Dakwerken Noterman
ActiveSummary
Dakwerken Noterman has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €271k and a net result of €42k. Equity is growing by ~54.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-10
Solvency91▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.1 against 2.92 in 2024; short-term debt: 22.4% and cash: 43.9% of total assets), and 34% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
66%
Return on assets
10.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
11 d late
2023
28 d early
2022
49 d early
2021
72 d early
2020
45 d early
2019
35 d early
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€271k▲ 18.3%
2024 · €229k
2019: €22klowest in 7 years
2020: €41k▲ +87.7% vs 2019
2021: €42k▲ +1.3% vs 2020
2022: €74k▲ +75.9% vs 2021
2023: €158k▲ +114% vs 2022
2024: €229k▲ +44.6% vs 2023
2025: €271k▲ +18.3% vs 2024highest in 7 years
2019 → 2025
Total assets
€411k▲ 6.4%
2024 · €386k
2019: €34klowest in 7 years
2020: €74k▲ +120% vs 2019
2021: €92k▲ +24.9% vs 2020
2022: €279k▲ +203% vs 2021
2023: €357k▲ +27.7% vs 2022
2024: €386k▲ +8.2% vs 2023
2025: €411k▲ +6.4% vs 2024highest in 7 years
2019 → 2025
Net result
€42k▼ 40.6%
2024 · €71k
2019: €15k
2020: €19k▲ +26.4% vs 2019
2021: €532▼ -97.3% vs 2020lowest in 7 years
2022: €32k▲ +5890% vs 2021
2023: €85k▲ +165% vs 2022highest in 7 years
2024: €71k▼ -16.4% vs 2023
2025: €42k▼ -40.6% vs 2024
2019 → 2025
Working capital
€193k▲ 28.1%
2024 · €151k
2019: €10klowest in 7 years
2020: €28k▲ +168% vs 2019
2021: €20k▼ -28.8% vs 2020
2022: €37k▲ +90.1% vs 2021
2023: €113k▲ +204% vs 2022
2024: €151k▲ +33.0% vs 2023
2025: €193k▲ +28.1% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€74k▲ 75.9%€158k▲ 114%€229k▲ 44.6%€271k▲ 18.3%
2021: €42klowest in 5 years
2022: €74k▲ +75.9% vs 2021
2023: €158k▲ +114% vs 2022
2024: €229k▲ +44.6% vs 2023
2025: €271k▲ +18.3% vs 2024highest in 5 years
Operating result€-2k-€32k€116k▲ 265%€95k▼ 18.1%€58k▼ 38.7%
2021: €-2klowest in 5 years
2022: €32k▲ +1502% vs 2021
2023: €116k▲ +265% vs 2022highest in 5 years
2024: €95k▼ -18.1% vs 2023
2025: €58k▼ -38.7% vs 2024
Net result€532-€32k▲ 5,890%€85k▲ 165%€71k▼ 16.4%€42k▼ 40.6%
2021: €532lowest in 5 years
2022: €32k▲ +5890% vs 2021
2023: €85k▲ +165% vs 2022highest in 5 years
2024: €71k▼ -16.4% vs 2023
2025: €42k▼ -40.6% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €411k
Fixed assets
€125k ▼ 19.9%
Current assets
€285k ▲ 24.3%
Equity and liabilities €411k
Equity
€271k ▲ 18.3%
Debt
€140k ▼ 11.1%
Debt's share of the balance-sheet total falls from 40.7% to 34.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€94k▼
2024 · €129k
Cash flow
€78k▼
2024 · €105k
Current ratio
3.10▲
2024 · 2.92
Quick ratio
3.07▲
2024 · 2.91
Debt to equity
0.51▼
2024 · 0.68
ROE
15.5%▼
2024 · 30.9%
ROA
10.2%▼
2024 · 18.3%
Interest coverage
39.91▲
2024 · 37.50
Debt ≤ 1 year
€92k▲
2024 · €79k
Debt > 1 year
€47k▼
2024 · €78k
Income taxes
€16k▼
2024 · €26k
Staff costs
€133k▼
2024 · €136k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€386k€411k▲
Fixed assets21/28€157k€125k▼
Tangible fixed assets22/27€157k€125k▼
Land and buildings22€1k€576▼
Plant, machinery and equipment23€94k€80k▼
Furniture and vehicles24€61k€45k▼
Current assets29/58€229k€285k▲
