VERNIMODE
ActiveThe computed 12-month bankruptcy probability of VERNIMODE is 1.7% (moderate). The 2025 annual accounts show negative equity (€-80k) and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 26052 sector peers (fiscal year 2024). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
25
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▲+5
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.55 in 2024; short-term debt: 157.6% and cash: 13.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-57.6%
Return on assets
-10.8%
Age of the figures
9 mo
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 · 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 →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
1819202122232425
2018 to 2025 · latest year €-80k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 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
45 d late
2024
55 d late
2023
40 d late
2022
39 d late
2021
33 d early
2020
31 d late
2019
112 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-80k▼ 23.1%
2024 · €-65k
2018: €-2k
2019: €-12k
2020: €9k
2021: €26k
2022: €9k
2023: €-30k
2024: €-65k
2018 → 2025
Total assets
€140k▲ 10.0%
2024 · €127k
2018: €54k
2019: €56k
2020: €94k
2021: €194k
2022: €89k
2023: €88k
2024: €127k
2018 → 2025
Net result
€-15k▲ 57.6%
2024 · €-36k
2018: €11k
2019: €-10k
2020: €21k
2021: €17k
2022: €-18k
2023: €-38k
2024: €-36k
2018 → 2025
Working capital
€-98k▼ 13.9%
2024 · €-86k
2018: €-7k
2019: €-17k
2020: €5k
2021: €-6k
2022: €-20k
2023: €-54k
2024: €-86k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€9k▼ 67.7%€-30k€-65k▼ 119%€-80k▼ 23.1%
Operating result€24k-€-17k€-38k▼ 125%€-35k▲ 7.5%€-15k▲ 57.4%
Net result€17k-€-18k€-38k▼ 114%€-36k▲ 7.5%€-15k▲ 57.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €35k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€17k▼ 15.2%
Current assets
€122k▲ 14.8%
Key figures and ratios
EBITDA
€-12k▲
2024 · €-32k
Cash flow
€-12k▲
2024 · €-32k
Solvency
-57.6%▼
2024 · -51.5%
Current ratio
0.56▲
2024 · 0.55
Quick ratio
0.19▲
2024 · 0.08
Debt / equity
-2.74▲
2024 · -2.94
ROA
-10.8%▲
2024 · -28.0%
Interest coverage
-38.47▲
2024 · -96.78
Debt
€220k▲
2024 · €192k
Debt ≤ 1 year
€220k▲
2024 · €192k
Income taxes
€-179▼
2024 · €167
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€127k€140k▲
Fixed assets21/28€20k€17k▼
Tangible fixed assets22/27€17k€14k▼
Furniture and vehicles24€17k€14k▼
Financial fixed assets28€3k€3k=
Current assets29/58€106k€122k▲
Stocks and contracts in progress3€91k€81k▼
Stocks30/36€91k€81k▼
Amounts receivable within one year40/41€14k€22k▲
Trade receivables40€9k€16k▲
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€38€19k▲
Deferred charges and accrued income490/1€709€753▲
Equity and liabilities
Total equity and liabilities10/49€127k€140k▲
Equity10/15€-65k€-80k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-84k€-99k▼
Amounts payable17/49€192k€220k▲
Amounts payable within one year42/48€192k€220k▲
Trade debts44€23k€11k▼
Suppliers440/4€23k€11k▼
Advances received on contracts in progress46€5k€5k=
Taxes, remuneration and social security45€160-
Taxes450/3€160-
Other amounts payable47/48€164k€204k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€494€106▼
Gross operating margin9900€-31k€-12k▲
Operating profit (loss)9901€-35k€-15k▲
Financial income75/76B€90€7▼
Recurring financial income75€90€7▼
Financial charges65/66B€328€307▼
Recurring financial charges65€328€307▼
Profit (loss) for the period before taxes9903€-35k€-15k▲
Income taxes67/77€167€-179▼
Profit (loss) for the period9904€-36k€-15k▲
Profit (loss) for the period to be appropriated9905€-36k€-15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-84k€-99k▼
Profit (loss) brought forward from the previous period14P€-48k€-84k▼
The notes to these accounts (5 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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
08-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 39 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1 day late
Financial milestoneNBB 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1985
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.
Prekelindenlaan 321200 Sint-Lambrechts-WoluweGround area
235 m²
Building footprint
221 m²
Volume, LiDAR
2,473 m³
Parcel 21673D0141/00N014, Brussels · tallest building 18.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Q.M. DEPOT
since 19852.027.487.169
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0141/00N014 | Brussels | 235 m² | 1 · 221 m² | 18.4 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.
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IL FASHINO PIU
BE 0434.962.648
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MOOSWONEN MAASEIK
BE 0739.863.540
Maaseik · Eq €8k
Of 1,272 companies in sector 47512 we hold annual accounts for 581. 231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-1985
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
47620Retail trade
47621Retail sale of newspapers and periodicals
47721Retail sale of footwear
47784Retail sale of souvenirs and religious articles
47786Retail trade
52470
52497
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.