CLEEMPUT-DE VISSCHER
ActiveSummary
CLEEMPUT-DE VISSCHER has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194k and a net result of €548. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-2
Solvency70▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.65 in 2024; short-term debt: 46.5% and cash: 44.4% of total assets), but 55.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 · 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 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
4 d early
2022
32 d early
2021
31 d early
2020
24 d early
2019
30 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€194k▲ 0.3%
2024 · €193k
2019: €144k
2020: €149k
2021: €153k
2022: €173k
2023: €183k
2024: €193k
2019 → 2025
Total assets
€434k▼ 4.6%
2024 · €455k
2019: €246k
2020: €277k
2021: €343k
2022: €499k
2023: €424k
2024: €455k
2019 → 2025
Net result
€548▼ 94.3%
2024 · €10k
2019: €11k
2020: €5k
2021: €4k
2022: €20k
2023: €10k
2024: €10k
2019 → 2025
Working capital
€162k▲ 20.4%
2024 · €135k
2019: €134k
2020: €143k
2021: €145k
2022: €79k
2023: €107k
2024: €135k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€153k-€173k▲ 13.1%€183k▲ 6.1%€193k▲ 5.3%€194k▲ 0.3%
Operating result€7k-€31k▲ 328%€17k▼ 43.6%€16k▼ 4.4%€3k▼ 81.6%
Net result€4k-€20k▲ 383%€10k▼ 47.7%€10k▼ 8.1%€548▼ 94.3%
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 has fallen three years in a row; 2025 is 82% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €434k
Fixed assets
€70k ▼ 38.7%
Current assets
€364k ▲ 6.9%
Equity and liabilities €434k
Equity
€194k ▲ 0.3%
Debt
€241k ▼ 8.1%
Debt's share of the balance-sheet total falls from 57.6% to 55.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €63k
Cash flow
€46k▼
2024 · €57k
Current ratio
1.80▲
2024 · 1.65
Quick ratio
1.50▼
2024 · 1.51
Debt to equity
1.24▼
2024 · 1.36
ROE
0.3%▼
2024 · 5.0%
ROA
0.1%▼
2024 · 2.1%
Interest coverage
36.06▲
2024 · 32.67
Debt ≤ 1 year
€202k▼
2024 · €206k
Debt > 1 year
€38k▼
2024 · €56k
Income taxes
€1k▼
2024 · €5k
Staff costs
€309k▼
2024 · €320k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€455k€434k▼
Fixed assets21/28€114k€70k▼
Intangible fixed assets21€5k€5k▼
Tangible fixed assets22/27€109k€65k▼
Plant, machinery and equipment23€600€2k▲
Furniture and vehicles24€108k€63k▼
Other tangible fixed assets26€0€0=
Current assets29/58€341k€364k▲
Stocks and contracts in progress3€30k€60k▲
Stocks30/36€24k€23k▼
Contracts in progress37€6k€37k▲
Amounts receivable within one year40/41€155k€99k▼
Trade receivables40€129k€95k▼
Other amounts receivable41€26k€4k▼
Cash at bank and in hand54/58€147k€193k▲
Deferred charges and accrued income490/1€9k€12k▲
Equity and liabilities
Total equity and liabilities10/49€455k€434k▼
Equity10/15€193k€194k▲
Contributions10/11€6k€6k=
Reserves13€187k€187k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€185k€186k▲
Amounts payable17/49€262k€241k▼
Amounts payable after more than one year17€56k€38k▼
Financial debts170/4€56k€38k▼
Amounts payable within one year42/48€206k€202k▼
Current portion of amounts payable after more than one year42€20k€18k▼
Trade debts44€162k€158k▼
Suppliers440/4€162k€158k▼
Taxes, remuneration and social security45€20k€23k▲
Taxes450/3€983€2k▲
Remuneration and social security454/9€19k€21k▲
Other amounts payable47/48€4k€4k▼
Accrued charges and deferred income492/3-€498
Income statement
Code20242025
Non-recurring operating income76A€413-
Remuneration, social security and pensions62€320k€309k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€46k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€385k€360k▼
Operating profit (loss)9901€16k€3k▼
Financial income75/76B€15€0▼
Recurring financial income75€15€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€15k€2k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€10k€548▼
Profit (loss) for the period to be appropriated9905€10k€548▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€548▼
Transfer to equity691/2€10k€548▼
To other reserves6921€10k€548▼
Social balance
Average headcount (FTE)90875.04.8▼
The notes to these accounts (13 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet €548 ▼94.3%
Net result drops to €548, the lowest in the series.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2019net €20k ▲383%
Operating result €31k, net result €20k, both a record.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €150kEq €153k ▲2.8%
3 profitable years in a row build equity to €153k.
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
11-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Dendermonde · 1 establishment unit since 2012
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.
Broekkouter (BAA) 369200 DendermondeGround area
2,391 m²
Building footprint
354 m²
Volume, LiDAR
1,929 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cleemput-De Visscher
since 20122.213.884.349
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12028B0158/00R000 | Flanders | 1,988 m² | 1 · 237 m² | 8.0 m · 2 fl. |
| 42002B0184/00T000 | Flanders | 403 m² | 1 · 117 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 2025 · 4 entries · 1,350 EUR awarded · 1,350 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 330 EUR | 330 EUR |
| 2024 | 1 | 330 EUR | 330 EUR |
| 2023 | 1 | 366 EUR | 366 EUR |
| 2022 | 1 | 324 EUR | 324 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
7 categoriesCLEEMPUT-DE VISSCHER BV44001
Similar companies · same sector, comparable size
TOITURE ROOSENS
BE 0644.623.002
Le Roeulx · Eq €193,543
INLITIRO
BE 0741.656.753
Londerzeel · Eq €193,534
DAVIDE TOITURE - DAKWERKEN
BE 0793.860.668
Ninove · Eq €193,456
Verdonck
BE 0439.689.221
Tremelo · Eq €193,757
Sarens
BE 0460.415.250
Merchtem · Eq €193,396
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,635 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2012
Fiscal year end31-03
Activities, NACEBEL 2025
43410Roofing work
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43223Specialised construction activities
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.