VERNIMO
ActiveVERNIMO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €369k and a net result of €7k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 53% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+1
Solvency85▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.2 in 2024; short-term debt: 32.1% and cash: 0.3% of total assets), and 40.3% 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○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 →
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
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
59.7%
Return on assets
1.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
22 d early
2023
1 d early
2022
4 d early
2021
3 d early
2020
3 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€369k▲ 1.8%
2024 · €362k
2019: €332k
2020: €344k
2021: €351k
2022: €358k
2023: €359k
2024: €362k
2019 → 2025
Total assets
€618k▼ 6.0%
2024 · €658k
2019: €644k
2020: €622k
2021: €620k
2022: €667k
2023: €643k
2024: €658k
2019 → 2025
Net result
€7k▲ 79.1%
2024 · €4k
2019: €8k
2020: €18k
2021: €8k
2022: €7k
2023: €309
2024: €4k
2019 → 2025
Working capital
€-197k▼ 15.2%
2024 · €-171k
2019: €-173k
2020: €-59k
2021: €-84k
2022: €-109k
2023: €-142k
2024: €-171k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€351k-€358k▲ 2.1%€359k▲ 0.1%€362k▲ 1.0%€369k▲ 1.8%
Operating result€15k-€15k▼ 1.4%€5k▼ 68.8%€9k▲ 86.0%€12k▲ 30.9%
Net result€8k-€7k▼ 3.1%€309▼ 95.8%€4k▲ 1,103%€7k▲ 79.1%
Turnover and EBIT margin not published: the 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 31% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €618k
Fixed assets
€616k=
Current assets
€2k▼ 95.7%
Equity and liabilities €618k
Equity
€369k▲ 1.8%
Debt
€249k▼ 15.7%
The debt ratio falls from 44.9% to 40.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
59.7%▲
2024 · 55.1%
Current ratio
0.01▼
2024 · 0.20
Quick ratio
0.01▼
2024 · 0.20
Debt / equity
0.67▼
2024 · 0.82
ROE
1.8%▲
2024 · 1.0%
ROA
1.1%▲
2024 · 0.6%
Debt
€249k▼
2024 · €296k
Debt ≤ 1 year
€198k▼
2024 · €212k
Debt > 1 year
€51k▼
2024 · €83k
Income taxes
€2k▲
2024 · €1k
Staff costs
€0▼
2024 · €101
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€658k€618k▼
Fixed assets21/28€616k€616k=
Tangible fixed assets22/27€616k€616k=
Land and buildings22€616k€616k=
Current assets29/58€41k€2k▼
Amounts receivable within one year40/41€41k€0▼
Trade receivables40€41k€0▼
Cash at bank and in hand54/58€494€2k▲
Equity and liabilities
Total equity and liabilities10/49€658k€618k▼
Equity10/15€362k€369k▲
Contributions10/11€206k€206k=
Capital10€206k€206k=
Issued capital100€206k€206k=
Reserves13€21k€21k=
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Profit (loss) carried forward14€136k€143k▲
Amounts payable17/49€296k€249k▼
Amounts payable after more than one year17€83k€51k▼
Financial debts170/4€83k€51k▼
Amounts payable within one year42/48€212k€198k▼
Current portion of amounts payable after more than one year42€33k€33k=
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€161k€152k▼
Income statement
Code20242025
Remuneration, social security and pensions62€101€0▼
Other operating charges640/8€634€537▼
Gross operating margin9900€10k€12k▲
Operating profit (loss)9901€9k€12k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€5k€9k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€4k€7k▲
Profit (loss) for the period to be appropriated9905€4k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€136k€143k▲
Profit (loss) brought forward from the previous period14P€132k€136k▲
The notes to these accounts (2 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €309 ▼95.8%
Net result drops to €309, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €18k ▲128%
Operating result €27k, net result €18k, both a record.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oostende · 1 establishment unit since 1990
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.
Torhoutsesteenweg 6958400 OostendeGround area
5,638 m²
Building footprint
2,599 m²
Volume, LiDAR
13,901 m³
Parcel 35020A0075/00Y000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERNIMO
since 19902.048.175.982
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020A0075/00Y000 | Flanders | 5,638 m² | 1 · 2,599 m² | 9.0 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 · 1 entry · 41 EUR awarded · 41 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 41 EUR | 41 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
LUCALEX INVEST
BE 0693.881.580
Olne · Eq €369k
UT CURO
BE 0785.315.859
Roeselare · Eq €369k
AUG7
BE 0806.692.481
Opwijk · Eq €369k
Allugo Services
BE 0742.588.349
Blégny · Eq €369k
BSW Invest
BE 1016.215.352
Antwerpen · Eq €369k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-04-1990
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.