Summary
VERNIPA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €600,395 and a net result of €62,553. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 77% of 1426 sector peers (fiscal year 2024). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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
not confirmed
2024
27 d late
2023
28 d late
2022
60 d late
2021
61 d late
2020
31 d late
2019
89 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 49 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
In the rankings
#10 oldest company in Hamme, Finance and insurance sector
Equity
€600,395▲ 11.6%
2023 · €537,843
Net result
€62,553▼ 8.6%
2023 · €68,469
Total assets
€829,210▲ 8.7%
2023 · €762,938
Solvency
72.4%▲ 1.9pp
2023 · 70.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€43,294▲ 4.2%€74,532▲ 72.2%€53,621▼ 28.1%€111,288▲ 108%€102,216▼ 8.2%
Net result€25,370within the sector's middle half▲ 5.1%€52,879within the sector's middle half▲ 108%€37,183within the sector's middle half▼ 29.7%€68,469within the sector's middle half▲ 84.1%€62,553within the sector's middle half▼ 8.6%
Equity€379,311within the sector's middle half▲ 7.2%€432,190within the sector's middle half▲ 13.9%€469,374within the sector's middle half▲ 8.6%€537,843within the sector's middle half▲ 14.6%€600,395within the sector's middle half▲ 11.6%
Total assets€529,864within the sector's middle half▲ 4.2%€600,959within the sector's middle half▲ 13.4%€661,979within the sector's middle half▲ 10.2%€762,938within the sector's middle half▲ 15.3%€829,210within the sector's middle half▲ 8.7%
Debt€150,552▼ 2.7%€168,769▲ 12.1%€192,605▲ 14.1%€225,095▲ 16.9%€228,815▲ 1.7%
Working capital€376,308above the sector's middle half▲ 10.2%€428,491above the sector's middle half▲ 13.9%€467,706above the sector's middle half▲ 9.2%€536,703above the sector's middle half▲ 14.8%€599,785above the sector's middle half▲ 11.8%
Solvency71.6%above the sector's middle half▲ 2.0pp71.9%above the sector's middle half▲ 0.3pp70.9%above the sector's middle half▼ 1.0pp70.5%within the sector's middle half▼ 0.4pp72.4%above the sector's middle half▲ 1.9pp
Current ratio3.50above the sector's middle half▲ 0.293.54above the sector's middle half▲ 0.043.43above the sector's middle half▼ 0.113.38within the sector's middle half▼ 0.043.62above the sector's middle half▲ 0.24
Return on assets (ROA)4.8%within the sector's middle half=8.8%within the sector's middle half▲ 4.0pp5.6%within the sector's middle half▼ 3.2pp9.0%within the sector's middle half▲ 3.4pp7.5%within the sector's middle half▼ 1.4pp
Staff (FTE)4.4within the sector's middle half▼ 4.3%4.5within the sector's middle half▲ 2.3%5.5within the sector's middle half▲ 22.2%5.1within the sector's middle half▼ 7.3%4.6within the sector's middle half▼ 9.8%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 8% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €829,210
Fixed assets
€610 ▼ 46.4%
Current assets
€828,600 ▲ 8.8%
Equity and liabilities €829,210
Equity
€600,395 ▲ 11.6%
Debt
€228,815 ▲ 1.7%
Debt's share of the balance-sheet total falls from 29.5% to 27.6%. Equity and debt are higher.
