VERULI
ActiveSummary
VERULI has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €231k and a net result of €39k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability84▼-5
Solvency98=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 3.6 against 3.85 in 2023; short-term debt: 24.7% and cash: 57% of total assets), and 26.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
92 d late
2022
31 d late
2021
31 d late
2020
61 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€231k▲ 10.0%
2023 · €210k
2018: €87klowest in 7 years
2019: €105k▲ +20.6% vs 2018
2020: €137k▲ +30.6% vs 2019
2021: €165k▲ +20.6% vs 2020
2022: €175k▲ +5.9% vs 2021
2023: €210k▲ +20.2% vs 2022
2024: €231k▲ +10.0% vs 2023highest in 7 years
2018 → 2024
Total assets
€316k▲ 9.9%
2023 · €288k
2018: €151klowest in 7 years
2019: €157k▲ +4.1% vs 2018
2020: €185k▲ +17.7% vs 2019
2021: €223k▲ +21.0% vs 2020
2022: €247k▲ +10.5% vs 2021
2023: €288k▲ +16.5% vs 2022
2024: €316k▲ +9.9% vs 2023highest in 7 years
2018 → 2024
Net result
€39k▼ 15.0%
2023 · €46k
2018: €11klowest in 7 years
2019: €18k▲ +68.2% vs 2018
2020: €32k▲ +78.6% vs 2019
2021: €28k▼ -12.1% vs 2020
2022: €15k▼ -47.5% vs 2021
2023: €46k▲ +209% vs 2022highest in 7 years
2024: €39k▼ -15.0% vs 2023
2018 → 2024
Working capital
€203k▲ 7.6%
2023 · €188k
2018: €81klowest in 7 years
2019: €94k▲ +15.7% vs 2018
2020: €127k▲ +34.9% vs 2019
2021: €152k▲ +19.6% vs 2020
2022: €162k▲ +6.4% vs 2021
2023: €188k▲ +16.5% vs 2022
2024: €203k▲ +7.6% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€137k-€165k▲ 20.6%€175k▲ 5.9%€210k▲ 20.2%€231k▲ 10.0%
2020: €137klowest in 5 years
2021: €165k▲ +20.6% vs 2020
2022: €175k▲ +5.9% vs 2021
2023: €210k▲ +20.2% vs 2022
2024: €231k▲ +10.0% vs 2023highest in 5 years
Operating result€53k-€47k▼ 11.6%€28k▼ 39.8%€71k▲ 155%€61k▼ 14.7%
2020: €53k
2021: €47k▼ -11.6% vs 2020
2022: €28k▼ -39.8% vs 2021lowest in 5 years
2023: €71k▲ +155% vs 2022highest in 5 years
2024: €61k▼ -14.7% vs 2023
Net result€32k-€28k▼ 12.1%€15k▼ 47.5%€46k▲ 209%€39k▼ 15.0%
2020: €32k
2021: €28k▼ -12.1% vs 2020
2022: €15k▼ -47.5% vs 2021lowest in 5 years
2023: €46k▲ +209% vs 2022highest in 5 years
2024: €39k▼ -15.0% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 15% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €316k
Fixed assets
€35k ▲ 6.4%
Current assets
€281k ▲ 10.4%
Equity and liabilities €316k
Equity
€231k ▲ 10.0%
Debt
€85k ▲ 9.8%
Debt's share of the balance-sheet total stays at 26.8%.
