Verto Group
ActiveVerto Group has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €91k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 29% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability57▼-1
Solvency33▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.21 in 2023; short-term debt: 62.3% and cash: 0.1% of total assets), and 91.6% 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○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 →
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
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €91k
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 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
8 d early
2022
7 d early
2021
5 d early
2020
12 d early
2019
20 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€91k▲ 36.2%
2023 · €67k
2018: €-17k
2019: €-942
2020: €4k
2021: €8k
2022: €49k
2023: €67k
2018 → 2024
Total assets
€1.09M▲ 10.7%
2023 · €986k
2018: €223k
2019: €248k
2020: €238k
2021: €252k
2022: €405k
2023: €986k
2018 → 2024
Net result
€24k▲ 33.0%
2023 · €18k
2018: €8k
2019: €16k
2020: €5k
2021: €4k
2022: €41k
2023: €18k
2018 → 2024
Working capital
€-401k▲ 4.9%
2023 · €-422k
2018: €-10k
2019: €-13k
2020: €-2k
2021: €-19k
2022: €-56k
2023: €-422k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€4k-€8k▲ 84.2%€49k▲ 519%€67k▲ 37.4%€91k▲ 36.2%
Operating result€10k-€7k▼ 25.0%€53k▲ 627%€48k▼ 10.0%€64k▲ 32.7%
Net result€5k-€4k▼ 31.0%€41k▲ 1,036%€18k▼ 55.4%€24k▲ 33.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 33% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.09M
Fixed assets
€813k▼ 6.7%
Current assets
€278k▲ 142%
Equity and liabilities €1.09M
Equity
€91k▲ 36.2%
Debt
€1,000k▲ 8.8%
The debt ratio falls from 93.2% to 91.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€127k▲
2023 · €95k
Cash flow
€88k▲
2023 · €66k
Solvency
8.4%▲
2023 · 6.8%
Current ratio
0.41▲
2023 · 0.21
Quick ratio
0.39▲
2023 · 0.19
Debt / equity
10.94▼
2023 · 13.70
ROE
26.6%▼
2023 · 27.2%
ROA
2.2%▲
2023 · 1.9%
Interest coverage
4.26▼
2023 · 4.41
Debt
€1,000k▲
2023 · €919k
Debt ≤ 1 year
€679k▲
2023 · €537k
Debt > 1 year
€320k▼
2023 · €382k
Income taxes
€10k▲
2023 · €8k
Staff costs
€35k▲
2023 · €33k
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€986k€1.09M▲
Fixed assets21/28€871k€813k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€869k€811k▼
Land and buildings22€643k€626k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€212k€175k▼
Current assets29/58€115k€278k▲
Stocks and contracts in progress3€12k€11k▼
Stocks30/36€12k€11k▼
Amounts receivable within one year40/41€47k€261k▲
Trade receivables40€11k€255k▲
Other amounts receivable41€36k€7k▼
Cash at bank and in hand54/58€51k€699▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€986k€1.09M▲
Equity10/15€67k€91k▲
Contributions10/11€21k€21k=
Profit (loss) carried forward14€46k€70k▲
Amounts payable17/49€919k€1,000k▲
Amounts payable after more than one year17€382k€320k▼
Financial debts170/4€382k€320k▼
Amounts payable within one year42/48€537k€679k▲
Current portion of amounts payable after more than one year42€282k€285k▲
Trade debts44€188k€308k▲
Suppliers440/4€188k€308k▲
Taxes, remuneration and social security45€16k€18k▲
Taxes450/3€8k€13k▲
Remuneration and social security454/9€8k€5k▼
Other amounts payable47/48€50k€68k▲
Accrued charges and deferred income492/3-€52
Income statement
Code20232024
Remuneration, social security and pensions62€33k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€64k▲
Other operating charges640/8€4k€10k▲
Non-recurring operating charges66A€73k€122k▲
Gross operating margin9900€205k€294k▲
Operating profit (loss)9901€48k€64k▲
Financial income75/76B€241€185▼
Recurring financial income75€241€185▼
Financial charges65/66B€22k€30k▲
Recurring financial charges65€22k€30k▲
Profit (loss) for the period before taxes9903€27k€34k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€18k€24k▲
Profit (loss) for the period to be appropriated9905€18k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€70k▲
Profit (loss) brought forward from the previous period14P€28k€46k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €41k ▲1036%
Net result €41k, the highest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €4k ▼31%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Hemiksem · 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.
Lindelei 1032620 HemiksemGround area
813 m²
Building footprint
729 m²
Volume, LiDAR
4,918 m³
Parcel 11018A0071/00A003, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BEST MAT
since 20152.246.576.913
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11018A0071/00A003 | Flanders | 813 m² | 1 · 729 m² | 11.1 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.
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
IMMO FFF
BE 0417.949.937
Hasselt · Eq €91k
Go-Real
BE 0824.567.207
Antwerpen · Eq €91k
2BOW
BE 0784.787.507
Knokke-Heist · Eq €91k
Friedman Immo
BE 0672.443.986
Antwerpen · Eq €92k
D-Consulting
BE 0831.325.236
Laakdal · Eq €91k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2014
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.