Veromax
ActiveSummary
Veromax has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53,923 and a net result of €16,077. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
What they do
Retail trade
NACE 47715
1 site
How big
€74,608total assets 2025
- Equity
- €53,923
- Profit
- €16,077
Turnover not published (abridged schema)
Who decides
Accounts filed 7 d late0 of 3 deeds read
Why 88- Higher-failure-rate sector+ Annual accounts: healthy financial profile+ Long track record+ Growing equityA punctual record breaksShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability96▼-4
Solvency97▼-3
Growth49=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 3.65 against 3.79 in 2024; short-term debt: 26.7% and cash: 80.2% of total assets), and 27.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 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
72.3%
Return on assets
21.5%
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
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 €53,923
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
1 d early
2023
2 d early
2022
12 d early
2021
5 d early
2020
4 d early
2019
2 d early
← 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 3 days before 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 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2018net €20,060 ▲40.3%
Financials
Fiscal year 2025Total assets €74,608Profit €16,077Solvency 72.3%Liquidity 3.65
Turnover
€255,373=
2018 - 2019
Net result
€16,077▼ 19.9%
2018 - 2025
Equity
€53,923▲ 42.5%
2018 - 2025
Staff (FTE)
1.3▼ 23.5%
2018 - 2020
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€4,604▲ 78.1%€2,277€15,000▲ 559%€23,581▲ 57.2%€25,544▲ 8.3%
Net result-€5,985below the sector's middle half▲ 71.9%€1,445within the sector's middle half€14,296within the sector's middle half▲ 889%€20,060within the sector's middle half▲ 40.3%€16,077within the sector's middle half▼ 19.9%
EBIT margin
Equity€32,571within the sector's middle half▼ 15.5%€23,016within the sector's middle half▼ 29.3%€28,312within the sector's middle half▲ 23.0%€37,846within the sector's middle half▲ 33.7%€53,923within the sector's middle half▲ 42.5%
Total assets€61,373within the sector's middle half▼ 14.5%€39,310below the sector's middle half▼ 35.9%€47,926below the sector's middle half▲ 21.9%€50,529below the sector's middle half▲ 5.4%€74,608within the sector's middle half▲ 47.7%
Debt€28,802▼ 13.2%€16,294▼ 43.4%€19,613▲ 20.4%€12,682▼ 35.3%€20,686▲ 63.1%
Working capital€20,523within the sector's middle half▼ 20.7%€9,931within the sector's middle half▼ 51.6%€20,196within the sector's middle half▲ 103%€34,189within the sector's middle half▲ 69.3%€52,852within the sector's middle half▲ 54.6%
Solvency53.1%within the sector's middle half▼ 0.7pp58.6%within the sector's middle half▲ 5.5pp59.1%within the sector's middle half▲ 0.5pp74.9%above the sector's middle half▲ 15.8pp72.3%above the sector's middle half▼ 2.6pp
Current ratio2.06within the sector's middle half▼ 0.381.76within the sector's middle half▼ 0.302.12within the sector's middle half▲ 0.353.79above the sector's middle half▲ 1.673.65above the sector's middle half▼ 0.13
Return on assets (ROA)-9.8%below the sector's middle half▲ 19.9pp3.7%within the sector's middle half▲ 13.4pp29.8%above the sector's middle half▲ 26.2pp39.7%above the sector's middle half▲ 9.9pp21.5%above the sector's middle half▼ 18.2pp
Staff (FTE)
