VERITAGE
ActiveVERITAGE has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €530k and a net result of €-33k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-29
Solvency88▲+4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.3 in 2024), and 28% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
29 d early
2024
24 d early
2023
30 d late
2022
38 d early
2021
18 d late
2020
25 d late
2019
14 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€530k▼ 5.8%
2024 · €562k
2018: €104k
2019: €260k
2020: €427k
2021: €367k
2022: €576k
2023: €730k
2024: €562k
2018 → 2025
Total assets
€735k▼ 10.3%
2024 · €820k
2018: €174k
2019: €348k
2020: €576k
2021: €650k
2022: €892k
2023: €842k
2024: €820k
2018 → 2025
Net result
€-33k
2024 · €33k
2018: €94k
2019: €157k
2020: €167k
2021: €190k
2022: €209k
2023: €153k
2024: €33k
2018 → 2025
Working capital
€90k▲ 17.6%
2024 · €77k
2018: €-27k
2019: €-42k
2020: €65k
2021: €29k
2022: €244k
2023: €203k
2024: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€367k-€576k▲ 56.9%€730k▲ 26.6%€562k▼ 22.9%€530k▼ 5.8%
Operating result€251k-€283k▲ 12.6%€206k▼ 27.3%€54k▼ 73.5%€-29k
Net result€190k-€209k▲ 9.9%€153k▼ 26.7%€33k▼ 78.7%€-33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €29k after €54k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €735k
Fixed assets
€439k▼ 9.8%
Current assets
€296k▼ 11.2%
Equity and liabilities €735k
Equity
€530k▼ 5.8%
Debt
€206k▼ 20.2%
The debt ratio falls from 31.5% to 28.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€30k▼
2024 · €114k
Cash flow
€26k▼
2024 · €93k
Solvency
72.0%▲
2024 · 68.5%
Current ratio
1.44▲
2024 · 1.30
Quick ratio
1.44▲
2024 · 1.30
Debt / equity
0.39▼
2024 · 0.46
ROE
-6.2%▼
2024 · 5.8%
ROA
-4.4%▼
2024 · 4.0%
Interest coverage
9.01▼
2024 · 17.39
Debt
€206k▼
2024 · €258k
Debt ≤ 1 year
€206k▼
2024 · €256k
Income taxes
€285▼
2024 · €15k
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€820k€735k▼
Fixed assets21/28€487k€439k▼
Tangible fixed assets22/27€487k€439k▼
Land and buildings22€434k€411k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€48k€24k▼
Current assets29/58€333k€296k▼
Amounts receivable within one year40/41€180k€267k▲
Trade receivables40€69k€127k▲
Other amounts receivable41€111k€140k▲
Cash at bank and in hand54/58€147k€21k▼
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€820k€735k▼
Equity10/15€562k€530k▼
Contributions10/11€0-
Reserves13€562k€562k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€562k€562k=
Profit (loss) carried forward14€62€-33k▼
Amounts payable17/49€258k€206k▼
Amounts payable within one year42/48€256k€206k▼
Trade debts44€870€3k▲
Suppliers440/4€870€3k▲
Taxes, remuneration and social security45€18k€6k▼
Taxes450/3€18k€6k▼
Other amounts payable47/48€237k€197k▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€59k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€116k€33k▼
Operating profit (loss)9901€54k€-29k▼
Financial income75/76B€9€40▲
Recurring financial income75€9€40▲
Financial charges65/66B€7k€3k▼
Recurring financial charges65€7k€3k▼
Profit (loss) for the period before taxes9903€48k€-32k▼
Income taxes67/77€15k€285▼
Profit (loss) for the period9904€33k€-33k▼
Profit (loss) for the period to be appropriated9905€33k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€-33k▼
Profit (loss) brought forward from the previous period14P-€62
Transfer from equity791/2€200k€0▼
Transfer to equity691/2€33k€0▼
To other reserves6921€33k€0▼
Profit to be distributed694/7€200k€0▼
Return on contributions (dividend)694€200k€0▼
The notes to these accounts (7 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
14-09
State Gazette act
Incorporation · Founding capital
Corporate purpose · Director appointment
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-33k ▼200%
Net result drops to €-33k, the lowest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €209k ▲9.9%
Operating result €283k, net result €209k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.02
Current ratio from 2.06 to 5.02.
31-12
Financial
Equity above €500kEq €576k ▲56.9%
5 profitable years in a row build equity to €576k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Liquidity times 5current ratio 2.68
Current ratio from 0.52 to 2.68; short-term debt falls from €87k to €39k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €260k ▲151%
2 profitable years in a row build equity to €260k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB 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, Oudenaarde · 1 establishment unit since 2016
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.
Bijskensstraat 29700 OudenaardeGround area
7,993 m²
Building footprint
255 m²
Volume, LiDAR
563 m³
Parcel 45023A0936/00G000, Flanders · tallest building 6.2 m. Linked by address, not a title deed.
1 establishment unit
VERITAGE
since 20162.259.360.523
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45023A0936/00G000 | Flanders | 7,993 m² | 1 · 255 m² | 6.2 m |
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
2025 · 1 entry · 7,154 EUR awarded · 7,154 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,154 EUR | 7,154 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 34,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.