VERRE ET COUVERT
ActiveVERRE ET COUVERT has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €712k and a net result of €49k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+5
Solvency83▲+2
Growth61=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.95 in 2024; short-term debt: 35.4% and cash: 31.5% of total assets), and 42% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 47
higher
← 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
58%
Return on assets
4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
64 d early
2023
51 d early
2022
52 d early
2021
19 d late
2020
58 d late
2019
22 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.99M▼ 1.8%
2023 · €2.02M
2023: €2.02M
2023 → 2024
EBIT margin
5.5%▼ 5.4pp
2023 · 10.9%
2023: 10.9%
2023 → 2024
Net result
€49k▼ 13.6%
2024 · €57k
2018: €38k
2019: €65k
2020: €-67k
2021: €52k
2022: €105k
2023: €137k
2024: €57k
2018 → 2025
Working capital
€448k▲ 13.2%
2024 · €395k
2018: €14k
2019: €93k
2020: €46k
2021: €100k
2022: €247k
2023: €356k
2024: €395k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.02M€1.99M▼ 1.8%
Equity€363k-€468k▲ 29.0%€606k▲ 29.3%€662k▲ 9.4%€712k▲ 7.4%
Operating result€67k-€159k▲ 137%€220k▲ 38.7%€110k▼ 50.1%€102k▼ 7.3%
Net result€52k-€105k▲ 102%€137k▲ 30.4%€57k▼ 58.6%€49k▼ 13.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€346k▼ 9.6%
Current assets
€882k▲ 8.9%
Equity and liabilities €1.23M
Equity
€712k▲ 7.4%
Debt
€516k▼ 2.7%
The debt ratio falls from 44.5% to 42.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€139k▼
2024 · €147k
Cash flow
€86k▼
2024 · €94k
Solvency
58.0%▲
2024 · 55.5%
Current ratio
2.03▲
2024 · 1.95
Quick ratio
1.36▲
2024 · 1.27
Debt / equity
0.73▼
2024 · 0.80
ROE
6.9%▼
2024 · 8.6%
ROA
4.0%▼
2024 · 4.8%
Interest coverage
5.63▼
2024 · 6.04
Debt
€516k▼
2024 · €530k
Debt ≤ 1 year
€434k▲
2024 · €415k
Debt > 1 year
€82k▼
2024 · €115k
Income taxes
€30k▼
2024 · €31k
Staff costs
€320k▲
2024 · €311k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€1.23M▲
Fixed assets21/28€382k€346k▼
Tangible fixed assets22/27€382k€345k▼
Land and buildings22€346k€330k▼
Furniture and vehicles24€18k€14k▼
Other tangible fixed assets26€18k€2k▼
Financial fixed assets28€185€185▲
Current assets29/58€810k€882k▲
Stocks and contracts in progress3€284k€293k▲
Stocks30/36€284k€293k▲
Amounts receivable within one year40/41€165k€203k▲
Trade receivables40€144k€185k▲
Other amounts receivable41€21k€18k▼
Cash at bank and in hand54/58€361k€387k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.23M▲
Equity10/15€662k€712k▲
Contributions10/11€20k€20k=
Reserves13€197k€246k▲
Distributable reserves133€197k€246k▲
Profit (loss) carried forward14€445k€445k=
Amounts payable17/49€530k€516k▼
Amounts payable after more than one year17€115k€82k▼
Financial debts170/4€115k€82k▼
Amounts payable within one year42/48€415k€434k▲
Current portion of amounts payable after more than one year42€33k€34k▲
Trade debts44€89k€99k▲
Suppliers440/4€89k€99k▲
Taxes, remuneration and social security45€52k€61k▲
Taxes450/3€9k€17k▲
Remuneration and social security454/9€43k€44k▲
Other amounts payable47/48€240k€241k▲
Income statement
Code20242025
Turnover70€1.99M-
Goods, raw materials, services and sundry goods60/61€1.54M-
Remuneration, social security and pensions62€311k€320k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k▼
Other operating charges640/8€1k€9k▲
Gross operating margin9900€459k€468k▲
Operating profit (loss)9901€110k€102k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€24k€25k▲
Recurring financial charges65€24k€25k▲
Profit (loss) for the period before taxes9903€88k€79k▼
Income taxes67/77€31k€30k▼
Profit (loss) for the period9904€57k€49k▼
Profit (loss) for the period to be appropriated9905€57k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€502k€494k▼
Profit (loss) brought forward from the previous period14P€445k€445k=
Transfer to equity691/2€57k€49k▼
To other reserves6921€57k€49k▼
Social balance
Average headcount (FTE)90874.54.3▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €137k ▲30.4%
Operating result €220k, net result €137k, both a record.
31-12
Financial
Equity above €500kEq €606k ▲29.3%
3 profitable years in a row build equity to €606k.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 58 days late
2020
31-12
Financial
Weakest financial yearnet €-67k ▼202%
Net result drops to €-67k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 22 days late
2019
05-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 36 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schaarbeek · 2 establishment units since 1979
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.
Leuvensesteenweg 6961030 SchaarbeekGround area
755 m²
Building footprint
468 m²
Volume, LiDAR
6,358 m³
2 parcels, Brussels · tallest building 20.6 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Eugène Plaskylaan 36, 1030 Schaarbeek
since 19792.119.672.110
Verre et couvert srl
since 20162.251.307.246
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0100/00X006 | Brussels | 452 m² | 1 · 370 m² | 20.6 m · 6 fl. |
| 21905C0152/00E007 | Brussels | 304 m² | 1 · 98 m² | 17.1 m · 4 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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FR DISTRIBUTION
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KOOKTIJD
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Of 426 companies in sector 47553 we hold annual accounts for 169. 86 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1978
Fiscal year end31-12
Activities, NACEBEL
47552Retail sale of lighting equipment
47553Retail trade
47592Retail trade
47593Retail trade
51441
52442
46441Wholesale trade
47540Retail sale of electrical household appliances
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47789Other retail sale of new goods
77223Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.verreetcouvert.be
E-mail:info@verreetcouvert.be