Summary
VERUMAT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €74,305 and a net result of €64,305. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 8074 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
30 d late
2024
29 d late
2023
30 d late
2022
28 d late
2021
26 d late
2020
31 d late
2019
87 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€74,305▼ 43.8%
2024 · €132,198
Net result
€64,305▼ 20.2%
2024 · €80,597
Total assets
€332,542▲ 13.9%
2024 · €291,958
Solvency
22.3%▼ 22.9pp
2024 · 45.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€53,129▼ 42.6%€79,377▲ 49.4%€59,558▼ 25.0%€103,033▲ 73.0%€81,733▼ 20.7%
Net result€40,164within the sector's middle half▼ 44.3%€60,945within the sector's middle half▲ 51.7%€41,601within the sector's middle half▼ 31.7%€80,597above the sector's middle half▲ 93.7%€64,305within the sector's middle half▼ 20.2%
Equity€172,223within the sector's middle half▲ 30.4%€233,168within the sector's middle half▲ 35.4%€51,601within the sector's middle half▼ 77.9%€132,198within the sector's middle half▲ 156%€74,305within the sector's middle half▼ 43.8%
Total assets€217,206within the sector's middle half▲ 7.6%€284,678within the sector's middle half▲ 31.1%€196,028within the sector's middle half▼ 31.1%€291,958within the sector's middle half▲ 48.9%€332,542within the sector's middle half▲ 13.9%
Debt€44,983▼ 35.5%€51,509▲ 14.5%€144,427▲ 180%€159,760▲ 10.6%€258,237▲ 61.6%
Working capital€171,271▲ 31.3%€234,215▲ 36.8%€58,056▼ 75.2%€139,463▲ 140%€82,233▼ 41.0%
Solvency79.3%above the sector's middle half▲ 13.9pp81.9%above the sector's middle half▲ 2.6pp26.3%within the sector's middle half▼ 55.6pp45.3%within the sector's middle half▲ 19.0pp22.3%within the sector's middle half▼ 22.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332,542
Fixed assets
€1,894 ▼ 25.9%
Current assets
€330,648 ▲ 14.3%
Equity and liabilities €332,542
Equity
€74,305 ▼ 43.8%
Debt
€258,237 ▲ 61.6%
Debt's share of the balance-sheet total rises from 54.7% to 77.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
86.5%▲
2024 · 61.0%
ROA
19.3%▼
2024 · 27.6%
Debt ≤ 1 year
€248,415▲
2024 · €149,938
Income taxes
€17,313▼
2024 · €22,394
Staff costs
€169
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €180 | - | €169 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €667 | €809 | €809 | €809 | €663 | ▼ 18.1% |
| Other operating charges640/8 | €605 | €1,285 | €866 | €784 | €1,383 | ▲ 76.4% |
| Gross operating margin9900 | €54,400 | €81,471 | €61,414 | €104,626 | €83,948 | ▼ 19.8% |
| Operating profit (loss)9901 | €53,129 | €79,377 | €59,558 | €103,033 | €81,733 | ▼ 20.7% |
| Financial income75/76B | €12 | €56 | €65 | €0 | - | - |
| Recurring financial income75 | €12 | €56 | €65 | €0 | - | - |
| Financial charges65/66B | €1,628 | €1,365 | €4,678 | €42 | €114 | ▲ 172% |
| Recurring financial charges65 | €1,628 | €1,365 | €4,678 | €42 | €114 | ▲ 172% |
| Profit (loss) for the period before taxes9903 | €51,512 | €78,068 | €54,946 | €102,991 | €81,619 | ▼ 20.8% |
| Income taxes67/77 | €11,348 | €17,123 | €13,345 | €22,394 | €17,313 | ▼ 22.7% |
| Profit (loss) for the period9904 | €40,164 | €60,945 | €41,601 | €80,597 | €64,305 | ▼ 20.2% |
| Profit (loss) for the period to be appropriated9905 | €40,164 | €60,945 | €41,601 | €80,597 | €64,305 | ▼ 20.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €217,206 | €284,678 | €196,028 | €291,958 | €332,542 | ▲ 13.9% |
| Fixed assets21/28 | €4,985 | €4,176 | €3,366 | €2,557 | €1,894 | ▼ 25.9% |
| Tangible fixed assets22/27 | €4,985 | €4,176 | €3,366 | €2,557 | €1,894 | ▼ 25.9% |