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 and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74,608
Fixed assets
€1,827 ▼ 55.1%
Current assets
€72,782 ▲ 56.7%
Equity and liabilities €74,608
Equity
€53,923 ▲ 42.5%
Debt
€20,686 ▲ 63.1%
Debt's share of the balance-sheet total rises from 25.1% to 27.7%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
€26,035▼
2024 · €28,533
Cash flow
€16,568▼
2024 · €25,011
Quick ratio
3.49▼
2024 · 3.53
Debt to equity
0.38▲
2024 · 0.34
ROE
29.8%▼
2024 · 53.0%
Interest coverage
18.93▼
2024 · 58.55
Debt ≤ 1 year
€19,930▲
2024 · €12,271
Income taxes
€8,879▲
2024 · €3,192
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,341 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 34,696 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €4,788 | €8,657 | ▲ 80.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,817 | €6,799 | €7,011 | €4,951 | €491 | ▼ 90.1% |
| Other operating charges640/8 | €1,725 | €1,254 | €1,107 | €833 | €542 | ▼ 34.9% |
| Non-recurring operating charges66A | - | €675 | - | - | - | - |
| Gross operating margin9900 | €3,938 | €11,006 | €23,118 | €29,365 | €26,577 | ▼ 9.5% |
| Operating profit (loss)9901 | -€4,604 | €2,277 | €15,000 | €23,581 | €25,544 | ▲ 8.3% |
| Financial income75/76B | €137 | €5 | €36 | €158 | €787 | ▲ 398% |
| Recurring financial income75 | €137 | €5 | €36 | €158 | €787 | ▲ 398% |
| Financial charges65/66B | €1,117 | €505 | €577 | €487 | €1,375 | ▲ 182% |
| Recurring financial charges65 | €1,117 | €505 | €577 | €487 | €1,375 | ▲ 182% |
| Profit (loss) for the period before taxes9903 | -€5,585 | €1,777 | €14,460 | €23,252 | €24,956 | ▲ 7.3% |
| Income taxes67/77 | €400 | €332 | €164 | €3,192 | €8,879 | ▲ 178% |
| Profit (loss) for the period9904 | -€5,985 | €1,445 | €14,296 | €20,060 | €16,077 | ▼ 19.9% |
| Profit (loss) for the period to be appropriated9905 | -€5,985 | €1,445 | €14,296 | €20,060 | €16,077 | ▼ 19.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €61,373 | €39,310 | €47,926 | €50,529 | €74,608 | ▲ 47.7% |
| Fixed assets21/28 | €21,552 | €16,363 | €9,661 | €4,068 | €1,827 | ▼ 55.1% |
| Tangible fixed assets22/27 | €21,552 | €16,363 | €9,661 | €4,068 | €1,827 | ▼ 55.1% |
| Plant, machinery and equipment23 | - | €671 | €779 | €562 | €346 | ▼ 38.5% |
| Furniture and vehicles24 | €20,877 | €15,692 | €8,882 | €3,506 | €1,481 | ▼ 57.8% |
| Other tangible fixed assets26 | €675 | - | - | - | - | - |
| Current assets29/58 | €39,821 | €22,948 | €38,264 | €46,460 | €72,782 | ▲ 56.7% |
| Stocks and contracts in progress3 | €12,925 | - | €4,351 | €3,151 | €3,151 | = |
| Stocks30/36 | €12,925 | - | €4,351 | €3,151 | €3,151 | = |
| Amounts receivable within one year40/41 | €6,496 | €8,675 | €12,782 | €7,265 | €6,099 | ▼ 16.1% |
| Trade receivables40 | €4,146 | €7,667 | €11,460 | €6,655 | €6,098 | ▼ 8.4% |
| Other amounts receivable41 | €2,350 | €1,008 | €1,322 | €610 | €1 | ▼ 99.8% |
| Cash at bank and in hand54/58 | €15,385 | €11,396 | €18,175 | €23,813 | €59,871 | ▲ 151% |
| Deferred charges and accrued income490/1 | €5,016 | €2,877 | €2,956 | €12,231 | €3,661 | ▼ 70.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €61,373 | €39,310 | €47,926 | €50,529 | €74,608 | ▲ 47.7% |
| Equity10/15 | €32,571 | €23,016 | €28,312 | €37,846 | €53,923 | ▲ 42.5% |
| Contributions10/11 | €20,000 | €20,000 | €22,000 | €22,000 | €22,000 | = |
| Outside capital11 | €20,000 | - | - | - | - | - |
