BENJAMIN DE CLERCQ
ActiveBENJAMIN DE CLERCQ has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €499k and a net result of €87k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84=
Solvency95▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 5.0 in 2024; short-term debt: 30.2% and cash: 29.6% of total assets), and 30.2% 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
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 · 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
69.8%
Return on assets
12.2%
Age of the figures
9 mo
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
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
58 d early
2023
70 d early
2022
76 d early
2021
72 d early
2020
58 d early
2019
35 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€499k▼ 4.1%
2024 · €520k
2018: €228k
2019: €284k
2020: €346k
2021: €371k
2022: €365k
2023: €444k
2024: €520k
2018 → 2025
Total assets
€714k▲ 14.3%
2024 · €625k
2018: €301k
2019: €358k
2020: €422k
2021: €492k
2022: €508k
2023: €551k
2024: €625k
2018 → 2025
Net result
€87k▲ 14.7%
2024 · €76k
2018: €38k
2019: €65k
2020: €62k
2021: €70k
2022: €53k
2023: €79k
2024: €76k
2018 → 2025
Working capital
€416k▼ 0.5%
2024 · €418k
2018: €136k
2019: €187k
2020: €230k
2021: €267k
2022: €274k
2023: €362k
2024: €418k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€371k-€365k▼ 1.4%€444k▲ 21.6%€520k▲ 17.1%€499k▼ 4.1%
Operating result€100k-€77k▼ 22.9%€116k▲ 50.5%€102k▼ 11.9%€118k▲ 16.0%
Net result€70k-€53k▼ 24.1%€79k▲ 48.2%€76k▼ 3.9%€87k▲ 14.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €714k
Fixed assets
€83k▼ 18.9%
Current assets
€632k▲ 20.8%
Equity and liabilities €714k
Equity
€499k▼ 4.1%
Debt
€216k▲ 106%
The debt ratio rises from 16.7% to 30.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€137k▲
2024 · €119k
Cash flow
€106k▲
2024 · €93k
Solvency
69.8%▼
2024 · 83.3%
Current ratio
2.93▼
2024 · 5.00
Quick ratio
2.89▼
2024 · 4.96
Debt / equity
0.43▲
2024 · 0.20
ROE
17.5%▲
2024 · 14.6%
ROA
12.2%▲
2024 · 12.1%
Interest coverage
25.57▲
2024 · 18.77
Debt
€216k▲
2024 · €105k
Debt ≤ 1 year
€216k▲
2024 · €105k
Income taxes
€35k▲
2024 · €27k
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€625k€714k▲
Fixed assets21/28€102k€83k▼
Tangible fixed assets22/27€102k€83k▼
Land and buildings22€65k€57k▼
Plant, machinery and equipment23€2k€632▼
Furniture and vehicles24€35k€25k▼
Current assets29/58€523k€632k▲
Stocks and contracts in progress3€5k€8k▲
Stocks30/36€5k€8k▲
Amounts receivable within one year40/41€3k€7k▲
Trade receivables40€3k€7k▲
Other amounts receivable41-€550
Current investments50/53€300k€401k▲
Cash at bank and in hand54/58€211k€211k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€625k€714k▲
Equity10/15€520k€499k▼
Contributions10/11€20k€20k=
Reserves13€500k€479k▼
Distributable reserves133€500k€479k▼
Amounts payable17/49€105k€216k▲
Amounts payable within one year42/48€105k€216k▲
Current portion of amounts payable after more than one year42€3k-
Trade debts44€20k€20k▼
Suppliers440/4€20k€20k▼
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€922€8k▲
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48€76k€184k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€19k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€121k€139k▲
Operating profit (loss)9901€102k€118k▲
Financial income75/76B€8k€10k▲
Recurring financial income75€8k€10k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€103k€122k▲
Income taxes67/77€27k€35k▲
Profit (loss) for the period9904€76k€87k▲
Profit (loss) for the period to be appropriated9905€76k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€87k▲
Transfer from equity791/2-€108k
Transfer to equity691/2€76k€87k▲
To other reserves6921€76k€87k▲
Profit to be distributed694/7-€108k
Return on contributions (dividend)694-€108k
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €87k ▲14.7%
Operating result €118k, net result €87k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €520k ▲17.1%
7 profitable years in a row build equity to €520k.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
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
4 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, Overijse · 1 establishment unit since 2009
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.
Fr. Verbeekstraat 2143090 OverijseGround area
840 m²
Building footprint
177 m²
Volume, LiDAR
1,346 m³
Parcel 23062B0130/00R005, Flanders · tallest building 18.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DE CLERCQ BENJAMIN VOF
since 20092.184.322.808
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0130/00R005 | Flanders | 840 m² | 1 · 177 m² | 18.1 m · 3 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 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,016 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2010
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.