VERNIMMEN · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VERNIMMEN is < 0.1% (very low). The 2025 annual accounts show equity of €741k and a net result of €68k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 94% of 2209 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 94% of 2209 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-05-2026, 62 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	30-05-2026	62 d early	2026-00127943
31-12-2024	31-07-2025	01-06-2025	60 d early	2025-00112214
31-12-2023	31-07-2024	22-05-2024	70 d early	2024-00092933
31-12-2022	31-07-2023	27-05-2023	65 d early	2023-00096341
31-12-2021	31-07-2022	07-06-2022	54 d early	2022-20049606
31-12-2020	31-07-2021	11-05-2021	81 d early	2021-13900012
31-12-2019	31-07-2020	09-06-2020	52 d early	2020-15500116
31-12-2018	31-07-2019	03-06-2019	58 d early	2019-15300474
31-12-2017	31-07-2018	11-06-2018	50 d early	2018-17200549
31-12-2016	31-07-2017	19-05-2017	73 d early	2017-12600240

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1988, 38 years in business.

No legal incidents

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

Administrative Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

< 0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€412k+16.3%

EBIT margin22.7%-2.9pp

Net result€68k+44.0%

Working capital€702k+6.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~4.3%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	95.7%	58.2%	better than 94% of 2209 sector peers
Net result	€68k	€60k	better than 54% of 2207 sector peers
Equity	€741k	€74k	better than 95% of 2209 sector peers
Gross operating margin	€187k	€96k	better than 77% of 2209 sector peers
Staff costs	€63k	€22k	higher than 86% of 359 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P94

Stable position over 2020-2025 · n=635-6573

Net result P54

Improving position over 2020-2025 · n=636-6567

Equity P95

Stable position over 2020-2025 · n=635-6573

Gross operating margin P77

Weakening position over 2020-2025 · n=635-6575

Describes the position versus peers, not a forecast.

Revenue

€412k

+16.3% 18-25

EBITDA

€121k

+30.7% 18-25

Net profit

€68k

+44.0% 18-25

Cash flow

€95k

+30.0% 18-25

Total assets

€774k

+11.1% 18-25

Equity

€741k

+10.0% 18-25

Working capital

€702k

+6.7% 18-25

Employees (FTE)

2

-41.0% 18-25

Staff costs

€63k

+8.7% 18-25

Income taxes

€25k

+35.9% 18-25

Dividends

€44k

-69.5% 18-25

Debt

€33k

+41.0% 18-25

Debt ≤ 1y

€32k

+37.3% 18-25

Current ratio

22.84

-21.5% 18-25

Quick ratio

22.84

-21.5% 18-25

Solvency

95.7%

-0.9% 18-25

Debt / equity

0.04

+28.1% 18-25

ROE

9.1%

+30.9% 18-25

ROA

8.7%

+29.7% 18-25

Net margin

5.3%

-71.3% 18-25

EBITDA margin

32.5%

-12.0% 18-25

Interest coverage

130.45

+55.4% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€121k
Net profit	€68k
Cash flow	€95k
Staff costs	€63k
Income taxes	€25k
Dividends	-
Total assets	€774k
Equity	€741k
Debt	€33k
of which ≤ 1y	€32k
of which > 1y	-
Working capital	€702k
Employees (FTE)	2.3

Ratios (computed)

	2025
Current ratio	22.84
Quick ratio	22.84
Working capital ratio	90.7%
Solvency	95.7%
Debt / equity	0.04
Long-term debt ratio	-
Interest coverage	130.45
Gross margin	-
Net margin	-
ROA	8.7%
ROE	9.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €40k · 5.2% Current assets €734k · 94.8%

Equity & liabilities

Equity €741k · 95.7% Debt €33k · 4.3%

Full annual accounts

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€774k
Fixed assets	21/28	€40k
Tangible fixed assets	22/27	€40k
Current assets	29/58	€734k
Amounts receivable within one year	40/41	€2k
Investments	50/53	€150k
Cash & bank	54/58	€563k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€774k
Equity	10/15	€741k
Contributions / capital	10/11	€19k
Reserves	13	€723k
Amounts payable	17/49	€33k
Amounts payable within one year	42/48	€32k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€187k
Operating result	9901	€93k
Financial income	75	€62
Financial charges	65	€927
Result before taxes	9903	€93k
Income taxes	67/77	€25k
Net result for the period	9904	€68k
Result to be appropriated	9905	€68k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

94 / 100 Excellent

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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

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

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Gentsesteenweg (DEN) 169, 9200 Dendermonde

Overig personenvervoer volgens een dienstregeling

since 19882.040.789.433

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area414 m²

Buildings1

Building footprint157 m²

Volume (LiDAR)1,147 m³

Tallest building13.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42006B0722/00N000	Flanders	414 m²	1 · 157 m²	13.4 m · 2 fl.

Methodology

via registered seat: 1

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

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

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

83 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 46

Solvency 100

Growth 73

Stability 100

Ask AI about this company

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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

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We hold annual accounts for 26 of the 258 companies in this sector. 9 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Exploitatie van taxi's49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Exploitatie van taxi's60220Ziekenvervoer86903Patiëntenvervoer per ambulance86920Exploitatie van taxi's49320Personenvervoer over de weg zonder dienstregeling49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Overig personenvervoer te land, n.e.g.49390Verhuur en lease van personenauto's en lichte bestelwagens (< 3,5 ton)77110Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110

Primary activity highlighted.

Names & trade names

Legal nameNL

VERNIMMEN

Registered office

Gentsesteenweg (DEN) 169

9200 Dendermonde, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.