VERVICARRELAGE
ActiveVERVICARRELAGE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €265k and a net result of €-67k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-36
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 35.28 against 22.3 in 2024; short-term debt: 2.8% and cash: 31.9% of total assets), and 22.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-67k
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
29 d early
2023
57 d early
2022
34 d early
2021
54 d early
2020
53 d early
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€265k▼ 20.2%
2024 · €332k
2018: €166k
2019: €235k
2020: €292k
2021: €310k
2022: €339k
2023: €335k
2024: €332k
2018 → 2025
Total assets
€343k▼ 12.3%
2024 · €391k
2018: €196k
2019: €298k
2020: €338k
2021: €338k
2022: €395k
2023: €374k
2024: €391k
2018 → 2025
Net result
€-67k▼ 2,149%
2024 · €-3k
2018: €53k
2019: €69k
2020: €57k
2021: €19k
2022: €29k
2023: €-4k
2024: €-3k
2018 → 2025
Working capital
€333k▼ 10.8%
2024 · €374k
2018: €165k
2019: €231k
2020: €284k
2021: €307k
2022: €365k
2023: €353k
2024: €374k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€310k-€339k▲ 9.2%€335k▼ 1.2%€332k▼ 0.9%€265k▼ 20.2%
Operating result€60k-€75k▲ 25.0%€28k▼ 63.4%€32k▲ 14.5%€-36k
Net result€19k-€29k▲ 52.9%€-4k€-3k▲ 25.0%€-67k▼ 2,149%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €36k after €32k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €343k
Equity
€265k▼ 20.2%
Debt
€78k▲ 31.9%
The debt ratio rises from 15.2% to 22.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
77.2%▼
2024 · 84.8%
Current ratio
35.28▲
2024 · 22.30
Quick ratio
35.28▲
2024 · 22.30
Debt / equity
0.30▲
2024 · 0.18
ROE
-25.4%▼
2024 · -0.9%
ROA
-19.6%▼
2024 · -0.8%
Debt
€78k▲
2024 · €59k
Debt ≤ 1 year
€10k▼
2024 · €18k
Debt > 1 year
€68k▲
2024 · €40k
Income taxes
€278▲
2024 · €274
Staff costs
€97k▼
2024 · €126k
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€391k€343k▼
Current assets29/58€391k€343k▼
Amounts receivable within one year40/41€128k€32k▼
Trade receivables40€93k€0▼
Other amounts receivable41€35k€32k▼
Current investments50/53€202k€199k▼
Cash at bank and in hand54/58€60k€109k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€391k€343k▼
Equity10/15€332k€265k▼
Contributions10/11€12k€12k=
Outside capital11€12k-
Share premium1100/10€12k-
Reserves13€320k€252k▼
Distributable reserves133€320k€252k▼
Amounts payable17/49€59k€78k▲
Amounts payable after more than one year17€40k€68k▲
Financial debts170/4€40k€68k▲
Amounts payable within one year42/48€18k€10k▼
Current portion of amounts payable after more than one year42€10k€9k▼
Trade debts44€337€392▲
Suppliers440/4€337€392▲
Taxes, remuneration and social security45€7k€163▼
Taxes450/3€349€163▼
Remuneration and social security454/9€7k€0▼
Accrued charges and deferred income492/3€2k€697▼
Income statement
Code20242025
Remuneration, social security and pensions62€126k€97k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€120
Gross operating margin9900€159k€62k▼
Operating profit (loss)9901€32k€-36k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€36k€33k▼
Recurring financial charges65€36k€33k▼
Profit (loss) for the period before taxes9903€-3k€-67k▼
Income taxes67/77€274€278▲
Profit (loss) for the period9904€-3k€-67k▼
Profit (loss) for the period to be appropriated9905€-3k€-67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-67k▼
Transfer from equity791/2€3k€67k▲
The notes to these accounts (8 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-67k
Net result drops to €-67k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €69k ▲29.7%
Net result €69k, the highest in the series.
31-12
Financial
Equity above €200kEq €235k ▲41.2%
2 profitable years in a row build equity to €235k.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Verviers · 1 establishment unit since 2014
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.
Ch. de la Bruyère 174801 Verviers1 establishment unit
VERVICARRELAGE
since 20142.233.697.885
Recognitions · licences · registrations
Legal Entity Identifier
549300KQE842VIGBET05
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Of 3,962 companies in sector 43331 we hold annual accounts for 1,791. 1,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2014
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.