VER & CO
ActiveVER & CO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €-2k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 8592 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
20
/ 100
Critical▼ -24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-13
Solvency11=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.53 against 0.52 in 2024), and 85.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
14.9%
Return on assets
-1.3%
Age of the figures
9 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8592 sector peers (2025).
NBB · sector comparisonPosition among 8592 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d late
2022
17 d late
2021
31 d late
2020
23 d late
2019
25 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k
2024 · €554
2018: €3k
2019: €3k
2020: €4k
2021: €4k
2022: €-818
2023: €-4k
2024: €554
2018 → 2025
Working capital
€-13k▼ 28.5%
2024 · €-10k
2018: €-3k
2019: €-2k
2020: €785
2021: €-1k
2022: €-3k
2023: €-9k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€24k▼ 3.2%€20k▼ 16.5%€21k▲ 2.7%€19k▼ 8.2%
Operating result€11k-€6k▼ 48.1%€3k▼ 53.9%€7k▲ 168%€7k=
Net result€4k-€-818€-4k▼ 393%€554€-2k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129k
Fixed assets
€114k▼ 4.0%
Current assets
€15k▲ 36.9%
Equity and liabilities €129k
Equity
€19k▼ 8.2%
Debt
€110k▲ 1.0%
The debt ratio rises from 83.9% to 85.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€12k=
2024 · €12k
Cash flow
€3k▼
2024 · €5k
Solvency
14.9%▼
2024 · 16.1%
Current ratio
0.53▲
2024 · 0.52
Quick ratio
0.53▲
2024 · 0.52
Debt / equity
5.71▲
2024 · 5.19
ROE
-8.9%▼
2024 · 2.7%
ROA
-1.3%▼
2024 · 0.4%
Interest coverage
3.46▼
2024 · 4.21
Debt
€110k▲
2024 · €109k
Debt ≤ 1 year
€29k▲
2024 · €22k
Debt > 1 year
€80k▼
2024 · €87k
Income taxes
€6k▲
2024 · €4k
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€129k€129k▼
Fixed assets21/28€118k€114k▼
Tangible fixed assets22/27€118k€114k▼
Land and buildings22€118k€114k▼
Current assets29/58€11k€15k▲
Amounts receivable within one year40/41€2k€13k▲
Trade receivables40€2k€13k▲
Cash at bank and in hand54/58€7k€94▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€129k€129k▼
Equity10/15€21k€19k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€13k€11k▼
Amounts payable17/49€109k€110k▲
Amounts payable after more than one year17€87k€80k▼
Financial debts170/4€87k€80k▼
Amounts payable within one year42/48€22k€29k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€8k€10k▲
Other amounts payable47/48€5k€8k▲
Accrued charges and deferred income492/3€315€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€14k€14k▲
Operating profit (loss)9901€7k€7k=
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€4k€4k▼
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€554€-2k▼
Profit (loss) for the period to be appropriated9905€554€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€11k▼
Profit (loss) brought forward from the previous period14P€12k€13k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Back to profitnet €554
Net result €554 after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 17 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €4k ▲10.6%
Operating result €11k, net result €4k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB 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, Perwez · 1 establishment unit 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.
Rue de Cochige 251360 Perwez1 establishment unit
VER & Co
since 20132.219.815.504
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 30,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-04-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.