Bart Dellobel
ActiveBart Dellobel has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €274k and a net result of €32k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 68% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-5
Solvency85▲+8
Growth52=
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 3.83 against 2.33 in 2024; short-term debt: 14.8% and cash: 0.9% of total assets), and 39.6% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
60.4%
Return on assets
7.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
28 d late
2024
21 d early
2023
55 d early
2022
47 d early
2021
52 d early
2020
44 d early
2019
4 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€274k▲ 13.4%
2024 · €242k
2018: €81k
2019: €147k
2020: €206k
2021: €286k
2022: €341k
2023: €273k
2024: €242k
2018 → 2025
Total assets
€454k▼ 2.5%
2024 · €465k
2018: €177k
2019: €299k
2020: €391k
2021: €404k
2022: €407k
2023: €466k
2024: €465k
2018 → 2025
Net result
€32k▼ 37.1%
2024 · €51k
2018: €69k
2019: €66k
2020: €61k
2021: €80k
2022: €50k
2023: €14k
2024: €51k
2018 → 2025
Working capital
€189k▲ 13.9%
2024 · €166k
2018: €32k
2019: €109k
2020: €116k
2021: €200k
2022: €286k
2023: €192k
2024: €166k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€286k-€341k▲ 19.4%€273k▼ 20.0%€242k▼ 11.4%€274k▲ 13.4%
Operating result€105k-€65k▼ 38.3%€21k▼ 67.2%€69k▲ 224%€48k▼ 29.7%
Net result€80k-€50k▼ 37.5%€14k▼ 71.1%€51k▲ 255%€32k▼ 37.1%
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 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454k
Fixed assets
€198k▲ 13.3%
Current assets
€256k▼ 11.9%
Equity and liabilities €454k
Equity
€274k▲ 13.4%
Debt
€180k▼ 19.6%
The debt ratio falls from 48.0% to 39.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€100k▼
2024 · €108k
Cash flow
€84k▼
2024 · €91k
Solvency
60.4%▲
2024 · 52.0%
Current ratio
3.83▲
2024 · 2.33
Quick ratio
3.57▲
2024 · 2.33
Debt / equity
0.66▼
2024 · 0.92
ROE
11.8%▼
2024 · 21.2%
ROA
7.1%▼
2024 · 11.0%
Interest coverage
16.87▼
2024 · 23.27
Debt
€180k▼
2024 · €224k
Debt ≤ 1 year
€67k▼
2024 · €125k
Debt > 1 year
€113k▲
2024 · €99k
Income taxes
€10k▼
2024 · €13k
Staff costs
€93k▲
2024 · €90k
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€465k€454k▼
Fixed assets21/28€175k€198k▲
Tangible fixed assets22/27€174k€197k▲
Plant, machinery and equipment23€81k€66k▼
Furniture and vehicles24€87k€119k▲
Other tangible fixed assets26€7k€12k▲
Financial fixed assets28€283€283=
Current assets29/58€291k€256k▼
Stocks and contracts in progress3-€17k
Contracts in progress37-€17k
Amounts receivable within one year40/41€273k€227k▼
Trade receivables40€24k€6k▼
Other amounts receivable41€248k€222k▼
Cash at bank and in hand54/58€12k€4k▼
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€465k€454k▼
Equity10/15€242k€274k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€223k€255k▲
Amounts payable17/49€224k€180k▼
Amounts payable after more than one year17€99k€113k▲
Financial debts170/4€99k€113k▲
Amounts payable within one year42/48€125k€67k▼
Current portion of amounts payable after more than one year42€27k€44k▲
Trade debts44€9k€18k▲
Suppliers440/4€9k€18k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€1k€0▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€83k€0▼
Income statement
Code20242025
Non-recurring operating income76A€19k€0▼
Remuneration, social security and pensions62€90k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€52k▲
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€201k€198k▼
Operating profit (loss)9901€69k€48k▼
Financial income75/76B€114€27▼
Recurring financial income75€114€27▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€64k€42k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€51k€32k▼
Profit (loss) for the period to be appropriated9905€51k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€306k€255k▼
Profit (loss) brought forward from the previous period14P€254k€223k▼
Profit to be distributed694/7€83k€0▼
Return on contributions (dividend)694€83k€0▼
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €14k ▼71.1%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €80k ▲31.8%
Operating result €105k, net result €80k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €206k ▲40.8%
3 profitable years in a row build equity to €206k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €147k ▲81.1%
2 profitable years in a row build equity to €147k.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Diksmuide · 1 establishment unit since 2017
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.
Vladslostraat 128600 DiksmuideGround area
1,115 m²
Building footprint
265 m²
Volume, LiDAR
1,669 m³
Parcel 32472A0311/00S004, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bart Dellobel
since 20172.273.018.816
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32472A0311/00S004 | Flanders | 1,115 m² | 1 · 265 m² | 10.9 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.
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 11,242 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.