Active BE 0716.782.092Private limited company

VERNA

Grendelbaan 78 ·3590 Diepenbeek, Belgium· 7 yrs active

Sector: Real estate agency activities (68310)

Conclusion Checked

VERNA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €68k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 13655 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€20k
Net result	€68k
Staff (FTE)	0.8
Better than sector	37%

Financial profile 5 of 5 axes measured · computed by Checked

71 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 56

Profitability 100

Solvency 20

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

56 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€1k

estimate, not credit advice

Score history

45 2020

12 2021

56 2022

25 2023

56 2024

56 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.93 (< 1.0) -10

Leverage Debt/equity 5.58 (> 3.0) -10

Profitability ROE 339% (≥ 10%) +10

Interest coverage Interest coverage 58.3× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview7 NBB filings

Annual accounts filed on 29-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	15.2%	29.8%	better than 37% of 13655 sector peers
Net result	€68k	€6k	better than 86% of 13656 sector peers
Equity	€20k	€78k	better than 31% of 13671 sector peers
Gross operating margin	€129k	€41k	better than 80% of 13639 sector peers
Staff costs	€5k	€28k	higher than 29% of 2373 sector peers

EBITDA

€123k

+186.1% 20-25

Net profit

€68k

+967.2% 20-25

Cash flow

€90k

+135.6% 20-25

Total assets

€132k

-4.0% 20-25

Equity

€20k

+255.7% 20-25

Working capital

€-5k

+48.1% 20-25

Employees (FTE)

1

+60.0% 20-25

Staff costs

€5k

+114.6% 20-25

Income taxes

€31k

+1202.2% 20-25

Dividends

€53k

- 20-25

Debt

€112k

-15.1% 20-25

Debt ≤ 1y

€71k

+10.3% 20-25

Debt > 1y

€41k

-39.3% 20-25

Current ratio

0.93

+9.4% 20-25

Quick ratio

0.93

+9.4% 20-25

Solvency

15.2%

+270.6% 20-25

Debt / equity

5.58

-76.1% 20-25

ROE

339.2%

+200.0% 20-25

ROA

51.5%

+1011.9% 20-25

Interest coverage

58.34

+213.0% 20-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€123k	€43k	€11k	€72k	€-4k
Net profit	€68k	€6k	€-24k	€47k	€-23k
Cash flow	€90k	€38k	€8k	€70k	€-6k
Staff costs	€5k	€2k	€54	€12k	€3k
Income taxes	€31k	€2k	€520	€263	€201
Dividends	€53k	-	-	-	-
Total assets	€132k	€137k	€149k	€225k	€245k
Equity	€20k	€6k	€-735	€23k	€-24k
Debt	€112k	€132k	€149k	€202k	€269k
of which ≤ 1y	€71k	€64k	€66k	€103k	€194k
of which > 1y	€41k	€67k	€84k	€100k	€75k
Working capital	€-5k	€-10k	€-30k	€-23k	€-9k
Employees (FTE)	0.8	-	-	0.5	0.2

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.93	0.85	0.54	0.77	0.95
Quick ratio	0.93	0.85	0.54	0.77	0.95
Working capital ratio	-3.8%	-7.1%	-20.5%	-10.3%	-3.6%
Solvency	15.2%	4.1%	-0.5%	10.2%	-9.9%
Debt / equity	5.58	23.39	-203.02	8.84	-11.08
Long-term debt ratio	2.05	11.99	-113.75	4.35	-3.08
Interest coverage	58.34	18.64	3.88	35.58	-2.67
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	51.5%	4.6%	-15.9%	21.0%	-9.3%
ROE	339.2%	113.1%	3212.4%	206.3%	93.9%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €66k · 50.1% Current assets €66k · 49.9%

Equity & liabilities

Equity €20k · 15.2% Debt €112k · 84.8%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€132k	€137k	€149k	€225k	€245k
Fixed assets	21/28	€66k	€83k	€113k	€146k	€60k
Tangible fixed assets	22/27	€66k	€83k	€113k	€146k	€60k
Current assets	29/58	€66k	€54k	€35k	€79k	€186k
Amounts receivable within one year	40/41	€6k	€331	€3k	€18k	€19k
Cash & bank	54/58	€60k	€53k	€32k	€61k	€166k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€132k	€137k	€149k	€225k	€245k
Equity	10/15	€20k	€6k	€-735	€23k	€-24k
Contributions / capital	10/11	€20k	€20k	€20k	€20k	€20k
Reserves	13	-	€3k	€3k	€3k	-
Accumulated profits (losses)	14	-	€-17k	€-24k	-	€-44k
Amounts payable	17/49	€112k	€132k	€149k	€202k	€269k
Amounts payable after one year	17	€41k	€67k	€84k	€100k	€75k
Amounts payable within one year	42/48	€71k	€64k	€66k	€103k	€194k
Trade debts payable within one year	44	€5k	€2k	€1k	€6k	€3k
Income statement
Gross operating margin	9900	€129k	€46k	€14k	€86k	€-817
Operating result	9901	€101k	€11k	€-20k	€49k	€-21k
Financial income	75	€0	€0	€0	€35	€0
Financial charges	65	€2k	€2k	€3k	€2k	€2k
Result before taxes	9903	€99k	€9k	€-23k	€47k	€-23k
Income taxes	67/77	€31k	€2k	€520	€263	€201
Net result for the period	9904	€68k	€6k	€-24k	€47k	€-23k
Result to be appropriated	9905	€68k	€6k	€-24k	€47k	€-23k

Legal Structure

NACE primary	Real estate agency activities(68310)
Legal form	Private limited company(610)
Incorporation	21-12-2018
Status	Active
Postal code	3590

Establishment units 1 location

VERNA

Grendelbaan 78, 3590 DiepenbeekReal estate activities

since 20182.286.337.411

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71402D0320/00R000	Flanders	1,588 m²	1 · 167 m²	8.2 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 7 events

All 11Financial 4Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2020net €68k ▲967%

Operating result €101k, net result €68k, both a record.

25-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €6k

Net result €6k after one loss-making year.

31-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-24k ▼150%

Net result drops to €-24k, the lowest in the series; recovery starts the following year.

14-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €47k

Net result €47k after 2 loss-making years.

20-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

30-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 30 days late

2020

17-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 17 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Real estate agency activities68310Real estate activities68311Air transport51100Air transport51210Renting and operating of own or leased residential real estate, excluding social housing68201Property management for co-owned buildings (syndics)68321

Names & trade names

Legal nameNL

VERNA

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