vernal.be
Activevernal.be has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €542k and a net result of €39k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 8091 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-9
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 12.16 against 8.65 in 2023; short-term debt: 4.3% and cash: 17.2% of total assets), and 4.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
95.7%
Return on assets
6.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
14 d late
2023
23 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€542k▲ 7.8%
2023 · €503k
2022: €430k
2023: €503k
2022 → 2024
Total assets
€566k▲ 6.6%
2023 · €531k
2022: €785k
2023: €531k
2022 → 2024
Net result
€39k▼ 46.7%
2023 · €73k
2022: €10k
2023: €73k
2022 → 2024
Working capital
€271k▲ 25.4%
2023 · €216k
2022: €-262k
2023: €216k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€430k-€503k▲ 17.0%€542k▲ 7.8%
Operating result€21k-€56k▲ 163%€54k▼ 4.8%
Net result€10k-€73k▲ 600%€39k▼ 46.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 5% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €566k
Fixed assets
€271k▼ 5.6%
Current assets
€296k▲ 20.8%
Equity and liabilities €566k
Equity
€542k▲ 7.8%
Debt
€24k▼ 14.1%
The debt ratio falls from 5.3% to 4.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2023 · €73k
Cash flow
€56k▼
2023 · €90k
Solvency
95.7%▲
2023 · 94.7%
Current ratio
12.16▲
2023 · 8.65
Quick ratio
12.16▲
2023 · 8.65
Debt / equity
0.04▼
2023 · 0.06
ROE
7.2%▼
2023 · 14.6%
ROA
6.9%▼
2023 · 13.8%
Interest coverage
22.66▲
2023 · 20.77
Debt
€24k▼
2023 · €28k
Debt ≤ 1 year
€24k▼
2023 · €28k
Income taxes
€16k▼
2023 · €19k
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€531k€566k▲
Fixed assets21/28€287k€271k▼
Tangible fixed assets22/27€266k€251k▼
Land and buildings22€254k€239k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€10k€8k▼
Financial fixed assets28€20k€20k=
Current assets29/58€245k€296k▲
Amounts receivable after more than one year29€25k€50k▲
Other amounts receivable291€25k€50k▲
Amounts receivable within one year40/41€53k€56k▲
Trade receivables40€36k€16k▼
Other amounts receivable41€17k€40k▲
Current investments50/53€21k€88k▲
Cash at bank and in hand54/58€142k€98k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€531k€566k▲
Equity10/15€503k€542k▲
Contributions10/11€419k€419k=
Reserves13€84k€123k▲
Distributable reserves133€84k€123k▲
Amounts payable17/49€28k€24k▼
Amounts payable within one year42/48€28k€24k▼
Trade debts44€1k€788▼
Suppliers440/4€1k€788▼
Taxes, remuneration and social security45€27k€24k▼
Taxes450/3€27k€24k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€14€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€75k€73k▼
Operating profit (loss)9901€56k€54k▼
Financial income75/76B€40k€5k▼
Recurring financial income75€40k€5k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€92k€55k▼
Income taxes67/77€19k€16k▼
Profit (loss) for the period9904€73k€39k▼
Profit (loss) for the period to be appropriated9905€73k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€39k▼
Transfer to equity691/2€73k€39k▼
To other reserves6921€73k€39k▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
31-12
Financial
Highest result since 2022net €73k ▲600%
Operating result €56k, net result €73k, both a record.
31-12
Financial
Liquidity times 33current ratio 8.65
Current ratio from 0.26 to 8.65; short-term debt falls from €355k to €28k.
31-12
Financial
Equity above €500kEq €503k ▲17%
2 profitable years in a row build equity to €503k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schoten · 1 establishment unit since 2021
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.
Dennenlei 282900 SchotenGround area
2,177 m²
Building footprint
236 m²
Volume, LiDAR
551 m³
Parcel 11040D0187/00N004, Flanders · tallest building 12.8 m. Linked by address, not a title deed.
1 establishment unit
vernal.be
since 20212.320.159.628
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0187/00N004 | Flanders | 2,177 m² | 1 · 236 m² | 12.8 m |
Linked by address, not proof of ownership
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.
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ARCHITECTEN - EN INGENIEURSBURO OSQB
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 34,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.vernal.be