VerKey's
ActiveSummary
VerKey's has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €2k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability49▼-51
Solvency100▲+30
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
79.7%
Return on assets
4.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
6 d early
2022
22 d late
2021
26 d late
2020
29 d early
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€4k▼ 95.1%
2023 · €80k
2020: €91k
2021: €69k
2022: €78k
2023: €80k
2020 → 2024
EBIT margin
69.6%▲ 24.7pp
2023 · 45.0%
2020: -22.8%
2021: 96.1%
2022: 39.9%
2023: 45.0%
2020 → 2024
Net result
€2k▼ 90.8%
2023 · €25k
2018: €-9k
2019: €-18k
2020: €-23k
2021: €63k
2022: €26k
2023: €25k
2018 → 2024
Working capital
€41k▼ 0.2%
2023 · €41k
2018: €-48k
2019: €-65k
2020: €1k
2021: €50k
2022: €46k
2023: €41k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€91k-€69k▼ 24.5%€78k▲ 13.1%€80k▲ 2.9%€4k▼ 95.1%
Equity€-45k-€18k€29k▲ 59.4%€39k▲ 33.8%€41k▲ 5.9%
Operating result€-21k-€66k€31k▼ 53.1%€36k▲ 16.0%€3k▼ 92.4%
Net result€-23k-€63k€26k▼ 59.0%€25k▼ 3.9%€2k▼ 90.8%
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 2024; 2024 is 92% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €51k
Equity
€41k ▲ 5.9%
Debt
€10k ▼ 77.9%
Debt's share of the balance-sheet total falls from 55.0% to 20.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
4.93▲
2023 · 1.92
Debt to equity
0.25▼
2023 · 1.22
ROE
5.6%▼
2023 · 64.0%
ROA
4.4%▼
2023 · 28.8%
Debt ≤ 1 year
€10k▼
2023 · €45k
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 · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€86k€51k▼
Current assets29/58€86k€51k▼
Amounts receivable within one year40/41€82k€49k▼
Trade receivables40€2k-
Other amounts receivable41€80k€49k▼
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€86k€51k▼
Equity10/15€39k€41k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€22k€22k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€650€650=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€-2k€420▲
Amounts payable17/49€47k€10k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€45k€10k▼
Current portion of amounts payable after more than one year42€17k€4k▼
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Other amounts payable47/48€15k-
Income statement
Code20232024
Turnover70€80k€4k▼
Goods, raw materials, services and sundry goods60/61€44k€1k▼
Gross operating margin9900€36k€3k▼
Operating profit (loss)9901€36k€3k▼
Financial income75/76B€0€12▲
Recurring financial income75€0€12▲
Financial charges65/66B€769€462▼
Recurring financial charges65€769€462▼
Profit (loss) for the period before taxes9903€35k€2k▼
Income taxes67/77€10k-
Profit (loss) for the period9904€25k€2k▼
Profit (loss) for the period to be appropriated9905€25k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€420▼
Profit (loss) brought forward from the previous period14P€-2k€-2k▲
Transfer to equity691/2€10k-
To other reserves6921€10k-
Profit to be distributed694/7€15k-
Directors or managers695€15k-
Timeline · acts, filings and financial milestones
2026
22-09
State Gazette act
Incorporation · Statutes amendmentAppointment: LIBRA – AUDIT & ASSURANCE (réviseur d'entreprises) · Incorporation · Statutes amendment38 facts ▸
State Gazette act
Incorporation · Statutes amendment
Appointment: LIBRA – AUDIT & ASSURANCE (réviseur d'entreprises) · Incorporation · Statutes amendment38 facts ▸
- Incorporation, 27-08-2009
- Statutes amendment
- Capital, €25.000
- Director in office, Christine Yvette A. KEYEUX (director)
- Director in office, Vincent Georges A. VERELST (director)
- Director in office, Caroline KOLIVAS (director)
- Shareholding, 09-09-2026, actions
- Shareholding, 09-09-2026, actions
- Incorporation, 22-01-2007
- Statutes amendment
- Capital, €18.600
- Director in office, Christine Yvette A. KEYEUX (director)
- +26 further facts in this act
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.93
Current ratio from 1.92 to 4.93; short-term debt falls from €45k to €10k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €63k
Net result €63k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.54
Current ratio from 1.08 to 3.54.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.08
Current ratio from 0.46 to 1.08; short-term debt falls from €121k to €18k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 16 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Marche-en-Famenne · 1 establishment unit since 2007
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.
Marche, Cour Meuris 76900 Marche-en-FamenneGround area
82 m²
Building footprint
83 m²
Volume, LiDAR
1,182 m³
Parcel 91034G0118/00M000, Wallonia · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SPRL VERKEY'S
since 20072.159.085.881
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034G0118/00M000 | Wallonia | 82 m² | 1 · 83 m² | 16.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Duration
Unlimited
Purpose
Tous travaux de secrétariat; La gestion immobilière pour compte propre; Les placements mobiliers; L'optométrie; Le commerce de gros et de détail d'horlogerie et de bijouterie; Le…
Full purpose (12 activities)
- Tous travaux de secrétariat
- La gestion immobilière pour compte propre
- Les placements mobiliers
- L'optométrie
- Le commerce de gros et de détail d'horlogerie et de bijouterie
- Le commerce de gros et de détail d'optique et photographie
- Le commerce de gros et de détail de vêtements pour hommes, dames et enfants
- Le commerce de gros et de détail d'accessoires de vêtements
- Le commerce de gros et de détail de chaussures
- Le commerce de gros et de détail de maroquinerie et d'articles de voyage
- Location de vans et mobilhomes
- Nettoyage de véhicules intérieur et extérieur
Other provisions of the articles (3)
- Other statement (3)
Structure & network
Acquisitions and mergers
1 transactionReceived in a demerger part of:KEYVER
Capital and shareholders
Shareholders according to the acts
Stated in the act
act of 22-09-2026 ↗
- Christine Yvette A. KEYEUX 50 shares · 50%
- Vincent Georges A. VERELST 50 shares · 50%
- Christine KEYEUX 50 shares · 50%
- Vincent VERELST 50 shares · 50%
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 22-09-2026 Capital stated in the act · 18,600 EUR · 100 shares · as unavailable equity
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 876 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
Founded26-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
46432Wholesale trade
46480Wholesale trade
68201Renting and operating of own or leased residential real estate, excluding social housing
68321Property management for co-owned buildings (syndics)
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:verkeys@skynet.be