DAKWERKEN SPEELMAN
ActiveSummary
DAKWERKEN SPEELMAN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €556k and a net result of €60k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 64% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-12
Solvency81▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 2.13 in 2024; short-term debt: 16.4% and cash: 20.1% of total assets), and 43.6% of the assets are financed with debt.
Credit check for your own amount and term
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
56.4%
Return on assets
6.1%
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 31-08-2026, 31 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
31 d late
2024
31 d late
2023
61 d late
2022
252 d late
2021
19 d late
2020
31 d late
2019
46 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€556k▲ 11.1%
2024 · €500k
2018: €261k
2019: €265k
2020: €330k
2021: €340k
2022: €353k
2023: €420k
2024: €500k
2018 → 2025
Total assets
€985k▲ 5.1%
2024 · €937k
2018: €997k
2019: €969k
2020: €957k
2021: €1.03M
2022: €930k
2023: €897k
2024: €937k
2018 → 2025
Net result
€60k▼ 59.1%
2024 · €147k
2018: €67k
2019: €5k
2020: €98k
2021: €42k
2022: €68k
2023: €67k
2024: €147k
2018 → 2025
Working capital
€236k▲ 31.3%
2024 · €180k
2018: €138k
2019: €126k
2020: €146k
2021: €144k
2022: €151k
2023: €218k
2024: €180k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€340k-€353k▲ 3.8%€420k▲ 19.0%€500k▲ 19.2%€556k▲ 11.1%
Operating result€67k-€105k▲ 56.2%€110k▲ 4.5%€226k▲ 106%€96k▼ 57.7%
Net result€42k-€68k▲ 60.2%€67k▼ 1.0%€147k▲ 119%€60k▼ 59.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €985k
Fixed assets
€587k ▼ 2.0%
Current assets
€398k ▲ 17.6%
Equity and liabilities €985k
Equity
€556k ▲ 11.1%
Provisions
€91k =
Debt
€338k ▼ 2.3%
Debt's share of the balance-sheet total falls from 36.9% to 34.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€178k▼
2024 · €286k
Cash flow
€142k▼
2024 · €207k
Current ratio
2.46▲
2024 · 2.13
Quick ratio
1.89▲
2024 · 1.56
Debt to equity
0.61▼
2024 · 0.69
ROE
10.8%▼
2024 · 29.4%
ROA
6.1%▼
2024 · 15.7%
Interest coverage
10.40▼
2024 · 17.93
Debt ≤ 1 year
€162k▲
2024 · €158k
Debt > 1 year
€176k▼
2024 · €187k
Income taxes
€20k▼
2024 · €65k
Staff costs
€588k▲
2024 · €534k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€937k€985k▲
Fixed assets21/28€599k€587k▼
Tangible fixed assets22/27€599k€587k▼
Land and buildings22€526k€485k▼
Plant, machinery and equipment23€2k€52k▲
Furniture and vehicles24€21k€13k▼
Leasing and similar rights25€50k€37k▼
Current assets29/58€338k€398k▲
Stocks and contracts in progress3€90k€91k▲
Stocks30/36€90k€91k▲
Amounts receivable within one year40/41€53k€70k▲
Trade receivables40€21k€29k▲
Other amounts receivable41€32k€41k▲
Cash at bank and in hand54/58€172k€198k▲
Deferred charges and accrued income490/1€23k€38k▲
Equity and liabilities
Total equity and liabilities10/49€937k€985k▲
Equity10/15€500k€556k▲
Contributions10/11€12k€12k=
Reserves13€488k€543k▲
Distributable reserves133€488k€543k▲
Provisions and deferred taxes16€91k€91k=
Provisions for liabilities and charges160/5€91k€91k=
Pensions and similar obligations160€91k€91k=
Amounts payable17/49€346k€338k▼
Amounts payable after more than one year17€187k€176k▼
Financial debts170/4€187k€176k▼
Amounts payable within one year42/48€158k€162k▲
Current portion of amounts payable after more than one year42€61k€72k▲
Financial debts43€8k-
Credit institutions430/8€8k-
Trade debts44€60k€62k▲
Suppliers440/4€60k€62k▲
Taxes, remuneration and social security45€29k€28k▼
Taxes450/3€15k€13k▼
Remuneration and social security454/9€13k€15k▲
Accrued charges and deferred income492/3€490€87▼
Income statement
Code20242025
Non-recurring operating income76A€319-
Remuneration, social security and pensions62€534k€588k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€82k▲
Other operating charges640/8€10k€11k▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€835k€776k▼
Operating profit (loss)9901€226k€96k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€16k€17k▲
Recurring financial charges65€16k€17k▲
Profit (loss) for the period before taxes9903€212k€80k▼
Income taxes67/77€65k€20k▼
Profit (loss) for the period9904€147k€60k▼
Profit (loss) for the period to be appropriated9905€147k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€147k€60k▼
Transfer from equity791/2€67k€5k▼
Transfer to equity691/2€147k€60k▼
To other reserves6921€147k€60k▼
Profit to be distributed694/7€67k€5k▼
Return on contributions (dividend)694€67k€5k▼
Social balance
Average headcount (FTE)90879.810.8▲
The notes to these accounts (16 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €147k ▲119%
Operating result €226k, net result €147k, both a record.
31-12
Financial
Equity above €500kEq €500k ▲19.2%
7 profitable years in a row build equity to €500k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
08-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 252 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 46 days late
2019
31-12
Financial
Weakest financial yearnet €5k ▼93.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mortsel · 1 establishment unit since 1996
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.
Drabstraat 254A2640 MortselGround area
270 m²
Building footprint
88 m²
Volume, LiDAR
502 m³
Parcel 11512B0176/00K002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DAKWERKEN SPEELMAN BVBA
since 19962.074.912.845
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11512B0176/00K002 | Flanders | 270 m² | 1 · 88 m² | 8.1 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
2022 to 2025 · 4 entries · 1,460 EUR awarded · 1,461 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 203 EUR | 475 EUR |
| 2024 | 1 | 612 EUR | 341 EUR |
| 2023 | 1 | 325 EUR | 325 EUR |
| 2022 | 1 | 320 EUR | 320 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
CAVAN
BE 0478.369.356
Zonnebeke · Eq €555,606
DECEUNINCK DAKWERKEN
BE 0889.022.717
Ieper · Eq €556,141
DAKWERKEN VERLINDEN
BE 0477.826.849
Brasschaat · Eq €555,294
VAN CUTSEM R
BE 0806.741.674
Rumst · Eq €554,776
DAKWERKEN RENAAT ROGIERS
BE 0835.379.737
Wichelen · Eq €557,083
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 2,743 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-1995
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.