VERSTRAETEN H & S
ActiveSummary
VERSTRAETEN H & S has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €485. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-5
Solvency26=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.02 against 1.07 in 2024; short-term debt: 86.3% and cash: 3% of total assets), and 99.2% 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
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
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
0.8%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 14%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €3k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
6 d early
2022
38 d early
2021
37 d early
2020
33 d early
2019
16 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
€3k▲ 19.1%
2024 · €3k
2018: €-34k
2019: €16k
2020: €-15k
2021: €15k
2022: €17k
2023: €231
2024: €3k
2018 → 2025
Total assets
€389k▲ 0.9%
2024 · €385k
2018: €278k
2019: €299k
2020: €271k
2021: €278k
2022: €316k
2023: €337k
2024: €385k
2018 → 2025
Net result
€485▼ 79.0%
2024 · €2k
2018: €22
2019: €4k
2020: €-31k
2021: €30k
2022: €2k
2023: €-17k
2024: €2k
2018 → 2025
Working capital
€6k▼ 74.3%
2024 · €23k
2018: €-40k
2019: €-66k
2020: €-74k
2021: €-43k
2022: €-33k
2023: €-19k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€17k▲ 14.6%€231▼ 98.6%€3k▲ 1,000%€3k▲ 19.1%
Operating result€29k-€3k▼ 88.3%€-33k€9k€11k▲ 22.9%
Net result€30k-€2k▼ 92.8%€-17k€2k€485▼ 79.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €389k
Fixed assets
€47k ▼ 12.5%
Current assets
€341k ▲ 3.1%
Equity and liabilities €389k
Equity
€3k ▲ 19.1%
Debt
€386k ▲ 0.8%
Debt's share of the balance-sheet total falls from 99.3% to 99.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €16k
Cash flow
€7k▼
2024 · €9k
Current ratio
1.02▼
2024 · 1.07
Quick ratio
0.24▼
2024 · 0.30
ROE
16.0%▼
2024 · 90.9%
ROA
0.1%▼
2024 · 0.6%
Interest coverage
1.77▼
2024 · 2.39
Debt ≤ 1 year
€336k▲
2024 · €308k
Debt > 1 year
€50k▼
2024 · €70k
Income taxes
€977▲
2024 · €0
Staff costs
€7k▼
2024 · €27k
A ratio outside any meaningful range has been withheld (balance sheet total €389k, equity €3k).
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€385k€389k▲
Fixed assets21/28€54k€47k▼
Intangible fixed assets21€41k€36k▼
Tangible fixed assets22/27€12k€10k▼
Plant, machinery and equipment23€12k€10k▼
Furniture and vehicles24€0€0▼
Financial fixed assets28€1k€1k=
Current assets29/58€331k€341k▲
Stocks and contracts in progress3€238k€261k▲
Stocks30/36€238k€261k▲
Amounts receivable within one year40/41€82k€69k▼
Trade receivables40€55k€31k▼
Other amounts receivable41€27k€38k▲
Cash at bank and in hand54/58€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€385k€389k▲
Equity10/15€3k€3k▲
Contributions10/11€65k€65k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-73k€-72k▲
Amounts payable17/49€383k€386k▲
Amounts payable after more than one year17€70k€50k▼
Financial debts170/4€70k€50k▼
Amounts payable within one year42/48€308k€336k▲
Current portion of amounts payable after more than one year42€25k€20k▼
Financial debts43€25k€25k=
Credit institutions430/8€25k€25k=
Trade debts44€26k€28k▲
Suppliers440/4€26k€28k▲
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9€673€0▼
Other amounts payable47/48€223k€252k▲
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€27k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€301€0▼
Gross operating margin9900€44k€26k▼
Operating profit (loss)9901€9k€11k▲
Financial income75/76B€12€462▲
Recurring financial income75€12€462▲
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€2k€1k▼
Income taxes67/77€0€977▲
Profit (loss) for the period9904€2k€485▼
Profit (loss) for the period to be appropriated9905€2k€485▼
Appropriation of the result
Profit (loss) to be appropriated9906€-73k€-72k▲
Profit (loss) brought forward from the previous period14P€-75k€-73k▲
Social balance
Average headcount (FTE)90870.90.0▼
The notes to these accounts (22 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-31k ▼964%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
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
5 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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2013
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.
Drie Lindekens(BEV) 869120 Beveren-Kruibeke-ZwijndrechtGround area
5,957 m²
Building footprint
2,538 m²
Volume, LiDAR
16,730 m³
2 parcels, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Verstraeten H & S BVBA
since 20132.218.372.479
Pareinpark(BEV) 29, 9120 Beveren-Kruibeke-Zwijndrecht
since 20232.339.885.567
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46003B0705/00S000 | Flanders | 5,569 m² | 1 · 2,406 m² | 8.4 m · 2 fl. |
| 46503C0410/00W000 | Flanders | 388 m² | 1 · 133 m² | 10.3 m · 1 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.
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Of 2,332 companies in sector 47251 we hold annual accounts for 421. 147 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
Founded28-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47251Retail sale of wines and spirits
49410Freight transport by road
49420Removal services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.