Overdue debts
The annual accounts state €5,758 of overdue social security (RSZ) debts on 31-12-2025.
The annual accounts state €5,758 of overdue social security (RSZ) debts on 31-12-2025.
DAKGROEP NAESSENS has made a profit without a break since 2012.
Green is investment, beige is depreciation.
In 2025, 13 people joined and 14 left.
DAKGROEP NAESSENS pays its suppliers 39 days earlier than in 2024. Customers pay 2 days earlier.
The last five annual accounts were filed 0 to 52 days before the end of the period.
The dashed line is the sector median: 0.3% across 241 companies (NACE 43, medium-sized).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, medium-sized). It does better than 77% of them on solvency, 70% on liquidity, 56% on profitability and 65% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,579 companies had the same profile as DAKGROEP NAESSENS has now. Each dot stands for 4 companies, two years later.
That fits the bankruptcy probability of DAKGROEP NAESSENS itself: 0.1% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,579 companies, not a prediction for DAKGROEP NAESSENS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 2.24 (1.46 in 2024), above the usual 1.5. Short-term debt is 38.5% and cash 13.7% of total assets. 49.4% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 11 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| DAKGROEP NAESSENS Zulte | €24.1m | 4.1% | 50.6% | 94 |
| Tijtgat-Asphaltbedrijf Zulte | €26.8m | 6.2% | 34.8% | 87.1 |
| VAN SEVEREN Aalter | €27.8m | 7.7% | 55.6% | 52.9 |
| TECTUM CONSTRUCTORS Merelbeke-Melle | €21.4m | 1.6% | 12.0% | 60 |
| VINCENT PIRONT Thimister-Clermont | €21.3m | 12.5% | 28.5% | 61.3 |
| Toitures Jacobs Burg-Reuland | €23.7m | 15.3% | 40.1% | 62.8 |
| SETIP-GCUBE Ganshoren | €20.3m | 5.5% | 34.6% | 58.2 |
Grey: the largest companies of the sector (specialised construction (NACE 43)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as DAKGROEP NAESSENS: roofing work (NACE 43410). They are comparable in size and age: total assets between €7m and €14m, founded between 1965 and 1990.
DAKGROEP NAESSENS has existed since 1991. Turnover grew from €11.3m in 2006 to €24.1m in 2025 and staff from 43.9 to 94 full-time equivalents.
Solvency rose in 2025 from 31.6% to 50.6% because of the retained profit and lower debts.
WN MANAGEMENT & CONSULTANCY holds 82.56% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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