Vertico Business Solutions
ActiveThe computed 12-month bankruptcy probability of Vertico Business Solutions is 1.8% (moderate). The 2025 annual accounts show equity of €182k and a net result of €86k. Its solvency ranks better than 43% of 18237 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+12
Solvency51▲+11
Growth78
Track record82
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity short (current ratio 0.96 against 0.93 in 2024; short-term debt: 36.2% and cash: 1.6% of total assets), and 73.9% 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 · Young company
A young company has little track record yet and statistically fails more often than an established 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 47
Relative position
BE, all sectors
reference
Sector 47
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
26.1%
Return on assets
12.3%
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 18-08-2026, 18 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 · 2 filingsDeviation from the deadline
2025
18 d late
2024
on the day
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€182k▲ 89.2%
2024 · €96k
2024: €96k
2024 → 2025
Total assets
€699k▲ 10.1%
2024 · €634k
2024: €634k
2024 → 2025
Net result
€86k▲ 423%
2024 · €16k
2024: €16k
2024 → 2025
Working capital
€-11k▲ 18.8%
2024 · €-13k
2024: €-13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€96k-€182k▲ 89.2%
Operating result€29k-€126k▲ 341%
Net result€16k-€86k▲ 423%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 341% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €699k
Fixed assets
€457k▲ 1.6%
Current assets
€242k▲ 31.8%
Equity and liabilities €699k
Equity
€182k▲ 89.2%
Debt
€516k▼ 4.1%
The debt ratio falls from 84.8% to 73.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€193k▲
2024 · €49k
Cash flow
€154k▲
2024 · €37k
Solvency
26.1%▲
2024 · 15.2%
Current ratio
0.96▲
2024 · 0.93
Quick ratio
0.89▲
2024 · 0.88
Debt / equity
2.83▼
2024 · 5.58
ROE
47.1%▲
2024 · 17.0%
ROA
12.3%▲
2024 · 2.6%
Interest coverage
16.82▲
2024 · 10.71
Debt
€516k▼
2024 · €538k
Debt ≤ 1 year
€253k▲
2024 · €197k
Debt > 1 year
€258k▼
2024 · €292k
Income taxes
€29k▲
2024 · €8k
Staff costs
€318k▲
2024 · €99k
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€634k€699k▲
Formation expenses20€1k€0▼
Fixed assets21/28€450k€457k▲
Intangible fixed assets21€386k€346k▼
Tangible fixed assets22/27€60k€103k▲
Land and buildings22-€1k
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€51k€93k▲
Financial fixed assets28€3k€8k▲
Current assets29/58€183k€242k▲
Stocks and contracts in progress3€10k€18k▲
Stocks30/36€10k€18k▲
Amounts receivable within one year40/41€115k€213k▲
Trade receivables40€108k€201k▲
Other amounts receivable41€6k€12k▲
Cash at bank and in hand54/58€52k€11k▼
Deferred charges and accrued income490/1€7k€0▼
Equity and liabilities
Total equity and liabilities10/49€634k€699k▲
Equity10/15€96k€182k▲
Contributions10/11€80k€80k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14-€86k
Amounts payable17/49€538k€516k▼
Amounts payable after more than one year17€292k€258k▼
Financial debts170/4€292k€258k▼
Amounts payable within one year42/48€197k€253k▲
Current portion of amounts payable after more than one year42€63k€76k▲
Financial debts43€14k€78▼
Credit institutions430/8€12k€0▼
Other loans439€2k€78▼
Trade debts44€75k€92k▲
Suppliers440/4€75k€92k▲
Taxes, remuneration and social security45€44k€84k▲
Taxes450/3€34k€52k▲
Remuneration and social security454/9€10k€31k▲
Other amounts payable47/48-€584
Accrued charges and deferred income492/3€49k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€99k€318k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€68k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€2k€8k▲
Non-recurring operating charges66A-€100
Gross operating margin9900€150k€525k▲
Operating profit (loss)9901€29k€126k▲
Financial income75/76B€6€1k▲
Recurring financial income75€6€1k▲
Financial charges65/66B€5k€11k▲
Recurring financial charges65€5k€11k▲
Profit (loss) for the period before taxes9903€24k€115k▲
Income taxes67/77€8k€29k▲
Profit (loss) for the period9904€16k€86k▲
Profit (loss) for the period to be appropriated9905€16k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€86k▲
Transfer to equity691/2€16k€0▼
To other reserves6921€16k€0▼
The notes to these accounts (16 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Equity above €150kEq €182k ▲89.2%
2 profitable years in a row build equity to €182k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro 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, Sint-Niklaas · 1 establishment unit since 2024
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.
Prins Boudewijnlaan 659100 Sint-NiklaasGround area
3.7 ha
Building footprint
2.5 ha
Parcel 46442C0169/00V003, Flanders. Linked by address, not a title deed.
1 establishment unit
Vertico Business Solutions
since 20242.363.440.038
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C0169/00V003 | Flanders | 3.7 ha | 1 · 2.5 ha | - |
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
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,378 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-08-2024
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
46500Wholesale of information and communication equipment
46510Wholesale trade
70200Business and other management consultancy
70220Business consulting
82990Other business support services
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.