ALGEMENE ONDERNEMING VAN DELM
ActiveALGEMENE ONDERNEMING VAN DELM has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.70M and a net result of €488k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 7719 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability82=
Solvency87=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 2.64; short-term debt: 25.5% and cash: 40.3% of total assets), and 38.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
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
61.9%
Return on assets
17.8%
Age of the figures
9 mo
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 13-04-2026, 109 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
109 d early
2025
77 d late
2024
2 d early
2023
7 d early
2022
22 d early
2021
8 d early
2020
36 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€1.70M=
2025 · €1.70M
2018: €1.64M
2019: €907k
2020: €1.04M
2021: €1.26M
2022: €1.36M
2023: €1.48M
2024: €1.65M
2025: €1.70M
2018 → 2025
Total assets
€2.74M=
2025 · €2.74M
2018: €3.67M
2019: €4.02M
2020: €3.97M
2021: €4.21M
2022: €3.79M
2023: €3.94M
2024: €2.67M
2025: €2.74M
2018 → 2025
Net result
€488k=
2025 · €488k
2018: €383k
2019: €269k
2020: €133k
2021: €221k
2022: €97k
2023: €123k
2024: €173k
2025: €488k
2018 → 2025
Working capital
€1.15M=
2025 · €1.15M
2018: €1.02M
2019: €582k
2020: €740k
2021: €959k
2022: €945k
2023: €1.06M
2024: €1.16M
2025: €1.15M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252025Trend
Equity€1.36M-€1.48M▲ 9.1%€1.65M▲ 11.7%€1.70M▲ 2.8%€1.70M=
Operating result€177k-€195k▲ 10.3%€85k▼ 56.4%€644k▲ 658%€644k=
Net result€97k-€123k▲ 26.7%€173k▲ 40.5%€488k▲ 182%€488k=
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2025 as the grey bar beneath
Assets €2.74M
Fixed assets
€894k=
Current assets
€1.85M=
Equity and liabilities €2.74M
Equity
€1.70M=
Provisions
€15k=
Debt
€1.03M=
The debt ratio stays at 37.5%.
Key figures and ratios
EBITDA
€743k=
2025 · €743k
Cash flow
€587k=
2025 · €587k
Solvency
61.9%=
2025 · 61.9%
Current ratio
2.64=
2025 · 2.64
Quick ratio
2.62=
2025 · 2.62
Debt / equity
0.61=
2025 · 0.61
ROE
28.7%=
2025 · 28.7%
ROA
17.8%=
2025 · 17.8%
Interest coverage
-734.67=
2025 · -734.67
Debt
€1.03M=
2025 · €1.03M
Debt ≤ 1 year
€700k=
2025 · €700k
Debt > 1 year
€297k=
2025 · €297k
Income taxes
€150k=
2025 · €150k
Staff costs
€155k=
2025 · €155k
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 2025
Balance sheet
Code20252025
Assets
Total assets20/58€2.74M€2.74M=
Fixed assets21/28€894k€894k=
Tangible fixed assets22/27€891k€891k=
Land and buildings22€636k€636k=
Plant, machinery and equipment23€20k€20k=
Furniture and vehicles24€34k€34k=
Leasing and similar rights25€200k€200k=
Financial fixed assets28€3k€3k=
Current assets29/58€1.85M€1.85M=
Stocks and contracts in progress3€15k€15k=
Contracts in progress37€15k€15k=
Amounts receivable within one year40/41€635k€635k=
Trade receivables40€613k€613k=
Other amounts receivable41€22k€22k=
Current investments50/53€94k€94k=
Cash at bank and in hand54/58€1.11M€1.11M=
Equity and liabilities
Total equity and liabilities10/49€2.74M€2.74M=
Equity10/15€1.70M€1.70M=
Contributions10/11€20k€20k=
Reserves13€64k€64k=
Tax-exempt reserves132€64k€64k=
Profit (loss) carried forward14€1.61M€1.61M=
Provisions and deferred taxes16€15k€15k=
Deferred taxes168€15k€15k=
Amounts payable17/49€1.03M€1.03M=
Amounts payable after more than one year17€297k€297k=
Financial debts170/4€297k€297k=
Amounts payable within one year42/48€700k€700k=
Current portion of amounts payable after more than one year42€120k€120k=
Trade debts44€245k€245k=
Suppliers440/4€245k€245k=
Taxes, remuneration and social security45€59k€59k=
Taxes450/3€49k€49k=
Remuneration and social security454/9€11k€11k=
Other amounts payable47/48€276k€276k=
Accrued charges and deferred income492/3€31k€31k=
Income statement
Code20252025
Non-recurring operating income76A€76k€76k=
Remuneration, social security and pensions62€155k€155k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€99k=
Other operating charges640/8€16k€16k=
Gross operating margin9900€913k€913k=
Operating profit (loss)9901€644k€644k=
Financial income75/76B€8k€8k=
Recurring financial income75€8k€8k=
Financial charges65/66B€-1k€-1k=
Recurring financial charges65€-1k€-1k=
Profit (loss) for the period before taxes9903€653k€653k=
Transfer from deferred taxes780€4k€4k=
Transfer to deferred taxes680€19k€19k=
Income taxes67/77€150k€150k=
Profit (loss) for the period9904€488k€488k=
Transfer from tax-exempt reserves789€11k€11k=
Transfer to tax-exempt reserves689€57k€57k=
Profit (loss) for the period to be appropriated9905€442k€442k=
Appropriation of the result
Profit (loss) to be appropriated9906€2.06M€2.06M=
Profit (loss) brought forward from the previous period14P€1.61M€1.61M=
Profit to be distributed694/7€442k€442k=
Return on contributions (dividend)694€442k€442k=
Social balance
Average headcount (FTE)90873.03.0=
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 77 days late
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €97k ▼56%
Net result drops to €97k, the lowest in the series; recovery starts the following year.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €1MEq €1.04M ▲14.7%
3 profitable years in a row build equity to €1.04M.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Puurs-Sint-Amands · 1 establishment unit since 2003
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.
Dendermondsesteenweg 1102870 Puurs-Sint-AmandsGround area
121 m²
Building footprint
121 m²
Volume, LiDAR
778 m³
Parcel 12022B0201/00H000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dendermondsesteenweg 110, 2870 Puurs-Sint-Amands
since 20032.123.564.481
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12022B0201/00H000 | Flanders | 121 m² | 1 · 121 m² | 8.3 m · 2 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.
Recognitions · licences · registrations
Recognised contractor
5 categoriesALGEMENE ONDERNEMING VAN DELM BV28602
Legal Entity Identifier
9676008Q7C3J7XVJZP88
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Of 8,454 companies in sector 43120 we hold annual accounts for 3,232. 1,331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2002
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
45112
49410Freight transport by road
43110Demolition
45111
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.