de Verfmarkt

Active

Public limited companyfounded 1989active for 37 yearsSint Lenaartseweg 28, 2320 Hoogstraten, BelgiumKBO/BCE: BE 0436.982.723

Summary

de Verfmarkt has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €685,265 and a net result of €60,332. Equity is growing by about 7.1% per year across the filed financial years. Its solvency ranks better than 73% of 25,566 sector peers (NACE 47, financial year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow Report Compare

de VerfmarktActiveChecked score 57/100

Risk analysis Report Compare

Activity

Retail trade

NACE 47530

2 sites

Size

≈ €1.3mturnover 2024, estimated

Staff: 2.8 FTE
Equity: €685,265
Profit: €60,332

Turnover estimated from the gross margin

Financial health

57 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 0.2%

Structure

Franssen MariaDirector
Maria FransenManaging director
X.Y.Z.Managing director · permanent representative Stoffels Joannes

2025 accounts not filed, 89 days past the deadline2 of 7 deeds summarised

Why 57raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 30-07-2025)lowers riskFounded in 1989Liquidity: current ratio 2.42, cash €242,755Equity €685,265 (60.1% of total assets)Show the evidence

Checked score

Score 2024

57 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 68% of its sector peers (NACE 47, micro)

A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Strong

Solvency 85+5

equity 60.1% of total assets

Liquidity 73+10

short-term debt 15.8% · cash 21.3%

Profitability 75+1

return on assets 5.3%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,248 companies, NACE 47, micro)

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.2%▲ +0.1 percentage points vs 09-2026highest value

Credit of up to €35,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity ample (current ratio 2.42, compared with 2.18 in 2023, above the usual 1.5; short-term debt: 15.8% and cash: 21.3% of total assets), and 39.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 73% on solvency, 79% on liquidity, 62% on profitability and 60% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Figures for financial year 2024 (filed 30-07-2025)

NBB · annual accounts

Founded in 1989

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 2.42, cash €242,755

NBB · annual accounts

Equity €685,265 (60.1% of total assets)

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 89 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline28-10-2026 today

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

3 days early

2023

5 days early

2022

3 days early

2021

11 days early

2020

3 days early

2019

30 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 9 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

28-07-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Highest result from 2018 to 2024net €60,332 ▲25.2%
26-07-2024 Annual accounts filedfinancial year 2023 · abbreviated…

Key points

Positive: Among the best 5% on equitysector median €39,283 · 25,623 companies €685,265 View
Caution: 2025 accounts not fileddeadline was 31-07-2026 89 days past the deadline View
Positive: 7 profitable years in a rowprofit 2024: €60,332 7 years View

By topic

Financials

Financial year: 2024
Total assets: €1.1m
Profit: €60,332
Solvency: 60.1%

Total assets▲ 0.2%

Net result

20182024

Go to Financials

Board & ownership

Board: 3 members

Franssen MariaDirector
Maria FransenManaging director
X.Y.Z.Managing director

Go to Board & ownership

Timeline

Events: 41
Since: 1990

25-01-2024Resignation: X.Y.Z. (director)
27-12-2023Reappointments: Maria Fransen (director) and BV X.Y.Z…
28-07-2023Annual accounts filed

Go to Timeline

Company details

Sites: 2

Legal form: Public limited company
Activity: Retail tradeNACE 47530
Founded: 09-03-1989
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about de Verfmarkt

What is the company number of de Verfmarkt?: 0436.982.723. In Belgium the VAT number is the company number with BE in front: BE 0436.982.723.
Where is de Verfmarkt based?: The registered office is at Sint Lenaartseweg 28, 2320 Hoogstraten.Company details
What does de Verfmarkt do?: According to the KBO register, the main activity is retail trade (NACE 47530).
What is the legal form of de Verfmarkt?: Public limited company (NV).
When was de Verfmarkt founded?: On 09-03-1989.
Is de Verfmarkt still active?: Yes, de Verfmarkt is an active enterprise in the KBO register.
How many employees does de Verfmarkt have?: On average 2.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of de Verfmarkt?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is de Verfmarkt profitable?: In financial year 2024, de Verfmarkt made a profit of €60,332.
Where can I find the annual accounts of de Verfmarkt?: de Verfmarkt filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2024.