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 34,946 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.
Overview
Overview
Official details
Source: KBO- Status
- Active since 08-11-2024 Normal situation
- Activity
- Site preparation NACE 43120and 2 others
- Establishment unit
- 2.366.320.542 1860 Meise, since 08-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.6%
- Gross margin
- €64,991
- Turnover
- ≈ €250,000
- estimated
- Profit
- €3,573
- Equity
- €23,573
- Total assets
- €336,262
Score breakdownraises riskFounded in 2024Sector: Specialised construction activities (NACE 43)Equity €23,573 (7.0% of total assets)lowers riskSize: total assets €336,262Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 12% of them on solvency, 26% on liquidity and 38% on profitability.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 07-07-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2025 |
|---|---|
| Tangible fixed assets | €287,069 |
| Intangible fixed assets | €1,097 |
| Depreciation and write-downs of the year | €52,923 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| 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 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 514 companies had the same profile as VERSPECHT has now. Two years later, 1.8% had gone bankrupt and 96.9% were still going.
- Micro
- under 2 years old
- solvency under 10%
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of VERSPECHT itself: 1.6% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 514 companies, not a prediction for VERSPECHT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 07-07-2026 | 2026-00261581 |
Board & ownership
Directors
Owners and capital
Shareholders
- VERSPECHT Lucas Rudi Hilde sole founder · 100% at incorporation
Capital transactions
- 13-11-2024 Incorporation · €20,000 · 100 shares
Network & group
Companies at the same address
1 other companyConnections & network
1 connected companyThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
13-11
Gazette deed
IncorporationStarting capital €20,000 · Appointment: VERSPECHT Lucas Rudi Hilde (eerste niet statutaire bestuurder) · Founder · Name clause10 points ▸
- Incorporation, “VERSPECHT” (deed in Dutch)
- Founder, VERSPECHT Lucas Rudi Hilde
- Name clause, VERSPECHT
- Founding capital, €20,000
- Bank account, “Belfius Bank NV, notaris in dossier” (deed in Dutch)
- Other provision, “statuten, HOOFDSTUK II.- STATUTEN” (deed in Dutch)
- Director appointment, VERSPECHT Lucas Rudi Hilde (eerste niet statutaire bestuurder)
- Other provision, “noch in België noch in buitenland, bestuursverbod” (deed in Dutch)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en handelingen door oprichter in naam en voor rekening vennootschap in oprichting” (deed in Dutch)
- Other provision, “Bestuurder, vertegenwoordiging rechtspersoon” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1016.068.565
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23050C0216/00W000 | Flanders | 1,210 m² | 1 · 154 m² | 8.3 m · 2 |