DAK & BOUW LORAND
ActiveThe computed 12-month bankruptcy probability of DAK & BOUW LORAND is 2.5% (moderate). The 2025 annual accounts show equity of €16k and a net result of €13k. Its solvency ranks better than 33% of 27711 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency56
Growth-
Track record67
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.43; short-term debt: 68.5% and cash: 31.8% of total assets), and 68.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
31.5%
Return on assets
25.5%
Age of the figures
9 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 30-07-2026, 1 day ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€16k
Total assets
€50k
Net result
€13k
Working capital
€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €50k
Fixed assets
€990
Current assets
€49k
Equity and liabilities €50k
Equity
€16k
Debt
€35k
Debt finances 68.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€17k
Cash flow
€13k
Solvency
31.5%
Current ratio
1.43
Quick ratio
1.43
Debt / equity
2.18
ROE
81.1%
ROA
25.5%
Interest coverage
56.90
Debt
€35k
Debt ≤ 1 year
€35k
Income taxes
€4k
Staff costs
€52k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€50k
Fixed assets21/28€990
Tangible fixed assets22/27€990
Plant, machinery and equipment23€990
Current assets29/58€49k
Amounts receivable within one year40/41€32k
Trade receivables40€20k
Other amounts receivable41€12k
Cash at bank and in hand54/58€16k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€50k
Equity10/15€16k
Contributions10/11€3k
Reserves13€10k
Distributable reserves133€10k
Profit (loss) carried forward14€3k
Amounts payable17/49€35k
Amounts payable within one year42/48€35k
Trade debts44€29k
Suppliers440/4€29k
Taxes, remuneration and social security45€6k
Taxes450/3€4k
Remuneration and social security454/9€1k
Income statement
Code2025
Remuneration, social security and pensions62€52k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€455
Other operating charges640/8€459
Gross operating margin9900€69k
Operating profit (loss)9901€17k
Financial income75/76B€937
Recurring financial income75€937
Financial charges65/66B€302
Recurring financial charges65€302
Profit (loss) for the period before taxes9903€17k
Income taxes67/77€4k
Profit (loss) for the period9904€13k
Profit (loss) for the period to be appropriated9905€13k
Appropriation of the result
Profit (loss) to be appropriated9906€13k
Transfer to equity691/2€10k
To other reserves6921€10k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Lokeren · 1 establishment unit since 2024
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.
Nijsstraat 959160 LokerenGround area
1,289 m²
Building footprint
133 m²
Volume, LiDAR
464 m³
Parcel 46383D1666/00G000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DAK & BOUW LORAND
since 20242.363.786.070
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46383D1666/00G000 | Flanders | 1,289 m² | 1 · 133 m² | 5.8 m · 1 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.
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 2,778 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2024
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.