VERUTO
ActiveSummary
VERUTO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.5% per year). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-2
Solvency35▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.01 in 2024; short-term debt: 68.7% and cash: 0.8% of total assets), and 89.5% of the assets are financed with debt.
Credit check 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 · 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
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 2025Solvency, return and age of the figures
Solvency
10.5%
Return on assets
-0.7%
Age of the figures
9 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
27 d late
2022
28 d late
2021
1 d early
2020
18 d early
2019
14 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-5k
2024 · €801
2018: €947
2019: €840
2020: €2k
2021: €1k
2022: €1k
2023: €1k
2024: €801
2018 → 2025
Working capital
€-483k=
2024 · €-483k
2018: €-366k
2019: €-384k
2020: €-412k
2021: €-430k
2022: €-448k
2023: €-465k
2024: €-483k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€78k▲ 1.9%€80k▲ 1.4%€80k▲ 1.0%€76k▼ 5.8%
Operating result€5k-€5k▲ 14.4%€5k▼ 1.0%€5k▼ 0.2%€4k▼ 19.0%
Net result€1k-€1k▲ 25.4%€1k▼ 23.2%€801▼ 28.8%€-5k
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 19% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €720k
Fixed assets
€709k =
Current assets
€12k ▲ 88.5%
Equity and liabilities €720k
Equity
€76k ▼ 5.8%
Debt
€645k ▲ 1.6%
Debt's share of the balance-sheet total rises from 88.8% to 89.5%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.02▲
2024 · 0.01
Debt to equity
8.52▲
2024 · 7.90
ROE
-6.2%▼
2024 · 1.0%
ROA
-0.7%▼
2024 · 0.1%
Debt ≤ 1 year
€495k▲
2024 · €490k
Debt > 1 year
€141k=
2024 · €141k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€715k€720k▲
Fixed assets21/28€709k€709k=
Financial fixed assets28€709k€709k=
Current assets29/58€6k€12k▲
Amounts receivable within one year40/41€6k€6k=
Other amounts receivable41€6k€6k=
Cash at bank and in hand54/58€250€6k▲
Equity and liabilities
Total equity and liabilities10/49€715k€720k▲
Equity10/15€80k€76k▼
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€75k€75k=
Uncalled capital101€13k€13k=
Reserves13€18k€13k▼
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€10k€6k▼
Amounts payable17/49€635k€645k▲
Amounts payable after more than one year17€141k€141k=
Financial debts170/4€141k€141k=
Amounts payable within one year42/48€490k€495k▲
Taxes, remuneration and social security45€300-
Taxes450/3€300-
Other amounts payable47/48€489k€495k▲
Accrued charges and deferred income492/3€4k€9k▲
Income statement
Code20242025
Other operating charges640/8€620€1k▲
Gross operating margin9900€6k€6k▼
Operating profit (loss)9901€5k€4k▼
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Non-recurring financial charges66B-€7
Profit (loss) for the period before taxes9903€1k€-5k▼
Income taxes67/77€326-
Profit (loss) for the period9904€801€-5k▼
Profit (loss) for the period to be appropriated9905€801€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€801€-5k▼
Transfer from equity791/2-€5k
Transfer to equity691/2€801-
To other reserves6921€801-
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €2k ▲93%
Net result €2k, the highest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Mechelen · 1 establishment unit since 2005
Ground area
812 m²
Building footprint
446 m²
Volume, LiDAR
3,513 m³
2 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Veruto
since 20052.149.968.772
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0188/00G002 | Flanders | 474 m² | 1 · 289 m² | 12.7 m · 3 fl. |
| 12403E0190/00E003 | Flanders | 338 m² | 1 · 157 m² | 9.5 m · 2 fl. |
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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-10-2005
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.