VERTOMMEN I.D. 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 €2.14M and a net result of €146k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 6156 sector peers (fiscal year 2024). The company has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
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 12-07-2025, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
19 d early
2023
57 d early
2022
52 d early
2021
62 d early
2020
64 d early
2019
59 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.14M▲ 7.3%
2023 · €1.99M
2018: €1.73M
2019: €1.53M
2020: €2.17M
2021: €2.00M
2022: €1.96M
2023: €1.99M
2018 → 2024
Net result
€146k▲ 422%
2023 · €28k
2018: €46k
2019: €-198k
2020: €639k
2021: €-168k
2022: €-36k
2023: €28k
2018 → 2024
Total assets
€5.11M▼ 3.8%
2023 · €5.32M
2018: €5.07M
2019: €5.20M
2020: €6.22M
2021: €5.87M
2022: €5.97M
2023: €5.32M
2018 → 2024
Solvency
41.8%▲ 4.3pp
2023 · 37.5%
2018: 34.0%
2019: 29.4%
2020: 34.9%
2021: 34.1%
2022: 32.9%
2023: 37.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.17M-€2.00M▼ 7.8%€1.96M▼ 1.8%€1.99M▲ 1.4%€2.14M▲ 7.3%
Operating result€713k-€-110k€30k€147k▲ 387%€349k▲ 137%
Net result€639k-€-168k€-36k▲ 78.8%€28k€146k▲ 422%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 137% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €5.11M
Fixed assets
€5.02M▼ 4.3%
Current assets
€93k▲ 28.9%
Equity and liabilities €5.11M
Equity
€2.14M▲ 7.3%
Provisions
€68k
Debt
€2.91M▼ 12.5%
The debt ratio falls from 62.5% to 56.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
41.8%▲
2023 · 37.5%
ROE
6.8%▲
2023 · 1.4%
ROA
2.9%▲
2023 · 0.5%
Debt
€2.91M▼
2023 · €3.32M
Debt ≤ 1 year
€698k▼
2023 · €1.14M
Debt > 1 year
€2.15M▲
2023 · €2.13M
Income taxes
€546▲
2023 · €505
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€5.32M€5.11M▼
Fixed assets21/28€5.24M€5.02M▼
Tangible fixed assets22/27€5.24M€5.02M▼
Land and buildings22€5.22M€4.99M▼
Plant, machinery and equipment23€1k€831▼
Furniture and vehicles24€689€291▼
Other tangible fixed assets26€24k€28k▲
Current assets29/58€72k€93k▲
Amounts receivable within one year40/41€56k€34k▼
Trade receivables40€56k€34k▼
Cash at bank and in hand54/58€15k€55k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€5.32M€5.11M▼
Equity10/15€1.99M€2.14M▲
Contributions10/11€2.41M€2.41M=
Capital10€2.41M€2.41M=
Issued capital100€2.41M€2.41M=
Reserves13€30k€233k▲
Non-distributable reserves130/1€30k€30k=
Legal reserve130€30k€30k=
Tax-exempt reserves132-€203k
Profit (loss) carried forward14€-452k€-509k▼
Provisions and deferred taxes16-€68k
Deferred taxes168-€68k
Amounts payable17/49€3.32M€2.91M▼
Amounts payable after more than one year17€2.13M€2.15M▲
Financial debts170/4€2.13M€2.14M▲
Other amounts payable178/9€960€2k▲
Amounts payable within one year42/48€1.14M€698k▼
Current portion of amounts payable after more than one year42€201k€137k▼
Financial debts43-€75k
Credit institutions430/8-€75k
Trade debts44€44k€51k▲
Suppliers440/4€44k€51k▲
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€4k▼
Remuneration and social security454/9€320€978▲
Other amounts payable47/48€884k€430k▼
Accrued charges and deferred income492/3€51k€63k▲
Income statement
Code20232024
Non-recurring operating income76A€30k€271k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€258k€238k▼
Other operating charges640/8€39k€43k▲
Gross operating margin9900€444k€630k▲
Operating profit (loss)9901€147k€349k▲
Financial income75/76B-€14
Recurring financial income75-€14
Financial charges65/66B€119k€135k▲
Recurring financial charges65€119k€135k▲
Profit (loss) for the period before taxes9903€29k€215k▲
Transfer to deferred taxes680-€68k
Income taxes67/77€505€546▲
Profit (loss) for the period9904€28k€146k▲
Transfer to tax-exempt reserves689-€203k
Profit (loss) for the period to be appropriated9905€28k€-57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-452k€-509k▼
Profit (loss) brought forward from the previous period14P€-480k€-452k▲
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
2025
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €2MEq €2.14M ▲7.3%
2 profitable years in a row build equity to €2.14M.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €639k
Net result €639k after one loss-making year.
31-12
Financial
Equity above €2MEq €2.17M ▲41.8%
Equity rises from €1.53M to €2.17M.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-198k ▼527%
Net result drops to €-198k, the lowest in the series; recovery starts the following year.
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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 1998
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.
Galgstraat 949100 Sint-NiklaasGround area
3,425 m²
Building footprint
257 m²
Volume, LiDAR
1,318 m³
Parcel 46442C1103/00Z000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Galgstraat 94, 9100 Sint-Niklaas
since 19982.012.916.383
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C1103/00Z000 | Flanders | 3,425 m² | 1 · 257 m² | 7.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 666 EUR awarded · 666 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 570 EUR | 570 EUR |
| 2022 | 1 | 96 EUR | 96 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 10,713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-11-1976
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.