VERVIHOUT
ActiveThe computed 12-month bankruptcy probability of VERVIHOUT is 2.3% (moderate). The 2025 annual accounts show equity of €99k and a net result of €40k. Its solvency ranks better than 24% of 27619 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
Profitability80▼-20
Solvency47▼-21
Growth52
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.7 in 2024; short-term debt: 59.5% and cash: 29% of total assets), and 77.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
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
22.4%
Return on assets
9.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27619 sector peers (2025).
NBB · sector comparisonPosition among 27619 sector peers
Solvency
better than 24%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
30 d early
2024
22 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 69.6%
2024 · €58k
2024: €58k
2024 → 2025
Total assets
€441k▲ 229%
2024 · €134k
2024: €134k
2024 → 2025
Net result
€40k▼ 23.9%
2024 · €53k
2024: €53k
2024 → 2025
Working capital
€17k▼ 68.3%
2024 · €53k
2024: €53k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€58k-€99k▲ 69.6%
Operating result€70k-€56k▼ 20.0%
Net result€53k-€40k▼ 23.9%
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 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€161k▲ 3,108%
Current assets
€279k▲ 117%
Equity and liabilities €441k
Equity
€99k▲ 69.6%
Debt
€342k▲ 352%
The debt ratio rises from 56.6% to 77.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▼
2024 · €70k
Cash flow
€46k▼
2024 · €54k
Solvency
22.4%▼
2024 · 43.4%
Current ratio
1.06▼
2024 · 1.70
Quick ratio
0.90▼
2024 · 1.58
Debt / equity
3.47▲
2024 · 1.30
ROE
41.0%▼
2024 · 91.4%
ROA
9.2%▼
2024 · 39.7%
Interest coverage
18.50▼
2024 · 1721.20
Debt
€342k▲
2024 · €76k
Debt ≤ 1 year
€262k▲
2024 · €76k
Debt > 1 year
€80k
Income taxes
€15k▼
2024 · €18k
Staff costs
€950▲
2024 · €548
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€134k€441k▲
Fixed assets21/28€5k€161k▲
Tangible fixed assets22/27€5k€161k▲
Land and buildings22-€14k
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24-€144k
Current assets29/58€129k€279k▲
Stocks and contracts in progress3€9k€42k▲
Stocks30/36€9k€27k▲
Contracts in progress37-€15k
Amounts receivable within one year40/41€21k€108k▲
Trade receivables40€18k€95k▲
Other amounts receivable41€4k€13k▲
Cash at bank and in hand54/58€97k€128k▲
Deferred charges and accrued income490/1€952€1k▲
Equity and liabilities
Total equity and liabilities10/49€134k€441k▲
Equity10/15€58k€99k▲
Contributions10/11€5k€5k=
Reserves13€53k€94k▲
Distributable reserves133€53k€94k▲
Amounts payable17/49€76k€342k▲
Amounts payable after more than one year17-€80k
Financial debts170/4-€80k
Amounts payable within one year42/48€76k€262k▲
Current portion of amounts payable after more than one year42-€19k
Trade debts44€29k€180k▲
Suppliers440/4€29k€180k▲
Taxes, remuneration and social security45€8k€23k▲
Taxes450/3€8k€828▼
Remuneration and social security454/9-€22k
Other amounts payable47/48€39k€41k▲
Income statement
Code20242025
Remuneration, social security and pensions62€548€950▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€370€6k▲
Other operating charges640/8€470€3k▲
Gross operating margin9900€71k€66k▼
Operating profit (loss)9901€70k€56k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€41€3k▲
Recurring financial charges65€41€3k▲
Profit (loss) for the period before taxes9903€71k€55k▼
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€53k€40k▼
Profit (loss) for the period to be appropriated9905€53k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€40k▼
Transfer to equity691/2€53k€40k▼
To other reserves6921€53k€40k▼
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
NBB filing
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, Ieper · 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.
Rijselseweg 1418902 IeperGround area
635 m²
Building footprint
427 m²
Volume, LiDAR
2,061 m³
Parcel 33027C0107/00R000, Flanders · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VERVIHOUT
since 20242.360.117.589
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33027C0107/00R000 | Flanders | 635 m² | 1 · 427 m² | 9.4 m · 1 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
2024 to 2025 · 2 entries · 127 EUR awarded · 62 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 65 EUR | 0 EUR |
| 2024 | 1 | 62 EUR | 62 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 3,807 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2024
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
31002Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
31009Manufacture of furniture
31092Manufacture of furniture
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.