Verwey
ActiveThe computed 12-month bankruptcy probability of Verwey is 1.7% (moderate). The 2025 annual accounts show equity of €304k and a net result of €48k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 27319 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.58 against 5.67 in 2024), and 30.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
69.9%
Return on assets
11%
Age of the figures
8 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 29-08-2026, 29 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 · 7 filingsDeviation from the deadline
2025
29 d late
2024
28 d late
2023
29 d late
2022
31 d late
2021
60 d late
2020
60 d late
2019
122 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€304k▲ 6.6%
2024 · €285k
2019: €24k
2020: €53k
2021: €95k
2022: €172k
2023: €230k
2024: €285k
2019 → 2025
Total assets
€435k▲ 20.3%
2024 · €361k
2019: €64k
2020: €96k
2021: €136k
2022: €294k
2023: €328k
2024: €361k
2019 → 2025
Net result
€48k▼ 29.5%
2024 · €68k
2019: €14k
2020: €29k
2021: €41k
2022: €78k
2023: €58k
2024: €68k
2019 → 2025
Working capital
€216k▲ 3.1%
2024 · €210k
2019: €5k
2020: €16k
2021: €43k
2022: €102k
2023: €156k
2024: €210k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€172k▲ 82.1%€230k▲ 33.8%€285k▲ 23.8%€304k▲ 6.6%
Operating result€59k-€106k▲ 77.9%€82k▼ 22.1%€97k▲ 17.8%€70k▼ 27.6%
Net result€41k-€78k▲ 89.1%€58k▼ 25.1%€68k▲ 16.8%€48k▼ 29.5%
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 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €435k
Fixed assets
€134k▲ 26.3%
Current assets
€300k▲ 17.8%
Equity and liabilities €435k
Equity
€304k▲ 6.6%
Debt
€131k▲ 71.5%
The debt ratio rises from 21.1% to 30.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€102k▼
2024 · €119k
Cash flow
€79k▼
2024 · €90k
Solvency
69.9%▼
2024 · 78.9%
Current ratio
3.58▼
2024 · 5.67
Quick ratio
3.58▼
2024 · 5.67
Debt / equity
0.43▲
2024 · 0.27
ROE
15.8%▼
2024 · 23.8%
ROA
11.0%▼
2024 · 18.8%
Interest coverage
43.63▼
2024 · 79.11
Debt
€131k▲
2024 · €76k
Debt ≤ 1 year
€84k▲
2024 · €45k
Debt > 1 year
€47k▲
2024 · €31k
Income taxes
€20k▼
2024 · €27k
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€361k€435k▲
Fixed assets21/28€106k€134k▲
Tangible fixed assets22/27€106k€134k▲
Land and buildings22€38k€45k▲
Plant, machinery and equipment23€7k€9k▲
Furniture and vehicles24€47k€69k▲
Other tangible fixed assets26€14k€11k▼
Current assets29/58€255k€300k▲
Amounts receivable after more than one year29€50k€50k=
Other amounts receivable291€50k€50k=
Amounts receivable within one year40/41€60k€81k▲
Trade receivables40€7k€6k▼
Other amounts receivable41€53k€75k▲
Cash at bank and in hand54/58€127k€157k▲
Deferred charges and accrued income490/1€19k€12k▼
Equity and liabilities
Total equity and liabilities10/49€361k€435k▲
Equity10/15€285k€304k▲
Contributions10/11€10k€10k=
Reserves13€273k€292k▲
Distributable reserves133€273k€292k▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€76k€131k▲
Amounts payable after more than one year17€31k€47k▲
Financial debts170/4€31k€47k▲
Amounts payable within one year42/48€45k€84k▲
Current portion of amounts payable after more than one year42€15k€24k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Advances received on contracts in progress46-€11k
Taxes, remuneration and social security45€16k€18k▲
Taxes450/3€16k€18k▲
Other amounts payable47/48€13k€29k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€31k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€128k€108k▼
Operating profit (loss)9901€97k€70k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€95k€68k▼
Income taxes67/77€27k€20k▼
Profit (loss) for the period9904€68k€48k▼
Profit (loss) for the period to be appropriated9905€68k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€50k▼
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer from equity791/2€13k€29k▲
Transfer to equity691/2€68k€48k▼
To other reserves6921€68k€48k▼
Profit to be distributed694/7€13k€29k▲
Return on contributions (dividend)694€13k€29k▲
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €200kEq €230k ▲33.8%
5 profitable years in a row build equity to €230k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2019net €78k ▲89.1%
Operating result €106k, net result €78k, both a record.
31-12
Financial
Equity above €150kEq €172k ▲82.1%
4 profitable years in a row build equity to €172k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 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, Buggenhout · 1 establishment unit since 2019
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.
Heideveld 329255 BuggenhoutGround area
248 m²
Building footprint
87 m²
Volume, LiDAR
592 m³
Parcel 42004A0626/00P003, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Verwey
since 20192.291.071.605
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004A0626/00P003 | Flanders | 248 m² | 1 · 87 m² | 10.2 m · 2 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.
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BE 0688.936.461
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SOGREBO
BE 0457.467.242
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OBJECTIIV
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VICTOR IMMO INVEST
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Of 15,437 companies in sector 43990 we hold annual accounts for 7,356. 5,312 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2019
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43120Site preparation
43350Other building finishing work
88101Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.