| Land and buildings22 | €3,975 | €3,455 | €2,934 | €2,414 | €1,894 | ▼ 21.5% |
| Furniture and vehicles24 | €1,010 | €721 | €432 | €143 | - | - |
| Current assets29/58 | €212,221 | €280,502 | €192,662 | €289,401 | €330,648 | ▲ 14.3% |
| Amounts receivable within one year40/41 | €18,737 | €25,222 | €15,414 | €13,789 | €76,989 | ▲ 458% |
| Trade receivables40 | €18,453 | €23,009 | €5,006 | €11,276 | €54,214 | ▲ 381% |
| Other amounts receivable41 | €285 | €2,213 | €10,408 | €2,513 | €22,775 | ▲ 806% |
| Cash at bank and in hand54/58 | €193,484 | €254,864 | €177,248 | €275,612 | €253,659 | ▼ 8.0% |
| Deferred charges and accrued income490/1 | - | €415 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €217,206 | €284,678 | €196,028 | €291,958 | €332,542 | ▲ 13.9% |
| Equity10/15 | €172,223 | €233,168 | €51,601 | €132,198 | €74,305 | ▼ 43.8% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €162,223 | €223,168 | €41,601 | €122,198 | €64,305 | ▼ 47.4% |
| Distributable reserves133 | €162,223 | €223,168 | €41,601 | €122,198 | €64,305 | ▼ 47.4% |
| Amounts payable17/49 | €44,983 | €51,509 | €144,427 | €159,760 | €258,237 | ▲ 61.6% |
| Amounts payable within one year42/48 | €40,951 | €46,287 | €134,605 | €149,938 | €248,415 | ▲ 65.7% |
| Trade debts44 | €2,375 | €414 | €1,978 | €1,790 | €7,437 | ▲ 315% |
| Suppliers440/4 | €2,375 | €414 | €1,978 | €1,790 | €7,437 | ▲ 315% |
| Taxes, remuneration and social security45 | €8,261 | €17,123 | - | €13,510 | €1,259 | ▼ 90.7% |
| Taxes450/3 | €8,261 | €17,123 | - | €13,510 | €1,259 | ▼ 90.7% |
| Other amounts payable47/48 | €30,315 | €28,750 | €132,628 | €134,638 | €239,719 | ▲ 78.0% |
| Accrued charges and deferred income492/3 | €4,032 | €5,222 | €9,821 | €9,821 | €9,821 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40,164 | €60,945 | €41,601 | €80,597 | €64,305 | ▼ 20.2% |
| + Depreciation and write-downs630 | €667 | €809 | €809 | €809 | €663 | ▼ 18.1% |
| Operating cash flow (approximation) | €40,831 | €61,754 | €42,410 | €81,407 | €64,968 | ▼ 20.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €61,380 | -€77,617 | €98,364 | -€21,953 | ▼ 122% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2019net €80,597 ▲93.7%
Operating result €103,033, net result €80,597, both a record.
31-12
Financial
Equity above €100,000Eq €132,198 ▲156%
6 profitable years in a row build equity to €132,198.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Equity above €200,000Eq €233,168 ▲35.4%
4 profitable years in a row build equity to €233,168.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €40,164 ▼44.3%
Net result drops to €40,164, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150,000Eq €172,223 ▲30.4%
3 profitable years in a row build equity to €172,223.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €100,000Eq €132,059 ▲120%
2 profitable years in a row build equity to €132,059.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Destelbergen · 1 establishment unit since 2019
Ground area
719 m²
Building footprint
135 m²
Parcel 44333G0269/00L000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
VERUMAT
since 20192.289.678.862
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44333G0269/00L000 | Flanders | 719 m² | 1 · 135 m² | - |
Linked by address, not proof of ownership
Good to know
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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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 11,564 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0727605314
Also
9925:BE0727605314
Registered
04-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.