VERLIZO
ActiveThe computed 12-month bankruptcy probability of VERLIZO is 1.5% (moderate). The 2025 annual accounts show equity of €667k and a net result of €344k. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 10242 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency62▼-36
Growth78=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 2.05 in 2024), and 64.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.3%
Return on assets
18.2%
Age of the figures
19 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 29-09-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2026
not confirmed
2025
29 d late
2024
51 d early
2023
6 d early
2022
5 d early
2021
29 d late
2020
32 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€667k▼ 27.7%
2024 · €923k
2020: €48k
2021: €319k
2022: €537k
2023: €620k
2024: €923k
2020 → 2025
Total assets
€1.89M▲ 18.6%
2024 · €1.59M
2020: €1.46M
2021: €1.62M
2022: €1.51M
2023: €1.52M
2024: €1.59M
2020 → 2025
Net result
€344k▲ 13.4%
2024 · €303k
2020: €24k
2021: €271k
2022: €217k
2023: €201k
2024: €303k
2020 → 2025
Working capital
€288k▼ 38.4%
2024 · €467k
2020: €-269k
2021: €126k
2022: €42k
2023: €155k
2024: €467k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€319k-€537k▲ 68.1%€620k▲ 15.4%€923k▲ 49.0%€667k▼ 27.7%
Operating result€310k-€290k▼ 6.2%€271k▼ 6.8%€405k▲ 49.6%€441k▲ 8.8%
Net result€271k-€217k▼ 19.7%€201k▼ 7.8%€303k▲ 51.3%€344k▲ 13.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.89M
Fixed assets
€558k▼ 17.7%
Current assets
€1.33M▲ 45.5%
Equity and liabilities €1.89M
Equity
€667k▼ 27.7%
Debt
€1.22M▲ 82.6%
The debt ratio rises from 42.0% to 64.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€585k▲
2024 · €563k
Cash flow
€488k▲
2024 · €462k
Solvency
35.3%▼
2024 · 58.0%
Current ratio
1.28▼
2024 · 2.05
Quick ratio
1.03▼
2024 · 1.60
Debt / equity
1.83▲
2024 · 0.72
ROE
51.6%▲
2024 · 32.9%
ROA
18.2%▼
2024 · 19.1%
Interest coverage
70.68▼
2024 · 90.84
Debt
€1.22M▲
2024 · €668k
Debt ≤ 1 year
€1.04M▲
2024 · €447k
Debt > 1 year
€176k▼
2024 · €221k
Income taxes
€95k▼
2024 · €98k
Staff costs
€219k▼
2024 · €234k
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€1.59M€1.89M▲
Fixed assets21/28€677k€558k▼
Intangible fixed assets21€26k€21k▼
Tangible fixed assets22/27€651k€536k▼
Plant, machinery and equipment23€380k€328k▼
Furniture and vehicles24€17k€27▼
Other tangible fixed assets26€254k€208k▼
Current assets29/58€914k€1.33M▲
Stocks and contracts in progress3€200k€255k▲
Stocks30/36€200k€255k▲
Amounts receivable within one year40/41€71k€181k▲
Trade receivables40€61k€107k▲
Other amounts receivable41€10k€74k▲
Current investments50/53-€450k
Cash at bank and in hand54/58€635k€433k▼
Deferred charges and accrued income490/1€8k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.59M€1.89M▲
Equity10/15€923k€667k▼
Contributions10/11€24k€24k=
Profit (loss) carried forward14€899k€643k▼
Amounts payable17/49€668k€1.22M▲
Amounts payable after more than one year17€221k€176k▼
Financial debts170/4€221k€176k▼
Amounts payable within one year42/48€447k€1.04M▲
Current portion of amounts payable after more than one year42€45k€45k=
Trade debts44€339k€352k▲
Suppliers440/4€339k€352k▲
Taxes, remuneration and social security45€54k€38k▼
Taxes450/3€16k€6k▼
Remuneration and social security454/9€38k€32k▼
Other amounts payable47/48€9k€607k▲
Accrued charges and deferred income492/3€0€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€248
Remuneration, social security and pensions62€234k€219k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€158k€144k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€800k€805k▲
Operating profit (loss)9901€405k€441k▲
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€401k€439k▲
Income taxes67/77€98k€95k▼
Profit (loss) for the period9904€303k€344k▲
Profit (loss) for the period to be appropriated9905€303k€344k▲
Appropriation of the result
Profit (loss) to be appropriated9906€899k€1.24M▲
Profit (loss) brought forward from the previous period14P€596k€899k▲
Profit to be distributed694/7€0€600k▲
Return on contributions (dividend)694€0€540k▲
Directors or managers695-€60k
Social balance
Average headcount (FTE)90875.54.3▼
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
31-01
Financial
Highest result since 2020net €344k ▲13.4%
Operating result €441k, net result €344k, both a record.
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-01
Financial
Equity above €500kEq €537k ▲68.1%
3 profitable years in a row build equity to €537k.
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
31-01
Financial
Equity above €200kEq €319k ▲560%
2 profitable years in a row build equity to €319k.
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 32 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, Zonnebeke · 1 establishment unit since 2019
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.
Langemarkstraat 228980 ZonnebekeGround area
3,337 m²
Building footprint
1,155 m²
Volume, LiDAR
4,954 m³
Parcel 33037A0509/00T000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Proxi Delhaize Zonnebeke
since 20192.290.117.837
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33037A0509/00T000 | Flanders | 3,337 m² | 1 · 1,155 m² | 5.8 m · 1 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
2023 to 2024 · 2 entries · 924 EUR awarded · 924 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 924 EUR |
| 2023 | 1 | 924 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteZonnebeke2.290.117.837
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Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 2,743 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2019
Fiscal year end31-01
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:delhaizeproven@hotmail.com
Phone:0473344092