VERBA
ActiveVERBA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €93k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency57▼-43
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 4.28 in 2024; short-term debt: 67.9% and cash: 57.3% of total assets), and 67.9% 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
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 · 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
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
32.1%
Return on assets
33.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
5 d early
2022
on the day
2021
31 d early
2020
30 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▼ 38.9%
2024 · €146k
2020: €69k
2021: €163k
2022: €283k
2023: €364k
2024: €146k
2020 → 2025
Total assets
€278k▲ 47.0%
2024 · €189k
2020: €111k
2021: €208k
2022: €344k
2023: €406k
2024: €189k
2020 → 2025
Net result
€93k▼ 10.7%
2024 · €104k
2020: €68k
2021: €94k
2022: €120k
2023: €81k
2024: €104k
2020 → 2025
Working capital
€86k▼ 39.1%
2024 · €141k
2020: €66k
2021: €161k
2022: €280k
2023: €359k
2024: €141k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€163k-€283k▲ 73.5%€364k▲ 28.6%€146k▼ 59.8%€89k▼ 38.9%
Operating result€121k-€158k▲ 30.5%€110k▼ 30.2%€142k▲ 28.7%€128k▼ 9.6%
Net result€94k-€120k▲ 27.7%€81k▼ 32.5%€104k▲ 28.8%€93k▼ 10.7%
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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€3k▼ 33.5%
Current assets
€275k▲ 49.3%
Equity and liabilities €278k
Equity
€89k▼ 38.9%
Debt
€189k▲ 339%
The debt ratio rises from 22.7% to 67.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€130k▼
2024 · €143k
Cash flow
€95k▼
2024 · €106k
Solvency
32.1%▼
2024 · 77.3%
Current ratio
1.46▼
2024 · 4.28
Quick ratio
1.46▼
2024 · 4.28
Debt / equity
2.11▲
2024 · 0.29
ROE
104.3%▲
2024 · 71.3%
ROA
33.5%▼
2024 · 55.1%
Interest coverage
18.46▼
2024 · 23.10
Debt
€189k▲
2024 · €43k
Debt ≤ 1 year
€189k▲
2024 · €43k
Income taxes
€29k▼
2024 · €35k
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€189k€278k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€5k€3k▼
Current assets29/58€184k€275k▲
Amounts receivable after more than one year29€0€110k▲
Other amounts receivable291€0€110k▲
Amounts receivable within one year40/41€38k€651▼
Trade receivables40€21k€0▼
Other amounts receivable41€17k€651▼
Cash at bank and in hand54/58€141k€159k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€189k€278k▲
Equity10/15€146k€89k▼
Contributions10/11€1k€1k=
Reserves13€145k€88k▼
Distributable reserves133€145k€88k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€43k€189k▲
Amounts payable within one year42/48€43k€189k▲
Current portion of amounts payable after more than one year42€9k€7k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€25k€52k▲
Taxes450/3€25k€52k▲
Other amounts payable47/48€5k€128k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€1k€914▼
Gross operating margin9900€145k€131k▼
Operating profit (loss)9901€142k€128k▼
Financial income75/76B€4k€1k▼
Recurring financial income75€4k€1k▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€139k€123k▼
Income taxes67/77€35k€29k▼
Profit (loss) for the period9904€104k€93k▼
Profit (loss) for the period to be appropriated9905€104k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€93k▼
Transfer from equity791/2€322k€57k▼
Transfer to equity691/2€104k€0▼
To other reserves6921€104k€0▼
Profit to be distributed694/7€322k€150k▼
Return on contributions (dividend)694€322k€150k▼
The notes to these accounts (13 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €120k ▲27.7%
Operating result €158k, net result €120k, both a record.
31-12
Financial
Equity above €200kEq €283k ▲73.5%
3 profitable years in a row build equity to €283k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €163k ▲136%
2 profitable years in a row build equity to €163k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 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, Brasschaat · 1 establishment unit since 2020
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.
De Heuvels 24B2930 BrasschaatGround area
1,174 m²
Building footprint
286 m²
Volume, LiDAR
1,538 m³
Parcel 11324D0473/00Y002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERBA
since 20202.303.109.008
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11324D0473/00Y002 | Flanders | 1,174 m² | 1 · 286 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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ACEng
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MEDICAL CONSULTANCY XI
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OLIMPIA
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,423 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.