Equity
€239,671 ▲ 305%
Equity rose in 2025 from €59,153 to €239,671.
Vernda
Lifetime
7 annual accounts with figures on one time axispeak €252,320 (2025)
€252,320▲ 52.8%
lowest -€5,835 (2021)
€180,518▲ 55.0%
peak €239,671 (2025)
€239,671▲ 305%
€81,042▼ 67.7%
Board4 names since 2018
2 directorsDierickx Thomas and 1 other
Documentsfilings and deeds
23-04-20267 days before the deadline
2025micro format
Gross margin from €165,159 to €252,320Result from €116,480 to €180,518Equity from €59,153 to €239,671Debts from €251,042 to €81,042
Key points
from the 2025 annual accountsChecked score
99
Excellent
Financially stronger than 92% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged 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 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026highest value
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 4.72, cash €264,358
Equity €239,671 (74.7% of total assets)
Sector: Real estate activities (NACE 68)
Size: total assets €320,713
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 68, micro). It does better than 81% of them on solvency, 94% on liquidity, 95% on profitability and 97% on growth.
The bankruptcy probability was computed on 10-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 26,972 companies had the same profile as Vernda has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Vernda itself is lower: < 0.1% within 12 months. It rests on far more data about Vernda than the profile alone.
Test of the method
The method was tested on the 497,448 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 26,972 companies, not a prediction for Vernda. 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
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.72 (1.17 in 2024), above the usual 1.5. Short-term debt is 18.5% and cash 82.4% of total assets. 25.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 days early
2024
30 days early
2023
19 days early
2022
2 days early
2021
1 day early
2020
31 days early
2019
31 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 17 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 23 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end11-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0688537078
Publication in the Belgian Official Gazette
Gazette deed
Change of role: Dierickx Thomas, from statutory manager to statutory director
Appointment: De Rycke Els (successor statutory director) · “Het uitoefenen van het beroep van architect; Alle mogelijke advies en/of dienstenfuncties op het vlak van…” (deed in Dutch) · Legal-form conversion: to private limited company · General meeting of 28-12-2023 · Gazette deed
Publication in the Belgian Official Gazette
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Vernda Merelbeke-Melle | €320,713 | €252,320 | 74.7% | - |
| LDW Rentinvest Nazareth | €303,548 | €170,776 | 78.8% | - |
| AMELOT PROPERTIES Wavre | €316,953 | €262,205 | 48.6% | - |
| CELO PROJECTS Londerzeel | €294,436 | €197,427 | 25.4% | - |
| F&C CONSTRUCT-INVEST Namur | €397,366 | €198,718 | 48.9% | - |
| JDB-Consulting Lievegem | €338,292 | €164,873 | 88.0% | - |
| LV IMMO Berchem-Sainte-Agathe | €270,847 | €198,311 | 7.2% | - |
These companies have the same main activity as Vernda: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €271,000 and €397,000, founded between 2016 and 2018.
Official details
Source: KBO- Status
- Active since 17-01-2018Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 4 others
- Establishment unit
- 2.272.760.6769090 Merelbeke-Melle, since 17-01-2018
- Financial year end
- 30 September
- Peppol
- Reachable since 27-03-2026
Annual accounts to 30-09-2025
- ≈ €440,000estimated
- €320,713▲ 3.4%
- Filing
- Filed on 23-04-2026, 7 days before the end of the filing period
Insights on Vernda
Vernda files the micro format. That format states no turnover. The gross margin rose from €27,733 in 2019 to €252,320 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 Vernda
- What is the company number of Vernda?
- The company number of Vernda is 0688.537.078. The VAT number is the same number with BE in front: BE 0688.537.078.
- Where is Vernda based?
- The registered office is at Roowegel 2, 9090 Merelbeke-Melle.Company details
- What does Vernda do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of Vernda?
- Vernda is a private limited company (BV).
- When was Vernda founded?
- Vernda was founded on 17-01-2018.
- Is Vernda still active?
- Yes, Vernda is an active enterprise in the KBO register.
- What is the turnover of Vernda?
- The turnover in financial year 2025 is ≈ €440,000. This figure is estimated from the gross margin of €252,320 and 43 comparable companies (NACE 681). It probably lies between €330,000 and €740,000.Financials
- Is Vernda profitable?
- In financial year 2025, Vernda made a profit of €180,518.
- Where can I find the annual accounts of Vernda?
- Vernda filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Vernda due?
- Vernda must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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