VERSO
ActiveVERSO has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €128k. Equity is shrinking by ~33.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 70% of 7971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency90▲+46
Growth38▲+16
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 1.23 in 2024; short-term debt: 35.2% and cash: 10.4% of total assets), and 35.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.8%
Return on assets
57%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
8 d early
2022
28 d early
2021
11 d early
2020
15 d early
2019
66 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€413k▼ 3.3%
2022 · €428k
2018: €1.89M
2019: €997k
2020: €877k
2021: €491k
2022: €428k
2018 → 2023
EBIT margin
-42.5%▼ 7.3pp
2022 · -35.2%
2018: 5.8%
2019: -10.0%
2020: -23.5%
2021: -29.5%
2022: -35.2%
2018 → 2023
Net result
€128k
2024 · €-166k
2018: €74k
2019: €-84k
2020: €-197k
2021: €-120k
2022: €-114k
2023: €-163k
2024: €-166k
2018 → 2025
Working capital
€146k▲ 731%
2024 · €18k
2018: €845k
2019: €769k
2020: €578k
2021: €461k
2022: €347k
2023: €185k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€491k-€428k▼ 12.8%€413k▼ 3.3%
Equity€460k-€346k▼ 24.7%€184k▼ 46.9%€18k▼ 90.4%€146k▲ 730%
Operating result€-145k-€-150k▼ 4.0%€-176k▼ 16.8%€-176k▼ 0.3%€126k
Net result€-120k-€-114k▲ 5.6%€-163k▼ 43.1%€-166k▼ 2.2%€128k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €126k after a loss of €176k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €225k
Equity
€146k▲ 730%
Debt
€79k▲ 2.7%
The debt ratio falls from 81.4% to 35.2%. Equity and debt are higher.
Key figures and ratios
Solvency
64.8%▲
2024 · 18.6%
Current ratio
2.84▲
2024 · 1.23
Quick ratio
2.84▲
2024 · 1.23
Debt / equity
0.54▼
2024 · 4.38
ROE
88.0%▲
2024 · -945.5%
ROA
57.0%▲
2024 · -175.6%
Debt
€79k▲
2024 · €77k
Debt ≤ 1 year
€79k▲
2024 · €77k
Staff costs
€443k▲
2024 · €441k
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€95k€225k▲
Fixed assets21/28€25€0▼
Financial fixed assets28€25€0▼
Current assets29/58€95k€225k▲
Amounts receivable within one year40/41€92k€202k▲
Trade receivables40€3k€184k▲
Other amounts receivable41€89k€18k▼
Cash at bank and in hand54/58€3k€23k▲
Equity and liabilities
Total equity and liabilities10/49€95k€225k▲
Equity10/15€18k€146k▲
Contributions10/11€392k€392k=
Reserves13€68k€68k=
Distributable reserves133€68k€68k=
Profit (loss) carried forward14€-442k€-314k▲
Amounts payable17/49€77k€79k▲
Amounts payable within one year42/48€77k€79k▲
Trade debts44€30k€18k▼
Suppliers440/4€30k€18k▼
Taxes, remuneration and social security45€47k€61k▲
Taxes450/3€17k€30k▲
Remuneration and social security454/9€30k€30k▲
Other amounts payable47/48€0€144▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€441k€443k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€267k€569k▲
Operating profit (loss)9901€-176k€126k▲
Financial income75/76B€10k€3k▼
Recurring financial income75€10k€3k▼
Financial charges65/66B€133€156▲
Recurring financial charges65€133€156▲
Profit (loss) for the period before taxes9903€-166k€128k▲
Profit (loss) for the period9904€-166k€128k▲
Profit (loss) for the period to be appropriated9905€-166k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-442k€-314k▲
Profit (loss) brought forward from the previous period14P€-276k€-442k▼
Social balance
Average headcount (FTE)90878.18.1=
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
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €128k
Net result €128k after 6 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.84
Current ratio from 1.23 to 2.84.
31-12
Financial
Equity above €100kEq €146k ▲730%
Equity rises from €18k to €146k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-197k
Net result drops to €-197k, the lowest in the series; recovery starts the following year.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-02
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, Temse · 2 establishment units since 2001
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.
Philippe Saveryslaan 739140 TemseGround area
2.2 ha
Building footprint
228 m²
Volume, LiDAR
2,635 m³
2 parcels, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Philippe Saveryslaan 73, 9140 Temse
since 20012.093.155.872
Kapelanielaan 2, 9140 Temse
since 20092.266.342.939
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46026A0125/00H000 | Flanders | 1.9 ha | 1 · 9 m² | 5.9 m |
| 46025B1190/00N008 | Flanders | 3,272 m² | 1 · 220 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 98 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 98 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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TECHNI-MAT
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Of 1,137 companies in sector 46130 we hold annual accounts for 646. 520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2001
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
52250Logistics services
52290Warehousing and support activities for transportation
63401
72210
58290Other software publishing
62010Computer programming, consultancy and related activities
62100Computer programming
72220
73200Market research and public opinion polling
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:lien@bsttemse.be
Phone:037113321