VERMA
ActiveVERMA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €11k. Equity is growing by ~53.8% per year across the filed fiscal years. Its solvency ranks better than 76% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency91▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 1.98 in 2024; short-term debt: 34.2% and cash: 92.5% of total assets), and 34.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-11-2025, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
on the day
2023
39 d early
2022
28 d early
2021
1 d late
2020
5 d early
2019
23 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 64.3%
2024 · €17k
2019: €2k
2020: €3k
2021: €3k
2022: €6k
2023: €10k
2024: €17k
2019 → 2025
Total assets
€43k▲ 22.8%
2024 · €35k
2019: €14k
2020: €18k
2021: €18k
2022: €22k
2023: €20k
2024: €35k
2019 → 2025
Net result
€11k▲ 44.0%
2024 · €8k
2019: €773
2020: €948
2021: €-581
2022: €4k
2023: €3k
2024: €8k
2019 → 2025
Working capital
€29k▲ 63.3%
2024 · €17k
2019: €2k
2020: €2k
2021: €2k
2022: €6k
2023: €9k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€6k▲ 153%€10k▲ 49.3%€17k▲ 80.6%€28k▲ 64.3%
Operating result€4k-€9k▲ 140%€6k▼ 26.7%€12k▲ 86.2%€21k▲ 78.8%
Net result€-581-€4k€3k▼ 18.4%€8k▲ 144%€11k▲ 44.0%
Turnover and EBIT margin not published: the micro 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 79% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €43k
Equity
€28k▲ 64.3%
Debt
€15k▼ 17.1%
The debt ratio falls from 51.0% to 34.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
65.6%▲
2024 · 49.0%
Current ratio
2.93▲
2024 · 1.98
Quick ratio
2.93▲
2024 · 1.98
Debt / equity
0.52▼
2024 · 1.04
ROE
39.1%▼
2024 · 44.6%
ROA
25.7%▲
2024 · 21.9%
Debt
€15k▼
2024 · €18k
Debt ≤ 1 year
€15k▼
2024 · €18k
Income taxes
€7k▲
2024 · €1k
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€35k€43k▲
Fixed assets21/28-€0
Financial fixed assets28€0€0=
Current assets29/58€35k€43k▲
Amounts receivable within one year40/41€845€3k▲
Trade receivables40€845€3k▲
Current investments50/53€10k-
Cash at bank and in hand54/58€24k€40k▲
Equity and liabilities
Total equity and liabilities10/49€35k€43k▲
Equity10/15€17k€28k▲
Contributions10/11€7k€7k=
Capital10€7k€7k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€11k€22k▲
Tax-exempt reserves132€240€240=
Distributable reserves133€10k€21k▲
Profit (loss) carried forward14€262€391▲
Amounts payable17/49€18k€15k▼
Amounts payable within one year42/48€18k€15k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9€649€1k▲
Other amounts payable47/48€11k€8k▼
Accrued charges and deferred income492/3€169€106▼
Income statement
Code20242025
Other operating charges640/8€7k€3k▼
Gross operating margin9900€18k€24k▲
Operating profit (loss)9901€12k€21k▲
Financial income75/76B€21€100▲
Recurring financial income75€21€100▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€9k€18k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€8k€11k▲
Profit (loss) for the period to be appropriated9905€8k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€11k▲
Profit (loss) brought forward from the previous period14P€31€262▲
Transfer to equity691/2€8k€11k▲
To other reserves6921€8k€11k▲
The notes to these accounts (1 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
2025
26-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
31-03
Financial
Highest result since 2019net €11k ▲44%
Operating result €21k, net result €11k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
22-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2021
01-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
31-03
Financial
Weakest financial yearnet €-581 ▼161%
Net result drops to €-581, the lowest in the series; recovery starts the following year.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 23 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
10-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 10 days late
Financial milestoneNBB 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1989
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.
Schoonzichtgaarde 161200 Sint-Lambrechts-WoluweGround area
417 m²
Building footprint
171 m²
Volume, LiDAR
3,468 m³
2 parcels, Brussels · tallest building 30.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
VERMA
since 19892.041.410.827
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0154/00P035 | Brussels | 211 m² | 1 · 119 m² | 30.5 m · 9 fl. |
| 21672C0058/00M007 | Brussels | 206 m² | 1 · 52 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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FILIP WILLEMS
BE 0475.647.220
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Vernet
BE 0428.120.485
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NATURATHOME
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Of 4,246 companies in sector 47789 we hold annual accounts for 1,021. 698 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-1988
Fiscal year end31-03
Activities, NACEBEL
47789Other retail sale of new goods
52498
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.