Equity
€69,401 from €231,993 in 2018
Equity fell by 70% in 7 years.
LODE DECLERCK
Lifetime
10 annual accounts with figures on one time axispeak €154,222 (2023)
€121,054▲ 8.6%
peak €123,218 (2021)
€49,401▲ 34.7%
peak €231,993 (2018)
€69,401▲ 18.3%
€896,192▼ 0.4%
Board2 names since 2015
1 directorDECLERCK Lode
Documentsfilings and deeds
28-09-202659 days late
2025micro format
Result from €36,666 to €49,401Dividend €38,666Equity from €58,666 to €69,401
Key points
from the 2025 annual accountsChecked score
87
Excellent
Financially stronger than 41% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: 0.2%▲ +0.1 percentage points vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.2%▲ +0.1 percentage points vs 02-2026
04-2026: 0.1%▼ -0.1 percentage points vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.5%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -0.3 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 59 days late; 1 of the last 3 accounts late
Equity €69,401 (7.2% of total assets)
lowers risk
Size: total assets €965,593
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 14% of them on solvency, 43% on liquidity, 40% on profitability and 65% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 536 companies had the same profile as LODE DECLERCK has now. Each dot stands for 2 companies, two years later.
95.9%
were still trading
3.4%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of LODE DECLERCK itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 536 companies, not a prediction for LODE DECLERCK. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.67 (0.63 in 2024), below 1. Short-term debt is 24.6% and cash 13.1% of total assets. 92.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 11794 sector peers (2025).
NBB · sector comparisonPosition among 11794 sector peers
Solvency
better than 13%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €69,401
raises risk · 2025 accounts filed 59 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
59 days late
2024
6 days early
2023
26 days late
2022
31 days late
2021
3 days early
2020
51 days early
2019
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days after the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0629991739
1 director appointed, 1 resignation, 1 reappointment
Resignation: DECLERCK Lode (statutory director) · Reappointment: DECLERCK Lode (director) · Appointment: VERSTRAETE Liesbeth Esther (successor director) · General meeting of 21-11-2023 · Gazette deed
Incorporation
published on 15-05-2015 · Gazette deed
First establishment
Sint-Eloois-Winkelsestraat 10, Roeselare
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LODE DECLERCK Roeselare | €1.0m | €121,054 | 7.2% | - |
| SOLUMATIC Bruges | €0.8m | €120,858 | 22.3% | - |
| VENAZ Antwerp | €1.1m | €134,039 | 12.9% | - |
| MELZALIE Auderghem | €1.1m | €137,893 | 33.9% | - |
| OCTARINE Turnhout | €0.9m | €117,054 | 20.0% | - |
| VISION MANAGEMENT Alveringem | €1.1m | €157,287 | 22.2% | - |
| VERHELST ENGINEERING Wielsbeke | €1.2m | €139,774 | 27.1% | 0 |
These companies have the same main activity as LODE DECLERCK: engineering and related technical consultancy, excluding land surveyors (NACE 71121). They are comparable in size and age: total assets between €848,000 and €1.2m, founded between 2012 and 2017.
Official details
Source: KBO- Status
- Active since 12-05-2015Normal situation
- Activity
- Engineering and related technical consultancy, excluding land surveyorsNACE 71121
- Establishment unit
- 2.242.303.9638800 Roeselare, since 12-05-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 26-11-2025
Insights on LODE DECLERCK
LODE DECLERCK files the micro format. That format states no turnover. The gross margin rose from €112,595 in 2016 to €121,054 in 2025.
The balance sheet grew most in 2022 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LODE DECLERCK
- What is the company number of LODE DECLERCK?
- The company number of LODE DECLERCK is 0629.991.739. The VAT number is the same number with BE in front: BE 0629.991.739.
- Where is LODE DECLERCK based?
- The registered office is at Sint-Eloois-Winkelsestraat 10, 8800 Roeselare.Company details
- What does LODE DECLERCK do?
- According to the KBO register, the main activity is engineering and related technical consultancy, excluding land surveyors (NACE 71121).
- What is the legal form of LODE DECLERCK?
- LODE DECLERCK is a private limited company (BV).
- When was LODE DECLERCK founded?
- LODE DECLERCK was founded on 12-05-2015.
- Is LODE DECLERCK still active?
- Yes, LODE DECLERCK is an active enterprise in the KBO register.
- What is the turnover of LODE DECLERCK?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €121,054 and 36 comparable companies (NACE 711). It probably lies between €190,000 and €310,000.Financials
- Is LODE DECLERCK profitable?
- In financial year 2025, LODE DECLERCK made a profit of €49,401.
- Where can I find the annual accounts of LODE DECLERCK?
- LODE DECLERCK filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LODE DECLERCK due?
- LODE DECLERCK must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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