Veroscopo
ActiveVeroscopo has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €92k and a net result of €15k. Equity is growing by ~63.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 8969 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +14 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▲+74
Solvency97▼-1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.99 in 2023), and 46.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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
55 d late
2023
27 d late
2022
11 d early
2021
33 d early
2020
44 d early
2019
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€92k▲ 19.0%
2023 · €78k
2018: €8k
2019: €8k
2020: €5k
2021: €19k
2022: €77k
2023: €78k
2018 → 2024
Total assets
€171k▲ 27.8%
2023 · €134k
2018: €9k
2019: €9k
2020: €10k
2021: €39k
2022: €124k
2023: €134k
2018 → 2024
Net result
€15k▲ 1,574%
2023 · €881
2018: €8k
2019: €-568
2020: €-3k
2021: €13k
2022: €67k
2023: €881
2018 → 2024
Working capital
€79k▲ 42.3%
2023 · €55k
2018: €8k
2019: €8k
2020: €5k
2021: €24k
2022: €56k
2023: €55k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€5k-€19k▲ 252%€77k▲ 313%€78k▲ 1.2%€92k▲ 19.0%
Operating result€-2k-€15k€89k▲ 507%€-210€21k
Net result€-3k-€13k€67k▲ 402%€881▼ 98.7%€15k▲ 1,574%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €21k after a loss of €210 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €171k
Fixed assets
€13k▼ 39.5%
Current assets
€158k▲ 41.1%
Equity and liabilities €171k
Equity
€92k▲ 19.0%
Debt
€79k▲ 40.0%
The debt ratio rises from 42.1% to 46.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€29k▲
2023 · €8k
Cash flow
€23k▲
2023 · €9k
Solvency
53.9%▼
2023 · 57.9%
Current ratio
2.00▲
2023 · 1.99
Quick ratio
2.00▲
2023 · 1.99
Debt / equity
0.85▲
2023 · 0.73
ROE
16.0%▲
2023 · 1.1%
ROA
8.6%▲
2023 · 0.7%
Interest coverage
6.69▼
2023 · 12.53
Debt
€79k▲
2023 · €56k
Debt ≤ 1 year
€79k▲
2023 · €56k
Income taxes
€9k▲
2023 · €3k
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€134k€171k▲
Fixed assets21/28€22k€13k▼
Tangible fixed assets22/27€22k€13k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€12k€6k▼
Other tangible fixed assets26€5k€5k▼
Current assets29/58€112k€158k▲
Amounts receivable within one year40/41€103k€134k▲
Trade receivables40€7k€0▼
Other amounts receivable41€95k€134k▲
Cash at bank and in hand54/58€5k€17k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€134k€171k▲
Equity10/15€78k€92k▲
Contributions10/11€19k€19k=
Reserves13€59k€74k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€57k€74k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€56k€79k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€56k€79k▲
Financial debts43€498€0▼
Credit institutions430/8€498€0▼
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€52k€73k▲
Taxes450/3€52k€73k▲
Other amounts payable47/48€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€195€181▼
Gross operating margin9900€9k€31k▲
Operating profit (loss)9901€-210€21k▲
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€617€4k▲
Recurring financial charges65€617€4k▲
Profit (loss) for the period before taxes9903€4k€24k▲
Income taxes67/77€3k€9k▲
Profit (loss) for the period9904€881€15k▲
Profit (loss) for the period to be appropriated9905€881€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€881€15k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€881€15k▲
To other reserves6921€881€15k▲
Profit to be distributed694/7€0-
Directors or managers695€0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €67k ▲402%
Operating result €89k, net result €67k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lummen · 1 establishment unit since 2007
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.
Bergstraat 233560 LummenGround area
3,180 m²
Building footprint
274 m²
Volume, LiDAR
1,439 m³
Parcel 71037C1789/00K000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAUCON INTERNATIONAL
since 20072.166.401.958
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C1789/00K000 | Flanders | 3,180 m² | 1 · 274 m² | 7.3 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
2024 · 1 entry · 7,500 EUR awarded · 7,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 7,500 EUR | 7,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,807 companies in sector 73110 we hold annual accounts for 3,724. 3,011 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2007
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.