Vercammen Vittorio
ActiveVercammen Vittorio has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €35k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 13933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+43
Solvency77▼-20
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 7.7 in 2024), but 64.8% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
35.2%
Return on assets
9.2%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
3 d early
2024
31 d early
2023
33 d early
2022
31 d early
2021
5 d early
2020
31 d early
2019
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€132k▼ 62.9%
2024 · €356k
2019: €96k
2020: €177k
2021: €229k
2022: €277k
2023: €316k
2024: €356k
2019 → 2025
Total assets
€375k▼ 40.5%
2024 · €630k
2019: €146k
2020: €236k
2021: €584k
2022: €586k
2023: €609k
2024: €630k
2019 → 2025
Net result
€35k▼ 14.5%
2024 · €41k
2019: €89k
2020: €82k
2021: €52k
2022: €48k
2023: €26k
2024: €41k
2019 → 2025
Working capital
€77k▼ 75.6%
2024 · €315k
2019: €96k
2020: €177k
2021: €231k
2022: €263k
2023: €288k
2024: €315k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€229k-€277k▲ 21.0%€316k▲ 13.9%€356k▲ 12.8%€132k▼ 62.9%
Operating result€69k-€65k▼ 5.8%€37k▼ 42.9%€55k▲ 48.0%€50k▼ 8.6%
Net result€52k-€48k▼ 7.3%€26k▼ 45.9%€41k▲ 55.6%€35k▼ 14.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€261k▼ 2.7%
Current assets
€113k▼ 68.6%
Equity and liabilities €375k
Equity
€132k▼ 62.9%
Debt
€243k▼ 11.4%
The debt ratio rises from 43.5% to 64.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€57k▼
2024 · €62k
Cash flow
€42k▼
2024 · €48k
Solvency
35.2%▼
2024 · 56.5%
Current ratio
3.08▼
2024 · 7.70
Quick ratio
3.08▼
2024 · 7.70
Debt / equity
1.84▲
2024 · 0.77
ROE
26.2%▲
2024 · 11.4%
ROA
9.2%▲
2024 · 6.4%
Interest coverage
11.30▼
2024 · 20.50
Debt
€243k▼
2024 · €274k
Debt ≤ 1 year
€37k▼
2024 · €47k
Debt > 1 year
€206k▼
2024 · €227k
Income taxes
€10k▼
2024 · €11k
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€630k€375k▼
Fixed assets21/28€269k€261k▼
Tangible fixed assets22/27€269k€261k▼
Land and buildings22€267k€260k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€362k€113k▼
Amounts receivable within one year40/41€41k€58k▲
Trade receivables40€35k€54k▲
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58€321k€53k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€630k€375k▼
Equity10/15€356k€132k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€336k€112k▼
Amounts payable17/49€274k€243k▼
Amounts payable after more than one year17€227k€206k▼
Financial debts170/4€227k€206k▼
Amounts payable within one year42/48€47k€37k▼
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€22k€10k▼
Taxes450/3€22k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€3k€3k▼
Gross operating margin9900€65k€60k▼
Operating profit (loss)9901€55k€50k▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€52k€45k▼
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€41k€35k▼
Profit (loss) for the period to be appropriated9905€41k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€336k€370k▲
Profit (loss) brought forward from the previous period14P€295k€336k▲
Profit to be distributed694/7-€259k
Return on contributions (dividend)694-€259k
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
25-03
State Gazette act
General meeting · Director resignation
Director discharge · Director reappointment
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €26k ▼45.9%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €229k ▲29.3%
3 profitable years in a row build equity to €229k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150kEq €177k ▲85.4%
2 profitable years in a row build equity to €177k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Hasselt · 1 establishment unit since 2019
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.
Bijvennestraat 293500 HasseltGround area
1,570 m²
Building footprint
199 m²
Parcel 71322B0649/00W010, Flanders. Linked by address, not a title deed.
1 establishment unit
Vercammen Vittorio
since 20192.285.963.069
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322B0649/00W010 | Flanders | 1,570 m² | 1 · 199 m² | - |
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.
Structure & network
Ownership & control
1 partyVercammen VittorioBE 0718.875.809
controls
Where this company holds controlthis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 107 EUR awarded · 107 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 107 EUR |
| 2022 | 1 | 107 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,708 companies in sector 68310 we hold annual accounts for 6,875. 5,226 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2019
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.