BACKX WERNER
ActiveSummary
The annual accounts of BACKX WERNER for fiscal year 2025 show a net loss of 87% of the equity at the start of that year. The 2025 annual accounts show equity of €7,940 and a net result of -€54,141. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 11% of 28806 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-69
Solvency30▼-29
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.94 against 1.35 in 2024; short-term debt: 94.3% and cash: 3.7% of total assets), and 95.1% of the assets are financed with debt.
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Signals
Six 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
Specialised construction activities (NACE 43)
about 85% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
4.9%
Return on assets
-33.3%
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 11% of 28806 sector peers (2025).
NBB · sector comparisonPosition among 28806 sector peers
Solvency
better than 11%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
54 d late
2023
9 d early
2022
23 d late
2021
120 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 44 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 23 August (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€7,940▼ 87.2%
2024 · €62,080
Total assets
€162,759▼ 10.1%
2024 · €181,078
Net result
-€54,141
2024 · €363
Working capital
-€9,820
2024 · €36,930
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€2,081€5,500-€9,052€3,926-€51,141
Net result-€7,042below the sector's middle half€414below the sector's middle half-€13,797below the sector's middle half€363within the sector's middle half-€54,141below the sector's middle half
Equity€75,101within the sector's middle half▼ 8.6%€75,514within the sector's middle half▲ 0.6%€61,718within the sector's middle half▼ 18.3%€62,080within the sector's middle half▲ 0.6%€7,940below the sector's middle half▼ 87.2%
Total assets€204,577within the sector's middle half▼ 2.0%€222,748within the sector's middle half▲ 8.9%€184,365within the sector's middle half▼ 17.2%€181,078within the sector's middle half▼ 1.8%€162,759within the sector's middle half▼ 10.1%
Debt€129,476▲ 2.3%€147,234▲ 13.7%€122,647▼ 16.7%€118,997▼ 3.0%€154,819▲ 30.1%
Working capital€62,568within the sector's middle half▼ 17.8%€63,077within the sector's middle half▲ 0.8%€44,833within the sector's middle half▼ 28.9%€36,930within the sector's middle half▼ 17.6%-€9,820below the sector's middle half
Solvency36.7%within the sector's middle half▼ 2.6pp33.9%within the sector's middle half▼ 2.8pp33.5%within the sector's middle half▼ 0.4pp34.3%within the sector's middle half▲ 0.8pp4.9%below the sector's middle half▼ 29.4pp
Current ratio1.77within the sector's middle half▼ 0.291.58within the sector's middle half▼ 0.191.47within the sector's middle half▼ 0.111.35within the sector's middle half▼ 0.120.94below the sector's middle half▼ 0.41
Return on assets (ROA)-3.4%below the sector's middle half▼ 6.4pp0.2%below the sector's middle half▲ 3.6pp-7.5%below the sector's middle half▼ 7.7pp0.2%within the sector's middle half▲ 7.7pp-33.3%below the sector's middle half▼ 33.5pp
Staff (FTE)6.6▲ 10.0%7.2▲ 9.1%7.1▼ 1.4%8.3▲ 16.9%5.4▼ 34.9%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 turns negative in 2025: a loss of €51,141 after €3,926 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162,759
Fixed assets
€19,019 ▼ 48.9%
Current assets
€143,739 ▼ 0.1%
Equity and liabilities €162,759
Equity
€7,940 ▼ 87.2%
Debt
€154,819 ▲ 30.1%
Debt's share of the balance-sheet total rises from 65.7% to 95.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€34,046▼
2024 · €26,147
Cash flow
-€37,045▼
2024 · €22,584
Quick ratio
0.87▼
2024 · 1.22
Debt to equity
19.50▲
2024 · 1.92
