VERM
ActiveSummary
VERM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €20k. Equity is growing by ~49.3% per year across the filed fiscal years. Its solvency ranks better than 58% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▼-7
Solvency88▼-2
Growth78=
Track record82
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.43 against 2.69 in 2024; short-term debt: 17.6% and cash: 54.3% of total assets), and 36.6% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
63.4%
Return on assets
19.6%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
18 d early
2024
44 d early
2023
51 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▲ 44.8%
2024 · €45k
Total assets
€102k▲ 49.3%
2024 · €68k
Net result
€20k▼ 16.5%
2024 · €24k
Working capital
€80k▲ 99.1%
2024 · €40k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€23k-€31k▲ 34.7%€26k▼ 17.7%
Net result€16k-€24k▲ 53.0%€20k▼ 16.5%
Equity€21k-€45k▲ 116%€65k▲ 44.8%
Total assets€75k-€68k▼ 9.5%€102k▲ 49.3%
Debt€55k-€24k▼ 56.8%€37k▲ 57.7%
Working capital€21k-€40k▲ 93.7%€80k▲ 99.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€4k ▼ 8.2%
Current assets
€98k ▲ 53.4%
Equity and liabilities €102k
Equity
€65k ▲ 44.8%
Debt
€37k ▲ 57.7%
Debt's share of the balance-sheet total rises from 34.6% to 36.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▼
2024 · €33k
Cash flow
€22k▼
2024 · €26k
Current ratio
5.43▲
2024 · 2.69
Debt to equity
0.58▲
2024 · 0.53
ROE
31.0%▼
2024 · 53.7%
ROA
19.6%▼
2024 · 35.1%
Interest coverage
393.09▼
2024 · 471.48
Debt ≤ 1 year
€18k▼
2024 · €24k
Income taxes
€5k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2k | €2k | ▲ 11.8% |
| Other operating charges640/8 | €384 | €387 | €544 | ▲ 40.4% |
| Gross operating margin9900 | €23k | €34k | €28k | ▼ 15.2% |
| Operating profit (loss)9901 | €23k | €31k | €26k | ▼ 17.7% |
| Financial income75/76B | €0 | €15 | €0 | ▼ 99.5% |
| Recurring financial income75 | €0 | €15 | €0 | ▼ 99.5% |
| Financial charges65/66B | €18 | €70 | €71 | ▲ 1.0% |
| Recurring financial charges65 | €18 | €70 | €71 | ▲ 1.0% |
| Profit (loss) for the period before taxes9903 | €23k | €31k | €25k | ▼ 17.8% |
| Income taxes67/77 | €7k | €7k | €5k | ▼ 22.2% |
| Profit (loss) for the period9904 | €16k | €24k | €20k | ▼ 16.5% |
| Profit (loss) for the period to be appropriated9905 | €16k | €24k | €20k | ▼ 16.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €75k | €68k | €102k | ▲ 49.3% |
| Fixed assets21/28 | - | €5k | €4k | ▼ 8.2% |
| Tangible fixed assets22/27 | - | €5k | €4k | ▼ 8.2% |
| Plant, machinery and equipment23 | - | €5k | €4k | ▼ 8.2% |
| Current assets29/58 | €75k | €64k | €98k | ▲ 53.4% |
| Amounts receivable within one year40/41 | €64k | €51k | €42k | ▼ 18.0% |
| Trade receivables40 | €64k | €51k | €36k | ▼ 28.1% |
| Other amounts receivable41 | - | €439 | €5k | ▲ 1,140% |
| Cash at bank and in hand54/58 | €6k | €13k | €55k | ▲ 338% |
| Deferred charges and accrued income490/1 | €5k | €0 | €474 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €75k | €68k | €102k | ▲ 49.3% |
| Equity10/15 | €21k | €45k | €65k | ▲ 44.8% |
| Contributions10/11 | €5k | €5k | €5k | = |
| Reserves13 | €16k | €40k | €60k | ▲ 50.5% |
| Distributable reserves133 | €16k | €40k | €60k | ▲ 50.5% |
| Amounts payable17/49 | €55k | €24k | €37k | ▲ 57.7% |
| Amounts payable within one year42/48 | €55k | €24k | €18k | ▼ 23.9% |
| Financial debts43 | €364 | €0 | - | - |
| Other loans439 | €364 | €0 | - | - |
| Trade debts44 | €37k | €9k | €2k | ▼ 80.2% |
| Suppliers440/4 | €37k | €9k | €2k | ▼ 80.2% |
| Taxes, remuneration and social security45 | €10k | €11k | €10k | ▼ 2.7% |
| Taxes450/3 | €10k | €9k | €8k | ▼ 9.9% |
| Remuneration and social security454/9 | - | €2k | €2k | ▲ 33.4% |
| Other amounts payable47/48 | €7k | €4k | €6k | ▲ 46.9% |
| Accrued charges and deferred income492/3 | - | - | €19k | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €24k | €20k | ▼ 16.5% |
| + Depreciation and write-downs630 | - | €2k | €2k | ▲ 11.8% |
| Operating cash flow (approximation) | €16k | €26k | €22k | ▼ 14.2% |
| Investment in fixed assets (approximation) | - | - | €-2k | - |
| Change in cash | - | €7k | €43k | ▲ 511% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 5.43
Current ratio from 2.69 to 5.43; short-term debt falls from €24k to €18k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €24k ▲53%
Operating result €31k, net result €24k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Aalter · 1 establishment unit since 2023
Ground area
1,156 m²
Building footprint
71 m²
Volume, LiDAR
375 m³
Parcel 44067C0109/00V003, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERM
since 20232.350.590.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44067C0109/00V003 | Flanders | 1,156 m² | 1 · 71 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,752. 3,025 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
18130Pre-press and pre-media services
62200Computer consultancy and computer facilities management
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.