Summary
VERSOR 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 €1.01M and a net result of €156k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 5527 sector peers (fiscal year 2025). The company has been active since 1999 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 check 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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
31 d early
2023
9 d late
2022
55 d early
2021
47 d early
2020
31 d early
2019
36 d early
← 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
€1.01M▲ 18.4%
2024 · €851k
2018: €384k
2019: €460k
2020: €569k
2021: €689k
2022: €861k
2023: €932k
2024: €851k
2018 → 2025
Net result
€156k▼ 16.9%
2024 · €188k
2018: €93k
2019: €76k
2020: €108k
2021: €121k
2022: €171k
2023: €188k
2024: €188k
2018 → 2025
Total assets
€1.06M▲ 12.1%
2024 · €949k
2018: €836k
2019: €859k
2020: €850k
2021: €935k
2022: €1.04M
2023: €1.11M
2024: €949k
2018 → 2025
Solvency
94.7%▲ 5.0pp
2024 · 89.6%
2018: 45.9%
2019: 53.6%
2020: 66.9%
2021: 73.8%
2022: 83.0%
2023: 83.9%
2024: 89.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€689k-€861k▲ 24.8%€932k▲ 8.2%€851k▼ 8.7%€1.01M▲ 18.4%
Operating result€176k-€244k▲ 39.0%€272k▲ 11.4%€271k▼ 0.2%€224k▼ 17.3%
Net result€121k-€171k▲ 41.8%€188k▲ 9.8%€188k▲ 0.1%€156k▼ 16.9%
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 two years in a row; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€719k ▼ 2.0%
Current assets
€345k ▲ 60.4%
Equity and liabilities €1.06M
Equity
€1.01M ▲ 18.4%
Debt
€57k ▼ 42.1%
Debt's share of the balance-sheet total falls from 10.4% to 5.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
15.5%▼
2024 · 22.1%
ROA
14.7%▼
2024 · 19.8%
Debt ≤ 1 year
€39k▼
2024 · €62k
Debt > 1 year
€18k▼
2024 · €36k
Income taxes
€67k▼
2024 · €81k
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€949k€1.06M▲
Fixed assets21/28€734k€719k▼
Tangible fixed assets22/27€226k€211k▼
Land and buildings22€186k€176k▼
Plant, machinery and equipment23€30k€26k▼
Furniture and vehicles24€10k€9k▼
Financial fixed assets28€508k€508k=
Current assets29/58€215k€345k▲
Amounts receivable within one year40/41€198k€232k▲
Trade receivables40€16k€16k=
Other amounts receivable41€182k€216k▲
Cash at bank and in hand54/58€13k€109k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€949k€1.06M▲
Equity10/15€851k€1.01M▲
Contributions10/11€62k€62k=
Reserves13€789k€945k▲
Distributable reserves133€789k€945k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€98k€57k▼
Amounts payable after more than one year17€36k€18k▼
Financial debts170/4€36k€18k▼
Amounts payable within one year42/48€62k€39k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€834€3k▲
Suppliers440/4€834€3k▲
Taxes, remuneration and social security45€3k€17k▲
Taxes450/3€3k€15k▲
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€40k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€290k€244k▼
Operating profit (loss)9901€271k€224k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€269k€223k▼
Income taxes67/77€81k€67k▼
Profit (loss) for the period9904€188k€156k▼
Profit (loss) for the period to be appropriated9905€188k€156k▼
Appropriation of the result
Profit (loss) to be appropriated9906€188k€156k▼
Transfer from equity791/2€269k€0▼
Transfer to equity691/2€188k€156k▼
To other reserves6921€188k€156k▼
Profit to be distributed694/7€269k€0▼
Return on contributions (dividend)694€269k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (11 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 8.88
Current ratio from 3.48 to 8.88; short-term debt falls from €62k to €39k.
31-12
Financial
Equity above €1MEq €1.01M ▲18.4%
8 profitable years in a row build equity to €1.01M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €188k ▲0.1%
Net result €188k, the highest in the series.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.87
Current ratio from 1.24 to 2.87; short-term debt falls from €154k to €103k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 1.24
Current ratio from 0.57 to 1.24; short-term debt falls from €171k to €154k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €569k ▲23.5%
3 profitable years in a row build equity to €569k.
Show earlier events
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €76k ▼17.6%
Net result drops to €76k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
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
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, Diepenbeek · 1 establishment unit since 1999
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.
Marktplein 173590 DiepenbeekGround area
194 m²
Building footprint
194 m²
Volume, LiDAR
1,901 m³
Parcel 71402D0042/00B002, Flanders · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
VERSOR
since 19992.091.511.228
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402D0042/00B002 | Flanders | 194 m² | 1 · 194 m² | 14.4 m · 4 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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,649 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
Founded03-05-1999
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.