VERSPECHT
ActiveSummary
The computed 12-month bankruptcy probability of VERSPECHT is 1.6% (moderate). The 2025 annual accounts show equity of €23,573 and a net result of €3,573. Its solvency ranks better than 12% of 34,650 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 514 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96.9% are still going.
- Micro
- under 2 years old
- solvency under 10%
- a profit under 5% of the balance sheet
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 514 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €52,923 |
| Other operating charges640/8 | €1,180 |
| Gross operating margin9900 | €64,991 |
| Operating profit (loss)9901 | €10,888 |
| Financial income75/76B | €71 |
| Recurring financial income75 | €71 |
| Financial charges65/66B | €7,386 |
| Recurring financial charges65 | €7,386 |
| Profit (loss) for the period before taxes9903 | €3,573 |
| Profit (loss) for the period9904 | €3,573 |
| Profit (loss) for the period to be appropriated9905 | €3,573 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €336,262 | |
| Fixed assets21/28 | €235,243 | |
| Intangible fixed assets21 | €0 | |
| Tangible fixed assets22/27 | €235,243 | |
| Plant, machinery and equipment23 | €109,711 | |
| Furniture and vehicles24 | €125,533 | |
| Current assets29/58 | €101,018 | |
| Amounts receivable within one year40/41 | €75,410 | |
| Trade receivables40 | €71,845 | |
| Other amounts receivable41 | €3,565 | |
| Cash at bank and in hand54/58 | €23,393 | |
| Deferred charges and accrued income490/1 | €2,216 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €336,262 | |
| Equity10/15 | €23,573 | |
| Contributions10/11 | €20,000 | |
| Profit (loss) carried forward14 | €3,573 | |
| Amounts payable17/49 | €312,688 | |
| Amounts payable after more than one year17 | €166,814 | |
| Financial debts170/4 | €166,814 | |
| Amounts payable within one year42/48 | €145,875 | |
| Current portion of amounts payable after more than one year42 | €46,428 | |
| Trade debts44 | €24,236 | |
| Suppliers440/4 | €24,236 | |
| Taxes, remuneration and social security45 | €3,660 | |
| Taxes450/3 | €1,660 | |
| Remuneration and social security454/9 | €2,000 | |
| Other amounts payable47/48 | €71,551 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €3,573 |
| + Depreciation and write-downs630 | €52,923 |
| Operating cash flow (approximation) | €56,496 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 07-07-2026 | 2026-00261581 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.