Summary
VERHAMME & VERHAMME is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.02M and a net result of €28k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 1475 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
on the day
2023
30 d late
2022
31 d late
2021
31 d late
2020
20 d late
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.02M▲ 2.9%
2024 · €988k
2018: €115k
2019: €115k
2020: €135k
2021: €910k
2022: €935k
2023: €960k
2024: €988k
2018 → 2025
Net result
€28k▲ 1.6%
2024 · €28k
2018: €19k
2019: €16k
2020: €19k
2021: €33k
2022: €26k
2023: €25k
2024: €28k
2018 → 2025
Total assets
€1.56M▼ 6.9%
2024 · €1.67M
2018: €299k
2019: €790k
2020: €839k
2021: €1.54M
2022: €1.60M
2023: €1.63M
2024: €1.67M
2018 → 2025
Solvency
65.3%▲ 6.2pp
2024 · 59.1%
2018: 38.3%
2019: 14.6%
2020: 16.0%
2021: 59.1%
2022: 58.5%
2023: 58.7%
2024: 59.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€910k-€935k▲ 2.8%€960k▲ 2.6%€988k▲ 2.9%€1.02M▲ 2.9%
Operating result€44k-€26k▼ 39.4%€22k▼ 15.1%€16k▼ 28.2%€15k▼ 5.2%
Net result€33k-€26k▼ 21.6%€25k▼ 4.3%€28k▲ 13.7%€28k▲ 1.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 5% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.56M
Fixed assets
€1.19M ▼ 4.4%
Current assets
€369k ▼ 14.0%
Equity and liabilities €1.56M
Equity
€1.02M ▲ 2.9%
Debt
€541k ▼ 20.9%
Debt's share of the balance-sheet total falls from 40.9% to 34.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.8%▼
2024 · 2.8%
ROA
1.8%▲
2024 · 1.7%
Debt ≤ 1 year
€354k▼
2024 · €451k
Debt > 1 year
€117k▼
2024 · €178k
Income taxes
€18k▲
2024 · €17k
Staff costs
€160k▼
2024 · €239k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.67M€1.56M▼
Fixed assets21/28€1.24M€1.19M▼
Intangible fixed assets21€320k€253k▼
Tangible fixed assets22/27€11k€23k▲
Plant, machinery and equipment23€7k€9k▲
Furniture and vehicles24€4k€14k▲
Financial fixed assets28€911k€911k=
Current assets29/58€429k€369k▼
Amounts receivable within one year40/41€169k€176k▲
Trade receivables40€115k€134k▲
Other amounts receivable41€54k€42k▼
Current investments50/53€224k€167k▼
Cash at bank and in hand54/58€34k€25k▼
Deferred charges and accrued income490/1€1k€763▼
Equity and liabilities
Total equity and liabilities10/49€1.67M€1.56M▼
Equity10/15€988k€1.02M▲
Contributions10/11€761k€761k=
Reserves13€227k€255k▲
Distributable reserves133€227k€255k▲
Amounts payable17/49€684k€541k▼
Amounts payable after more than one year17€178k€117k▼
Financial debts170/4€178k€117k▼
Amounts payable within one year42/48€451k€354k▼
Current portion of amounts payable after more than one year42€103k€77k▼
Trade debts44€116k€53k▼
Suppliers440/4€116k€53k▼
Taxes, remuneration and social security45€40k€35k▼
Taxes450/3€12k€10k▼
Remuneration and social security454/9€27k€25k▼
Other amounts payable47/48€193k€190k▼
Accrued charges and deferred income492/3€54k€70k▲
Income statement
Code20242025
Non-recurring operating income76A€110k-
Remuneration, social security and pensions62€239k€160k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€72k▼
Other operating charges640/8€8k€4k▼
Non-recurring operating charges66A€44k€16k▼
Gross operating margin9900€380k€267k▼
Operating profit (loss)9901€16k€15k▼
Financial income75/76B€45k€42k▼
Recurring financial income75€45k€42k▼
Financial charges65/66B€16k€11k▼
Recurring financial charges65€16k€11k▼
Profit (loss) for the period before taxes9903€45k€46k▲
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€28k€28k▲
Profit (loss) for the period to be appropriated9905€28k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€28k▲
Transfer to equity691/2€28k€28k▲
To other reserves6921€28k€28k▲
Social balance
Average headcount (FTE)90872.21.0▼
The notes to these accounts (14 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €1MEq €1.02M ▲2.9%
8 profitable years in a row build equity to €1.02M.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €33k ▲69.4%
Operating result €44k, net result €33k, both a record.
31-12
Financial
Equity above €500kEq €910k ▲576%
4 profitable years in a row build equity to €910k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 34 days late
2019
31-12
Financial
Weakest financial yearnet €16k ▼15.7%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Wevelgem · 1 establishment unit since 1987
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.
Grote Markt 38560 WevelgemGround area
691 m²
Building footprint
625 m²
Volume, LiDAR
7,527 m³
Parcel 34302B0735/00G000, Flanders · tallest building 20.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
VERHAMME & VERHAMME
since 19872.031.470.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34302B0735/00G000 | Flanders | 691 m² | 1 · 625 m² | 20.2 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900VY7R4A6T9SQU85
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 860 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-1987
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.