Dakwerken Moerman
ActiveThe computed 12-month bankruptcy probability of Dakwerken Moerman is 1.7% (moderate). The 2025 annual accounts show equity of €244k and a net result of €125k. Equity is growing by ~50.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 27711 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
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency80▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.3 against 0.88 in 2024; short-term debt: 23.8% and cash: 20% of total assets), and 44.7% 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
55.3%
Return on assets
28.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
24 d late
2024
35 d early
2023
37 d early
2022
11 d early
2021
11 d early
2020
30 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, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€244k▲ 105%
2024 · €119k
2020: €23k
2021: €36k
2022: €85k
2023: €79k
2024: €119k
2020 → 2025
Total assets
€442k▲ 21.4%
2024 · €364k
2020: €63k
2021: €214k
2022: €292k
2023: €429k
2024: €364k
2020 → 2025
Net result
€125k▲ 13.9%
2024 · €110k
2020: €18k
2021: €13k
2022: €49k
2023: €64k
2024: €110k
2020 → 2025
Working capital
€137k
2024 · €-18k
2020: €-2k
2021: €16k
2022: €21k
2023: €-48k
2024: €-18k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€85k▲ 136%€79k▼ 6.8%€119k▲ 50.3%€244k▲ 105%
Operating result€18k-€63k▲ 241%€91k▲ 44.5%€154k▲ 69.5%€169k▲ 10.1%
Net result€13k-€49k▲ 282%€64k▲ 31.0%€110k▲ 71.2%€125k▲ 13.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €442k
Fixed assets
€201k▼ 14.7%
Current assets
€242k▲ 86.8%
Equity and liabilities €442k
Equity
€244k▲ 105%
Debt
€198k▼ 19.3%
The debt ratio falls from 67.3% to 44.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€220k▲
2024 · €200k
Cash flow
€176k▲
2024 · €156k
Solvency
55.3%▲
2024 · 32.7%
Current ratio
2.30▲
2024 · 0.88
Quick ratio
2.13▲
2024 · 0.76
Debt / equity
0.81▼
2024 · 2.06
ROE
51.2%▼
2024 · 92.2%
ROA
28.3%▼
2024 · 30.2%
Interest coverage
32.64▲
2024 · 18.43
Debt
€198k▼
2024 · €245k
Debt ≤ 1 year
€105k▼
2024 · €148k
Debt > 1 year
€90k▼
2024 · €95k
Income taxes
€38k▲
2024 · €33k
Staff costs
€142k▼
2024 · €216k
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€364k€442k▲
Fixed assets21/28€235k€201k▼
Intangible fixed assets21€1k€735▼
Tangible fixed assets22/27€234k€200k▼
Land and buildings22€117k€110k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€112k€85k▼
Financial fixed assets28€135€135=
Current assets29/58€129k€242k▲
Stocks and contracts in progress3€18k€18k=
Stocks30/36€18k€18k=
Amounts receivable within one year40/41€24k€117k▲
Trade receivables40€17k€105k▲
Other amounts receivable41€7k€13k▲
Cash at bank and in hand54/58€75k€88k▲
Deferred charges and accrued income490/1€12k€18k▲
Equity and liabilities
Total equity and liabilities10/49€364k€442k▲
Equity10/15€119k€244k▲
Contributions10/11€5k€5k=
Reserves13€114k€239k▲
Distributable reserves133€114k€239k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€245k€198k▼
Amounts payable after more than one year17€95k€90k▼
Financial debts170/4€95k€90k▼
Amounts payable within one year42/48€148k€105k▼
Current portion of amounts payable after more than one year42€25k€5k▼
Trade debts44€59k€27k▼
Suppliers440/4€59k€27k▼
Taxes, remuneration and social security45€21k€51k▲
Taxes450/3€16k€44k▲
Remuneration and social security454/9€5k€7k▲
Other amounts payable47/48€43k€22k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€216k€142k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€50k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€419k€364k▼
Operating profit (loss)9901€154k€169k▲
Financial income75/76B€0€604▲
Recurring financial income75€0€604▲
Financial charges65/66B€11k€7k▼
Recurring financial charges65€11k€7k▼
Profit (loss) for the period before taxes9903€143k€163k▲
Income taxes67/77€33k€38k▲
Profit (loss) for the period9904€110k€125k▲
Profit (loss) for the period to be appropriated9905€110k€125k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€125k▲
Transfer from equity791/2€70k€0▼
Transfer to equity691/2€110k€125k▲
To other reserves6921€110k€125k▲
Profit to be distributed694/7€70k€0▼
Return on contributions (dividend)694€70k€0▼
The notes to these accounts (17 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2020net €125k ▲13.9%
Operating result €169k, net result €125k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.30
Current ratio from 0.88 to 2.30; short-term debt falls from €148k to €105k.
31-12
Financial
Equity above €200kEq €244k ▲105%
6 profitable years in a row build equity to €244k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €119k ▲50.3%
5 profitable years in a row build equity to €119k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €13k ▼29.8%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Waregem · 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.
Nijverheidstraat 2128792 WaregemGround area
303 m²
Building footprint
300 m²
Volume, LiDAR
1,567 m³
Parcel 34010A0452/00D003, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Moerman
since 20192.296.707.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0452/00D003 | Flanders | 303 m² | 1 · 300 m² | 6.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 898 EUR awarded · 897 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 214 EUR | 214 EUR |
| 2024 | 1 | 0 EUR | 140 EUR |
| 2023 | 1 | 684 EUR | 543 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Peer · Eq €245k
WL TOITURE
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2019
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.