DAKWERKEN CRAMER
ActiveSummary
DAKWERKEN CRAMER has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €376k and a net result of €20k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-1
Solvency95▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.61 against 3.32 in 2024; short-term debt: 17.2% and cash: 10.4% of total assets), and 29.5% of the assets are financed with debt.
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Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
70.5%
Return on assets
3.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
28 d late
2023
28 d late
2022
100 d late
2021
61 d late
2020
108 d late
2019
123 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€376k▲ 5.7%
2024 · €356k
Total assets
€533k▲ 1.3%
2024 · €527k
Net result
€20k▼ 6.9%
2024 · €22k
Working capital
€423k▲ 21.3%
2024 · €348k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€29k▲ 5.4%€52k▲ 78.5%€9k▼ 82.1%€30k▲ 225%€28k▼ 6.8%
Net result€21k▲ 4.6%€35k▲ 69.2%€7k▼ 80.6%€22k▲ 221%€20k▼ 6.9%
Equity€292k▲ 7.6%€327k▲ 11.9%€334k▲ 2.1%€356k▲ 6.5%€376k▲ 5.7%
Total assets€409k▲ 1.6%€485k▲ 18.5%€442k▼ 8.9%€527k▲ 19.1%€533k▲ 1.3%
Debt€117k▼ 10.7%€158k▲ 35.0%€108k▼ 31.5%€171k▲ 58.2%€158k▼ 7.8%
Working capital€292k▲ 7.7%€316k▲ 8.5%€325k▲ 2.7%€348k▲ 7.3%€423k▲ 21.3%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €533k
Fixed assets
€19k ▼ 31.5%
Current assets
€514k ▲ 3.1%
Equity and liabilities €533k
Equity
€376k ▲ 5.7%
Debt
€158k ▼ 7.8%
Debt's share of the balance-sheet total falls from 32.5% to 29.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €40k
Cash flow
€30k▼
2024 · €31k
Current ratio
5.61▲
2024 · 3.32
Quick ratio
5.40▲
2024 · 3.18
Debt to equity
0.42▼
2024 · 0.48
ROE
5.4%▼
2024 · 6.1%
ROA
3.8%▼
2024 · 4.1%
Interest coverage
12.67▲
2024 · 9.38
Debt ≤ 1 year
€92k▼
2024 · €150k
Debt > 1 year
€12k▼
2024 · €20k
Income taxes
€10k▲
2024 · €9k
Staff costs
€46k▲
2024 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €29k | €47k | €38k | €36k | €46k | ▲ 27.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €374 | €2k | €10k | €10k | €10k | ▲ 0.1% |
| Other operating charges640/8 | €565 | €870 | €1k | €328 | €2k | ▲ 510% |
| Gross operating margin9900 | €59k | €101k | €59k | €76k | €85k | ▲ 12.7% |
| Operating profit (loss)9901 | €29k | €52k | €9k | €30k | €28k | ▼ 6.8% |
| Financial income75/76B | €4k | €4k | €5k | €5k | €5k | ▲ 13.3% |
| Recurring financial income75 | €4k | €4k | €5k | €5k | €5k | ▲ 13.3% |
| Financial charges65/66B | €2k | €3k | €4k | €4k | €3k | ▼ 29.7% |
| Recurring financial charges65 | €2k | €3k | €4k | €4k | €3k | ▼ 29.7% |
| Profit (loss) for the period before taxes9903 | €31k | €52k | €9k | €30k | €30k | ▼ 0.6% |
| Income taxes67/77 | €10k | €18k | €3k | €9k | €10k | ▲ 15.3% |
| Profit (loss) for the period9904 | €21k | €35k | €7k | €22k | €20k | ▼ 6.9% |
| Profit (loss) for the period to be appropriated9905 | €21k | €35k | €7k | €22k | €20k | ▼ 6.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €409k | €485k | €442k | €527k | €533k | ▲ 1.3% |
| Fixed assets21/28 | €749 | €47k | €37k | €28k | €19k | ▼ 31.5% |
| Tangible fixed assets22/27 | €749 | €47k | €37k | €28k | €19k | ▼ 31.5% |
| Plant, machinery and equipment23 | €749 | €375 | - | - | - | - |
| Furniture and vehicles24 | - | €47k | €37k | €28k | €19k | ▼ 31.5% |
| Current assets29/58 | €409k | €438k | €405k | €499k | €514k | ▲ 3.1% |
| Amounts receivable after more than one year29 | €258k | €292k | €302k | €339k | €367k | ▲ 8.1% |
| Trade receivables290 | - | - | - | - | €33k | - |
| Other amounts receivable291 | €258k | €292k | €302k | €339k | €334k | ▼ 1.5% |