Key figures and ratios
EBITDA
€67k▼
2023 · €76k
Cash flow
€45k▼
2023 · €51k
Current ratio
3.60▼
2023 · 3.85
Quick ratio
2.81▼
2023 · 2.96
Debt to equity
0.37▼
2023 · 0.37
ROE
16.8%▼
2023 · 21.7%
ROA
12.3%▼
2023 · 15.9%
Interest coverage
11.10▼
2023 · 12.43
Debt ≤ 1 year
€78k▲
2023 · €66k
Debt > 1 year
€7k▼
2023 · €11k
Income taxes
€17k▼
2023 · €20k
Staff costs
€54k▼
2023 · €61k
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 · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€288k€316k▲
Fixed assets21/28€33k€35k▲
Tangible fixed assets22/27€32k€35k▲
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€22k€26k▲
Financial fixed assets28€728€728=
Current assets29/58€254k€281k▲
Stocks and contracts in progress3€59k€61k▲
Stocks30/36€59k€61k▲
Amounts receivable within one year40/41€18k€18k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€15k€16k▲
Cash at bank and in hand54/58€159k€180k▲
Deferred charges and accrued income490/1€18k€21k▲
Equity and liabilities
Total equity and liabilities10/49€288k€316k▲
Equity10/15€210k€231k▲
Contributions10/11€6k€6k=
Reserves13€204k€225k▲
Tax-exempt reserves132€444€444=
Distributable reserves133€204k€225k▲
Amounts payable17/49€77k€85k▲
Amounts payable after more than one year17€11k€7k▼
Financial debts170/4€11k€7k▼
Amounts payable within one year42/48€66k€78k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€41k€48k▲
Suppliers440/4€41k€48k▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€6k€2k▼
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€10k€18k▲
Income statement
Code20232024
Remuneration, social security and pensions62€61k€54k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€139k€122k▼
Operating profit (loss)9901€71k€61k▼
Financial income75/76B€457€742▲
Recurring financial income75€457€742▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€66k€56k▼
Income taxes67/77€20k€17k▼
Profit (loss) for the period9904€46k€39k▼
Profit (loss) for the period to be appropriated9905€46k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€39k▼
Transfer from equity791/2€10k€18k▲
Transfer to equity691/2€46k€39k▼
To other reserves6921€46k€39k▼
Profit to be distributed694/7€10k€18k▲
Return on contributions (dividend)694€10k€18k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €47k | €59k | €61k | €54k | ▼ 12.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €5k | €5k | €5k | €6k | ▲ 17.2% |
| Other operating charges640/8 | - | €2k | €1k | €1k | €1k | ▲ 0.4% |
| Gross operating margin9900 | €91k | €101k | €93k | €139k | €122k | ▼ 12.5% |
| Operating profit (loss)9901 | €53k | €47k | €28k | €71k | €61k | ▼ 14.7% |
| Financial income75/76B | - | €127 | €228 | €457 | €742 | ▲ 62.1% |
| Recurring financial income75 | €296 | €127 | €228 | €457 | €742 | ▲ 62.1% |
| Financial charges65/66B | - | €5k | €5k | €6k | €6k | ▼ 2.1% |
| Recurring financial charges65 | €5k | €5k | €5k | €6k | €6k | ▼ 2.1% |
| Profit (loss) for the period before taxes9903 | €47k | €41k | €23k | €66k | €56k | ▼ 15.3% |
| Income taxes67/77 | €15k | €13k | €8k | €20k | €17k | ▼ 16.0% |
| Profit (loss) for the period9904 | €32k | €28k | €15k | €46k | €39k | ▼ 15.0% |
| Profit (loss) for the period to be appropriated9905 | €32k | €28k | €15k | €46k | €39k | ▼ 15.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €185k | €223k | €247k | €288k | €316k | ▲ 9.9% |
| Fixed assets21/28 | €12k | €13k | €13k | €33k | €35k | ▲ 6.4% |
| Tangible fixed assets22/27 | €12k | €12k | €12k | €32k | €35k | ▲ 6.6% |
| Plant, machinery and equipment23 | - | €2k | €3k | €9k | €7k | ▼ 25.4% |
| Furniture and vehicles24 | - | €3k | €2k | €1k | €2k | ▲ 12.7% |
