VERS GEBAK
ActiveVERS GEBAK has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €476. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 58% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+32
Solvency70=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.99 against 0.7 in 2024; short-term debt: 55.5% and cash: 12.4% of total assets), and 55.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
44.5%
Return on assets
0.6%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
30 d late
2022
30 d late
2021
60 d late
2020
2 d early
2019
35 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€37k▲ 1.3%
2024 · €37k
2019: €19k
2020: €20k
2021: €29k
2022: €40k
2023: €45k
2024: €37k
2019 → 2025
Total assets
€84k▲ 2.2%
2024 · €82k
2019: €85k
2020: €89k
2021: €72k
2022: €105k
2023: €75k
2024: €82k
2019 → 2025
Net result
€476
2024 · €-8k
2019: €152
2020: €849
2021: €10k
2022: €10k
2023: €5k
2024: €-8k
2019 → 2025
Working capital
€-480▲ 96.4%
2024 · €-13k
2019: €-7k
2020: €-9k
2021: €-1k
2022: €-18k
2023: €-4k
2024: €-13k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€40k▲ 34.9%€45k▲ 12.1%€37k▼ 17.6%€37k▲ 1.3%
Operating result€14k-€15k▲ 6.9%€9k▼ 40.7%€-2k€5k
Net result€10k-€10k▲ 4.2%€5k▼ 53.1%€-8k€476
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€38k▼ 24.7%
Current assets
€46k▲ 44.9%
Equity and liabilities €84k
Equity
€37k▲ 1.3%
Debt
€46k▲ 2.9%
The debt ratio rises from 55.1% to 55.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €12k
Cash flow
€15k▲
2024 · €6k
Solvency
44.5%▼
2024 · 44.9%
Current ratio
0.99▲
2024 · 0.70
Quick ratio
0.66▲
2024 · 0.40
Debt / equity
1.25▲
2024 · 1.23
ROE
1.3%▲
2024 · -21.3%
ROA
0.6%▲
2024 · -9.6%
Interest coverage
4.38▲
2024 · 2.12
Debt
€46k▲
2024 · €45k
Debt ≤ 1 year
€46k▲
2024 · €45k
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€82k€84k▲
Formation expenses20€299€149▼
Fixed assets21/28€50k€38k▼
Tangible fixed assets22/27€50k€38k▼
Land and buildings22€4k€4k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€43k€31k▼
Current assets29/58€32k€46k▲
Stocks and contracts in progress3€14k€15k▲
Stocks30/36€14k€15k▲
Amounts receivable within one year40/41€9k€20k▲
Trade receivables40€3k€660▼
Other amounts receivable41€6k€20k▲
Cash at bank and in hand54/58€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€82k€84k▲
Equity10/15€37k€37k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€18k€19k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€16k€17k▲
Amounts payable17/49€45k€46k▲
Amounts payable within one year42/48€45k€46k▲
Trade debts44€40k€43k▲
Suppliers440/4€40k€43k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€723-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€545€8k▲
Gross operating margin9900€12k€27k▲
Operating profit (loss)9901€-2k€5k▲
Financial income75/76B€0€124▲
Recurring financial income75€0€124▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-8k€476▲
Profit (loss) for the period9904€-8k€476▲
Profit (loss) for the period to be appropriated9905€-8k€476▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€476▲
Transfer from equity791/2€8k-
Transfer to equity691/2-€476
To other reserves6921-€476
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €476
Net result €476 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €-8k ▼263%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2019net €10k ▲4.2%
Operating result €15k, net result €10k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Laarne · 1 establishment unit since 2018
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.
Brugstraat 189270 LaarneGround area
391 m²
Building footprint
391 m²
Volume, LiDAR
2,071 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERS GEBAK
since 20182.277.509.322
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009E0646/00D000 | Flanders | 197 m² | 1 · 197 m² | 10.1 m · 2 fl. |
| 42009E0639/00B000 | Flanders | 193 m² | 1 · 193 m² | 6.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLaarne2.277.509.322
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Of 3,829 companies in sector 47210 we hold annual accounts for 965. 773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-06-2018
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.