VERONDEX 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 €1.09M and a net result of €81k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 3322 sector peers (fiscal year 2024). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. 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 29-09-2025, 60 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
60 d late
2023
61 d late
2022
60 d late
2021
59 d late
2020
31 d late
2019
67 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.09M▲ 7.9%
2023 · €1.01M
2018: €746k
2019: €828k
2020: €902k
2021: €997k
2022: €956k
2023: €1.01M
2018 → 2024
Net result
€81k▲ 41.0%
2023 · €58k
2018: €59k
2019: €82k
2020: €74k
2021: €95k
2022: €9k
2023: €58k
2018 → 2024
Total assets
€1.45M▲ 9.2%
2023 · €1.33M
2018: €755k
2019: €868k
2020: €1.01M
2021: €1.06M
2022: €1.25M
2023: €1.33M
2018 → 2024
Solvency
75.4%▼ 0.9pp
2023 · 76.3%
2018: 98.9%
2019: 95.5%
2020: 89.5%
2021: 93.8%
2022: 76.4%
2023: 76.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€902k-€997k▲ 10.5%€956k▼ 4.1%€1.01M▲ 6.0%€1.09M▲ 7.9%
Operating result€91k-€121k▲ 32.7%€1k▼ 98.9%€91k▲ 6,704%€102k▲ 11.7%
Net result€74k-€95k▲ 28.6%€9k▼ 90.8%€58k▲ 562%€81k▲ 41.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 12% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.45M
Fixed assets
€567k▼ 10.4%
Current assets
€884k▲ 27.0%
Equity and liabilities €1.45M
Equity
€1.09M▲ 7.9%
Debt
€358k▲ 13.5%
The debt ratio rises from 23.7% to 24.6%. Equity and debt are higher.
Key figures and ratios
Solvency
75.4%▼
2023 · 76.3%
ROE
7.4%▲
2023 · 5.7%
ROA
5.6%▲
2023 · 4.3%
Debt
€358k▲
2023 · €315k
Debt ≤ 1 year
€129k▲
2023 · €63k
Debt > 1 year
€229k▼
2023 · €252k
Income taxes
€20k▼
2023 · €31k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.33M€1.45M▲
Fixed assets21/28€633k€567k▼
Tangible fixed assets22/27€631k€566k▼
Land and buildings22€448k€422k▼
Plant, machinery and equipment23€56k€49k▼
Furniture and vehicles24€128k€95k▼
Financial fixed assets28€1k€1k▼
Current assets29/58€696k€884k▲
Amounts receivable within one year40/41€147k€234k▲
Trade receivables40€24k€15k▼
Other amounts receivable41€123k€219k▲
Current investments50/53€475k€621k▲
Cash at bank and in hand54/58€71k€26k▼
Deferred charges and accrued income490/1€3k€3k=
Equity and liabilities
Total equity and liabilities10/49€1.33M€1.45M▲
Equity10/15€1.01M€1.09M▲
Contributions10/11€205k€205k=
Reserves13€307k€352k▲
Non-distributable reserves130/1€20k€20k=
Reserves not available under the articles1311€20k€20k=
Tax-exempt reserves132€101k€101k=
Distributable reserves133€185k€230k▲
Profit (loss) carried forward14€502k€537k▲
Amounts payable17/49€315k€358k▲
Amounts payable after more than one year17€252k€229k▼
Financial debts170/4€252k€229k▼
Amounts payable within one year42/48€63k€129k▲
Current portion of amounts payable after more than one year42€29k€23k▼
Trade debts44€14k€22k▲
Suppliers440/4€14k€22k▲
Taxes, remuneration and social security45€21k€21k▲
Taxes450/3€20k€21k▲
Remuneration and social security454/9€159€419▲
Other amounts payable47/48€2€62k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€70k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€168k€175k▲
Operating profit (loss)9901€91k€102k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€88k€102k▲
Income taxes67/77€31k€20k▼
Profit (loss) for the period9904€58k€81k▲
Profit (loss) for the period to be appropriated9905€58k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€559k€583k▲
Profit (loss) brought forward from the previous period14P€502k€502k=
Transfer to equity691/2€58k€45k▼
To other reserves6921€58k€45k▼
Profit to be distributed694/7-€2k
Directors or managers695-€2k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €1MEq €1.01M ▲6%
6 profitable years in a row build equity to €1.01M.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €9k ▼90.8%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Highest result since 2018net €95k ▲28.6%
Operating result €121k, net result €95k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 118 days late
26-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 483 days late
26-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 848 days late
2009
20-08
NBB filing
Annual accounts filed
fiscal year 2008 · abbreviated schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Roosdaal · 2 establishment units 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.
Lostraat 1531760 RoosdaalGround area
3,727 m²
Building footprint
1,012 m²
Volume, LiDAR
4,641 m³
2 parcels, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Lostraat 153, 1760 Roosdaal
since 19902.049.767.376
Ninoofsesteenweg 385, 1750 Lennik
since 20222.336.065.846
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23722A0020/00T000 | Flanders | 2,437 m² | 1 · 147 m² | 7.4 m · 2 fl. |
| 23075A0207/00F000 | Flanders | 1,290 m² | 1 · 864 m² | 7.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,117 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-1990
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
01610Support activities for crop production
46220Wholesale trade
68201Renting and operating of own or leased residential real estate, excluding social housing
81300Landscape service activities
91041Libraries, archives, museums and other cultural activities
91410Libraries, archives, museums and other cultural activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.