Key figures and ratios
ROE
10.4%▼
2023 · 12.7%
Debt ≤ 1 year
€228,815▲
2023 · €225,095
Income taxes
€35,570▼
2023 · €39,189
Staff costs
€356,499▼
2023 · €374,804
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €295,594 | €378,723 | €374,804 | €356,499 | ▼ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,554 | €1,950 | €2,031 | €529 | €529 | = |
| Other operating charges640/8 | - | €2,926 | €3,085 | €1,376 | €3,118 | ▲ 127% |
| Gross operating margin9900 | €315,237 | €375,002 | €437,460 | €487,997 | €462,361 | ▼ 5.3% |
| Operating profit (loss)9901 | €43,294 | €74,532 | €53,621 | €111,288 | €102,216 | ▼ 8.2% |
| Financial income75/76B | - | €1 | - | €1 | - | - |
| Recurring financial income75 | €166 | €1 | - | €1 | - | - |
| Financial charges65/66B | - | €1,952 | €1,954 | €3,631 | €4,093 | ▲ 12.7% |
| Recurring financial charges65 | €1,863 | €1,952 | €1,954 | €3,631 | €4,093 | ▲ 12.7% |
| Profit (loss) for the period before taxes9903 | €41,598 | €72,581 | €51,667 | €107,657 | €98,122 | ▼ 8.9% |
| Income taxes67/77 | €16,228 | €19,702 | €14,484 | €39,189 | €35,570 | ▼ 9.2% |
| Profit (loss) for the period9904 | €25,370 | €52,879 | €37,183 | €68,469 | €62,553 | ▼ 8.6% |
| Profit (loss) for the period to be appropriated9905 | €25,370 | €52,879 | €37,183 | €68,469 | €62,553 | ▼ 8.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €529,864 | €600,959 | €661,979 | €762,938 | €829,210 | ▲ 8.7% |
| Fixed assets21/28 | €3,003 | €3,699 | €1,668 | €1,139 | €610 | ▼ 46.4% |
| Tangible fixed assets22/27 | €3,003 | €3,699 | €1,668 | €1,139 | €610 | ▼ 46.4% |
| Plant, machinery and equipment23 | - | €3,699 | €1,668 | €1,139 | €610 | ▼ 46.4% |
| Current assets29/58 | €526,860 | €597,260 | €660,311 | €761,799 | €828,600 | ▲ 8.8% |
| Amounts receivable within one year40/41 | €69,887 | €78,786 | €32,137 | €85,370 | €81,675 | ▼ 4.3% |
| Trade receivables40 | - | €78,786 | €28,621 | €85,370 | €81,675 | ▼ 4.3% |
| Other amounts receivable41 | - | - | €3,516 | - | - | - |
| Cash at bank and in hand54/58 | €456,768 | €518,378 | €627,567 | €676,332 | €746,925 | ▲ 10.4% |
| Deferred charges and accrued income490/1 | - | €96 | €607 | €97 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €529,864 | €600,959 | €661,979 | €762,938 | €829,210 | ▲ 8.7% |
| Equity10/15 | €379,311 | €432,190 | €469,374 | €537,843 | €600,395 | ▲ 11.6% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €27,230 | €27,230 | €27,230 | €27,230 | €89,782 | ▲ 230% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €25,370 | €25,370 | €27,230 | €89,782 | ▲ 230% |
| Profit (loss) carried forward14 | €345,881 | €398,761 | €435,944 | €504,413 | €504,413 | = |
| Amounts payable17/49 | €150,552 | €168,769 | €192,605 | €225,095 | €228,815 | ▲ 1.7% |
| Amounts payable within one year42/48 | €150,552 | €168,769 | €192,605 | €225,095 | €228,815 | ▲ 1.7% |
| Current portion of amounts payable after more than one year42 | - | €80,000 | €90,000 | €110,000 | €110,000 | = |
| Trade debts44 | €6,339 | €7,815 | €11,755 | €1,293 | €9,921 | ▲ 667% |
| Suppliers440/4 | - | €7,815 | €11,755 | €1,293 | €9,921 | ▲ 667% |
| Taxes, remuneration and social security45 | - | €36,120 | €43,905 | €62,748 | €60,696 | ▼ 3.3% |
| Taxes450/3 | - | - | - | €18,897 | €17,570 | ▼ 7.0% |
| Remuneration and social security454/9 | - | €36,120 | €43,905 | €43,850 | €43,126 | ▼ 1.7% |
| Other amounts payable47/48 | - | €44,835 | €46,946 | €51,054 | €48,198 | ▼ 5.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,370 | €52,879 | €37,183 | €68,469 | €62,553 | ▼ 8.6% |
| + Depreciation and write-downs630 | €9,554 | €1,950 | €2,031 | €529 | €529 | = |
| Operating cash flow (approximation) | €34,924 | €54,829 | €39,214 | €68,998 | €63,082 | ▼ 8.6% |
| Investment in fixed assets (approximation) | - | -€2,645 | €0 | €0 | €0 | - |
| Change in cash | - | €61,610 | €109,188 | €48,765 | €70,593 | ▲ 44.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €68,469 ▲84.1%
Operating result €111,288, net result €68,469, both a record.
31-12
Financial
Equity above €500,000Eq €537,843 ▲14.6%
6 profitable years in a row build equity to €537,843.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €24,132 ▼22.5%
Net result drops to €24,132, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Hamme (Vl.) · 2 establishment units since 2004
Ground area
753 m²
Building footprint
314 m²
Volume, LiDAR
1,817 m³
2 parcels, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
VERNIPA
since 20042.144.336.141
VERNIPA
since 20042.231.576.258
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002C0381/00L000 | Flanders | 637 m² | 1 · 129 m² | 12.5 m · 3 fl. |
| 42452B0437/00L000 | Flanders | 115 m² | 1 · 185 m² | 8.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,499 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-09-2004
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0867318669
Also
9925:BE0867318669
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.