Verwerft & co
ActiveThe computed 12-month bankruptcy probability of Verwerft & co is 2.6% (moderate). The 2025 annual accounts show equity of €119k and a net result of €-32k. Equity is shrinking by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 13240 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▲+7
Solvency48▼-52
Growth22=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.81 against 9.47 in 2024; short-term debt: 13% and cash: 7.5% of total assets), but 77.1% 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.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
22.9%
Return on assets
-6.2%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-32k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
10 d early
2024
5 d early
2023
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€163k▲ 5.4%
2024 · €155k
2023: €394k
2024: €155k
2023 → 2025
EBIT margin
-16.8%▼ 1.1pp
2024 · -15.7%
2023: 20.5%
2024: -15.7%
2023 → 2025
Net result
€-32k▼ 31.2%
2024 · €-24k
2023: €58k
2024: €-24k
2023 → 2025
Working capital
€55k▼ 60.7%
2024 · €139k
2023: €170k
2024: €139k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€394k-€155k▼ 60.7%€163k▲ 5.4%
Equity€175k-€151k▼ 13.9%€119k▼ 21.2%
Operating result€81k-€-24k€-27k▼ 12.7%
Net result€58k-€-24k€-32k▼ 31.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27k in 2025 against €24k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €519k
Fixed assets
€397k▲ 3,335%
Current assets
€122k▼ 21.6%
Equity and liabilities €519k
Equity
€119k▼ 21.2%
Debt
€400k▲ 2,334%
The debt ratio rises from 9.8% to 77.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▲
2024 · €-21k
Cash flow
€-22k▼
2024 · €-21k
Solvency
22.9%▼
2024 · 90.2%
Current ratio
1.81▼
2024 · 9.47
Quick ratio
1.72▼
2024 · 9.47
Debt / equity
3.37▲
2024 · 0.11
ROE
-26.9%▼
2024 · -16.2%
ROA
-6.2%▲
2024 · -14.6%
Interest coverage
-3.82▲
2024 · -11.54
Debt
€400k▲
2024 · €16k
Debt ≤ 1 year
€67k▲
2024 · €16k
Debt > 1 year
€333k
Income taxes
€26▼
2024 · €187
Staff costs
€25k▼
2024 · €40k
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€167k€519k▲
Fixed assets21/28€12k€397k▲
Tangible fixed assets22/27€7k€392k▲
Land and buildings22-€19k
Plant, machinery and equipment23-€4k
Furniture and vehicles24-€5k
Other tangible fixed assets26€7k€364k▲
Financial fixed assets28€5k€5k=
Current assets29/58€156k€122k▼
Amounts receivable after more than one year29€107k€70k▼
Other amounts receivable291€107k€70k▼
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41€19k€5k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€16k€3k▼
Cash at bank and in hand54/58€24k€39k▲
Deferred charges and accrued income490/1€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€167k€519k▲
Equity10/15€151k€119k▼
Contributions10/11€1k€1k=
Reserves13€174k€174k=
Distributable reserves133€174k€174k=
Profit (loss) carried forward14€-24k€-56k▼
Amounts payable17/49€16k€400k▲
Amounts payable after more than one year17-€333k
Financial debts170/4-€333k
Amounts payable within one year42/48€16k€67k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€5k€35k▲
Suppliers440/4€5k€35k▲
Taxes, remuneration and social security45€4k€14k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€966€7k▲
Other amounts payable47/48€8k€7k▼
Income statement
Code20242025
Turnover70€155k€163k▲
Goods, raw materials, services and sundry goods60/61€155k€186k▲
Remuneration, social security and pensions62€40k€25k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€9k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€318€420▲
Gross operating margin9900€21k€10k▼
Operating profit (loss)9901€-24k€-27k▼
Financial income75/76B€2k€136▼
Recurring financial income75€2k€136▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€-24k€-32k▼
Income taxes67/77€187€26▼
Profit (loss) for the period9904€-24k€-32k▼
Profit (loss) for the period to be appropriated9905€-24k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-56k▼
Profit (loss) brought forward from the previous period14P€240€-24k▼
The notes to these accounts (13 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series.
26-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schoten · 2 establishment units since 2016
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.
August Jonckersstraat 922900 SchotenGround area
684 m²
Building footprint
214 m²
Volume, LiDAR
667 m³
2 parcels, Flanders · tallest building 14.2 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Verwerft & Co
since 20162.252.248.443
Café Breughel
since 20202.301.880.175
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0225/04R000 | Flanders | 462 m² | 1 · 105 m² | 10.3 m · 1 fl. |
| 11442C0031/00R004 | Flanders | 222 m² | 1 · 109 m² | 14.2 m |
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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,250 EUR awarded · 4,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,000 EUR | 3,000 EUR |
| 2023 | 1 | 1,250 EUR | 1,250 EUR |
Schemes
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchoten2.301.880.175
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2016
Fiscal year end30-06
Activities, NACEBEL
56301Cafés and bars
43110Demolition
43310Plastering work
43331Floor and wall tiling
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:wesley.verwerft@icloud.com
Phone:0497425243