Versatile

Active

Private limited companyfounded 20206 yrs activeBlaubergsesteenweg 87, 2230 Herselt, BelgiumKBO/BCE: BE 0752.730.787

The computed 12-month bankruptcy probability of Versatile is 2.3% (moderate). The 2025 annual accounts show equity of €13k and a net result of €1k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 35% of 27711 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

67 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability73=

Solvency58▲+24

Growth52=

Track record100

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.31 against 1.62 in 2024; short-term debt: 36.5% and cash: 33.9% of total assets), and 66.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

26 d early

2024

32 d early

2023

226 d late

2022

on the day

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close22-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€13k▲ 11.4%

2024 · €11k

2022: €11k 2023: €7k 2024: €11k

2022 → 2025

Total assets

€38k▼ 69.1%

2024 · €124k

2022: €48k 2023: €46k 2024: €124k

2022 → 2025

Net result

€1k▼ 67.4%

2024 · €4k

2022: €7k 2023: €-3k 2024: €4k

2022 → 2025

Working capital

€4k▼ 82.0%

2024 · €24k

2022: €-5k 2023: €-10k 2024: €24k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€11k-€7k▼ 31.2%€11k▲ 53.6%€13k▲ 11.4%

Operating result€9k-€-2k€6k€5k▼ 16.2%

Net result€7k-€-3k€4k€1k▼ 67.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 16% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €38k

52.0%

48.0%

Fixed assets €20k▼ 67.0%

Current assets €18k▼ 71.1%

Equity and liabilities €38k

33.1%

66.9%

Equity €13k▲ 11.4%

Debt €26k▼ 77.3%

The debt ratio falls from 90.8% to 66.9%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€17k▼

2024 · €19k

Cash flow

€13k▼

2024 · €16k

Solvency

33.1%▲

2024 · 9.2%

Current ratio

1.31▼

2024 · 1.62

Quick ratio

1.31▼

2024 · 1.62

Debt / equity

2.02▼

2024 · 9.90

ROE

10.2%▼

2024 · 34.9%

ROA

3.4%▲

2024 · 3.2%

Interest coverage

6.68▼

2024 · 14.22

Debt

€26k▼

2024 · €113k

Debt ≤ 1 year

€14k▼

2024 · €39k

Debt > 1 year

€7k▼

2024 · €36k

Income taxes

€2k▲

2024 · €1k

Staff costs

€18k▲

2024 · €13k

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€124k€38k▼

Fixed assets21/28€60k€20k▼

Intangible fixed assets21€1k€841▼

Tangible fixed assets22/27€59k€19k▼

Plant, machinery and equipment23€3k€1k▼

Furniture and vehicles24€4k€6k▲

Leasing and similar rights25€52k€12k▼

Current assets29/58€64k€18k▼

Amounts receivable within one year40/41€22k€3k▼

Trade receivables40€22k€3k▼

Other amounts receivable41€314-

Cash at bank and in hand54/58€34k€13k▼

Deferred charges and accrued income490/1€7k€2k▼

Equity and liabilities

Total equity and liabilities10/49€124k€38k▼

Equity10/15€11k€13k▲

Contributions10/11€4k€4k=

Profit (loss) carried forward14€7k€9k▲

Amounts payable17/49€113k€26k▼

Amounts payable after more than one year17€36k€7k▼

Financial debts170/4€36k€7k▼

Amounts payable within one year42/48€39k€14k▼

Current portion of amounts payable after more than one year42€11k€5k▼

Trade debts44€20k€3k▼

Suppliers440/4€20k€3k▼

Taxes, remuneration and social security45€7k€4k▼

Taxes450/3€4k€4k▲

Remuneration and social security454/9€3k-

Other amounts payable47/48€2k€1k▼

Accrued charges and deferred income492/3€38k€5k▼

Income statement Code20242025

Non-recurring operating income76A-€750

Remuneration, social security and pensions62€13k€18k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼

Other operating charges640/8€3k€1k▼

Non-recurring operating charges66A-€9k

Gross operating margin9900€34k€45k▲

Operating profit (loss)9901€6k€5k▼

Financial income75/76B€6€0▼

Recurring financial income75€6€0▼

Financial charges65/66B€1k€3k▲

Recurring financial charges65€1k€3k▲

Profit (loss) for the period before taxes9903€5k€3k▼

Income taxes67/77€1k€2k▲

Profit (loss) for the period9904€4k€1k▼

Profit (loss) for the period to be appropriated9905€4k€1k▼

Appropriation of the result

Profit (loss) to be appropriated9906€7k€9k▲

Profit (loss) brought forward from the previous period14P€3k€7k▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-01-2027

2026

05-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

30-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

13-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 226 days late

30-06

Financial Back to profitnet €4k

Net result €4k after one loss-making year.

30-06

Financial Liquidity doublescurrent ratio 1.62

Current ratio from 0.68 to 1.62.

2023

30-06

Financial Weakest financial yearnet €-3k ▼150%

Net result drops to €-3k, the lowest in the series; recovery starts the following year.

31-01

NBB filing Annual accounts filed

fiscal year 2022 · 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, Herselt · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Blaubergsesteenweg 872230 Herselt

Ground area

900 m²

Building footprint

130 m²

Volume, LiDAR

633 m³

Parcel 13013F0218/02N000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Versatile

Blaubergsesteenweg 87, 2230 HerseltSupport activities for crop production

since 20202.306.186.381

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13013F0218/02N000	Flanders	900 m²	1 · 130 m²	8.9 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.

Similar companies · same sector, comparable size

Wezembeek-Oppem · Eq €13k

DVS

BE 0896.847.746

Pajottegem · Eq €13k

Of 7,294 companies in sector 43350 we hold annual accounts for 2,363. 1,544 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-08-2020

Fiscal year end30-06

Activities, NACEBEL

43350Other building finishing work

16230Manufacture of other builders' carpentry and joinery

43320Joinery installation

43990Other specialised construction activities

43999Specialised construction activities

81300Landscape service activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.