ANDRE & DIRK VERHOEVEN
ActiveANDRE & DIRK VERHOEVEN has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €374k and a net result of €7k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 94% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▼-17
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 10.66 against 8.85 in 2024; short-term debt: 9.4% and cash: 76.9% of total assets), and 9.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
90.2%
Return on assets
1.6%
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 18-03-2026, 135 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
135 d early
2024
98 d early
2023
44 d early
2022
16 d late
2021
51 d early
2020
26 d late
2019
31 d late
← 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
€374k▲ 1.8%
2024 · €367k
2018: €555k
2019: €386k
2020: €375k
2021: €386k
2022: €388k
2023: €367k
2024: €367k
2018 → 2025
Total assets
€415k▼ 1.8%
2024 · €422k
2018: €570k
2019: €409k
2020: €395k
2021: €466k
2022: €446k
2023: €426k
2024: €422k
2018 → 2025
Net result
€7k▲ 642%
2024 · €892
2018: €-28k
2019: €5k
2020: €-11k
2021: €38k
2022: €2k
2023: €-21k
2024: €892
2018 → 2025
Working capital
€376k▲ 0.4%
2024 · €375k
2018: €529k
2019: €363k
2020: €358k
2021: €373k
2022: €381k
2023: €367k
2024: €375k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€386k-€388k▲ 0.5%€367k▼ 5.4%€367k▲ 0.2%€374k▲ 1.8%
Operating result€-1k-€21k€-35k€-19k▲ 44.5%€-3k▲ 82.1%
Net result€38k-€2k▼ 95.1%€-21k€892€7k▲ 642%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €19k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €415k
Equity
€374k▲ 1.8%
Debt
€41k▼ 25.6%
The debt ratio falls from 13.0% to 9.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-3k▲
2024 · €-15k
Cash flow
€7k▲
2024 · €5k
Solvency
90.2%▲
2024 · 87.0%
Current ratio
10.66▲
2024 · 8.85
Quick ratio
10.66▲
2024 · 8.34
Debt / equity
0.11▼
2024 · 0.15
ROE
1.8%▲
2024 · 0.2%
ROA
1.6%▲
2024 · 0.2%
Interest coverage
-1.62▼
2024 · 1.73
Debt
€41k▼
2024 · €55k
Debt ≤ 1 year
€39k▼
2024 · €48k
Income taxes
€1k▲
2024 · €520
Staff costs
€91k▲
2024 · €62k
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€422k€415k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€422k€415k▼
Stocks and contracts in progress3€24k€0▼
Stocks30/36€13k€0▼
Contracts in progress37€11k€0▼
Amounts receivable within one year40/41€37k€36k▼
Trade receivables40€23k€23k▼
Other amounts receivable41€14k€13k▼
Current investments50/53€142k€59k▼
Cash at bank and in hand54/58€218k€319k▲
Deferred charges and accrued income490/1€518€537▲
Equity and liabilities
Total equity and liabilities10/49€422k€415k▼
Equity10/15€367k€374k▲
Contributions10/11€157k€157k=
Reserves13€210k€217k▲
Distributable reserves133€210k€217k▲
Amounts payable17/49€55k€41k▼
Amounts payable within one year42/48€48k€39k▼
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3-€548
Remuneration and social security454/9€8k€11k▲
Other amounts payable47/48€33k€21k▼
Accrued charges and deferred income492/3€7k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€62k€91k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€0▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€48k€88k▲
Operating profit (loss)9901€-19k€-3k▲
Financial income75/76B€12k€13k▲
Recurring financial income75€12k€13k▲
Financial charges65/66B€-9k€2k▲
Recurring financial charges65€-9k€2k▲
Profit (loss) for the period before taxes9903€1k€8k▲
Income taxes67/77€520€1k▲
Profit (loss) for the period9904€892€7k▲
Profit (loss) for the period to be appropriated9905€892€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€892€7k▲
Transfer from equity791/2€0-
Transfer to equity691/2€892€7k▲
To other reserves6921€892€7k▲
The notes to these accounts (4 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
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €892
Net result €892 after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 16 days late
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
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
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, Duffel · 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.
Kruisstraat 142570 DuffelGround area
821 m²
Building footprint
222 m²
Volume, LiDAR
1,130 m³
Parcel 12009E0159/00W000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruisstraat 14, 2570 Duffel
since 19992.093.489.137
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12009E0159/00W000 | Flanders | 821 m² | 1 · 222 m² | 8.5 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
Legal Entity Identifier
967600BYLD4EAUU5R459
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KOBRIC
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CEVESAN
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Of 1,722 companies in sector 47521 we hold annual accounts for 1,289. 1,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-1999
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
52462
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.