Verhaert
ActiveVerhaert has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €27k and a net result of €-12k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 26% of 36377 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency42▼-22
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.28 against 1.48 in 2023), and 75.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2024Solvency, return and age of the figures
Solvency
24.2%
Return on assets
-10.3%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€27k▼ 29.9%
2023 · €39k
2018: €28k
2019: €35k
2020: €34k
2021: €36k
2022: €35k
2023: €39k
2018 → 2024
Total assets
€112k▼ 2.2%
2023 · €114k
2018: €60k
2019: €105k
2020: €99k
2021: €99k
2022: €82k
2023: €114k
2018 → 2024
Net result
€-12k
2023 · €19k
2018: €16k
2019: €8k
2020: €-1k
2021: €3k
2022: €-1k
2023: €19k
2018 → 2024
Working capital
€15k▼ 20.5%
2023 · €19k
2018: €20k
2019: €19k
2020: €11k
2021: €18k
2022: €18k
2023: €19k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€34k-€36k▲ 6.6%€35k▼ 3.7%€39k▲ 11.2%€27k▼ 29.9%
Operating result€-212-€4k€-869€27k€-10k
Net result€-1k-€3k€-1k€19k€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €27k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €112k
Fixed assets
€42k▼ 24.1%
Current assets
€70k▲ 17.9%
Equity and liabilities €112k
Equity
€27k▼ 29.9%
Debt
€85k▲ 12.0%
The debt ratio rises from 66.2% to 75.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€6k▼
2023 · €42k
Cash flow
€4k▼
2023 · €33k
Solvency
24.2%▼
2023 · 33.8%
Current ratio
1.28▼
2023 · 1.48
Quick ratio
1.14▼
2023 · 1.33
Debt / equity
3.12▲
2023 · 1.95
ROE
-42.6%▼
2023 · 49.6%
ROA
-10.3%▼
2023 · 16.8%
Interest coverage
2.79▼
2023 · 27.66
Debt
€85k▲
2023 · €76k
Debt ≤ 1 year
€55k▲
2023 · €40k
Debt > 1 year
€25k▼
2023 · €35k
Income taxes
€-7▼
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€114k€112k▼
Fixed assets21/28€55k€42k▼
Tangible fixed assets22/27€54k€41k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€995€1k▲
Leasing and similar rights25€46k€35k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€825€825=
Current assets29/58€60k€70k▲
Stocks and contracts in progress3€6k€8k▲
Stocks30/36€6k€8k▲
Amounts receivable within one year40/41€50k€37k▼
Trade receivables40€33k€32k▼
Other amounts receivable41€17k€5k▼
Cash at bank and in hand54/58€3k€25k▲
Deferred charges and accrued income490/1€649€649=
Equity and liabilities
Total equity and liabilities10/49€114k€112k▼
Equity10/15€39k€27k▼
Contributions10/11€6k€6k=
Reserves13€33k€33k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14-€-12k
Amounts payable17/49€76k€85k▲
Amounts payable after more than one year17€35k€25k▼
Financial debts170/4€35k€25k▼
Amounts payable within one year42/48€40k€55k▲
Current portion of amounts payable after more than one year42€11k€10k▼
Trade debts44€9k€41k▲
Suppliers440/4€9k€41k▲
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€15k€4k▼
Accrued charges and deferred income492/3-€5k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€43k€7k▼
Operating profit (loss)9901€27k€-10k▼
Financial income75/76B€349€63▼
Recurring financial income75€349€63▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€26k€-12k▼
Income taxes67/77€7k€-7▼
Profit (loss) for the period9904€19k€-12k▼
Profit (loss) for the period to be appropriated9905€19k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€-12k▼
Profit (loss) brought forward from the previous period14P€-1k-
Transfer from equity791/2€15k-
Transfer to equity691/2€18k-
To other reserves6921€18k-
Profit to be distributed694/7€15k-
Return on contributions (dividend)694€15k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-12k ▼160%
Net result drops to €-12k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
22-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2015
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.
Schepelstraat 162180 AntwerpenGround area
300 m²
Building footprint
82 m²
Volume, LiDAR
594 m³
Parcel 11817G0348/00R002, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VERHAERT
since 20152.244.318.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11817G0348/00R002 | Flanders | 300 m² | 1 · 82 m² | 11.6 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 930 EUR awarded · 930 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 930 EUR | 930 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
IDC FAMILY
BE 0739.770.005
Anderlecht · Eq €27k
SANI-TECH DK
BE 0765.932.487
Evere · Eq €27k
ENERGY QUALITY SERVICE
BE 1005.011.654
Zaventem · Eq €27k
ECS Building
BE 0819.648.614
Anderlecht · Eq €27k
MODERN CONSTRUCTION
BE 1010.285.187
Meise · Eq €27k
Of 6,991 companies in sector 43221 we hold annual accounts for 3,445. 2,640 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-06-2015
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.