ROE
-681.9%▼
2024 · 0.6%
Interest coverage
-11.14▼
2024 · 6.48
Debt ≤ 1 year
€153,559▲
2024 · €106,947
Debt > 1 year
€1,162▼
2024 · €12,016
Staff costs
€299,175▼
2024 · €460,241
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 540 companies that looked in July 2024 the way this one looks now, 5.2% went bankrupt within 24 months and 86% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a loss of 10% of the balance sheet or more
5.2%
went bankrupt
8.3%
stopped otherwise
86%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 540 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €6,300 | - | - | - | €1,200 | - |
| Remuneration, social security and pensions62 | €324,772 | €387,878 | €357,869 | €460,241 | €299,175 | ▼ 35.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,509 | €22,968 | €26,664 | €22,221 | €17,096 | ▼ 23.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €8,500 | - | - | - | - | - |
| Other operating charges640/8 | €2,305 | €3,278 | €4,609 | €3,932 | €3,074 | ▼ 21.8% |
| Non-recurring operating charges66A | - | - | - | - | €3,407 | - |
| Gross operating margin9900 | €354,005 | €419,624 | €380,090 | €490,321 | €271,611 | ▼ 44.6% |
| Operating profit (loss)9901 | -€2,081 | €5,500 | -€9,052 | €3,926 | -€51,141 | ▼ 1,403% |
| Financial income75/76B | €240 | €633 | €89 | €472 | €57 | ▼ 88.0% |
| Recurring financial income75 | €240 | €633 | €89 | €472 | €57 | ▼ 88.0% |
| Financial charges65/66B | €5,140 | €5,733 | €4,773 | €4,035 | €3,056 | ▼ 24.3% |
| Recurring financial charges65 | €5,140 | €5,733 | €4,773 | €4,035 | €3,056 | ▼ 24.3% |
| Profit (loss) for the period before taxes9903 | -€6,981 | €400 | -€13,735 | €363 | -€54,141 | ▼ 15,033% |
| Income taxes67/77 | €62 | -€13 | €62 | €0 | - | - |
| Profit (loss) for the period9904 | -€7,042 | €414 | -€13,797 | €363 | -€54,141 | ▼ 15,033% |
| Profit (loss) for the period to be appropriated9905 | -€7,042 | €414 | -€13,797 | €363 | -€54,141 | ▼ 15,033% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €204,577 | €222,748 | €184,365 | €181,078 | €162,759 | ▼ 10.1% |
| Fixed assets21/28 | €60,905 | €50,614 | €43,844 | €37,200 | €19,019 | ▼ 48.9% |
| Tangible fixed assets22/27 | €60,905 | €50,614 | €43,844 | €37,200 | €19,019 | ▼ 48.9% |
| Land and buildings22 | €30,523 | €21,982 | €13,441 | €4,901 | €747 | ▼ 84.8% |
| Plant, machinery and equipment23 | €4,044 | €1,311 | €1,030 | €791 | €551 | ▼ 30.3% |
| Furniture and vehicles24 | €2,955 | €1,919 | €1,673 | €13,736 | €9,875 | ▼ 28.1% |
| Leasing and similar rights25 | €22,208 | €24,482 | €27,035 | €17,365 | €7,694 | ▼ 55.7% |
| Other tangible fixed assets26 | €1,176 | €920 | €664 | €408 | €152 | ▼ 62.7% |
| Current assets29/58 | €143,671 | €172,135 | €140,521 | €143,877 | €143,739 | ▼ 0.1% |
| Stocks and contracts in progress3 | €12,347 | €19,370 | €4,232 | €13,095 | €10,122 | ▼ 22.7% |
| Stocks30/36 | €5,732 | €7,652 | €4,232 | €1,112 | €10,122 | ▲ 810% |
| Contracts in progress37 | €6,615 | €11,718 | €0 | €11,983 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €130,098 | €126,326 | €65,948 | €125,206 | €127,369 | ▲ 1.7% |
| Trade receivables40 | €128,549 | €126,326 | €65,948 | €125,206 | €108,191 | ▼ 13.6% |
| Other amounts receivable41 | €1,549 | - | - | - | €19,179 | - |
| Cash at bank and in hand54/58 | €439 | €25,832 | €69,168 | €5,180 | €5,982 | ▲ 15.5% |
| Deferred charges and accrued income490/1 | €788 | €607 | €1,173 | €396 | €266 | ▼ 32.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €204,577 | €222,748 | €184,365 | €181,078 | €162,759 | ▼ 10.1% |
| Equity10/15 | €75,101 | €75,514 | €61,718 | €62,080 | €7,940 | ▼ 87.2% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €63,143 | €63,143 | €63,143 | €63,143 | €63,143 | = |
