ACCOUNTANCY VERBEKE
ActiveSummary
ACCOUNTANCY VERBEKE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €30k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-1
Solvency95▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 3.12 in 2024; short-term debt: 30.2% and cash: 11.1% of total assets), and 30.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
69.8%
Return on assets
12.5%
Age of the figures
15 mo
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
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 17-01-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
2 d early
2023
1 d early
2022
1 d early
2021
47 d early
2020
1 d late
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▼ 13.1%
2024 · €192k
2019: €122k
2020: €148k
2021: €178k
2022: €178k
2023: €194k
2024: €192k
2019 → 2025
Total assets
€239k▼ 2.6%
2024 · €246k
2019: €152k
2020: €187k
2021: €206k
2022: €237k
2023: €240k
2024: €246k
2019 → 2025
Net result
€30k▼ 9.2%
2024 · €33k
2019: €35k
2020: €25k
2021: €30k
2022: €44k
2023: €40k
2024: €33k
2019 → 2025
Working capital
€89k▼ 21.4%
2024 · €114k
2019: €94k
2020: €126k
2021: €121k
2022: €112k
2023: €114k
2024: €114k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€178k▲ 0.1%€194k▲ 8.8%€192k▼ 0.9%€167k▼ 13.1%
Operating result€41k-€58k▲ 39.5%€56k▼ 2.3%€45k▼ 19.8%€43k▼ 5.1%
Net result€30k-€44k▲ 44.9%€40k▼ 9.2%€33k▼ 17.2%€30k▼ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets
€78k ▼ 1.0%
Current assets
€162k ▼ 3.3%
Equity and liabilities €239k
Equity
€167k ▼ 13.1%
Debt
€72k ▲ 35.1%
Debt's share of the balance-sheet total rises from 21.8% to 30.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€60k▼
2024 · €65k
Cash flow
€47k▼
2024 · €53k
Current ratio
2.23▼
2024 · 3.12
Debt to equity
0.43▲
2024 · 0.28
ROE
17.9%▲
2024 · 17.1%
ROA
12.5%▼
2024 · 13.4%
Interest coverage
65.04▲
2024 · 42.14
Debt ≤ 1 year
€72k▲
2024 · €54k
Income taxes
€12k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€246k€239k▼
Fixed assets21/28€78k€78k▼
Tangible fixed assets22/27€78k€78k▼
Plant, machinery and equipment23€20k€26k▲
Furniture and vehicles24€19k€19k▲
Other tangible fixed assets26€40k€33k▼
Current assets29/58€167k€162k▼
Amounts receivable within one year40/41€34k€33k▼
Trade receivables40€32k€33k▲
Other amounts receivable41€2k€340▼
Current investments50/53€92k€92k=
Cash at bank and in hand54/58€37k€27k▼
Deferred charges and accrued income490/1€5k€10k▲
Equity and liabilities
Total equity and liabilities10/49€246k€239k▼
Equity10/15€192k€167k▼
Contributions10/11€19k€19k=
Reserves13€173k€147k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€171k€146k▼
Profit (loss) carried forward14€933€963▲
Amounts payable17/49€54k€72k▲
Amounts payable within one year42/48€54k€72k▲
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45€15k€15k▲
Taxes450/3€15k€15k▲
Other amounts payable47/48€36k€57k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€17k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€67k€62k▼
Operating profit (loss)9901€45k€43k▼
Financial income75/76B€134€147▲
Recurring financial income75€134€147▲
Financial charges65/66B€2k€920▼
Recurring financial charges65€2k€920▼
Profit (loss) for the period before taxes9903€44k€42k▼
Income taxes67/77€11k€12k▲
Profit (loss) for the period9904€33k€30k▼
Profit (loss) for the period to be appropriated9905€33k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€31k▼
Profit (loss) brought forward from the previous period14P€881€933▲
Transfer from equity791/2€35k€55k▲
Transfer to equity691/2€33k€30k▼
To other reserves6921€33k€30k▼
Profit to be distributed694/7€35k€55k▲
Directors or managers695€35k€55k▲
The notes to these accounts (9 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
19-03
State Gazette act
General meeting · Net-asset statement
Dissolution · Liquidation closure
17-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €44k ▲44.9%
Operating result €58k, net result €44k, both a record.
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €150kEq €178k ▲20.4%
3 profitable years in a row build equity to €178k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Weakest financial yearnet €25k ▼27.2%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
15-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
25-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wervik · 2 establishment units since 2013
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.
Laagweg 1108940 WervikGround area
1,845 m²
Building footprint
390 m²
Volume, LiDAR
2,271 m³
2 parcels, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Laagweg 110, 8940 Wervik
since 20132.215.156.633
Accover
since 20142.238.345.076
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029B0404/00X000 | Flanders | 1,324 m² | 1 · 209 m² | 8.2 m · 2 fl. |
| 35023B0096/00F000 | Flanders | 521 m² | 1 · 181 m² | 12.3 m · 2 fl. |
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.
Similar companies · same sector, comparable size
ALTURA 6012
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FIDUSCOM
BE 0415.243.835
Juprelle · Eq €166,987
KMG AUXILIUM
BE 0715.804.867
Bilzen-Hoeselt · Eq €167,108
SEGECO
BE 0480.138.023
Philippeville · Eq €167,111
BBP & Partners
BE 0832.425.492
Keerbergen · Eq €167,147
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,499 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-12-2012
Fiscal year end30-06
Abbreviation NL
ACCOVER
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:tom@accover.eu