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Complete company report
Generated 28-07-2026
Active BE 0450.755.139Public limited company

VERTILA

Bonaerde 9 ·8520 Kuurne, Belgium· 32 yrs active
Sector: NACE 66290 (66290)
Conclusion Checked

VERTILA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €421k and a net result of €98k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 762 sector peers (fiscal year 2024). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €421k
Net result €98k
Staff (FTE) 1.8
Better than sector 46%
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency75Growth78Stability100
71 / 100

Strong profile, led by profitability.

Health 0
Profitability 100
Solvency 75
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1993, 32 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview10 NBB filings
Annual accounts filed on 11-07-2025 with the NBB · fiscal year 2024 · micro
€-50k€0€50k€100kOperating result 2020: €72k€72kNet result 2020: €70k€70kOperating result 2021: €112k€112kNet result 2021: €58k€58kOperating result 2022: €85k€85kNet result 2022: €65k€65kOperating result 2023: €-48k€-48kNet result 2023: €-43k€-43kOperating result 2024: €96k€96kNet result 2024: €98k€98k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~9.4%/year over 7 fiscal years, indicative, assuming unchanged policy.
€200k€400k€600k€800k2025: €519k (€450k - €587k)2026: €555k (€446k - €664k)2027: €591k (€441k - €741k)2018: €235k2019: €302k2020: €354k2021: €412k2022: €476k2023: €385k2024: €421k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 33.2% 38.8%
better than 46% of 762 sector peers
Net result €98k €28k
better than 83% of 761 sector peers
Equity €421k €63k
better than 92% of 762 sector peers
Gross operating margin €347k €66k
better than 90% of 759 sector peers
Staff costs €93k €63k
higher than 61% of 265 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€98k
- +58% vs sector
Total assets
€1.27M
-2.8% +13% vs sector
Equity
€421k
+9.4% ≈ vs sector
Employees (FTE)
2
-10.0% +29% vs sector
Staff costs
€93k
-0.1% -49% vs sector
Income taxes
€48k
+4901.2% +68% vs sector
Dividends
€62k
+28.9% -17% vs sector
Debt
€803k
-8.1% +14% vs sector
Debt ≤ 1y
€104k
+6.3% ≈ vs sector
Debt > 1y
€698k
-9.9% +188% vs sector
Solvency
33.2%
+12.5% -46% vs sector
ROE
23.3%
- +36% vs sector
ROA
7.7%
- ≈ vs sector
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€98k
Cash flown/a
Staff costs€93k
Income taxes€48k
Dividends€62k
Total assets€1.27M
Equity€421k
Debt€803k
of which ≤ 1y€104k
of which > 1y€698k
Working capitaln/a
Employees (FTE)1.8
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency33.2%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA7.7%
ROE23.3%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.27M
Fixed assets 21/28€920k
Intangible fixed assets 21€392k
Tangible fixed assets 22/27€528k
Financial fixed assets 28€50
Current assets 29/58€348k
Amounts receivable within one year 40/41€260k
Investments 50/53€50k
Cash & bank 54/58€30k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.27M
Equity 10/15€421k
Contributions / capital 10/11€100k
Reserves 13€321k
Accumulated profits (losses) 14€0
Provisions & deferred taxes 16€44k
Amounts payable 17/49€803k
Amounts payable after one year 17€698k
Amounts payable within one year 42/48€104k
Trade debts payable within one year 44€13k
Income statement
Gross operating margin 9900€347k
Operating result 9901€96k
Financial income 75€72k
Financial charges 65€23k
Result before taxes 9903€145k
Income taxes 67/77€48k
Net result for the period 9904€98k
Result to be appropriated 9905€102k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary 66290
Legal form Public limited company(014)
Incorporation24-08-1993
StatusActive
Postal code8520
Establishment units 1 location
VERTILA
Twaalfde-Liniestraat 1, 8520 KuurneFinanciële leasing
since 19932.063.548.009
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34023C0384/00T000 Flanders 1,637 m² 1 · 234 m² 8.4 m · 2 fl.
34023C0194/00S006 Flanders 519 m² 1 · 281 m² 11.0 m · 1 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
11-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
17-10-2024
State Gazette act Director changes
23-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
13-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
30-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
31-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
14-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
29-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
31-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
23-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
30-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
17-10-2024 2 directors appointed, 1 reappointed Director changes
  • Lagappe Jean-Claude, Gedelegeerd bestuurder
  • Lagappe Jean-Claude, Voorzitter
  • Lagappe Jean-Claude, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Lagappe Jean-Claude",
        "address": "Bonaerde 9 - 8520 Kuurne",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Met \u00E9\u00E9nparigheid van stemmen wordt beslist vanaf heden de volgende bestuursmandaten te verlengen voor de duur van zes jaar, eindigend per 31/12/2029:",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd bestuurder",
      "person": {
        "rrn": null,
        "name": "Lagappe Jean-Claude",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Onmiddellijk na deze buitengewone algemene vergadering is de Raad van Bestuur bijeengekomen en hebben besloten om de heer Lagappe Jean-Claude te herbenoemen tot gedelegeerd bestuurder",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "voorzitter",
      "person": {
        "rrn": null,
        "name": "Lagappe Jean-Claude",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Onmiddellijk na deze buitengewone algemene vergadering is de Raad van Bestuur bijeengekomen en hebben besloten om de heer Lagappe Jean-Claude te herbenoemen tot gedelegeerd bestuurder en Voorzitter",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Gent",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-10-17",
    "filing_date": "2024-10-07",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-01-01",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0450.755.139",
    "name_full": "Vertila",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191Agenten en makelaars in bankdiensten66191Overige ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen66290Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg66290
Primary activity highlighted.
Names & trade names
Legal nameNL VERTILA
Registered office
Bonaerde 9
8520 Kuurne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative