Vermades

Active

Private limited companyfounded 20251 yr activeKruiseekstraat 6, 8810 Lichtervelde, BelgiumKBO/BCE: BE 1022.992.286

Summary

The computed 12-month bankruptcy probability of Vermades is 3.2% (moderate). The 2025 annual accounts show equity of €16,954 and a net result of €11,954. Its solvency ranks better than 41% of 4286 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

VermadesActiveChecked score 51/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111

1 site

Size

€80,804total assets 2025

Staff: 0.5 FTE
Equity: €16,954
Profit: €11,954

Turnover not published (abridged schema)

Financial health

51 Fair Checked score 2025

Bankruptcy chance 12 m: 3.2%

Structure

Board: 1 member

Accounts 23 d early

Why 51- Size: 0.5 FTE, total assets €80,804- Founded in 2025- Sector Food and beverage service activities (NACE 56)+ Liquidity: current ratio 0.52, cash €16,689Show the evidence

Checked score

Score 2025

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 52% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Average

Solvency 46

equity 21.0% of total assets

Liquidity 44

short-term debt 61.3% · cash 20.7%

Profitability 87

return on assets 14.8%

Bankruptcy probability, 12 months

3.2% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,482 companies)

Last 24 months 06-2026: 3.9% 07-2026: 4.0%▲ +2.3% vs 06-2026highest value 08-2026: 3.0%▼ -24.6% vs 07-2026lowest value 09-2026: 3.1%▲ +2.1% vs 08-2026 10-2026: 3.2%▲ +2.1% vs 09-2026

Size: 0.5 FTE, total assets €80,804 raises the probability for this profile
Founded in 2025 raises the probability for this profile
Sector Food and beverage service activities (NACE 56) raises the probability
Liquidity: current ratio 0.52, cash €16,689 lowers the probability

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.52; short-term debt: 61.3% and cash: 20.7% of total assets), and 79% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 42%, liquidity 39%, profitability 74%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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