Verneert
ActiveVerneert has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €989k and a net result of €94k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 94% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 6.0 against 4.39 in 2024; short-term debt: 10.7% and cash: 17.7% of total assets), and 11.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.1%
Return on assets
8.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
30 d late
2022
31 d late
2021
22 d late
2020
19 d early
2019
18 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€989k▲ 55.1%
2024 · €638k
2018: €430k
2019: €436k
2020: €458k
2021: €471k
2022: €445k
2023: €555k
2024: €638k
2018 → 2025
Total assets
€1.12M▲ 34.2%
2024 · €836k
2018: €785k
2019: €764k
2020: €768k
2021: €775k
2022: €725k
2023: €798k
2024: €836k
2018 → 2025
Net result
€94k▲ 9.0%
2024 · €86k
2018: €2k
2019: €6k
2020: €22k
2021: €13k
2022: €23k
2023: €109k
2024: €86k
2018 → 2025
Working capital
€602k▲ 14.4%
2024 · €526k
2018: €436k
2019: €462k
2020: €499k
2021: €492k
2022: €442k
2023: €530k
2024: €526k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€471k-€445k▼ 5.5%€555k▲ 24.6%€638k▲ 15.0%€989k▲ 55.1%
Operating result€23k-€35k▲ 52.6%€162k▲ 357%€123k▼ 24.0%€134k▲ 8.7%
Net result€13k-€23k▲ 72.1%€109k▲ 376%€86k▼ 21.1%€94k▲ 9.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€400k▲ 158%
Current assets
€723k▲ 6.1%
Equity and liabilities €1.12M
Equity
€989k▲ 55.1%
Debt
€133k▼ 32.9%
The debt ratio falls from 23.8% to 11.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€171k▲
2024 · €158k
Cash flow
€131k▲
2024 · €121k
Solvency
88.1%▲
2024 · 76.2%
Current ratio
6.00▲
2024 · 4.39
Quick ratio
4.49▲
2024 · 3.25
Debt / equity
0.13▼
2024 · 0.31
ROE
9.5%▼
2024 · 13.5%
ROA
8.4%▼
2024 · 10.3%
Interest coverage
42.00▲
2024 · 39.23
Debt
€133k▼
2024 · €199k
Debt ≤ 1 year
€121k▼
2024 · €155k
Debt > 1 year
€5k▼
2024 · €35k
Income taxes
€41k▲
2024 · €38k
Staff costs
€170k▲
2024 · €167k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€836k€1.12M▲
Fixed assets21/28€155k€400k▲
Tangible fixed assets22/27€155k€400k▲
Land and buildings22€71k€327k▲
Plant, machinery and equipment23€4k€8k▲
Furniture and vehicles24€80k€65k▼
Current assets29/58€681k€723k▲
Stocks and contracts in progress3€176k€181k▲
Stocks30/36€176k€181k▲
Amounts receivable within one year40/41€117k€163k▲
Trade receivables40€117k€163k▲
Current investments50/53€39k€175k▲
Cash at bank and in hand54/58€342k€199k▼
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€836k€1.12M▲
Equity10/15€638k€989k▲
Contributions10/11€366k€639k▲
Reserves13€272k€350k▲
Non-distributable reserves130/1€10k-
Reserves not available under the articles1311€10k-
Distributable reserves133€262k€350k▲
Amounts payable17/49€199k€133k▼
Amounts payable after more than one year17€35k€5k▼
Financial debts170/4€35k€5k▼
Amounts payable within one year42/48€155k€121k▼
Current portion of amounts payable after more than one year42€40k€33k▼
Trade debts44€87k€40k▼
Suppliers440/4€87k€40k▼
Taxes, remuneration and social security45€12k€29k▲
Taxes450/3€8k€26k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€17k€19k▲
Accrued charges and deferred income492/3€8k€8k▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Remuneration, social security and pensions62€167k€170k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€37k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€310▲
Other operating charges640/8€12k€14k▲
Gross operating margin9900€333k€355k▲
Operating profit (loss)9901€123k€134k▲
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€125k€135k▲
Income taxes67/77€38k€41k▲
Profit (loss) for the period9904€86k€94k▲
Profit (loss) for the period to be appropriated9905€86k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€94k▲
Transfer from equity791/2-€11k
Transfer to equity691/2€83k€89k▲
To other reserves6921€83k€89k▲
Profit to be distributed694/7€3k€16k▲
Return on contributions (dividend)694-€11k
Directors or managers695€3k€5k▲
Social balance
Average headcount (FTE)90872.72.7=
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €109k ▲376%
Operating result €162k, net result €109k, both a record.
31-12
Financial
Equity above €500kEq €555k ▲24.6%
6 profitable years in a row build equity to €555k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
5 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, Berlare · 1 establishment unit since 1985
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.
Veerstraat(U) 449290 BerlareGround area
2,332 m²
Building footprint
1,221 m²
Volume, LiDAR
6,727 m³
Parcel 42022A0498/00C002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERNEERT BOUWMATERIALEN
since 19852.124.714.328
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42022A0498/00C002 | Flanders | 2,332 m² | 1 · 1,221 m² | 7.9 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 739 EUR awarded · 739 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 237 EUR | 237 EUR |
| 2024 | 1 | 285 EUR | 285 EUR |
| 2022 | 1 | 217 EUR | 217 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
ALTRA DECOR
BE 0412.383.721
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GARSOU
BE 0441.206.082
Theux · Eq €986k
SODEBEL
BE 0443.061.752
Liège · Eq €993k
HENDRYCKX BOUWMATERIALEN
BE 0467.256.225
Koekelare · Eq €983k
LUC & DIRK MAES
BE 0442.280.210
Veurne · Eq €980k
Of 1,720 companies in sector 47521 we hold annual accounts for 1,288. 941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-1985
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
51532
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.