VERSIL
ActiveSummary
VERSIL has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €6k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 69% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+83
Solvency91▲+2
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 1.26 in 2024; short-term debt: 34.4% and cash: 58.3% of total assets), and 34.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
65.6%
Return on assets
11.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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 · 10 filingsDeviation from the deadline
2025
53 d late
2024
37 d late
2023
54 d late
2022
45 d late
2021
41 d late
2020
103 d late
2019
89 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▲ 21.7%
2024 · €26k
2018: €39k
2019: €45k▲ +15.6% vs 2018
2020: €57k▲ +26.5% vs 2019
2021: €60k▲ +6.0% vs 2020
2022: €48k▼ -20.4% vs 2021
2023: €70k▲ +45.6% vs 2022highest in 8 years
2024: €26k▼ -62.4% vs 2023lowest in 8 years
2025: €32k▲ +21.7% vs 2024
2018 → 2025
Total assets
€48k▲ 19.3%
2024 · €41k
2018: €78k
2019: €56k▼ -27.9% vs 2018
2020: €69k▲ +24.0% vs 2019
2021: €95k▲ +37.3% vs 2020
2022: €100k▲ +4.7% vs 2021highest in 8 years
2023: €94k▼ -5.8% vs 2022
2024: €41k▼ -56.8% vs 2023lowest in 8 years
2025: €48k▲ +19.3% vs 2024
2018 → 2025
Net result
€6k
2024 · €-43k
2018: €-13k
2019: €6k▲ +145% vs 2018
2020: €12k▲ +96.2% vs 2019
2021: €21k▲ +80.5% vs 2020
2022: €-12k▼ -157% vs 2021
2023: €22k▲ +278% vs 2022highest in 8 years
2024: €-43k▼ -299% vs 2023lowest in 8 years
2025: €6k▲ +113% vs 2024
2018 → 2025
Working capital
€16k▲ 339%
2024 · €4k
2018: €24k
2019: €27k▲ +10.3% vs 2018
2020: €33k▲ +22.3% vs 2019
2021: €23k▼ -30.1% vs 2020
2022: €14k▼ -38.6% vs 2021
2023: €45k▲ +222% vs 2022highest in 8 years
2024: €4k▼ -91.7% vs 2023lowest in 8 years
2025: €16k▲ +339% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€48k▼ 20.4%€70k▲ 45.6%€26k▼ 62.4%€32k▲ 21.7%
2021: €60k
2022: €48k▼ -20.4% vs 2021
2023: €70k▲ +45.6% vs 2022highest in 5 years
2024: €26k▼ -62.4% vs 2023lowest in 5 years
2025: €32k▲ +21.7% vs 2024
Operating result€28k-€-12k€30k€-43k€6k
2021: €28k
2022: €-12k▼ -142% vs 2021
2023: €30k▲ +350% vs 2022highest in 5 years
2024: €-43k▼ -245% vs 2023lowest in 5 years
2025: €6k▲ +114% vs 2024
Net result€21k-€-12k€22k€-43k€6k
2021: €21k
2022: €-12k▼ -157% vs 2021
2023: €22k▲ +278% vs 2022highest in 5 years
2024: €-43k▼ -299% vs 2023lowest in 5 years
2025: €6k▲ +113% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €43k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€15k ▼ 31.6%
Current assets
€33k ▲ 81.6%
Equity and liabilities €48k
Equity
€32k ▲ 21.7%
Debt
€17k ▲ 14.9%
Debt's share of the balance-sheet total falls from 35.6% to 34.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €-34k
Cash flow
€15k▲
2024 · €-35k
Current ratio
1.99▲
2024 · 1.26
Quick ratio
1.93▲
2024 · 1.19
Debt to equity
0.52▼
2024 · 0.55
ROE
17.8%▲
2024 · -166.1%
ROA
11.7%▲
2024 · -106.9%
Interest coverage
81.45▲
2024 · -108.32
Debt ≤ 1 year
€17k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€48k▲
Fixed assets21/28€22k€15k▼
Tangible fixed assets22/27€21k€14k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€10k€5k▼
Financial fixed assets28€2k€2k=
Current assets29/58€18k€33k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€2k€2k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€12k€28k▲
Equity and liabilities
Total equity and liabilities10/49€41k€48k▲
Equity10/15€26k€32k▲
Contributions10/11€19k€19k=
Reserves13€51k€51k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€33k€33k=
Profit (loss) carried forward14€-43k€-38k▲
Amounts payable17/49€14k€17k▲
Amounts payable within one year42/48€14k€17k▲
Trade debts44€14k€4k▼
Suppliers440/4€14k€4k▼
Taxes, remuneration and social security45€868-
Taxes450/3€148-
Remuneration and social security454/9€720-
Other amounts payable47/48-€12k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€-33k€19k▲
Operating profit (loss)9901€-43k€6k▲
Financial income75/76B€14€0▼
Recurring financial income75€14€0▼
Financial charges65/66B€317€190▼
Recurring financial charges65€317€190▼
Profit (loss) for the period before taxes9903€-43k€6k▲
Income taxes67/77€-60-
Profit (loss) for the period9904€-43k€6k▲
Profit (loss) for the period to be appropriated9905€-43k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-38k▲
Profit (loss) brought forward from the previous period14P€49€-43k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €16k | €14k | €9k | €10k | ▲ 9.8% |
| Other operating charges640/8 | €236 | €249 | €576 | €1k | €1k | ▼ 14.0% |
| Non-recurring operating charges66A | - | €27k | - | - | €2k | - |
| Gross operating margin9900 | €39k | €32k | €45k | €-33k | €19k | ▲ 156% |
