DACOL
ActiveDACOL has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €10k. Equity is shrinking by ~13.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 10% of 2041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-3
Solvency33▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 1.48 in 2024; short-term debt: 26.2% and cash: 8.7% of total assets), but 92.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
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
7.6%
Return on assets
1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2041 sector peers (2025).
NBB · sector comparisonPosition among 2041 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
21 d late
2022
75 d early
2021
46 d early
2020
58 d early
2019
26 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€10k▼ 28.7%
2024 · €14k
2018: €193k
2019: €342k
2020: €299k
2021: €475k
2022: €208k
2023: €-323k
2024: €14k
2018 → 2025
Working capital
€650k▲ 39.2%
2024 · €467k
2018: €498k
2019: €539k
2020: €667k
2021: €652k
2022: €684k
2023: €353k
2024: €467k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€728k-€766k▲ 5.3%€443k▼ 42.1%€68k▼ 84.7%€77k▲ 14.4%
Operating result€625k-€277k▼ 55.7%€-317k€36k€44k▲ 23.5%
Net result€475k-€208k▼ 56.1%€-323k€14k€10k▼ 28.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€106k▲ 77.7%
Current assets
€919k▼ 35.8%
Equity and liabilities €1.02M
Equity
€77k▲ 14.4%
Debt
€947k▼ 33.4%
The debt ratio falls from 95.5% to 92.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2024 · €50k
Cash flow
€23k▼
2024 · €28k
Solvency
7.6%▲
2024 · 4.5%
Current ratio
3.42▲
2024 · 1.48
Quick ratio
2.87▲
2024 · 1.31
Debt / equity
12.22▼
2024 · 21.01
ROE
12.6%▼
2024 · 20.2%
ROA
1.0%▲
2024 · 0.9%
Interest coverage
1.98▼
2024 · 2.26
Debt
€947k▼
2024 · €1.42M
Debt ≤ 1 year
€269k▼
2024 · €964k
Debt > 1 year
€667k▲
2024 · €459k
Income taxes
€5k▲
2024 · €244
Staff costs
€367k▼
2024 · €445k
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€1.49M€1.02M▼
Fixed assets21/28€60k€106k▲
Intangible fixed assets21-€1k
Tangible fixed assets22/27€30k€78k▲
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€27k€76k▲
Financial fixed assets28€30k€27k▼
Current assets29/58€1.43M€919k▼
Stocks and contracts in progress3€167k€148k▼
Stocks30/36€167k€148k▼
Amounts receivable within one year40/41€1.16M€680k▼
Trade receivables40€468k€330k▼
Other amounts receivable41€695k€350k▼
Cash at bank and in hand54/58€100k€89k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.02M▼
Equity10/15€68k€77k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€0-
Profit (loss) carried forward14€0€10k▲
Amounts payable17/49€1.42M€947k▼
Amounts payable after more than one year17€459k€667k▲
Financial debts170/4€459k€667k▲
Amounts payable within one year42/48€964k€269k▼
Current portion of amounts payable after more than one year42€78k€91k▲
Trade debts44€399k€152k▼
Suppliers440/4€399k€152k▼
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€558€54▼
Remuneration and social security454/9€6k€11k▲
Other amounts payable47/48€479k€15k▼
Accrued charges and deferred income492/3€0€11k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€445k€367k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€27k€0▼
Gross operating margin9900€525k€430k▼
Operating profit (loss)9901€36k€44k▲
Financial income75/76B€162€34▼
Recurring financial income75€162€34▼
Financial charges65/66B€22k€29k▲
Recurring financial charges65€22k€29k▲
Profit (loss) for the period before taxes9903€14k€15k▲
Income taxes67/77€244€5k▲
Profit (loss) for the period9904€14k€10k▼
Profit (loss) for the period to be appropriated9905€14k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€10k▼
Transfer from equity791/2€376k€0▼
Profit to be distributed694/7€389k€0▼
Return on contributions (dividend)694€389k€0▼
Social balance
Average headcount (FTE)90877.96.6▼
The notes to these accounts (23 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.42
Current ratio from 1.48 to 3.42; short-term debt falls from €964k to €269k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €-323k ▼255%
Net result drops to €-323k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €475k ▲58.9%
Operating result €625k, net result €475k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Fleurus · 1 establishment unit since 1984
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.
Avenue de Heppignies(H) 276220 FleurusGround area
2.2 ha
Building footprint
8,754 m²
Volume, LiDAR
45,113 m³
2 parcels, Flanders, Wallonia · tallest building 14.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J DA COL
since 19842.025.636.053
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001A0004/00L005 | Flanders | 1.2 ha | 1 · 5,780 m² | 14.4 m · 2 fl. |
| 52032B0094/00F000 | Wallonia | 9,178 m² | 1 · 2,974 m² | - |
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
Federal government
2025 · 2 entries · 3,518 EUR in total| Year | Department | Transactions | Amount |
|---|---|---|---|
| 2025 | FOD Mobiliteit | 2 | 3,518 EUR |
Budget allocations
Samenwerkingsakkoord Beliris - Kapitaal- overdrachten binnen institutionele groep
Recognitions · licences · registrations
Recognised contractor
6 categoriesEtablissements Jacques Da Col SA28853
Similar companies · same sector, comparable size
DE VLAANDERAAR
BE 0444.502.104
Dessel · Eq €77k
G.S.X. DECORS
BE 0474.610.112
Namur · Eq €78k
BETONWERKEN MARYSSE
BE 0842.427.776
Dentergem · Eq €79k
DEKORATIECENTRUM GEUNS
BE 0458.960.052
Peer · Eq €73k
DESSANO
BE 0893.884.791
Zoersel · Eq €82k
Of 914 companies in sector 43333 we hold annual accounts for 400. 328 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-06-1984
Fiscal year end31-12
Activities, NACEBEL
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
45432
45433
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.