KATRIEN VERSPEETEN BV
ActiveKATRIEN VERSPEETEN BV has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253k and a net result of €14k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 86% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-15
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 15.47 against 17.2 in 2024; short-term debt: 5.7% and cash: 47.5% of total assets), and 11.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
88.6%
Return on assets
4.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
21 d early
2023
41 d early
2022
26 d early
2021
9 d early
2020
7 d early
2019
28 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€253k▲ 5.7%
2024 · €239k
2018: €76k
2019: €129k
2020: €77k
2021: €242k
2022: €193k
2023: €192k
2024: €239k
2018 → 2025
Total assets
€285k▲ 3.4%
2024 · €276k
2018: €108k
2019: €174k
2020: €176k
2021: €266k
2022: €205k
2023: €231k
2024: €276k
2018 → 2025
Net result
€14k▼ 71.4%
2024 · €48k
2018: €266
2019: €53k
2020: €48k
2021: €180k
2022: €-13k
2023: €-1k
2024: €48k
2018 → 2025
Working capital
€235k▲ 7.7%
2024 · €218k
2018: €67k
2019: €105k
2020: €57k
2021: €229k
2022: €191k
2023: €165k
2024: €218k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€242k-€193k▼ 20.3%€192k▼ 0.7%€239k▲ 24.8%€253k▲ 5.7%
Operating result€255k-€-9k€2k€61k▲ 3,571%€19k▼ 69.2%
Net result€180k-€-13k€-1k▲ 89.9%€48k€14k▼ 71.4%
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 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€34k▼ 22.7%
Current assets
€251k▲ 8.4%
Equity and liabilities €285k
Equity
€253k▲ 5.7%
Debt
€33k▼ 11.5%
The debt ratio falls from 13.3% to 11.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▼
2024 · €73k
Cash flow
€26k▼
2024 · €59k
Solvency
88.6%▲
2024 · 86.7%
Current ratio
15.47▼
2024 · 17.20
Quick ratio
15.47▼
2024 · 17.20
Debt / equity
0.13▼
2024 · 0.15
ROE
5.4%▼
2024 · 19.9%
ROA
4.8%▼
2024 · 17.2%
Interest coverage
21.88▼
2024 · 47.71
Debt
€33k▼
2024 · €37k
Debt ≤ 1 year
€16k▲
2024 · €13k
Debt > 1 year
€16k▼
2024 · €23k
Income taxes
€4k▼
2024 · €12k
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€276k€285k▲
Fixed assets21/28€45k€34k▼
Tangible fixed assets22/27€44k€34k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24-€2k
Leasing and similar rights25€41k€30k▼
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€340€340=
Current assets29/58€232k€251k▲
Amounts receivable after more than one year29-€80k
Other amounts receivable291-€80k
Amounts receivable within one year40/41€101k€34k▼
Trade receivables40€31k€31k=
Other amounts receivable41€71k€3k▼
Cash at bank and in hand54/58€130k€136k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€276k€285k▲
Equity10/15€239k€253k▲
Reserves13€186k€186k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€180k€180k=
Profit (loss) carried forward14€54k€67k▲
Amounts payable17/49€37k€33k▼
Amounts payable after more than one year17€23k€16k▼
Financial debts170/4€23k€16k▼
Amounts payable within one year42/48€13k€16k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44-€486
Suppliers440/4-€486
Taxes, remuneration and social security45€7k€7k=
Taxes450/3€7k€7k=
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€78k€33k▼
Operating profit (loss)9901€61k€19k▼
Financial income75/76B€78€222▲
Recurring financial income75€78€222▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€60k€18k▼
Income taxes67/77€12k€4k▼
Profit (loss) for the period9904€48k€14k▼
Profit (loss) for the period to be appropriated9905€48k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€67k▲
Profit (loss) brought forward from the previous period14P€6k€54k▲
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €48k
Net result €48k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €239k ▲24.8%
Equity rises from €192k to €239k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-13k ▼107%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €180k ▲273%
Operating result €255k, net result €180k, both a record.
31-12
Financial
Liquidity times 6current ratio 10.54
Current ratio from 1.67 to 10.54; short-term debt falls from €85k to €24k.
31-12
Financial
Equity above €200kEq €242k ▲215%
4 profitable years in a row build equity to €242k.
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €129k ▲69.5%
2 profitable years in a row build equity to €129k.
02-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 33 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Geraardsbergen · 1 establishment unit since 2006
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.
Gemeentestraat(Goe) 249500 GeraardsbergenGround area
1,592 m²
Building footprint
187 m²
Volume, LiDAR
1,137 m³
Parcel 41021A0340/00N000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA Katrien Verspeeten
since 20062.157.895.553
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41021A0340/00N000 | Flanders | 1,592 m² | 1 · 187 m² | 8.7 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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HOP & THINK
BE 0836.989.244
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OMBI Consulting Services
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SCARAMO
BE 0886.755.885
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H.H. CONSULTANCY
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.