VERO - IMAGE
ActiveSummary
VERO - IMAGE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €779,821 and a net result of €123,368. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 90% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65,000 at 30 days acceptable
Liquidity ample (current ratio 10.44 against 17.94 in 2024; short-term debt: 8.7% and cash: 8.3% of total assets), and 15.5% of the assets are financed with debt.
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Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
84.5%
Return on assets
13.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €779,821
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
9 d early
2023
2 d early
2022
29 d late
2021
26 d late
2020
26 d late
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 25 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€779,821▲ 18.8%
2024 · €656,453
Total assets
€922,567▲ 20.2%
2024 · €767,731
Net result
€123,368▲ 118%
2024 · €56,607
Working capital
€757,772▲ 21.0%
2024 · €626,383
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,708€9,948▲ 29.1%€22,019▲ 121%€80,379▲ 265%€174,233▲ 117%
Net result€7,583within the sector's middle half€9,855within the sector's middle half▲ 30.0%€14,412within the sector's middle half▲ 46.2%€56,607above the sector's middle half▲ 293%€123,368above the sector's middle half▲ 118%
Equity€575,579above the sector's middle half▲ 1.3%€585,434above the sector's middle half▲ 1.7%€599,846above the sector's middle half▲ 2.5%€656,453above the sector's middle half▲ 9.4%€779,821above the sector's middle half▲ 18.8%
Total assets€582,019above the sector's middle half▲ 0.2%€596,936above the sector's middle half▲ 2.6%€619,087above the sector's middle half▲ 3.7%€767,731above the sector's middle half▲ 24.0%€922,567above the sector's middle half▲ 20.2%
Debt€6,440▼ 49.7%€11,502▲ 78.6%€19,241▲ 67.3%€111,278▲ 478%€142,746▲ 28.3%
Working capital€576,375above the sector's middle half▲ 1.2%€585,418above the sector's middle half▲ 1.6%€600,518above the sector's middle half▲ 2.6%€626,383above the sector's middle half▲ 4.3%€757,772above the sector's middle half▲ 21.0%
Solvency98.9%above the sector's middle half▲ 1.1pp98.1%above the sector's middle half▼ 0.8pp96.9%above the sector's middle half▼ 1.2pp85.5%above the sector's middle half▼ 11.4pp84.5%above the sector's middle half▼ 1.0pp
Current ratio54.04above the sector's middle half33.39above the sector's middle half▼ 20.6517.94above the sector's middle half▼ 15.4610.44above the sector's middle half▼ 7.49
Return on assets (ROA)1.3%within the sector's middle half▲ 1.5pp1.7%within the sector's middle half▲ 0.3pp2.3%within the sector's middle half▲ 0.7pp7.4%within the sector's middle half▲ 5.0pp13.4%above the sector's middle half▲ 6.0pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 117% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €922,567
Fixed assets
€84,557 ▼ 19.0%
Current assets
€838,010 ▲ 26.3%
Equity and liabilities €922,567
Equity
€779,821 ▲ 18.8%
Debt
€142,746 ▲ 28.3%
Debt's share of the balance-sheet total rises from 14.5% to 15.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€200,846▲
2024 · €81,044
Cash flow
€149,981▲
2024 · €57,272
Debt to equity
0.18▲
2024 · 0.17
ROE
15.8%▲
2024 · 8.6%
Interest coverage
38.92▲
2024 · 7.71
Debt ≤ 1 year
€80,238▲
2024 · €36,983
Debt > 1 year
€62,508▼
2024 · €73,592
Income taxes
€55,525▲
2024 · €22,137
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,134 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €528 | €523 | €451 | €665 | €26,613 | ▲ 3,902% |
| Other operating charges640/8 | €1,511 | €1,676 | €720 | €732 | €12,864 | ▲ 1,657% |
| Gross operating margin9900 | €9,747 | €12,147 | €23,190 | €81,776 | €213,710 | ▲ 161% |
| Operating profit (loss)9901 | €7,708 | €9,948 | €22,019 | €80,379 | €174,233 | ▲ 117% |
| Financial income75/76B | €8,215 | €8,266 | €8,421 | €8,876 | €9,820 | ▲ 10.6% |
| Recurring financial income75 | €8,215 | €8,266 | €8,421 | €8,876 | €9,820 | ▲ 10.6% |
| Financial charges65/66B | €4,328 | €3,205 | €6,746 | €10,511 | €5,160 | ▼ 50.9% |
| Recurring financial charges65 | €4,328 | €3,205 | €6,746 | €10,511 | €5,160 | ▼ 50.9% |
| Profit (loss) for the period before taxes9903 | €11,595 | €15,009 | €23,694 | €78,744 | €178,893 | ▲ 127% |
| Income taxes67/77 | €4,012 | €5,154 | €9,282 | €22,137 | €55,525 | ▲ 151% |
| Profit (loss) for the period9904 | €7,583 | €9,855 | €14,412 | €56,607 | €123,368 | ▲ 118% |
