Verschaeren-Baumans
ActiveVerschaeren-Baumans has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €432k and a net result of €28k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 2167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+31
Solvency98▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.54 against 2.75 in 2024; short-term debt: 26.8% and cash: 68.6% of total assets), and 26.8% 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
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 41
Relative position
BE, all sectors
reference
Sector 41
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
73.2%
Return on assets
4.7%
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
29 d late
2023
41 d early
2022
13 d early
2021
47 d early
2020
25 d early
2019
4 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€432k▲ 6.9%
2024 · €404k
2018: €314k
2019: €316k
2020: €356k
2021: €383k
2022: €389k
2023: €394k
2024: €404k
2018 → 2025
Total assets
€589k▼ 4.3%
2024 · €616k
2018: €732k
2019: €535k
2020: €597k
2021: €627k
2022: €737k
2023: €616k
2024: €616k
2018 → 2025
Net result
€28k▲ 187%
2024 · €10k
2018: €16k
2019: €2k
2020: €41k
2021: €27k
2022: €5k
2023: €5k
2024: €10k
2018 → 2025
Working capital
€401k▲ 8.2%
2024 · €371k
2018: €270k
2019: €273k
2020: €323k
2021: €342k
2022: €348k
2023: €359k
2024: €371k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€383k-€389k▲ 1.3%€394k▲ 1.4%€404k▲ 2.5%€432k▲ 6.9%
Operating result€45k-€14k▼ 68.2%€16k▲ 11.1%€22k▲ 35.8%€43k▲ 97.7%
Net result€27k-€5k▼ 81.4%€5k▲ 7.5%€10k▲ 79.0%€28k▲ 187%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 98% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €589k
Fixed assets
€31k▼ 7.2%
Current assets
€559k▼ 4.1%
Equity and liabilities €589k
Equity
€432k▲ 6.9%
Debt
€158k▼ 25.6%
The debt ratio falls from 34.5% to 26.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2024 · €29k
Cash flow
€34k▲
2024 · €17k
Solvency
73.2%▲
2024 · 65.5%
Current ratio
3.54▲
2024 · 2.75
Quick ratio
3.54▲
2024 · 2.75
Debt / equity
0.37▼
2024 · 0.53
ROE
6.5%▲
2024 · 2.4%
ROA
4.7%▲
2024 · 1.6%
Interest coverage
5.58▲
2024 · 2.30
Debt
€158k▼
2024 · €212k
Debt ≤ 1 year
€158k▼
2024 · €212k
Income taxes
€10k▲
2024 · €4k
Staff costs
€196k▼
2024 · €244k
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€616k€589k▼
Fixed assets21/28€33k€31k▼
Tangible fixed assets22/27€14k€12k▼
Plant, machinery and equipment23€13k€11k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€18k€18k=
Current assets29/58€583k€559k▼
Amounts receivable within one year40/41€104k€155k▲
Trade receivables40€86k€140k▲
Other amounts receivable41€18k€15k▼
Cash at bank and in hand54/58€476k€404k▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€616k€589k▼
Equity10/15€404k€432k▲
Contributions10/11€102k€102k=
Reserves13€302k€330k▲
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Distributable reserves133€292k€320k▲
Amounts payable17/49€212k€158k▼
Amounts payable within one year42/48€212k€158k▼
Trade debts44€67k€41k▼
Suppliers440/4€67k€41k▼
Taxes, remuneration and social security45€13k€19k▲
Taxes450/3€3k€9k▲
Remuneration and social security454/9€10k€10k▲
Other amounts payable47/48€132k€97k▼
Income statement
Code20242025
Remuneration, social security and pensions62€244k€196k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€277k€247k▼
Operating profit (loss)9901€22k€43k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€13k€9k▼
Recurring financial charges65€13k€9k▼
Profit (loss) for the period before taxes9903€13k€38k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€10k€28k▲
Profit (loss) for the period to be appropriated9905€10k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€28k▲
Transfer to equity691/2€10k€28k▲
To other reserves6921€10k€28k▲
Social balance
Average headcount (FTE)90874.02.5▼
The notes to these accounts (14 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €41k ▲2515%
Operating result €61k, net result €41k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼90.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Berlaar · 1 establishment unit since 1986
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.
Hellegatstraat 92590 BerlaarGround area
8,248 m²
Building footprint
3,236 m²
Volume, LiDAR
18,819 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Misstraat 125, 2590 Berlaar
since 19862.028.860.809
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002D0354/00R000 | Flanders | 6,175 m² | 1 · 3,023 m² | 7.4 m · 2 fl. |
| 12002D0352/00G002 | Flanders | 2,073 m² | 1 · 213 m² | 9.2 m · 2 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.
Similar companies · same sector, comparable size
Aannemingen Versluys
BE 0533.803.470
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Geysels
BE 0658.821.624
Beerse · Eq €431k
DA COSTA BARROS
BE 0629.716.278
Anderlecht · Eq €432k
BOUWWERKEN LEFEVER
BE 0661.700.643
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GUIDO VANHOOF
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Geel · Eq €432k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,039. 9,784 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1986
Fiscal year end31-12
Abbreviation NL
Ver-Ba
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45211
45500
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.