VERLIPRO · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VERLIPRO is 0.6% (low). The 2025 annual accounts show equity of €497k and a net result of €35k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 94% of 1408 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 94% of 1408 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 30-09-2025, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

The next deadline is still running

The next financial year closes on 31-01-2026 and is due by 31-08-2026. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-01. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-01-2025, that is 31-08-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-01-2025	31-08-2025	30-09-2025	30 d late	2025-00518615
31-01-2024	31-08-2024	19-07-2024	43 d early	2024-00265700
31-01-2023	31-08-2023	25-08-2023	6 d early	2023-00354219
31-01-2022	31-08-2022	26-08-2022	5 d early	2022-20323313
31-01-2021	31-08-2021	29-09-2021	29 d late	2021-69500349
31-01-2020	31-08-2020	02-10-2020	32 d late	2020-58300456
31-01-2019	31-08-2019	18-07-2019	44 d early	2019-35000294
31-01-2018	31-08-2018	12-07-2018	50 d early	2018-32900389
31-01-2017	31-08-2017	31-08-2017	on the day	2017-58300445
31-01-2016	31-08-2016	18-07-2016	44 d early	2016-33300580

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2005, 21 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.6% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€35k-7.5%

Working capital€464k+0.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 7 fiscal years (±0.4%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	86.6%	23.8%	better than 94% of 1408 sector peers
Net result	€35k	€8k	better than 80% of 1405 sector peers
Equity	€497k	€26k	better than 95% of 1409 sector peers
Gross operating margin	€70k	€36k	better than 66% of 1402 sector peers
Total assets	€574k	€133k	better than 91% of 1409 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P94

Stable position over 2020-2025 · n=1365-6698

Net result P80

Stable position over 2020-2025 · n=1361-6678

Equity P95

Stable position over 2020-2025 · n=1367-6712

Gross operating margin P66

Weakening position over 2020-2025 · n=1356-6657

Describes the position versus peers, not a forecast.

EBITDA

€64k

-13.7% 19-25

Net profit

€35k

-7.5% 19-25

Cash flow

€54k

-13.8% 19-25

Total assets

€574k

+8.0% 19-25

Equity

€497k

-3.3% 19-25

Working capital

€464k

+0.6% 19-25

Employees (FTE)

0

-100.0% 19-25

Income taxes

€17k

-3.6% 19-25

Dividends

€52k

+142.1% 19-25

Debt

€77k

+333.0% 19-25

Debt ≤ 1y

€58k

+223.5% 19-25

Debt > 1y

€0

-100.0% 19-25

Current ratio

9.06

-66.3% 19-25

Quick ratio

9.06

-66.3% 19-25

Solvency

86.6%

-10.4% 19-25

Debt / equity

0.16

+347.7% 19-25

ROE

7.1%

-4.3% 19-25

ROA

6.1%

-14.3% 19-25

Interest coverage

126.98

-88.1% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€64k
Net profit	€35k
Cash flow	€54k
Staff costs	-
Income taxes	€17k
Dividends	€52k
Total assets	€574k
Equity	€497k
Debt	€77k
of which ≤ 1y	€58k
of which > 1y	-
Working capital	€464k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	9.06
Quick ratio	9.06
Working capital ratio	80.9%
Solvency	86.6%
Debt / equity	0.16
Long-term debt ratio	-
Interest coverage	126.98
Gross margin	-
Net margin	-
ROA	6.1%
ROE	7.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €52k · 9.1% Current assets €522k · 90.9%

Equity & liabilities

Equity €497k · 86.6% Debt €77k · 13.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€574k
Fixed assets	21/28	€52k
Tangible fixed assets	22/27	€52k
Current assets	29/58	€522k
Amounts receivable within one year	40/41	€28k
Investments	50/53	€50k
Cash & bank	54/58	€300k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€574k
Equity	10/15	€497k
Contributions / capital	10/11	€93k
Reserves	13	€400k
Accumulated profits (losses)	14	€4k
Amounts payable	17/49	€77k
Amounts payable within one year	42/48	€58k
Trade debts payable within one year	44	€8k
Income statement
Gross operating margin	9900	€70k
Operating result	9901	€46k
Financial income	75	€7k
Financial charges	65	€506
Result before taxes	9903	€52k
Income taxes	67/77	€17k
Net result for the period	9904	€35k
Result to be appropriated	9905	€35k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

83 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

2 directors

Current directors & mandates

LIERMAN Hendrik Isidoor Irma
Director
State Gazette act 23447961 (06-12-2023)

Current
06-12-2023 → present
VERMEULEN Rita Maria Cornelia
Director
State Gazette act 23447961 (06-12-2023)

Current
06-12-2023 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form	Private limited company(610)
Incorporation	03-06-2005
Status	Active
Postal code	8970

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Proxy-Delhaize

Provenplein 42, 8972 PoperingeHandelsbemiddeling in goederen, algemeen assortiment

since 20052.147.389.265

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area2,072 m²

Buildings2

Building footprint693 m²

Volume (LiDAR)3,014 m³

Tallest building11.7 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
33312C1033/00D005	Flanders	1,308 m²	1 · 71 m²	4.1 m
33022B0207/00D000	Flanders	764 m²	1 · 622 m²	11.7 m · 1 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2023

06-12-2023 3 directors appointed Director changes·Bruno Vandenameele

LIERMAN Hendrik Isidoor Irma, Bestuurder
VERMEULEN Rita Maria Cornelia, Bestuurder
Q.P.A, Gedelegeerd bestuurder

Notary: Bruno Vandenameele · Poperinge

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

74 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 83

Profitability 35

Solvency 100

Growth 52

Stability 100

Ask AI about this company

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Credit advice

verdict per customer and amount

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We hold annual accounts for 1,627 of the 10,430 companies in this sector. 620 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Niet-gespecialiseerde detailhandel in algemene voedingsmiddelen (verkoopsoppervlakte minder dan 100 m2)52112

Primary activity highlighted.

Names & trade names

Legal nameNL

VERLIPRO

Registered office

Komstraat 120

8970 Poperinge, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.