Verva Bikes
ActiveThe computed 12-month bankruptcy probability of Verva Bikes is 1.7% (moderate). The 2025 annual accounts show equity of €227k and a net result of €57k. Its solvency ranks better than 57% of 18237 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency67▲+2
Growth52
Track record82
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity ample (current ratio 1.65 against 1.66 in 2024; short-term debt: 58% and cash: 7.4% of total assets), but 58% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
42%
Return on assets
10.6%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
27 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€227k▲ 33.6%
2024 · €170k
2024: €170k
2024 → 2025
Total assets
€540k▲ 28.7%
2024 · €420k
2024: €420k
2024 → 2025
Net result
€57k▼ 63.1%
2024 · €155k
2024: €155k
2024 → 2025
Working capital
€205k▲ 23.9%
2024 · €166k
2024: €166k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€170k-€227k▲ 33.6%
Operating result€210k-€113k▼ 46.0%
Net result€155k-€57k▼ 63.1%
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 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €540k
Fixed assets
€22k▲ 432%
Current assets
€518k▲ 24.7%
Equity and liabilities €540k
Equity
€227k▲ 33.6%
Debt
€313k▲ 25.3%
The debt ratio falls from 59.6% to 58.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€117k▼
2024 · €213k
Cash flow
€60k▼
2024 · €157k
Solvency
42.0%▲
2024 · 40.4%
Current ratio
1.65▼
2024 · 1.66
Quick ratio
0.31▲
2024 · 0.22
Debt / equity
1.38▼
2024 · 1.47
ROE
25.2%▼
2024 · 91.2%
ROA
10.6%▼
2024 · 36.9%
Interest coverage
8.59▼
2024 · 52.03
Debt
€313k▲
2024 · €250k
Debt ≤ 1 year
€313k▲
2024 · €250k
Income taxes
€52k▼
2024 · €53k
Staff costs
€184k▲
2024 · €92k
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€420k€540k▲
Fixed assets21/28€4k€22k▲
Tangible fixed assets22/27€4k€22k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24-€14k
Other tangible fixed assets26-€5k
Current assets29/58€416k€518k▲
Stocks and contracts in progress3€360k€423k▲
Stocks30/36€360k€423k▲
Amounts receivable within one year40/41€36k€50k▲
Trade receivables40€36k€17k▼
Other amounts receivable41-€33k
Cash at bank and in hand54/58€17k€40k▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€420k€540k▲
Equity10/15€170k€227k▲
Contributions10/11€15k€15k=
Reserves13€155k€212k▲
Distributable reserves133€155k€212k▲
Amounts payable17/49€250k€313k▲
Amounts payable within one year42/48€250k€313k▲
Current portion of amounts payable after more than one year42€40k€0▼
Financial debts43-€155k
Credit institutions430/8-€155k
Trade debts44€99k€76k▼
Suppliers440/4€99k€76k▼
Advances received on contracts in progress46€5k€12k▲
Taxes, remuneration and social security45€79k€70k▼
Taxes450/3€65k€45k▼
Remuneration and social security454/9€14k€25k▲
Other amounts payable47/48€27k€0▼
Accrued charges and deferred income492/3-€17
Income statement
Code20242025
Remuneration, social security and pensions62€92k€184k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€2k€84k▲
Gross operating margin9900€306k€385k▲
Operating profit (loss)9901€210k€113k▼
Financial income75/76B€2k€9k▲
Recurring financial income75€2k€9k▲
Financial charges65/66B€4k€14k▲
Recurring financial charges65€4k€14k▲
Profit (loss) for the period before taxes9903€208k€109k▼
Income taxes67/77€53k€52k▼
Profit (loss) for the period9904€155k€57k▼
Profit (loss) for the period to be appropriated9905€155k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€155k€57k▼
Transfer to equity691/2€155k€57k▼
To other reserves6921€155k€57k▼
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €227k ▲33.6%
2 profitable years in a row build equity to €227k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
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, Mortsel · 1 establishment unit since 2024
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.
Edegemsestraat 1092640 MortselGround area
487 m²
Building footprint
170 m²
Volume, LiDAR
1,414 m³
Parcel 11513C0127/00B012, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Verva Bikes
since 20242.359.837.675
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0127/00B012 | Flanders | 487 m² | 1 · 170 m² | 9.8 m · 3 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
Legal Entity Identifier
6488827BD6DGY514WD58
Similar companies · same sector, comparable size
HERMES RIJWIELEN
BE 0479.107.150
Mortsel · Eq €227k
VELOVILLE
BE 0759.668.069
Mechelen · Eq €227k
Beno Trading
BE 0833.336.403
Antwerpen · Eq €229k
Labiecyclette
BE 0663.861.070
Lummen · Eq €230k
VAN DE VELDE - FIETSEN
BE 0464.975.636
Duffel · Eq €230k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 637 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2024
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
47120Other non-specialised retail sale
47910Retail trade
77210Renting and leasing of sports and recreation goods
82990Other business support services
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.