| Non-distributable reserves130/1 | €1,900 | €1,900 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,900 | €1,900 | €0 | - | - | - |
| Distributable reserves133 | €61,243 | €61,243 | €63,143 | €63,143 | €63,143 | = |
| Profit (loss) carried forward14 | -€7,042 | -€6,629 | -€20,426 | -€20,063 | -€74,204 | ▼ 270% |
| Amounts payable17/49 | €129,476 | €147,234 | €122,647 | €118,997 | €154,819 | ▲ 30.1% |
| Amounts payable after more than one year17 | €48,325 | €38,177 | €26,959 | €12,016 | €1,162 | ▼ 90.3% |
| Financial debts170/4 | €48,325 | €38,177 | €26,959 | €12,016 | €1,162 | ▼ 90.3% |
| Amounts payable within one year42/48 | €81,103 | €109,057 | €95,688 | €106,947 | €153,559 | ▲ 43.6% |
| Current portion of amounts payable after more than one year42 | €20,460 | €18,770 | €21,906 | €25,942 | €10,318 | ▼ 60.2% |
| Financial debts43 | €8,064 | - | - | €6,214 | €5,975 | ▼ 3.9% |
| Credit institutions430/8 | €8,064 | - | - | €6,214 | €5,975 | ▼ 3.9% |
| Trade debts44 | €19,710 | €57,175 | €23,967 | €33,377 | €86,628 | ▲ 160% |
| Suppliers440/4 | €19,710 | €57,175 | €23,967 | €33,377 | €86,628 | ▲ 160% |
| Taxes, remuneration and social security45 | €17,888 | €15,842 | €29,116 | €8,521 | €18,620 | ▲ 119% |
| Taxes450/3 | €7,723 | €3,977 | €9,616 | €5,119 | €2,347 | ▼ 54.1% |
| Remuneration and social security454/9 | €10,166 | €11,864 | €19,500 | €3,402 | €16,272 | ▲ 378% |
| Other amounts payable47/48 | €14,980 | €17,271 | €20,698 | €32,892 | €32,019 | ▼ 2.7% |
| Accrued charges and deferred income492/3 | €48 | - | - | €34 | €98 | ▲ 186% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,042 | €414 | -€13,797 | €363 | -€54,141 | ▼ 15,033% |
| + Depreciation and write-downs630 | €20,509 | €22,968 | €26,664 | €22,221 | €17,096 | ▼ 23.1% |
| Operating cash flow (approximation) | €13,466 | €23,382 | €12,867 | €22,584 | -€37,045 | ▼ 264% |
| Investment in fixed assets (approximation) | - | -€12,677 | -€19,894 | -€15,578 | €1,085 | ▲ 107% |
| Change in cash | - | €25,393 | €43,336 | -€63,988 | €802 | ▲ 101% |
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€54,141
Net result drops to -€54,141, the lowest in the series.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Back to profitnet €363
Net result €363 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Back to profitnet €414
Net result €414 after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Zoersel · 2 establishment units since 2001
Ground area
1.4 ha
Building footprint
7,693 m²
Volume, LiDAR
55,445 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SCHILDERWERKEN WERNER BACKX
since 20012.100.206.683
Backx Werner
since 20132.215.346.277
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0055/02D002 | Flanders | 1.3 ha | 1 · 7,541 m² | 9.2 m · 2 fl. |
| 11055A0354/00S000 | Flanders | 834 m² | 1 · 152 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 44,297 EUR awarded · 44,297 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,275 EUR | 3,275 EUR |
| 2024 | 2 | 9,435 EUR | 9,435 EUR |
| 2023 | 2 | 9,043 EUR | 9,043 EUR |
| 2022 | 1 | 22,544 EUR | 22,544 EUR |
Recognitions · licences · registrations
Dual-learning approval
1 live approval · 2 endedMedewerker schilder- en behangwerken duaal (so)
Show 2 ended approvals
Schilder (so)
Schilder-decorateur (so)
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Of 7,862 companies in this sector we hold annual accounts for 2,666. 1,471 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded15-01-2001
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43350Other building finishing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473815405
Also
9925:BE0473815405
Registered
15-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.