Stocks and contracts in progress3€416€2k▲
Stocks30/36€416€2k▲
Amounts receivable within one year40/41€43k€96k▲
Trade receivables40€27k€78k▲
Other amounts receivable41€16k€18k▲
Cash at bank and in hand54/58€180k€180k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€386k€411k▲
Equity10/15€229k€271k▲
Contributions10/11€6k€6k=
Reserves13€223k€265k▲
Distributable reserves133€223k€265k▲
Amounts payable17/49€157k€140k▼
Amounts payable after more than one year17€78k€47k▼
Financial debts170/4€78k€47k▼
Amounts payable within one year42/48€79k€92k▲
Current portion of amounts payable after more than one year42€30k€31k▲
Trade debts44€25k€54k▲
Suppliers440/4€25k€54k▲
Taxes, remuneration and social security45€20k€3k▼
Taxes450/3€18k-
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€4k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€136k€133k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€36k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€267k€229k▼
Operating profit (loss)9901€95k€58k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€96k€58k▼
Income taxes67/77€26k€16k▼
Profit (loss) for the period9904€71k€42k▼
Profit (loss) for the period to be appropriated9905€71k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€42k▼
Transfer to equity691/2€71k€42k▼
To other reserves6921€71k€42k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €62k | €113k | €116k | €136k | €133k | ▼ 2.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €15k | €25k | €34k | €36k | ▲ 5.9% |
| Other operating charges640/8 | €999 | €1k | €1k | €1k | €2k | ▲ 27.7% |
| Gross operating margin9900 | €68k | €161k | €258k | €267k | €229k | ▼ 14.1% |
| Operating profit (loss)9901 | €-2k | €32k | €116k | €95k | €58k | ▼ 38.7% |
| Financial income75/76B | €3k | €4k | €4k | €5k | €2k | ▼ 55.2% |
| Recurring financial income75 | €3k | €4k | €4k | €5k | €2k | ▼ 55.2% |
| Financial charges65/66B | €386 | €1k | €3k | €3k | €2k | ▼ 31.4% |
| Recurring financial charges65 | €386 | €1k | €3k | €3k | €2k | ▼ 31.4% |
| Profit (loss) for the period before taxes9903 | €532 | €35k | €118k | €96k | €58k | ▼ 39.8% |
| Income taxes67/77 | - | €3k | €33k | €26k | €16k | ▼ 37.5% |
| Profit (loss) for the period9904 | €532 | €32k | €85k | €71k | €42k | ▼ 40.6% |
| Profit (loss) for the period to be appropriated9905 | €532 | €32k | €85k | €71k | €42k | ▼ 40.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €92k | €279k | €357k | €386k | €411k | ▲ 6.4% |
| Fixed assets21/28 | €23k | €153k | €139k | €157k | €125k | ▼ 19.9% |
| Tangible fixed assets22/27 | €21k | €153k | €139k | €157k | €125k | ▼ 19.9% |
| Land and buildings22 | €3k | €2k | €2k | €1k | €576 | ▼ 52.3% |
| Plant, machinery and equipment23 | €10k | €110k | €106k | €94k | €80k | ▼ 15.1% |
| Furniture and vehicles24 | €8k | €41k | €31k | €61k | €45k | ▼ 26.7% |
| Financial fixed assets28 | €1k | - | - | - | - | - |
| Current assets29/58 | €70k | €126k | €218k | €229k | €285k | ▲ 24.3% |
| Stocks and contracts in progress3 | €9k | €5k | €840 | €416 | €2k | ▲ 420% |
| Stocks30/36 | €9k | €5k | €840 | €416 | €2k | ▲ 420% |
| Amounts receivable within one year40/41 | €53k | €69k | €134k | €43k | €96k | ▲ 122% |
| Trade receivables40 | €42k | €29k | €121k | €27k | €78k | ▲ 187% |
