VERINVEST
ActiveVERINVEST has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €446k and a net result of €-19k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 51% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▲+2
Solvency57▼-15
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.89 in 2024; short-term debt: 67.5% and cash: 0.3% of total assets), and 67.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-19k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
43 d early
2022
1 d early
2021
31 d early
2020
30 d late
2019
23 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€446k▼ 4.0%
2024 · €465k
2018: €72k
2019: €81k
2020: €449k
2021: €451k
2022: €462k
2023: €486k
2024: €465k
2018 → 2025
Total assets
€1.39M▲ 39.0%
2024 · €997k
2018: €100k
2019: €97k
2020: €572k
2021: €573k
2022: €589k
2023: €609k
2024: €997k
2018 → 2025
Net result
€-19k▲ 12.2%
2024 · €-21k
2018: €10k
2019: €9k
2020: €368k
2021: €2k
2022: €11k
2023: €24k
2024: €-21k
2018 → 2025
Working capital
€451k▼ 3.7%
2024 · €468k
2018: €51k
2019: €57k
2020: €571k
2021: €572k
2022: €583k
2023: €607k
2024: €468k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€451k-€462k▲ 2.4%€486k▲ 5.2%€465k▼ 4.3%€446k▼ 4.0%
Operating result€-1k-€-2k▼ 76.3%€-3k▼ 12.8%€-8k▼ 199%€-5k▲ 35.1%
Net result€2k-€11k▲ 522%€24k▲ 124%€-21k€-19k▲ 12.2%
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 stays negative: a loss of €5k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.39M
Equity
€446k▼ 4.0%
Debt
€940k▲ 76.6%
The debt ratio rises from 53.4% to 67.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
32.2%▼
2024 · 46.6%
Current ratio
1.48▼
2024 · 1.89
Quick ratio
0.01▼
2024 · 0.43
Debt / equity
2.11▲
2024 · 1.15
ROE
-4.1%▲
2024 · -4.5%
ROA
-1.3%▲
2024 · -2.1%
Debt
€940k▲
2024 · €532k
Debt ≤ 1 year
€936k▲
2024 · €529k
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€997k€1.39M▲
Fixed assets21/28€621-
Financial fixed assets28€621-
Current assets29/58€997k€1.39M▲
Stocks and contracts in progress3€770k€1.38M▲
Stocks30/36€770k€1.38M▲
Amounts receivable within one year40/41€11k-
Other amounts receivable41€11k-
Cash at bank and in hand54/58€215k€5k▼
Deferred charges and accrued income490/1€697€799▲
Equity and liabilities
Total equity and liabilities10/49€997k€1.39M▲
Equity10/15€465k€446k▼
Contributions10/11€40k€40k=
Capital10€40k€40k=
Issued capital100€70k€70k=
Uncalled capital101€30k€30k=
Reserves13€8k€8k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Profit (loss) carried forward14€416k€398k▼
Amounts payable17/49€532k€940k▲
Amounts payable within one year42/48€529k€936k▲
Current portion of amounts payable after more than one year42€361k€400k▲
Trade debts44€38k€265k▲
Suppliers440/4€38k€265k▲
Taxes, remuneration and social security45€129k€167k▲
Taxes450/3€129k€167k▲
Other amounts payable47/48€874€103k▲
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Other operating charges640/8€3k€3k▼
Gross operating margin9900€-5k€-3k▲
Operating profit (loss)9901€-8k€-5k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€-14k€-19k▼
Transfer from deferred taxes780€121k-
Income taxes67/77€128k-
Profit (loss) for the period9904€-21k€-19k▲
Transfer from tax-exempt reserves789€364k-
Profit (loss) for the period to be appropriated9905€343k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€416k€398k▼
Profit (loss) brought forward from the previous period14P€73k€416k▲
The notes to these accounts (4 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-21k ▼187%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 413.79
Current ratio from 108.61 to 413.79; short-term debt falls from €5k to €1k.
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 1063.85
Current ratio from 422.90 to 1063.85; short-term debt falls from €1k to €539.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €368k ▲3866%
Operating result €491k, net result €368k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 422.90
Current ratio from 144.58 to 422.90.
31-12
Financial
Equity above €200kEq €449k ▲452%
3 profitable years in a row build equity to €449k.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 24current ratio 144.58
Current ratio from 5.93 to 144.58; short-term debt falls from €10k to €397.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 1991
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.
Foreestelaan 249000 GentGround area
1.4 ha
Building footprint
600 m²
Volume, LiDAR
4,650 m³
Parcel 44808H0750/00S000, Flanders · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VERINVEST
since 19912.391.827.087
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0750/00S000 | Flanders | 1.4 ha | 1 · 600 m² | 8.9 m · 3 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.
Similar companies · same sector, comparable size
IMMOVA INTERNATIONAL
BE 0450.372.582
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CRI CRI
BE 0428.704.267
Kortrijk · Eq €446k
JARDINS DE L'ORNE
BE 0837.588.070
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ULTIMI
BE 0808.539.639
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Immo de Vreeze
BE 0420.636.045
Gent · Eq €447k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 4,827 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-04-1991
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.