BOCKSTAELE
ActiveBOCKSTAELE has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €24k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 7318 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-62
Solvency92▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 2.0 in 2024), and 49% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
51%
Return on assets
3.9%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 3 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
38 d early
2023
8 d early
2022
28 d early
2021
22 d late
2020
30 d late
2019
32 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€317k▲ 7.9%
2024 · €294k
2018: €133k
2019: €133k
2020: €159k
2021: €139k
2022: €175k
2023: €210k
2024: €294k
2018 → 2025
Total assets
€622k▼ 8.8%
2024 · €682k
2018: €344k
2019: €349k
2020: €380k
2021: €385k
2022: €402k
2023: €499k
2024: €682k
2018 → 2025
Net result
€24k▼ 71.1%
2024 · €83k
2018: €1k
2019: €828
2020: €26k
2021: €34k
2022: €36k
2023: €36k
2024: €83k
2018 → 2025
Working capital
€228k▼ 20.3%
2024 · €286k
2018: €68k
2019: €95k
2020: €116k
2021: €96k
2022: €147k
2023: €185k
2024: €286k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€175k▲ 25.6%€210k▲ 20.4%€294k▲ 39.7%€317k▲ 7.9%
Operating result€49k-€55k▲ 11.5%€58k▲ 5.8%€133k▲ 130%€63k▼ 52.9%
Net result€34k-€36k▲ 3.7%€36k▲ 0.2%€83k▲ 134%€24k▼ 71.1%
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 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €622k
Fixed assets
€127k▲ 14.0%
Current assets
€495k▼ 13.3%
Equity and liabilities €622k
Equity
€317k▲ 7.9%
Provisions
€2k▼ 20.0%
Debt
€302k▼ 21.5%
The debt ratio falls from 56.5% to 48.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€94k▼
2024 · €145k
Cash flow
€56k▼
2024 · €96k
Solvency
51.0%▲
2024 · 43.1%
Current ratio
1.85▼
2024 · 2.00
Quick ratio
1.71▲
2024 · 1.17
Debt / equity
0.95▼
2024 · 1.31
ROE
7.6%▼
2024 · 28.4%
ROA
3.9%▼
2024 · 12.2%
Interest coverage
4.66▼
2024 · 7.46
Debt
€302k▼
2024 · €385k
Debt ≤ 1 year
€267k▼
2024 · €285k
Debt > 1 year
€35k▼
2024 · €100k
Income taxes
€19k▼
2024 · €27k
Staff costs
€6k▼
2024 · €58k
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€682k€622k▼
Fixed assets21/28€111k€127k▲
Tangible fixed assets22/27€111k€127k▲
Land and buildings22€5k€3k▼
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€93k€113k▲
Current assets29/58€571k€495k▼
Amounts receivable after more than one year29€125k€125k=
Other amounts receivable291€125k€125k=
Stocks and contracts in progress3€236k€37k▼
Stocks30/36€236k€37k▼
Amounts receivable within one year40/41€30k€35k▲
Trade receivables40€13k€21k▲
Other amounts receivable41€18k€14k▼
Cash at bank and in hand54/58€177k€296k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€682k€622k▼
Equity10/15€294k€317k▲
Contributions10/11€19k€19k=
Reserves13€275k€298k▲
Tax-exempt reserves132€34k€10k▼
Distributable reserves133€241k€289k▲
Provisions and deferred taxes16€3k€2k▼
Provisions for liabilities and charges160/5€3k€2k▼
Taxes161€3k€2k▼
Amounts payable17/49€385k€302k▼
Amounts payable after more than one year17€100k€35k▼
Financial debts170/4€100k€35k▼
Amounts payable within one year42/48€285k€267k▼
Current portion of amounts payable after more than one year42€25k€12k▼
Trade debts44€36k€14k▼
Suppliers440/4€36k€14k▼
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€12k€14k▲
Other amounts payable47/48€212k€229k▲
Income statement
Code20242025
Non-recurring operating income76A€15k-
Remuneration, social security and pensions62€58k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€31k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€205k€102k▼
Operating profit (loss)9901€133k€63k▼
Financial income75/76B€15-
Recurring financial income75€15-
Financial charges65/66B€19k€20k▲
Recurring financial charges65€19k€20k▲
Profit (loss) for the period before taxes9903€114k€43k▼
Transfer from deferred taxes780-€600
Transfer to deferred taxes680€3k-
Income taxes67/77€27k€19k▼
Profit (loss) for the period9904€83k€24k▼
Transfer from tax-exempt reserves789-€25k
Transfer to tax-exempt reserves689€12k-
Profit (loss) for the period to be appropriated9905€71k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€49k▼
Transfer to equity691/2€71k€48k▼
To other reserves6921€71k€48k▼
Profit to be distributed694/7-€854
Return on contributions (dividend)694-€854
The notes to these accounts (6 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
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €83k ▲134%
Operating result €133k, net result €83k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €210k ▲20.4%
6 profitable years in a row build equity to €210k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €175k ▲25.6%
5 profitable years in a row build equity to €175k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €150kEq €159k ▲19%
3 profitable years in a row build equity to €159k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €828 ▼17.9%
Net result drops to €828, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
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, Lede · 1 establishment unit since 1998
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.
Stichelendries 529340 LedeGround area
991 m²
Building footprint
242 m²
Volume, LiDAR
1,354 m³
Parcel 41052E0308/00N000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stichelendries 52, 9340 Lede
since 19982.087.229.964
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41052E0308/00N000 | Flanders | 991 m² | 1 · 242 m² | 9.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 774 EUR awarded · 774 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 471 EUR | 471 EUR |
| 2022 | 1 | 303 EUR | 303 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
2 live approvalsMetselaar (vwo)
Ruwbouw duaal (so)
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 10,722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-1998
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.