| Other amounts receivable41 | €11k | €40k | €14k | €16k | €18k | ▲ 12.9% |
| Cash at bank and in hand54/58 | €7k | €48k | €73k | €180k | €180k | ▲ 0.2% |
| Deferred charges and accrued income490/1 | - | €4k | €9k | €6k | €6k | ▲ 14.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €92k | €279k | €357k | €386k | €411k | ▲ 6.4% |
| Equity10/15 | €42k | €74k | €158k | €229k | €271k | ▲ 18.3% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €36k | €67k | €152k | €223k | €265k | ▲ 18.9% |
| Distributable reserves133 | €36k | €67k | €152k | €223k | €265k | ▲ 18.9% |
| Amounts payable17/49 | €50k | €205k | €198k | €157k | €140k | ▼ 11.1% |
| Amounts payable after more than one year17 | €287 | €117k | €94k | €78k | €47k | ▼ 39.4% |
| Financial debts170/4 | €287 | €117k | €94k | €78k | €47k | ▼ 39.4% |
| Amounts payable within one year42/48 | €50k | €89k | €105k | €79k | €92k | ▲ 17.1% |
| Current portion of amounts payable after more than one year42 | €3k | €23k | €23k | €30k | €31k | ▲ 2.4% |
| Trade debts44 | €41k | €57k | €50k | €25k | €54k | ▲ 122% |
| Suppliers440/4 | €41k | €57k | €50k | €25k | €54k | ▲ 122% |
| Taxes, remuneration and social security45 | €4k | €7k | €27k | €20k | €3k | ▼ 84.2% |
| Taxes450/3 | €3k | €3k | €22k | €18k | - | - |
| Remuneration and social security454/9 | €1k | €4k | €5k | €2k | €3k | ▲ 95.6% |
| Other amounts payable47/48 | €2k | €2k | €4k | €4k | €4k | ▼ 7.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €532 | €32k | €85k | €71k | €42k | ▼ 40.6% |
| + Depreciation and write-downs630 | €8k | €15k | €25k | €34k | €36k | ▲ 5.9% |
| Operating cash flow (approximation) | €8k | €47k | €109k | €105k | €78k | ▼ 25.5% |
| Investment in fixed assets (approximation) | - | €-146k | €-10k | €-52k | €-5k | ▲ 90.9% |
| Change in cash | - | €41k | €26k | €107k | €278 | ▼ 99.7% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Equity above €200kEq €229k ▲44.6%
6 profitable years in a row build equity to €229k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €85k ▲165%
Operating result €116k, net result €85k, both a record.
31-12
Financial
Equity above €150kEq €158k ▲114%
5 profitable years in a row build equity to €158k.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €532 ▼97.3%
Net result drops to €532, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Zoersel · 1 establishment unit since 2017
Ground area
1,259 m²
Building footprint
127 m²
Volume, LiDAR
478 m³
Parcel 11017B0086/00H000, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Dakwerken Noterman
since 20172.263.571.412
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017B0086/00H000 | Flanders | 1,259 m² | 1 · 127 m² | 8.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
2022 to 2025 · 4 entries · 607 EUR awarded · 549 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 202 EUR |
| 2024 | 1 | 260 EUR | 0 EUR |
| 2023 | 1 | 185 EUR | 185 EUR |
| 2022 | 1 | 162 EUR | 162 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,566 companies in sector 43410 we hold annual accounts for 4,363. 3,415 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
Founded22-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43421Specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.