VERVLOESSEM
ActiveVERVLOESSEM has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191k and a net result of €2k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-13
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 16.48 against 8.35 in 2024; short-term debt: 5.3% and cash: 20.1% of total assets), and 17.1% 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 · 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 · 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
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
82.9%
Return on assets
0.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
31 d late
2022
22 d late
2021
31 d late
2020
25 d late
2019
91 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€191k▼ 14.8%
2024 · €224k
2018: €265k
2019: €270k
2020: €279k
2021: €249k
2022: €249k
2023: €249k
2024: €224k
2018 → 2025
Total assets
€230k▼ 8.6%
2024 · €252k
2018: €1.14M
2019: €272k
2020: €285k
2021: €270k
2022: €266k
2023: €259k
2024: €252k
2018 → 2025
Net result
€2k▼ 31.1%
2024 · €3k
2018: €419
2019: €5k
2020: €9k
2021: €784
2022: €83
2023: €418
2024: €3k
2018 → 2025
Working capital
€188k▼ 2.0%
2024 · €192k
2018: €261k
2019: €265k
2020: €275k
2021: €244k
2022: €245k
2023: €243k
2024: €192k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€249k-€249k=€249k▲ 0.2%€224k▼ 10.3%€191k▼ 14.8%
Operating result€-101-€3k€1k▼ 47.5%€7k▲ 396%€4k▼ 44.5%
Net result€784-€83▼ 89.5%€418▲ 405%€3k▲ 654%€2k▼ 31.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€30k▼ 11.5%
Current assets
€200k▼ 8.2%
Equity and liabilities €230k
Equity
€191k▼ 14.8%
Debt
€39k▲ 39.9%
The debt ratio rises from 11.2% to 17.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €15k
Cash flow
€11k▲
2024 · €10k
Solvency
82.9%▼
2024 · 88.8%
Current ratio
16.48▲
2024 · 8.35
Quick ratio
15.19▲
2024 · 8.18
Debt / equity
0.21▲
2024 · 0.13
ROE
1.1%▼
2024 · 1.4%
ROA
0.9%▼
2024 · 1.3%
Interest coverage
4.44▼
2024 · 7.49
Debt
€39k▲
2024 · €28k
Debt ≤ 1 year
€12k▼
2024 · €26k
Income taxes
€2k▼
2024 · €2k
Staff costs
€82k▼
2024 · €90k
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€252k€230k▼
Fixed assets21/28€34k€30k▼
Tangible fixed assets22/27€33k€29k▼
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€32k€24k▼
Financial fixed assets28€892€892=
Current assets29/58€218k€200k▼
Stocks and contracts in progress3€5k€16k▲
Stocks30/36€5k€4k▼
Contracts in progress37-€11k
Amounts receivable within one year40/41€104k€72k▼
Trade receivables40€101k€71k▼
Other amounts receivable41€3k€922▼
Current investments50/53€102k€66k▼
Cash at bank and in hand54/58€7k€46k▲
Equity and liabilities
Total equity and liabilities10/49€252k€230k▼
Equity10/15€224k€191k▼
Contributions10/11€64k€64k=
Capital10€64k€64k=
Issued capital100€64k€64k=
Reserves13€160k€127k▼
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Tax-exempt reserves132€56k€56k=
Distributable reserves133€91k€58k▼
Amounts payable17/49€28k€39k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€26k€12k▼
Current portion of amounts payable after more than one year42€13k€2k▼
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€186-
Accrued charges and deferred income492/3-€27k
Income statement
Code20242025
Non-recurring operating income76A€4k-
Remuneration, social security and pensions62€90k€82k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€106k€96k▼
Operating profit (loss)9901€7k€4k▼
Financial income75/76B€280€3k▲
Recurring financial income75€280€3k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€6k€5k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€2k▼
Transfer from equity791/2€29k€35k▲
Transfer to equity691/2€3k€2k▼
To other reserves6921€3k€2k▼
Profit to be distributed694/7€29k€35k▲
Return on contributions (dividend)694€29k€35k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €83 ▼89.5%
Net result drops to €83, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Highest result since 2018net €9k ▲71.6%
Net result €9k, the highest in the series.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity times 133current ratio 172.55
Current ratio from 1.30 to 172.55; short-term debt falls from €880k to €2k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Herselt · 1 establishment unit since 1995
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.
Hamerstraat(RAM) 392230 HerseltGround area
9,636 m²
Building footprint
636 m²
Volume, LiDAR
2,863 m³
Parcel 13034H0105/00H000, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VERVLOESSEM
since 19952.072.216.047
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13034H0105/00H000 | Flanders | 9,636 m² | 1 · 636 m² | 8.1 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.
Recognitions · licences · registrations
Recognised contractor
5 categoriesVERVLOESSEM NV26573
Legal Entity Identifier
699400QNICCIJ7XAMB49
Similar companies · same sector, comparable size
VANHERPE & DE BOCK
BE 0891.865.312
Oudenaarde · Eq €191k
BATHROOM HEAVEN BY MORLITERM
BE 1003.859.928
Veurne · Eq €190k
DABO
BE 0479.438.930
Bocholt · Eq €190k
HYDROLICO EXPERT CHAUFFAGE
BE 0772.623.212
Sint-Agatha-Berchem · Eq €191k
Multiservice Nick
BE 0763.725.540
Knokke-Heist · Eq €190k
Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 2,906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-06-1995
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
45332
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.