VERT DE TOI
ActiveSummary
VERT DE TOI has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €29k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 39% of 4486 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+1
Solvency56▼-18
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.88 against 1.87 in 2024; short-term debt: 42% and cash: 31.7% of total assets), and 69.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
30.7%
Return on assets
7.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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
13 d late
2024
28 d late
2023
28 d late
2022
29 d late
2021
7 d late
2020
30 d late
2019
1 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▼ 43.0%
2024 · €198k
2018: €137k
2019: €168k
2020: €191k
2021: €197k
2022: €205k
2023: €172k
2024: €198k
2018 → 2025
Total assets
€368k▼ 8.1%
2024 · €401k
2018: €347k
2019: €380k
2020: €409k
2021: €379k
2022: €379k
2023: €356k
2024: €401k
2018 → 2025
Net result
€29k▲ 9.2%
2024 · €26k
2018: €19k
2019: €33k
2020: €23k
2021: €6k
2022: €8k
2023: €13k
2024: €26k
2018 → 2025
Working capital
€-19k
2024 · €71k
2018: €51k
2019: €74k
2020: €73k
2021: €87k
2022: €88k
2023: €67k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€197k-€205k▲ 4.3%€172k▼ 16.3%€198k▲ 15.3%€113k▼ 43.0%
Operating result€11k-€15k▲ 28.0%€23k▲ 54.3%€40k▲ 77.5%€45k▲ 13.4%
Net result€6k-€8k▲ 46.8%€13k▲ 52.4%€26k▲ 103%€29k▲ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€232k ▼ 6.6%
Current assets
€136k ▼ 10.7%
Equity and liabilities €368k
Equity
€113k ▼ 43.0%
Debt
€255k ▲ 26.0%
Debt's share of the balance-sheet total rises from 50.5% to 69.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€94k▲
2024 · €77k
Cash flow
€77k▲
2024 · €64k
Current ratio
0.88▼
2024 · 1.87
Quick ratio
0.82▼
2024 · 1.77
Debt to equity
2.25▲
2024 · 1.02
ROE
25.4%▲
2024 · 13.2%
ROA
7.8%▲
2024 · 6.6%
Interest coverage
24.98▲
2024 · 22.64
Debt ≤ 1 year
€155k▲
2024 · €81k
Debt > 1 year
€100k▼
2024 · €121k
Income taxes
€13k▲
2024 · €11k
Staff costs
€39k▼
2024 · €75k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€401k€368k▼
Fixed assets21/28€249k€232k▼
Tangible fixed assets22/27€247k€231k▼
Land and buildings22€131k€121k▼
Plant, machinery and equipment23€33k€37k▲
Furniture and vehicles24€84k€73k▼
Financial fixed assets28€1k€1k=
Current assets29/58€152k€136k▼
Stocks and contracts in progress3€8k€9k▲
Stocks30/36€8k€9k▲
Amounts receivable within one year40/41€5k€5k▲
Trade receivables40€5k€2k▼
Other amounts receivable41€175€3k▲
Cash at bank and in hand54/58€132k€117k▼
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€401k€368k▼
Equity10/15€198k€113k▼
Contributions10/11€6k€6k=
Reserves13€192k€107k▼
Distributable reserves133€192k€107k▼
Amounts payable17/49€202k€255k▲
Amounts payable after more than one year17€121k€100k▼
Financial debts170/4€121k€100k▼
Amounts payable within one year42/48€81k€155k▲
Current portion of amounts payable after more than one year42€28k€21k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€19k€13k▼
Taxes450/3€11k€9k▼
Remuneration and social security454/9€8k€4k▼
Other amounts payable47/48€29k€117k▲
Income statement
Code20242025
Remuneration, social security and pensions62€75k€39k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€49k▲
Other operating charges640/8€9k€2k▼
Gross operating margin9900€161k€136k▼
Operating profit (loss)9901€40k€45k▲
Financial income75/76B€275€35▼
Recurring financial income75€275€35▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€37k€42k▲
Income taxes67/77€11k€13k▲
Profit (loss) for the period9904€26k€29k▲
Profit (loss) for the period to be appropriated9905€26k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€29k▲
Transfer from equity791/2-€114k
Transfer to equity691/2€26k€29k▲
To other reserves6921€26k€29k▲
Profit to be distributed694/7-€114k
Return on contributions (dividend)694-€114k
The notes to these accounts (9 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €200kEq €205k ▲4.3%
5 profitable years in a row build equity to €205k.
07-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 7 days late
2021
31-12
Financial
Weakest financial yearnet €6k ▼74.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €33k ▲68.4%
Operating result €47k, net result €33k, both a record.
31-12
Financial
Equity above €150kEq €168k ▲22.6%
2 profitable years in a row build equity to €168k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Seneffe · 1 establishment unit since 2012
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.
Rue du Marais 317181 SeneffeGround area
922 m²
Building footprint
139 m²
Parcel 52052B0194/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
VERT DE TOI
since 20122.213.167.539
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52052B0194/00P000 | Wallonia | 922 m² | 1 · 139 m² | - |
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.
Similar companies · same sector, comparable size
BOJARDINS
BE 0672.499.020
Fontaine-l'Evêque · Eq €113,141
Easygarden
BE 0770.821.485
Ravels · Eq €113,021
AVG-PROJECTS
BE 0766.734.124
Lennik · Eq €113,185
Abords & Jardins MOUTON Alex
BE 0563.798.741
Waterloo · Eq €112,947
DeBeer&DeVos
BE 0669.779.852
Hasselt · Eq €112,914
Of 21,216 companies in sector 81300 we hold annual accounts for 4,362. 3,598 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2012
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
43240Other construction installation
43332Laying of wooden floor and wall coverings
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.