VERSCHUEREN JO
ActiveVERSCHUEREN JO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €27k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 86% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 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
Profitability85▼-4
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.51 against 2.24 in 2024; short-term debt: 18.5% and cash: 25.2% of total assets), and 18.5% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
81.5%
Return on assets
12.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
on the day
2021
3 d early
2020
1 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€172k▲ 18.3%
2024 · €145k
2019: €71k
2020: €84k
2021: €91k
2022: €104k
2023: €143k
2024: €145k
2019 → 2025
Total assets
€211k▲ 7.1%
2024 · €196k
2019: €184k
2020: €199k
2021: €219k
2022: €189k
2023: €211k
2024: €196k
2019 → 2025
Net result
€27k▼ 17.0%
2024 · €32k
2019: €17k
2020: €13k
2021: €7k
2022: €13k
2023: €39k
2024: €32k
2019 → 2025
Working capital
€98k▲ 65.7%
2024 · €59k
2019: €21k
2020: €17k
2021: €10k
2022: €18k
2023: €54k
2024: €59k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€104k▲ 14.1%€143k▲ 37.5%€145k▲ 1.3%€172k▲ 18.3%
Operating result€12k-€23k▲ 85.6%€58k▲ 155%€50k▼ 15.1%€40k▼ 19.9%
Net result€7k-€13k▲ 87.0%€39k▲ 203%€32k▼ 18.0%€27k▼ 17.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €211k
Fixed assets
€74k▼ 17.8%
Current assets
€137k▲ 28.1%
Equity and liabilities €211k
Equity
€172k▲ 18.3%
Debt
€39k▼ 24.4%
The debt ratio falls from 26.2% to 18.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▼
2024 · €67k
Cash flow
€44k▼
2024 · €50k
Solvency
81.5%▲
2024 · 73.8%
Current ratio
3.51▲
2024 · 2.24
Quick ratio
2.50▲
2024 · 1.76
Debt / equity
0.23▼
2024 · 0.35
ROE
15.5%▼
2024 · 22.1%
ROA
12.6%▼
2024 · 16.3%
Interest coverage
14.14▲
2024 · 11.89
Debt
€39k▼
2024 · €51k
Debt ≤ 1 year
€39k▼
2024 · €48k
Debt > 1 year
€0▼
2024 · €4k
Income taxes
€10k▼
2024 · €12k
Staff costs
€656
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€196k€211k▲
Fixed assets21/28€90k€74k▼
Tangible fixed assets22/27€90k€74k▼
Land and buildings22€77k€70k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€7k€474▼
Current assets29/58€107k€137k▲
Stocks and contracts in progress3€23k€39k▲
Stocks30/36€10k€26k▲
Contracts in progress37€13k€13k=
Amounts receivable within one year40/41€39k€42k▲
Trade receivables40€24k€30k▲
Other amounts receivable41€15k€11k▼
Cash at bank and in hand54/58€43k€53k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€196k€211k▲
Equity10/15€145k€172k▲
Contributions10/11€19k€19k=
Reserves13€106k€133k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€104k€131k▲
Profit (loss) carried forward14€20k€20k=
Amounts payable17/49€51k€39k▼
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€48k€39k▼
Current portion of amounts payable after more than one year42€22k€13k▼
Trade debts44€9k€17k▲
Suppliers440/4€9k€17k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€12k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62-€656
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€70k€60k▼
Operating profit (loss)9901€50k€40k▼
Financial income75/76B€385€1k▲
Recurring financial income75€385€1k▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€44k€37k▼
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€32k€27k▼
Profit (loss) for the period to be appropriated9905€32k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€47k▼
Profit (loss) brought forward from the previous period14P€20k€20k=
Transfer from equity791/2€30k€0▼
Transfer to equity691/2€32k€27k▼
To other reserves6921€32k€27k▼
Profit to be distributed694/7€30k€0▼
Return on contributions (dividend)694€30k€0▼
The notes to these accounts (15 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €150kEq €172k ▲18.3%
7 profitable years in a row build equity to €172k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €39k ▲203%
Operating result €58k, net result €39k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €104k ▲14.1%
4 profitable years in a row build equity to €104k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €7k ▼48.4%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Denderleeuw · 1 establishment unit since 2016
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.
Hertstraat 499473 DenderleeuwGround area
631 m²
Building footprint
387 m²
Volume, LiDAR
1,926 m³
Parcel 41076B0191/00P000, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hertstraat 49, 9473 Denderleeuw
since 20162.252.070.873
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41076B0191/00P000 | Flanders | 631 m² | 1 · 387 m² | 11.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,256 EUR awarded · 1,256 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 99 EUR | 99 EUR |
| 2024 | 1 | 99 EUR | 99 EUR |
| 2023 | 1 | 1,058 EUR | 1,058 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,528 companies in sector 43222 we hold annual accounts for 5,659. 4,881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2010
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.