| Stocks and contracts in progress3 | €7k | €15k | €18k | €20k | €19k | ▼ 4.7% |
| Stocks30/36 | €2k | €2k | €4k | €4k | €3k | ▼ 22.7% |
| Contracts in progress37 | €5k | €13k | €15k | €16k | €16k | = |
| Amounts receivable within one year40/41 | €83k | €82k | €72k | €114k | €67k | ▼ 40.6% |
| Trade receivables40 | €63k | €64k | €53k | €95k | €53k | ▼ 44.1% |
| Other amounts receivable41 | €20k | €18k | €20k | €18k | €14k | ▼ 22.2% |
| Cash at bank and in hand54/58 | €37k | €29k | - | €20k | €55k | ▲ 177% |
| Deferred charges and accrued income490/1 | €24k | €19k | €12k | €6k | €6k | ▼ 7.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €409k | €485k | €442k | €527k | €533k | ▲ 1.3% |
| Equity10/15 | €292k | €327k | €334k | €356k | €376k | ▲ 5.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €88k | €123k | €129k | €151k | €171k | ▲ 13.4% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €86k | €121k | €127k | €149k | €169k | ▲ 13.5% |
| Profit (loss) carried forward14 | €186k | €186k | €186k | €186k | €186k | = |
| Amounts payable17/49 | €117k | €158k | €108k | €171k | €158k | ▼ 7.8% |
| Amounts payable after more than one year17 | - | €37k | €28k | €20k | €12k | ▼ 38.7% |
| Financial debts170/4 | - | €37k | €28k | €20k | €12k | ▼ 38.7% |
| Amounts payable within one year42/48 | €117k | €121k | €80k | €150k | €92k | ▼ 39.0% |
| Current portion of amounts payable after more than one year42 | - | €8k | €10k | €10k | €11k | ▲ 7.7% |
| Financial debts43 | - | - | €14k | - | - | - |
| Credit institutions430/8 | - | - | €14k | - | - | - |
| Trade debts44 | €80k | €101k | €54k | €90k | €75k | ▼ 16.3% |
| Suppliers440/4 | €80k | €101k | €54k | €90k | €75k | ▼ 16.3% |
| Advances received on contracts in progress46 | €32k | - | - | €47k | - | - |
| Taxes, remuneration and social security45 | €5k | €13k | €2k | €3k | €6k | ▲ 74.0% |
| Taxes450/3 | €4k | €11k | €675 | €2k | €4k | ▲ 90.1% |
| Remuneration and social security454/9 | €1k | €1k | €1k | €1k | €2k | ▲ 44.7% |
| Accrued charges and deferred income492/3 | - | - | - | €316 | €53k | ▲ 16,813% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €35k | €7k | €22k | €20k | ▼ 6.9% |
| + Depreciation and write-downs630 | €374 | €2k | €10k | €10k | €10k | ▲ 0.1% |
| Operating cash flow (approximation) | €21k | €37k | €17k | €31k | €30k | ▼ 4.7% |
| Investment in fixed assets (approximation) | - | €-49k | €0 | €0 | €-1k | - |
| Change in cash | - | €-8k | - | - | €35k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €7k ▼80.6%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 100 days late
2022
31-12
Financial
Highest result since 2018net €35k ▲69.2%
Operating result €52k, net result €35k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
01-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 123 days late
2019
14-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 106 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 143 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Maasmechelen · 1 establishment unit since 2009
Ground area
757 m²
Building footprint
254 m²
Volume, LiDAR
1,287 m³
2 parcels, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Cramer
since 20092.184.079.021
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73060D0035/00D000 | Flanders | 432 m² | 1 · 110 m² | 7.9 m · 2 fl. |
| 73060D0326/00D000 | Flanders | 325 m² | 1 · 144 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,568 companies in sector 43410 we hold annual accounts for 4,363. 3,147 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-11-2009
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Scores and ratios are computed by Checked and are not a credit decision.