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VERMI

Active
Private limited companyfounded 195571 yrs activeLindestraat 10, 9240 Zele, BelgiumKBO/BCE: BE 0400.284.059
Summary

VERMI has been active since 1955 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €388,134 and a net result of -€5,438. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 63% of 36981 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
VERMIActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
#1 oldest company in Zele, Professional and technical services sector1 site
Size
€562,552total assets 2025
Equity
€388,134
Loss
-€5,438
Turnover not published (abridged schema)
Financial health
92 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 1 d late0 of 1 deed read
Why 92- Liquidity: current ratio 0.18, cash €9,187+ Size: total assets €562,552+ Figures for FY 2025 (filed 01-08-2026)+ Sector Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Better than 35% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 94-6
equity 69.0% of total assets
Liquidity 47-4
short-term debt 18.6% · cash 1.6%
Profitability 18-22
return on assets -1.0%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,599 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▼ -3.3% vs 12-2024 02-2025: 0.1%▲ +1.1% vs 01-2025 03-2025: 0.1%▲ +1.1% vs 02-2025 04-2025: 0.1%▲ +9.9% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%▲ +2.0% vs 05-2025 07-2025: 0.2%▲ +53.9% vs 06-2025 08-2025: 0.1%▼ -42.7% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -3.3% vs 12-2025 02-2026: 0.1%▲ +2.3% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +10.1% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▲ +14.3% vs 06-2026 08-2026: 0.3%▲ +138% vs 07-2026highest value 09-2026: 0.1%▼ -70.3% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €562,552 lowers the probability for this profile
  • Liquidity: current ratio 0.18, cash €9,187 raises the probability
  • Figures for FY 2025 (filed 01-08-2026) lowers the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Credit up to €35,000 at 30 days acceptable
Liquidity short (current ratio 0.18 against 65.14 in 2024; short-term debt: 18.6% and cash: 1.6% of total assets), and 31% 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 70, micro). Better than this share of them on solvency 64%, liquidity 27%, profitability 13%, growth against the median 36%. 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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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €562,552
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.18, cash €9,187
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 01-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-08-2026, 1 day 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 filings
Deviation from the deadline
2025
1 d late
2024
14 d early
2023
28 d early
2022
4 d early
2021
26 d early
2020
22 d early
2019
54 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 17 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€5,438
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Oldest company in Zele, Professional and technical services…in the Checked rankings #1 View
  • Active since 1955founded 11-02-1955 71 years View
  • Total assets 20256 fiscal years filed €562,552 View

By topic

Financials

Fiscal year
2025
Total assets
€562,552
Loss
-€5,438
Solvency
69.0%
Total assets▲ 21.9%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 01-08-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 17-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
11-02-1955
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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