| Operating profit (loss)9901 | €28k | €-12k | €30k | €-43k | €6k | ▲ 114% |
| Financial income75/76B | €20 | €86 | - | €14 | €0 | ▼ 99.9% |
| Recurring financial income75 | €20 | €86 | - | €14 | €0 | ▼ 99.9% |
| Financial charges65/66B | €198 | €362 | €335 | €317 | €190 | ▼ 40.1% |
| Recurring financial charges65 | €198 | €362 | €335 | €317 | €190 | ▼ 40.1% |
| Profit (loss) for the period before taxes9903 | €28k | €-12k | €29k | €-43k | €6k | ▲ 113% |
| Income taxes67/77 | €7k | - | €8k | €-60 | - | - |
| Profit (loss) for the period9904 | €21k | €-12k | €22k | €-43k | €6k | ▲ 113% |
| Profit (loss) for the period to be appropriated9905 | €21k | €-12k | €22k | €-43k | €6k | ▲ 113% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €95k | €100k | €94k | €41k | €48k | ▲ 19.3% |
| Fixed assets21/28 | €37k | €34k | €24k | €22k | €15k | ▼ 31.6% |
| Tangible fixed assets22/27 | €35k | €32k | €23k | €21k | €14k | ▼ 33.8% |
| Plant, machinery and equipment23 | €3k | €5k | €4k | €11k | €8k | ▼ 23.2% |
| Furniture and vehicles24 | €32k | €27k | €18k | €10k | €5k | ▼ 45.8% |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €58k | €66k | €70k | €18k | €33k | ▲ 81.6% |
| Stocks and contracts in progress3 | €1k | €1k | €1k | €1k | €1k | = |
| Stocks30/36 | €1k | €1k | €1k | €1k | €1k | = |
| Amounts receivable within one year40/41 | €34k | €10k | €2k | €5k | €4k | ▼ 20.5% |
| Trade receivables40 | €14k | €10k | €2k | €2k | €2k | ▲ 21.6% |
| Other amounts receivable41 | €20k | - | - | €3k | €2k | ▼ 48.0% |
| Cash at bank and in hand54/58 | €23k | €55k | €67k | €12k | €28k | ▲ 129% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €95k | €100k | €94k | €41k | €48k | ▲ 19.3% |
| Equity10/15 | €60k | €48k | €70k | €26k | €32k | ▲ 21.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €37k | €37k | €51k | €51k | €51k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €16k | €16k | €16k | €16k | €16k | = |
| Distributable reserves133 | €20k | €20k | €33k | €33k | €33k | = |
| Profit (loss) carried forward14 | €4k | €-8k | €49 | €-43k | €-38k | ▲ 13.1% |
| Amounts payable17/49 | €35k | €52k | €24k | €14k | €17k | ▲ 14.9% |
| Amounts payable within one year42/48 | €35k | €52k | €24k | €14k | €17k | ▲ 14.9% |
| Trade debts44 | €10k | €41k | €4k | €14k | €4k | ▼ 67.6% |
| Suppliers440/4 | €10k | €41k | €4k | €14k | €4k | ▼ 67.6% |
| Taxes, remuneration and social security45 | €7k | €5k | €18k | €868 | - | - |
| Taxes450/3 | €7k | €5k | €18k | €148 | - | - |
| Remuneration and social security454/9 | - | - | - | €720 | - | - |
| Other amounts payable47/48 | €18k | €7k | €3k | - | €12k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €-12k | €22k | €-43k | €6k | ▲ 113% |
| + Depreciation and write-downs630 | €10k | €16k | €14k | €9k | €10k | ▲ 9.8% |
| Operating cash flow (approximation) | €32k | €4k | €36k | €-35k | €15k | ▲ 144% |
| Investment in fixed assets (approximation) | - | €-13k | €-5k | €-7k | €-3k | ▲ 63.7% |
| Change in cash | - | €32k | €12k | €-55k | €16k | ▲ 129% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
06-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 37 days late
2024
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.86
Current ratio from 1.27 to 2.86; short-term debt falls from €52k to €24k.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
10-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 41 days late
2021
11-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 103 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 3.39
Current ratio from 1.63 to 3.39; short-term debt falls from €39k to €11k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
15-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 46 days late
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Zandhoven · 1 establishment unit since 2002
Ground area
2,068 m²
Building footprint
184 m²
Volume, LiDAR
1,297 m³
Parcel 11054A0339/00L000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hooidonck 17, 2240 Zandhoven
since 20022.114.671.165
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054A0339/00L000 | Flanders | 2,068 m² | 1 · 184 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
ALLISPO
BE 0863.468.660
Geraardsbergen · Eq €31,828
EMMAX
BE 0473.398.305
Kuurne · Eq €31,978
Erik Coosemans
BE 0838.045.455
Dendermonde · Eq €31,176
CAMTEC SERVICES
BE 1003.581.695
Grimbergen · Eq €32,608
PiBo
BE 0761.631.528
Duffel · Eq €32,670
Of 1,743 companies in sector 46150 we hold annual accounts for 758. 538 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded21-10-2002
Fiscal year end31-12
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Scores and ratios are computed by Checked and are not a credit decision.