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VERIMMO
- What is the company number of VERIMMO?
- The company number of VERIMMO is 0762.599.845. The VAT number is the same number with BE in front: BE 0762.599.845.
- Where is VERIMMO based?
- The registered office is at Rue du Tige 7, 4570 Marchin.Company details
- What does VERIMMO do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of VERIMMO?
- VERIMMO is a private limited company (BV).
- When was VERIMMO founded?
- VERIMMO was founded on 28-01-2021.
- Is VERIMMO still active?
- Yes, VERIMMO is an active enterprise in the KBO register.
- What is the turnover of VERIMMO?
- The turnover in financial year 2025 is ≈ €37,000. This figure is estimated from the gross margin of €9,533 and 30 comparable companies (NACE 68110). It probably lies between €20,000 and €93,000. It is a rough estimate.Financials
- Is VERIMMO profitable?
- In financial year 2025, VERIMMO made a loss of €22,382.
- Where can I find the annual accounts of VERIMMO?
- VERIMMO filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VERIMMO due?
- VERIMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.