Vernibo
ActiveVernibo has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €141k and a net result of €12k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 22% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+37
Solvency45▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.47 against 1.29 in 2024; short-term debt: 79.8% and cash: 0.6% of total assets), and 79.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
20.2%
Return on assets
1.7%
Age of the figures
9 mo
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 22% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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
40 d late
2024
31 d late
2023
89 d late
2022
60 d late
2021
74 d late
2020
89 d late
2019
88 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€333k
EBIT margin
9.9%
Net result
€12k▲ 763%
2024 · €1k
2018: €21k
2019: €2k
2020: €26k
2021: €4k
2022: €50k
2023: €920
2024: €1k
2018 → 2025
Working capital
€-297k
2024 · €92k
2018: €12k
2019: €37k
2020: €33k
2021: €15k
2022: €80k
2023: €76k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€127k▲ 65.2%€128k▲ 0.7%€129k▲ 1.1%€141k▲ 9.1%
Operating result€5k-€74k▲ 1,418%€13k▼ 81.9%€28k▲ 105%€28k▲ 2.2%
Net result€4k-€50k▲ 1,272%€920▼ 98.2%€1k▲ 48.1%€12k▲ 763%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €697k
Fixed assets
€438k▲ 410%
Current assets
€259k▼ 36.0%
Equity and liabilities €697k
Equity
€141k▲ 9.1%
Debt
€556k▲ 53.8%
The debt ratio rises from 73.7% to 79.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43k▼
2024 · €50k
Cash flow
€27k▲
2024 · €24k
Solvency
20.2%▼
2024 · 26.3%
Current ratio
0.47▼
2024 · 1.29
Quick ratio
0.08▼
2024 · 0.55
Debt / equity
3.94▲
2024 · 2.80
ROE
8.3%▲
2024 · 1.1%
ROA
1.7%▲
2024 · 0.3%
Interest coverage
6.59▲
2024 · 1.75
Debt
€556k▲
2024 · €362k
Debt ≤ 1 year
€556k▲
2024 · €313k
Income taxes
€10k▲
2024 · €2k
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€491k€697k▲
Fixed assets21/28€86k€438k▲
Tangible fixed assets22/27€86k€438k▲
Land and buildings22€507€380▼
Plant, machinery and equipment23€27k€18k▼
Furniture and vehicles24€9k€13k▲
Other tangible fixed assets26€50k€407k▲
Current assets29/58€405k€259k▼
Amounts receivable after more than one year29€35k-
Other amounts receivable291€35k-
Stocks and contracts in progress3€232k€215k▼
Stocks30/36€232k€215k▼
Amounts receivable within one year40/41€137k€39k▼
Trade receivables40€73k€32k▼
Other amounts receivable41€64k€6k▼
Cash at bank and in hand54/58-€4k
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€491k€697k▲
Equity10/15€129k€141k▲
Contributions10/11€19k€19k=
Reserves13€108k€108k=
Distributable reserves133€108k€108k=
Profit (loss) carried forward14€2k€14k▲
Amounts payable17/49€362k€556k▲
Amounts payable after more than one year17€48k-
Financial debts170/4€48k-
Amounts payable within one year42/48€313k€556k▲
Current portion of amounts payable after more than one year42€34k€2k▼
Financial debts43€237k-
Credit institutions430/8€237k-
Trade debts44€34k€31k▼
Suppliers440/4€34k€31k▼
Taxes, remuneration and social security45€8k€13k▲
Taxes450/3€7k€13k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48-€510k
Income statement
Code20242025
Non-recurring operating income76A€7k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€15k▼
Other operating charges640/8€3k€7k▲
Non-recurring operating charges66A-€50k
Gross operating margin9900€53k€100k▲
Operating profit (loss)9901€28k€28k▲
Financial income75/76B€4k€6▼
Recurring financial income75€4k€6▼
Financial charges65/66B€29k€7k▼
Recurring financial charges65€29k€7k▼
Profit (loss) for the period before taxes9903€3k€22k▲
Income taxes67/77€2k€10k▲
Profit (loss) for the period9904€1k€12k▲
Profit (loss) for the period to be appropriated9905€1k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€14k▲
Profit (loss) brought forward from the previous period14P€920€2k▲
The notes to these accounts (6 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 89 days late
2023
31-12
Financial
Weakest financial yearnet €920 ▼98.2%
Net result drops to €920, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €50k ▲1272%
Operating result €74k, net result €50k, both a record.
31-12
Financial
Equity above €100kEq €127k ▲65.2%
5 profitable years in a row build equity to €127k.
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 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, Sint-Katelijne-Waver · 1 establishment unit since 2012
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.
Hertstraat 612860 Sint-Katelijne-WaverGround area
679 m²
Building footprint
128 m²
Volume, LiDAR
651 m³
Parcel 12035E0476/00K000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hertstraat 61, 2860 Sint-Katelijne-Waver
since 20122.211.338.296
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035E0476/00K000 | Flanders | 679 m² | 1 · 128 m² | 7.3 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
2023 · 1 entry · 177 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 177 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,662 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2012
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
31001Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
68121Development of residential building projects
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.