VERTIMMO O.G.
ActiveVERTIMMO O.G. has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €503k and a net result of €-45k. Equity is growing by ~31.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability29▼-61
Solvency63▼-37
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
short-term debt: 0.4% and cash: 4.8% of total assets, and 61.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
38.2%
Return on assets
-3.4%
Age of the figures
21 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 · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
39 d early
2022
39 d early
2021
33 d early
2020
5 d early
2019
10 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€503k▼ 8.2%
2023 · €548k
2018: €83k
2019: €244k
2020: €241k
2021: €223k
2022: €400k
2023: €548k
2018 → 2024
Total assets
€1.32M▲ 87.1%
2023 · €704k
2018: €823k
2019: €249k
2020: €406k
2021: €450k
2022: €547k
2023: €704k
2018 → 2024
Net result
€-45k
2023 · €148k
2018: €-24k
2019: €160k
2020: €-2k
2021: €-18k
2022: €177k
2023: €148k
2018 → 2024
Working capital
€1.31M▲ 89.3%
2023 · €693k
2018: €790k
2019: €244k
2020: €406k
2021: €448k
2022: €543k
2023: €693k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€241k-€223k▼ 7.6%€400k▲ 79.4%€548k▲ 36.9%€503k▼ 8.2%
Operating result€4k-€-11k€243k€206k▼ 15.2%€-43k
Net result€-2k-€-18k▼ 745%€177k€148k▼ 16.7%€-45k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €43k after €206k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €1.32M
Equity
€503k▼ 8.2%
Debt
€814k▲ 421%
The debt ratio rises from 22.2% to 61.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
38.2%▼
2023 · 77.8%
Quick ratio
25.02▼
2023 · 64.33
Debt / equity
1.62▲
2023 · 0.29
ROE
-9.0%▼
2023 · 26.9%
ROA
-3.4%▼
2023 · 21.0%
Debt
€814k▲
2023 · €156k
Debt ≤ 1 year
€5k▼
2023 · €11k
Debt > 1 year
€800k▲
2023 · €131k
A ratio outside any meaningful range has been withheld (balance sheet total €1.32M, equity €503k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€704k€1.32M▲
Current assets29/58€704k€1.32M▲
Stocks and contracts in progress3-€1.20M
Stocks30/36-€1.20M
Amounts receivable within one year40/41€5k€3k▼
Other amounts receivable41€5k€3k▼
Current investments50/53€500k€50k▼
Cash at bank and in hand54/58€199k€63k▼
Deferred charges and accrued income490/1€17€824▲
Equity and liabilities
Total equity and liabilities10/49€704k€1.32M▲
Equity10/15€548k€503k▼
Contributions10/11€100k€100k=
Reserves13€10k€10k=
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Profit (loss) carried forward14€438k€393k▼
Amounts payable17/49€156k€814k▲
Amounts payable after more than one year17€131k€800k▲
Financial debts170/4€131k€800k▲
Amounts payable within one year42/48€11k€5k▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48-€3k
Accrued charges and deferred income492/3€15k€10k▼
Income statement
Code20232024
Other operating charges640/8€2k€50k▲
Gross operating margin9900€208k€7k▼
Operating profit (loss)9901€206k€-43k▼
Financial income75/76B-€9k
Recurring financial income75-€9k
Financial charges65/66B€8k€11k▲
Recurring financial charges65€8k€11k▲
Profit (loss) for the period before taxes9903€198k€-45k▼
Income taxes67/77€51k-
Profit (loss) for the period9904€148k€-45k▼
Profit (loss) for the period to be appropriated9905€148k€-45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€438k€393k▼
Profit (loss) brought forward from the previous period14P€290k€438k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-45k ▼131%
Net result drops to €-45k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 282.03
Current ratio from 64.33 to 282.03; short-term debt falls from €11k to €5k.
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €548k ▲36.9%
2 profitable years in a row build equity to €548k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €177k
Net result €177k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 9current ratio 446.17
Current ratio from 49.13 to 446.17; short-term debt falls from €5k to €911.
21-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €160k
Net result €160k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 49.13
Current ratio from 24.50 to 49.13; short-term debt falls from €34k to €5k.
31-12
Financial
Equity above €200kEq €244k ▲192%
Equity rises from €83k to €244k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 2015
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.
Platte Lostraat 505c3010 LeuvenGround area
1,227 m²
Building footprint
185 m²
Volume, LiDAR
938 m³
Parcel 24483D0003/00H003, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERTIMMO O.G.
since 20152.240.165.807
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483D0003/00H003 | Flanders | 1,227 m² | 1 · 185 m² | 8.3 m · 2 fl. |
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.
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EURODEP
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DEBDES
BE 0817.153.635
Nieuwpoort · Eq €500k
Of 11,750 companies in sector 68310 we hold annual accounts for 6,908. 4,574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2015
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.