Equity
-€23,317
Debts exceed assets in financial year 2025.
VerMer
Lifetime
8 annual accounts with figures on one time axispeak €129,380 (2021)
-€41,303▼ €83,385
lowest -€52,666 (2025)
-€52,666▼ €81,015
peak €136,071 (2022)
-€23,317▼ €52,666
€86,150▼ 10.3%
Board2 names since 2017
2 directorsMertens Karen and 1 other
Documentsfilings and deeds
09-06-202652 days before the deadline
2025abbreviated format
Gross margin from €42,082 to -€41,303Loss of €52,666Equity from €29,349 to -€23,317Investments €20,934Cash from €28,693 to €8,036
Key points
from the 2025 annual accountsResult
-€52,666 -€52,666
From profit to loss in 2025, after a profit of €28,349 in 2024.
Debts
€86,150 137% of the balance sheet
Financial debts 2%Suppliers 7%Taxes and wages 8%Other 83%
Of this, €84,529 falls due within a year.
Investments
€20,934 2.2 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 36.1% higher than in 2024.
Liquidity
0.35 was 1.13 in 2024
Short-term debts fell from €91,233 to €84,529.
Position in the sector
-37.1%
Lower solvency than 91% of companies in office administrative support. Sector median 41.3% · 2,829 companies.
Turnover not published (abbreviated format)
Checked score
52
Fair
Financially stronger than 5% of micro companies in office administrative support (NACE 82)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.3 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 1.1%▲ +1.0 percentage point vs 06-2026highest value
08-2026: 1.1%● unchanged vs 07-2026highest value
09-2026: 1.1%● unchanged vs 08-2026highest value
10-2026: 1.1%● unchanged vs 09-2026highest value
11-2026: 1.1%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€23,317
Loss of €52,666 (financial year 2025)
lowers risk
Size: total assets €62,833
Sector: Office administrative, office support and other business support activities (NACE 82)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 5% of them on solvency, 9% on liquidity, 5% on profitability and 2% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as VerMer has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VerMer itself is lower: 1.1% within 12 months. It rests on far more data about VerMer than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for VerMer. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.35 (1.13 in 2024), below 1. Short-term debt is 134.5% and cash 12.8% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€23,317
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 09-06-2026, 52 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
52 days early
2024
62 days early
2023
59 days early
2022
65 days early
2021
9 days late
2020
61 days early
2019
59 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 50 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
MK
Mertens Karen
Director, since 27-11-2017
VD
Verduyckt Dries
Director, since 29-11-2017
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0685489003
Company renamed from VerMer Management to VerMer
“Besturen van vennootschappen welke voorwerp deze vennootschappen ook mochten hebben,het uitoefenen van de…” (deed in Dutch) · General meeting of 15-04-2021 · Gazette deed
Registered office moved from Leuven to Wezemaal
New registered office: Vinneveld 39 te 3111 Wezemaal · Previous registered office: Joris Helleputteplein 3/303 te 3000 Leuven · General meeting of 06-12-2019 · Gazette deed
Incorporation
published on 01-12-2017 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VerMer Rotselaar | €62,833 | -€41,303 | -37.1% | - |
| Stable Seven Zemst | €50,331 | €800 | 100.0% | - |
| BZ Coaching & Consulting Tielt-Winge | €78,886 | €1,070 | 48.4% | - |
| Shipset7 Leuven | €66,639 | -€159,916 | 83.7% | - |
| HOBESC Mouscron | €62,880 | -€872 | 98.1% | - |
| BCDR Westerlo | €57,921 | -€66,254 | -1091.6% | - |
| ATOR Zoersel | €65,375 | -€16,434 | 68.9% | - |
These companies have the same main activity as VerMer: other business support services (NACE 82990). They are comparable in size and age: total assets between €50,300 and €78,900, founded between 2017 and 2019.
Official details
Source: KBO- Status
- Active since 29-11-2017Normal situation
- Activity
- Other business support servicesNACE 82990
- Establishment unit
- 2.270.388.4333111 Rotselaar, since 29-11-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2026
Annual accounts 2025
- €62,833▼ 49.9%
- Filing
- Filed on 09-06-2026, 52 days before the end of the filing period
Insights on VerMer
VerMer files the abbreviated format. That format states no turnover. The gross margin fell from €7,769 in 2018 to -€41,303 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VerMer
- What is the company number of VerMer?
- The company number of VerMer is 0685.489.003. The VAT number is the same number with BE in front: BE 0685.489.003.
- Where is VerMer based?
- The registered office is at Vinneveld 39, 3111 Rotselaar.Company details
- What does VerMer do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of VerMer?
- VerMer is a private limited company (BV).
- When was VerMer founded?
- VerMer was founded on 29-11-2017.
- Is VerMer still active?
- Yes, VerMer is an active enterprise in the KBO register.
- What is the turnover of VerMer?
- The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.Financials
- Is VerMer profitable?
- In financial year 2025, VerMer made a loss of €52,666.
- Where can I find the annual accounts of VerMer?
- VerMer filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VerMer due?
- VerMer must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.