VERMIEGO
ActiveVERMIEGO has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €625k and a net result of €60k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 19% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
69
/ 100
Healthy▲ +20 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability48▲+31
Solvency38▲+10
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 0.33 in 2023), and 76.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 20787 sector peers (2024).
NBB · sector comparisonPosition among 20787 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
188 d late
2022
70 d late
2021
141 d late
2020
89 d late
2019
94 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€625k▲ 10.7%
2023 · €565k
2018: €387k
2019: €384k
2020: €385k
2021: €578k
2022: €546k
2023: €565k
2018 → 2024
Total assets
€2.68M▲ 18.3%
2023 · €2.26M
2018: €1.54M
2019: €1.46M
2020: €1.39M
2021: €2.02M
2022: €2.01M
2023: €2.26M
2018 → 2024
Net result
€60k▲ 211%
2023 · €19k
2018: €47k
2019: €-2k
2020: €934
2021: €8k
2022: €-32k
2023: €19k
2018 → 2024
Working capital
€46k
2023 · €-111k
2018: €377k
2019: €295k
2020: €252k
2021: €183k
2022: €-9k
2023: €-111k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€385k-€578k▲ 50.0%€546k▼ 5.6%€565k▲ 3.6%€625k▲ 10.7%
Operating result€17k-€26k▲ 48.9%€-17k€36k€78k▲ 114%
Net result€934-€8k▲ 745%€-32k€19k€60k▲ 211%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 114% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.68M
Fixed assets
€2.18M▼ 1.4%
Current assets
€499k▲ 818%
Equity and liabilities €2.68M
Equity
€625k▲ 10.7%
Provisions
€116k▼ 3.3%
Debt
€1.94M▲ 22.7%
The debt ratio rises from 69.7% to 72.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€96k▲
2023 · €54k
Cash flow
€79k▲
2023 · €38k
Solvency
23.4%▼
2023 · 25.0%
Current ratio
1.10▲
2023 · 0.33
Quick ratio
1.10▲
2023 · 0.33
Debt / equity
3.09▲
2023 · 2.79
ROE
9.6%▲
2023 · 3.4%
ROA
2.3%▲
2023 · 0.9%
Interest coverage
4.82▲
2023 · 2.74
Debt
€1.94M▲
2023 · €1.58M
Debt ≤ 1 year
€453k▲
2023 · €166k
Debt > 1 year
€1.48M▲
2023 · €1.41M
Income taxes
€1k▲
2023 · €919
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.26M€2.68M▲
Fixed assets21/28€2.21M€2.18M▼
Tangible fixed assets22/27€611k€593k▼
Land and buildings22€611k€593k▼
Financial fixed assets28€1.60M€1.58M▼
Current assets29/58€54k€499k▲
Amounts receivable within one year40/41-€493k
Other amounts receivable41-€493k
Cash at bank and in hand54/58€0€7k▲
Deferred charges and accrued income490/1€54k-
Equity and liabilities
Total equity and liabilities10/49€2.26M€2.68M▲
Equity10/15€565k€625k▲
Contributions10/11€346k€346k=
Capital10€346k€346k=
Issued capital100€346k€346k=
Reserves13€232k€224k▼
Tax-exempt reserves132€232k€224k▼
Profit (loss) carried forward14€-13k€55k▲
Provisions and deferred taxes16€119k€116k▼
Deferred taxes168€119k€116k▼
Amounts payable17/49€1.58M€1.94M▲
Amounts payable after more than one year17€1.41M€1.48M▲
Financial debts170/4€1.41M€1.48M▲
Amounts payable within one year42/48€166k€453k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€122k€101k▼
Suppliers440/4€122k€101k▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€26k€335k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€2k€3k▲
Gross operating margin9900€57k€98k▲
Operating profit (loss)9901€36k€78k▲
Financial charges65/66B€20k€20k▲
Recurring financial charges65€20k€20k▲
Profit (loss) for the period before taxes9903€16k€58k▲
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€919€1k▲
Profit (loss) for the period9904€19k€60k▲
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€27k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€55k▲
Profit (loss) brought forward from the previous period14P€-40k€-13k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
04-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 188 days late
2024
31-12
Financial
Highest result since 2018net €60k ▲211%
Operating result €78k, net result €60k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.10
Current ratio from 0.33 to 1.10.
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €-32k ▼511%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
19-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 141 days late
2021
31-12
Financial
Equity above €500kEq €578k ▲50%
2 profitable years in a row build equity to €578k.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Back to profitnet €934
Net result €934 after one loss-making year.
31-12
Financial
Liquidity times 20current ratio 309.28
Current ratio from 15.34 to 309.28; short-term debt falls from €21k to €819.
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 27 days late
2016
02-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Ans · 1 establishment unit since 1995
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.
Rue des Coquelicots 234431 AnsGround area
5,877 m²
Building footprint
453 m²
Volume, LiDAR
6,611 m³
2 parcels, Wallonia · tallest building 24.6 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Moulin 30, 4300 Waremme
since 19952.070.007.021
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64074C0272/00R000 | Wallonia | 3,997 m² | 1 · 277 m² | 24.6 m · 7 fl. |
| 62066A0015/00V000 | Wallonia | 1,880 m² | 1 · 176 m² | 8.0 m · 2 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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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 5,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-09-1994
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.