| Profit (loss) for the period to be appropriated9905 | €7,583 | €9,855 | €14,412 | €56,607 | €123,368 | ▲ 118% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €582,019 | €596,936 | €619,087 | €767,731 | €922,567 | ▲ 20.2% |
| Fixed assets21/28 | €1,003 | €481 | €30 | €104,365 | €84,557 | ▼ 19.0% |
| Tangible fixed assets22/27 | €1,003 | €481 | €30 | €104,365 | €84,557 | ▼ 19.0% |
| Plant, machinery and equipment23 | €828 | €423 | €17 | - | - | - |
| Furniture and vehicles24 | - | - | - | €104,365 | €84,557 | ▼ 19.0% |
| Other tangible fixed assets26 | €175 | €58 | €13 | - | - | - |
| Current assets29/58 | €581,016 | €596,455 | €619,057 | €663,366 | €838,010 | ▲ 26.3% |
| Amounts receivable within one year40/41 | €560,991 | €573,389 | €580,421 | €654,684 | €761,311 | ▲ 16.3% |
| Trade receivables40 | €8,728 | €15,482 | €7,172 | €37,490 | €65,975 | ▲ 76.0% |
| Other amounts receivable41 | €552,263 | €557,907 | €573,249 | €617,194 | €695,336 | ▲ 12.7% |
| Current investments50/53 | €2,839 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €16,662 | €22,583 | €38,042 | €8,262 | €76,342 | ▲ 824% |
| Deferred charges and accrued income490/1 | €524 | €483 | €594 | €420 | €357 | ▼ 15.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €582,019 | €596,936 | €619,087 | €767,731 | €922,567 | ▲ 20.2% |
| Equity10/15 | €575,579 | €585,434 | €599,846 | €656,453 | €779,821 | ▲ 18.8% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €555,128 | €564,983 | €579,395 | €636,002 | €759,370 | ▲ 19.4% |
| Amounts payable17/49 | €6,440 | €11,502 | €19,241 | €111,278 | €142,746 | ▲ 28.3% |
| Amounts payable after more than one year17 | - | - | - | €73,592 | €62,508 | ▼ 15.1% |
| Financial debts170/4 | - | - | - | €73,592 | €62,508 | ▼ 15.1% |
| Amounts payable within one year42/48 | €4,641 | €11,037 | €18,539 | €36,983 | €80,238 | ▲ 117% |
| Current portion of amounts payable after more than one year42 | - | - | - | €10,408 | €11,084 | ▲ 6.5% |
| Trade debts44 | €2,366 | €6,895 | €7,295 | €12,006 | €19,635 | ▲ 63.5% |
| Suppliers440/4 | €2,366 | €6,895 | €7,295 | €12,006 | €19,635 | ▲ 63.5% |
| Taxes, remuneration and social security45 | €2,275 | €4,142 | €11,244 | €14,569 | €49,519 | ▲ 240% |
| Taxes450/3 | €2,275 | €4,142 | €11,244 | €14,569 | €49,519 | ▲ 240% |
| Accrued charges and deferred income492/3 | €1,799 | €465 | €702 | €703 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,583 | €9,855 | €14,412 | €56,607 | €123,368 | ▲ 118% |
| + Depreciation and write-downs630 | €528 | €523 | €451 | €665 | €26,613 | ▲ 3,902% |
| Operating cash flow (approximation) | €8,111 | €10,378 | €14,863 | €57,272 | €149,981 | ▲ 162% |
| Investment in fixed assets (approximation) | - | -€1 | €0 | -€105,000 | -€6,805 | ▲ 93.5% |
| Change in cash | - | €5,921 | €15,459 | -€29,780 | €68,080 | ▲ 329% |
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
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2018net €123,368 ▲118%
Operating result €174,233, net result €123,368, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €7,583
Net result €7,583 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 125.19
Current ratio from 52.63 to 125.19; short-term debt falls from €11,030 to €4,641.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Weakest financial yearnet -€1,282
Net result drops to -€1,282, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Brasschaat · 1 establishment unit since 1997
Ground area
702 m²
Building footprint
115 m²
Volume, LiDAR
514 m³
Parcel 11323F0465/00B002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
VERO-IMAGE
since 19972.103.069.173
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0465/00B002 | Flanders | 702 m² | 1 · 115 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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GOFFINET-ENERGIES
BE 0455.261.679
Habay · Eq €795,616
DE GRABBELTON
BE 0459.948.957
Herentals · Eq €796,486
Freddy Hupperts
BE 0418.328.138
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Of 3,225 companies in sector 47781 we hold annual accounts for 742. 478 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 (pre-2019)
Founded30-12-1996
Fiscal year end31-12
Activities, NACEBEL 2025
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
73110Advertising agencies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0459659937
Also
9925:BE0459659937
Registered
13-10-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.