D. CATREY
ActiveThe computed 12-month bankruptcy probability of D. CATREY is 1.8% (moderate). The 2025 annual accounts show equity of €113k and a net result of €23k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 27619 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+2
Solvency91▲+13
Growth68=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.03 against 2.25 in 2024; short-term debt: 29.6% and cash: 19% of total assets), and 33.6% 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
66.4%
Return on assets
13.3%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-05-2026, 15 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
15 d late
2024
7 d late
2023
26 d late
2022
28 d late
2021
16 d late
2020
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€253k▲ 86.1%
2021 · €136k
2020: €127k
2021: €136k
2020 → 2022
EBIT margin
5.8%▼ 10.9pp
2021 · 16.7%
2020: 27.0%
2021: 16.7%
2020 → 2022
Net result
€23k▲ 16.8%
2024 · €19k
2020: €30k
2021: €23k
2022: €4k
2023: €13k
2024: €19k
2020 → 2025
Working capital
€102k▲ 27.8%
2024 · €80k
2020: €31k
2021: €35k
2022: €44k
2023: €59k
2024: €80k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€136k-€253k▲ 86.1%
Equity€54k-€58k▲ 7.4%€71k▲ 22.5%€90k▲ 27.4%€113k▲ 25.1%
Operating result€23k-€15k▼ 35.3%€20k▲ 34.6%€31k▲ 58.8%€30k▼ 4.2%
Net result€23k-€4k▼ 80.9%€13k▲ 201%€19k▲ 49.3%€23k▲ 16.8%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€18k▼ 32.8%
Current assets
€153k▲ 5.9%
Equity and liabilities €170k
Equity
€113k▲ 25.1%
Debt
€57k▼ 28.4%
The debt ratio falls from 47.0% to 33.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €42k
Cash flow
€34k▲
2024 · €30k
Solvency
66.4%▲
2024 · 53.0%
Current ratio
3.03▲
2024 · 2.25
Quick ratio
3.03▲
2024 · 2.25
Debt / equity
0.51▼
2024 · 0.89
ROE
20.1%▼
2024 · 21.5%
ROA
13.3%▲
2024 · 11.4%
Interest coverage
54.11▲
2024 · 40.82
Debt
€57k▼
2024 · €80k
Debt ≤ 1 year
€50k▼
2024 · €64k
Debt > 1 year
€7k▼
2024 · €16k
Income taxes
€11k▲
2024 · €11k
Staff costs
€717
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€171k€170k=
Fixed assets21/28€26k€18k▼
Tangible fixed assets22/27€26k€18k▼
Furniture and vehicles24€26k€18k▼
Current assets29/58€144k€153k▲
Amounts receivable within one year40/41€76k€121k▲
Trade receivables40€15k€17k▲
Other amounts receivable41€61k€103k▲
Cash at bank and in hand54/58€68k€32k▼
Equity and liabilities
Total equity and liabilities10/49€171k€170k=
Equity10/15€90k€113k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€84k€107k▲
Amounts payable17/49€80k€57k▼
Amounts payable after more than one year17€16k€7k▼
Financial debts170/4€16k€7k▼
Amounts payable within one year42/48€64k€50k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€44k€22k▼
Suppliers440/4€44k€22k▼
Taxes, remuneration and social security45€12k€20k▲
Taxes450/3€12k€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€717
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€8k€15k▲
Gross operating margin9900€50k€57k▲
Operating profit (loss)9901€31k€30k▼
Financial income75/76B€359€5k▲
Recurring financial income75€359€5k▲
Financial charges65/66B€1k€758▼
Recurring financial charges65€1k€758▼
Profit (loss) for the period before taxes9903€31k€34k▲
Income taxes67/77€11k€11k▲
Profit (loss) for the period9904€19k€23k▲
Profit (loss) for the period to be appropriated9905€19k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€107k▲
Profit (loss) brought forward from the previous period14P€65k€84k▲
The notes to these accounts (7 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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
2025
30-09
Financial
Equity above €100kEq €113k ▲25.1%
6 profitable years in a row build equity to €113k.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
26-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
28-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-09
Financial
Weakest financial yearnet €4k ▼80.9%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Herzele · 1 establishment unit since 2019
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.
Mergellaan 159550 HerzeleGround area
207 m²
Building footprint
89 m²
Parcel 41027B0352/00G002, Flanders. Linked by address, not a title deed.
1 establishment unit
D. CATREY
since 20192.286.726.302
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41027B0352/00G002 | Flanders | 207 m² | 1 · 89 m² | - |
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
THE WELLNESS CORNER
BE 0778.436.480
Lokeren · Eq €113k
VOLTS & WATTS
BE 0782.798.710
Herenthout · Eq €113k
DEC Construct
BE 0645.908.350
Ganshoren · Eq €113k
WB TECHNIQUE
BE 0787.933.275
Dilbeek · Eq €113k
FEIM CONSTRUCT
BE 0862.595.462
Brussel · Eq €113k
Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 6,212 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-03-2019
Fiscal year end30-09
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.