Equity
€192,976 ▼ 20.4%
Verqufin paid out €41,355 in dividends in a year with a loss of €8,137.
Verqufin
Lifetime
17 annual accounts with figures on one time axispeak €497,419 (2024)
€461,811▼ 7.2%
lowest -€8,137 (2025)
-€8,137▼ €70,903
peak €266,394 (2021)
€234,332▼ 3.4%
€1.9m▲ 12.3%
peak 3.9 FTE (2020)
-not published
Board2 names since 2008
1 directorQuinten Vermeulen
Documentsfilings and deeds
27-02-202627 days late
2025micro format
Loss of €8,137Investments €426,984
Key points
from the 2025 annual accountsResult
-€8,137 -€8,137
From profit to loss in 2025, after a profit of €62,766 in 2024.
Turnover
≈ €1.1m estimated
The accounts state no turnover.
Debts
€1.9m 89% of the balance sheet
Financial debts 65%Suppliers 1%Taxes and wages 3%Other 31%
Of this, €706,265 falls due within a year.
Investments
€426,984 2.2 × depreciation
Green is investment, beige is depreciation. Machinery stands 57.5% higher than in 2024.
Filings
17 annual accounts 18 filings since 2009
Eight of the last ten came late. The 2020 accounts came latest: 39 days after the end of the period.
Checked score
88
Excellent
Financially stronger than 31% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.7%▲ +0.2 percentage points vs 12-2024
02-2025: 1.1%▲ +0.4 percentage points vs 01-2025highest value
03-2025: 0.1%▼ -1.0 percentage point vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.2%▲ +0.1 percentage points vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.3%▲ +0.1 percentage points vs 12-2025
02-2026: 0.5%▲ +0.2 percentage points vs 01-2026
03-2026: 0.1%▼ -0.4 percentage points vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026lowest value
05-2026: 0.1%● unchanged vs 04-2026lowest value
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €192,976 (9.0% of total assets)
Liquidity: current ratio 0.54, cash €15,084
lowers risk
Size: total assets €2.1m
Figures for financial year 2025 (filed on 27-02-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 28% of them on solvency, 30% on liquidity, 50% on profitability and 16% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,037 companies had the same profile as Verqufin has now. Each dot stands for 3 companies, two years later.
93.7%
were still trading
2.9%
stopped another way
2.9%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Verqufin itself is lower: 0.1% within 12 months. It rests on far more data about Verqufin than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,037 companies, not a prediction for Verqufin. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.54 (0.56 in 2024), below 1. Short-term debt is 33.1% and cash 0.7% of total assets. 91% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
27 days late
2024
4 days late
2023
29 days late
2022
27 days late
2021
25 days late
2020
39 days late
2019
3 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 27 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0896227243
Appointment: Quinten Vermeulen (statutory director)
General meeting of 20-01-2023 · Gazette deed
Resignation: Van Zandweghe Willy (manager and director)
General meeting of 16-03-2021 · Gazette deed
Environmental permit granted
Bouwen of herbouwen, Hoogstammige bomen vellen die geen deel uitmaken van een bos, Nieuwbouw van bijgebouwen en niet overdekte lage constructie · Eeklo
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Verqufin Sint-Laureins | €2.1m | €461,811 | 9.0% | - |
| DE VARÉ - TREMMERY Ghent | €2.0m | €452,740 | 55.6% | 0.8 |
| IMMO Mulder Zottegem | €2.1m | €393,112 | 35.4% | - |
| UW-HUIS Beveren-Kruibeke-Zwijndrecht | €2.2m | €513,378 | 21.3% | 7.5 |
| LO-IMMO Lochristi | €2.1m | €585,996 | 7.8% | - |
| Global Invest-e Aalter | €1.6m | €511,754 | 44.1% | - |
| IMMO TWINS Dendermonde | €1.9m | €513,843 | 50.2% | 4 |
These companies have the same main activity as Verqufin: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €1.6m and €2.2m, founded between 2005 and 2010.
Official details
Source: KBO- Status
- Active since 05-03-2008Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 1 other
- Joint committee
- 341Intermediation in banking and investment services · annual accounts 30-06-2025
- Establishment unit
- 2.169.719.2599980 Sint-Laureins, since 06-03-2008
- Financial year end
- 30 June
- Peppol
- Reachable since 19-12-2025
Annual accounts to 30-06-2025
- €2.1m▲ 10.3%
- Employeeson 30-06-2025
- 4=
- Filing
- Filed on 27-02-2026
Insights on Verqufin
Verqufin files the micro format. That format states no turnover. The gross margin rose from €68,129 in 2009 to €461,811 in 2025.
The balance sheet grew most from 2022 to 2024 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Verqufin
- What is the company number of Verqufin?
- The company number of Verqufin is 0896.227.243. The VAT number is the same number with BE in front: BE 0896.227.243.
- Where is Verqufin based?
- The registered office is at Leemweg 34, 9980 Sint-Laureins.Company details
- What does Verqufin do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of Verqufin?
- Verqufin is a private limited company (BV).
- When was Verqufin founded?
- Verqufin was founded on 05-03-2008.
- Is Verqufin still active?
- Yes, Verqufin is an active enterprise in the KBO register.
- How many employees does Verqufin have?
- Verqufin had an average of 2.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Verqufin fall under?
- In its 30-06-2025 annual accounts, Verqufin states joint committee 341 (Intermediation in banking and investment services).
- What is the turnover of Verqufin?
- The turnover in financial year 2025 is ≈ €1.1m. This figure is estimated from the gross margin of €461,811 and 30 comparable companies (NACE 683). It probably lies between €790,000 and €1.5m.
- Is Verqufin profitable?
- In financial year 2025, Verqufin made a loss of €8,137.
- Where can I find the annual accounts of Verqufin?
- Verqufin filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Verqufin due?
- Verqufin must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
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