| Other tangible fixed assets26 | - | €8k | €7k | €22k | €26k | ▲ 18.8% |
| Financial fixed assets28 | - | €730 | €728 | €728 | €728 | = |
| Current assets29/58 | €173k | €210k | €234k | €254k | €281k | ▲ 10.4% |
| Stocks and contracts in progress3 | €59k | €61k | €61k | €59k | €61k | ▲ 3.6% |
| Stocks30/36 | - | €61k | €61k | €59k | €61k | ▲ 3.6% |
| Amounts receivable within one year40/41 | €19k | €17k | €19k | €18k | €18k | ▼ 2.1% |
| Trade receivables40 | - | €8k | €6k | €3k | €2k | ▼ 35.8% |
| Other amounts receivable41 | - | €10k | €12k | €15k | €16k | ▲ 4.2% |
| Cash at bank and in hand54/58 | €79k | €116k | €137k | €159k | €180k | ▲ 13.6% |
| Deferred charges and accrued income490/1 | - | €16k | €17k | €18k | €21k | ▲ 17.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €185k | €223k | €247k | €288k | €316k | ▲ 9.9% |
| Equity10/15 | €137k | €165k | €175k | €210k | €231k | ▲ 10.0% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €131k | €159k | €169k | €204k | €225k | ▲ 10.3% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Tax-exempt reserves132 | - | €444 | €444 | €444 | €444 | = |
| Distributable reserves133 | - | €157k | €166k | €204k | €225k | ▲ 10.3% |
| Amounts payable17/49 | €48k | €58k | €72k | €77k | €85k | ▲ 9.8% |
| Amounts payable after more than one year17 | - | - | - | €11k | €7k | ▼ 40.0% |
| Financial debts170/4 | - | - | - | €11k | €7k | ▼ 40.0% |
| Amounts payable within one year42/48 | €46k | €58k | €72k | €66k | €78k | ▲ 18.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €4k | €4k | ▲ 4.9% |
| Trade debts44 | €38k | €45k | €55k | €41k | €48k | ▲ 16.5% |
| Suppliers440/4 | - | €45k | €55k | €41k | €48k | ▲ 16.5% |
| Taxes, remuneration and social security45 | - | €13k | €12k | €10k | €8k | ▼ 23.7% |
| Taxes450/3 | - | €7k | €5k | €6k | €2k | ▼ 72.0% |
| Remuneration and social security454/9 | - | €6k | €7k | €4k | €6k | ▲ 52.9% |
| Other amounts payable47/48 | - | - | €5k | €10k | €18k | ▲ 72.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32k | €28k | €15k | €46k | €39k | ▼ 15.0% |
| + Depreciation and write-downs630 | €8k | €5k | €5k | €5k | €6k | ▲ 17.2% |
| Operating cash flow (approximation) | €40k | €33k | €20k | €51k | €45k | ▼ 11.9% |
| Investment in fixed assets (approximation) | - | €-6k | €-5k | €-25k | €-8k | ▲ 68.5% |
| Change in cash | - | €37k | €21k | €22k | €22k | ▼ 1.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Highest result since 2018net €46k ▲209%
Operating result €71k, net result €46k, both a record.
31-12
Financial
Equity above €200kEq €210k ▲20.2%
6 profitable years in a row build equity to €210k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €165k ▲20.6%
4 profitable years in a row build equity to €165k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Equity above €100kEq €105k ▲20.6%
2 profitable years in a row build equity to €105k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Tremelo · 1 establishment unit since 2013
Ground area
228 m²
Building footprint
191 m²
Volume, LiDAR
1,895 m³
Parcel 24109C0238/00R007, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Press en Boekshop De Loft
since 20132.225.982.130
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109C0238/00R007 | Flanders | 228 m² | 1 · 191 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTremelo2.225.982.130
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Of 2,347 companies in sector 47621 we hold annual accounts for 1,248. 998 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
47252Retail sale of beverages, general range
92000Gambling and betting activities
Scores and ratios are computed by Checked and are not a credit decision.