Vertu Cons
ActiveThe computed 12-month bankruptcy probability of Vertu Cons is 1.8% (moderate). The 2025 annual accounts show equity of €186k and a net result of €62k. Its solvency ranks better than 73% of 7311 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Stability82
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days only on tighter terms
Liquidity ample (current ratio 2.54 against 3.47 in 2024), and 35.2% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
64.8%
Return on assets
21.7%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
9 d early
2024
356 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 50.5%
2024 · €123k
2024: €123k
2024 → 2025
Total assets
€286k▲ 67.9%
2024 · €171k
2024: €171k
2024 → 2025
Net result
€62k▼ 49.5%
2024 · €123k
2024: €123k
2024 → 2025
Working capital
€155k▲ 32.7%
2024 · €117k
2024: €117k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€123k-€186k▲ 50.5%
Operating result€157k-€74k▼ 52.7%
Net result€123k-€62k▼ 49.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€30k▲ 389%
Current assets
€256k▲ 55.8%
Equity and liabilities €286k
Equity
€186k▲ 50.5%
Debt
€101k▲ 113%
The debt ratio rises from 27.8% to 35.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€87k▼
2024 · €163k
Cash flow
€75k▼
2024 · €129k
Solvency
64.8%▼
2024 · 72.2%
Current ratio
2.54▼
2024 · 3.47
Quick ratio
2.54▼
2024 · 3.47
Debt / equity
0.54▲
2024 · 0.38
ROE
33.6%▼
2024 · 100.0%
ROA
21.7%▼
2024 · 72.2%
Interest coverage
31.05▼
2024 · 1047.55
Debt
€101k▲
2024 · €47k
Debt ≤ 1 year
€101k▲
2024 · €47k
Income taxes
€18k▼
2024 · €39k
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€171k€286k▲
Fixed assets21/28€6k€30k▲
Tangible fixed assets22/27€6k€30k▲
Furniture and vehicles24€6k€30k▲
Current assets29/58€164k€256k▲
Amounts receivable within one year40/41€145k€196k▲
Trade receivables40€10k€4k▼
Other amounts receivable41€135k€192k▲
Cash at bank and in hand54/58€19k€60k▲
Deferred charges and accrued income490/1€212-
Equity and liabilities
Total equity and liabilities10/49€171k€286k▲
Equity10/15€123k€186k▲
Profit (loss) carried forward14€123k€186k▲
Amounts payable17/49€47k€101k▲
Amounts payable within one year42/48€47k€101k▲
Trade debts44€9k€45k▲
Suppliers440/4€9k€45k▲
Taxes, remuneration and social security45€39k€56k▲
Taxes450/3€39k€56k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€13k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€166k€90k▼
Operating profit (loss)9901€157k€74k▼
Financial income75/76B€5k€9k▲
Recurring financial income75€5k€9k▲
Financial charges65/66B€155€3k▲
Recurring financial charges65€155€3k▲
Profit (loss) for the period before taxes9903€162k€80k▼
Income taxes67/77€39k€18k▼
Profit (loss) for the period9904€123k€62k▼
Profit (loss) for the period to be appropriated9905€123k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€186k▲
Profit (loss) brought forward from the previous period14P-€123k
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
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 356 days late
2025
31-12
Financial
Equity above €150kEq €186k ▲50.5%
2 profitable years in a row build equity to €186k.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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-Pieters-Leeuw · 1 establishment unit since 2023
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.
Bergensesteenweg 241600 Sint-Pieters-LeeuwGround area
1,992 m²
Building footprint
501 m²
Volume, LiDAR
3,252 m³
2 parcels, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vertu Cons
since 20232.350.964.551
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0118/00W082 | Flanders | 1,638 m² | 1 · 398 m² | 9.5 m · 3 fl. |
| 34023B0234/00F000 | Flanders | 354 m² | 1 · 103 m² | 7.9 m |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
GESTICONSTRUCT
BE 0837.553.923
Soumagne · Eq €186k
Grond- en afbraakwerken Dries Bryon
BE 0533.809.509
Zonnebeke · Eq €186k
RenoZen
BE 0536.583.511
Antwerpen · Eq €186k
ISOPROF
BE 0799.114.704
Aartselaar · Eq €186k
HISAR CONSTRUCT
BE 0699.981.197
Zaventem · Eq €186k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2023
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:tudorverdes1@gmail.com
Phone:+32467694328