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VERSCHELDE & ZONEN

Active
Private limited companyfounded 199135 yrs activeNinoofsesteenweg 1136, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 0443.683.938
Summary

VERSCHELDE & ZONEN has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €232,267 and a net result of €2,445. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 89% of 12348 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
VERSCHELDE & ZONENActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Non-specialised wholesale trade
NACE 46900NACE 46741Wholesale trade NACE 46841
1 site
Size
€258,509total assets 2025
Staff
0.9 FTE
Equity
€232,267
Profit
€2,445
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 3 d early0 of 4 deeds read
Why 96- Figures for FY 2025 (filed 28-10-2025)+ Liquidity: current ratio 9.61, cash €126,878+ Equity €232,267 (89.8% of total assets)+ Founded in 1991Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 71% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 89.8% of total assets
Liquidity 100+3
short-term debt 10.0% · cash 49.1%
Profitability 70-1
return on assets 0.9%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,765 companies)
Last 20 months 03-2025: < 0.1% 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%▼ -6.1% vs 04-2025lowest value 06-2025: < 0.1%● 0.0% vs 05-2025lowest value 07-2025: < 0.1%▲ +3.2% vs 06-2025 08-2025: < 0.1%▲ +3.1% vs 07-2025 09-2025: < 0.1%▲ +6.1% vs 08-2025 10-2025: < 0.1%▲ +14.3% vs 09-2025 11-2025: < 0.1%▼ -20.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +3.1% vs 06-2026 08-2026: < 0.1%▲ +3.0% vs 07-2026 09-2026: < 0.1%▲ +2.9% vs 08-2026 10-2026: < 0.1%▲ +17.1% vs 09-2026highest value
  • Liquidity: current ratio 9.61, cash €126,878 lowers the probability
  • Equity €232,267 (89.8% of total assets) lowers the probability
  • Founded in 1991 lowers the probability for this profile
  • Figures for FY 2025 (filed 28-10-2025) raises the probability
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 9.61 against 6.53 in 2024; short-term debt: 10% and cash: 49.1% of total assets), and 10.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 90%, liquidity 98%, profitability 53%, growth against the median 44%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 9.61, cash €126,878
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €232,267 (89.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1991
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Figures for FY 2025 (filed 28-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 d early
2024
1 d early
2023
1 d early
2022
25 d late
2021
9 d late
2020
13 d late
2019
9 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 30 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close02-10-2026 today31-10-2026 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 11% on solvencysector median 42.1% · 12,348 companies 89.8% View
  • Positive: 6 profitable years in a rowprofit 2025: €2,445 6 years View
  • Active since 1991founded 18-03-1991 35 years View

By topic

Financials

Fiscal year
2025
Total assets
€258,509
Profit
€2,445
Solvency
89.8%
Total assets▼ 5.0%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2016
Next accounts
by 31-10-2026
  1. 28-10-2025Annual accounts filed
  2. 30-10-2024Annual accounts filed
  3. 30-10-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Non-specialised wholesale tradeNACE 46900
Founded
18-03-1991
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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