d'AREStie
ActiveThe computed 12-month bankruptcy probability of d'AREStie is 2.0% (moderate). The 2025 annual accounts show equity of €248k and a net result of €26k. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 27386 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability52▼-48
Solvency94▲+5
Growth52=
Stability94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 4.5 against 4.73 in 2024), but 51.7% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
48.3%
Return on assets
5%
Age of the figures
8 mo
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 31-03-2026, 122 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
122 d early
2024
17 d early
2023
22 d early
2022
17 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€248k▲ 11.6%
2024 · €222k
2022: €115k
2023: €154k
2024: €222k
2022 → 2025
Total assets
€513k▲ 2.3%
2024 · €502k
2022: €424k
2023: €475k
2024: €502k
2022 → 2025
Net result
€26k▼ 62.5%
2024 · €69k
2022: €112k
2023: €39k
2024: €69k
2022 → 2025
Working capital
€158k▲ 14.2%
2024 · €138k
2022: €59k
2023: €75k
2024: €138k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€115k-€154k▲ 34.1%€222k▲ 44.6%€248k▲ 11.6%
Operating result€128k-€63k▼ 50.6%€99k▲ 57.4%€45k▼ 54.7%
Net result€112k-€39k▼ 64.9%€69k▲ 75.4%€26k▼ 62.5%
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 55% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€310k▼ 4.9%
Current assets
€203k▲ 15.8%
Equity and liabilities €513k
Equity
€248k▲ 11.6%
Debt
€265k▼ 5.0%
The debt ratio falls from 55.7% to 51.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€82k▼
2024 · €134k
Cash flow
€63k▼
2024 · €103k
Solvency
48.3%▲
2024 · 44.3%
Current ratio
4.50▼
2024 · 4.73
Quick ratio
4.38▼
2024 · 4.73
Debt / equity
1.07▼
2024 · 1.26
ROE
10.4%▼
2024 · 30.9%
ROA
5.0%▼
2024 · 13.7%
Interest coverage
6.96▼
2024 · 10.45
Debt
€265k▼
2024 · €279k
Debt ≤ 1 year
€45k▲
2024 · €37k
Debt > 1 year
€220k▼
2024 · €242k
Income taxes
€7k▼
2024 · €18k
Staff costs
€9k▼
2024 · €12k
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€502k€513k▲
Fixed assets21/28€326k€310k▼
Tangible fixed assets22/27€326k€310k▼
Land and buildings22€246k€234k▼
Plant, machinery and equipment23€12k€19k▲
Furniture and vehicles24€67k€57k▼
Current assets29/58€176k€203k▲
Stocks and contracts in progress3-€5k
Stocks30/36-€5k
Amounts receivable within one year40/41€31k€50k▲
Trade receivables40€25k€34k▲
Other amounts receivable41€6k€16k▲
Cash at bank and in hand54/58€145k€148k▲
Equity and liabilities
Total equity and liabilities10/49€502k€513k▲
Equity10/15€222k€248k▲
Contributions10/11€3k€3k=
Reserves13€219k€245k▲
Distributable reserves133€219k€245k▲
Amounts payable17/49€279k€265k▼
Amounts payable after more than one year17€242k€220k▼
Financial debts170/4€242k€220k▼
Amounts payable within one year42/48€37k€45k▲
Current portion of amounts payable after more than one year42€21k€22k▲
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€14k€18k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€12k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€38k▲
Other operating charges640/8€626€2k▲
Gross operating margin9900€147k€93k▼
Operating profit (loss)9901€99k€45k▼
Financial income75/76B€75€1▼
Recurring financial income75€75€1▼
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€87k€33k▼
Income taxes67/77€18k€7k▼
Profit (loss) for the period9904€69k€26k▼
Profit (loss) for the period to be appropriated9905€69k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€26k▼
Transfer to equity691/2€69k€26k▼
To other reserves6921€69k€26k▼
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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €26k ▼62.5%
Net result drops to €26k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 4.73
Current ratio from 2.30 to 4.73; short-term debt falls from €58k to €37k.
31-12
Financial
Equity above €200kEq €222k ▲44.6%
3 profitable years in a row build equity to €222k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €154k ▲34.1%
2 profitable years in a row build equity to €154k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zwevegem · 1 establishment unit since 2021
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.
Harelbeekstraat(Z) 1028550 ZwevegemGround area
913 m²
Building footprint
153 m²
Volume, LiDAR
789 m³
Parcel 34042A0566/00X000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
d'AREStie
since 20212.324.857.495
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042A0566/00X000 | Flanders | 913 m² | 1 · 153 m² | 8.1 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.
Similar companies · same sector, comparable size
ROYER
BE 0882.683.172
Sint-Truiden · Eq €248k
SAFETY CONSTRUCT DAKBEVEILIGING
BE 0759.666.089
Lille · Eq €248k
Ing Belg
BE 0721.841.831
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DAKWERKEN VERDONCK
BE 0560.808.171
Beveren-Kruibeke-Zwijndrecht · Eq €247k
DAK -EN SCHRIJNWERK WYLLEMET
BE 1003.772.331
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Of 8,481 companies in sector 43410 we hold annual accounts for 4,308. 3,449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.