| Other1109/19 | €20,000 | - | - | - | - | - |
| Reserves13 | €39,820 | €28,327 | €17,327 | €15,846 | €31,923 | ▲ 101% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | - | - | - | - |
| Distributable reserves133 | €37,820 | €26,327 | €17,327 | €15,846 | €31,923 | ▲ 101% |
| Profit (loss) carried forward14 | -€27,248 | -€25,311 | -€11,015 | - | - | - |
| Amounts payable17/49 | €28,802 | €16,294 | €19,613 | €12,682 | €20,686 | ▲ 63.1% |
| Amounts payable after more than one year17 | €8,852 | €2,982 | - | - | - | - |
| Financial debts170/4 | €8,852 | €2,982 | - | - | - | - |
| Amounts payable within one year42/48 | €19,298 | €13,016 | €18,069 | €12,271 | €19,930 | ▲ 62.4% |
| Current portion of amounts payable after more than one year42 | €5,748 | €5,870 | €2,982 | - | - | - |
| Trade debts44 | €1,733 | €870 | €7,920 | €1,602 | €6,278 | ▲ 292% |
| Suppliers440/4 | €1,733 | €870 | €7,920 | €1,602 | €6,278 | ▲ 292% |
| Taxes, remuneration and social security45 | €9,988 | €5,377 | €7,167 | €5,380 | €7,499 | ▲ 39.4% |
| Taxes450/3 | €9,988 | €5,377 | €7,167 | €5,380 | €5,633 | ▲ 4.7% |
| Remuneration and social security454/9 | - | - | - | - | €1,866 | - |
| Other amounts payable47/48 | €1,828 | €899 | - | €5,289 | €6,153 | ▲ 16.3% |
| Accrued charges and deferred income492/3 | €652 | €296 | €1,544 | €412 | €756 | ▲ 83.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,985 | €1,445 | €14,296 | €20,060 | €16,077 | ▼ 19.9% |
| + Depreciation and write-downs630 | €6,817 | €6,799 | €7,011 | €4,951 | €491 | ▼ 90.1% |
| Operating cash flow (approximation) | €832 | €8,244 | €21,307 | €25,011 | €16,568 | ▼ 33.8% |
| Investment in fixed assets (approximation) | - | -€1,610 | -€309 | €641 | €1,750 | ▲ 173% |
| Change in cash | - | -€3,989 | €6,779 | €5,638 | €36,058 | ▲ 540% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
Quality Brands Maasmechelen
BE 0713.881.594
Maasmechelen · Eq €55,283
MAÏTIA
BE 0742.887.762
Beveren-Kruibeke-Zwijndrecht · Eq €52,505
BELLO FASHION
BE 0799.132.619
Liège · Eq €51,931
Global Workwear
BE 0628.970.467
Anderlecht · Eq €56,266
LAEDY CLOTHES
BE 0777.955.737
Martelange · Eq €50,961
Of 658 companies in this sector we hold annual accounts for 187. 158 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
13 eventsLatest 07-08-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €20,060 ▲40.3%
Net result €20,060, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €1,445
Net result €1,445 after 2 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€21,264
Net result drops to -€21,264, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Company details
Private limited company · founded 04-01-2012Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded04-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47770Retail sale of watches and jewellery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0842442921
Also
9925:BE0842442921
Registered
29-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2012
Ground area
1,027 m²
Building footprint
262 m²
Volume, LiDAR
4,424 m³
Parcel 11003A0182/02C000, Flanders · tallest building 19.1 m, ±6 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Boetiek Nadette
since 2012unit no. 2.205.596.292
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0182/02C000 | Flanders | 1,027 m² | 1 · 262 m² | 19.1 m · 6 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.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.