DAKWERKEN STEPHANE
ActiveDAKWERKEN STEPHANE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 35% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+3
Solvency58▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.91 in 2024; short-term debt: 66.9% and cash: 32.3% of total assets), and 66.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
33.1%
Return on assets
4.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €34k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
55 d late
2023
61 d late
2022
66 d late
2021
75 d late
2020
31 d late
2019
87 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 14.1%
2024 · €30k
2018: €20k
2019: €-24k
2020: €-30k
2021: €-22k
2022: €5k
2023: €30k
2024: €30k
2018 → 2025
Total assets
€102k▼ 22.4%
2024 · €132k
2018: €194k
2019: €168k
2020: €151k
2021: €136k
2022: €146k
2023: €139k
2024: €132k
2018 → 2025
Net result
€4k▲ 1,929%
2024 · €207
2018: €-5k
2019: €-44k
2020: €-6k
2021: €7k
2022: €27k
2023: €24k
2024: €207
2018 → 2025
Working capital
€3k
2024 · €-9k
2018: €2k
2019: €-28k
2020: €-36k
2021: €-43k
2022: €-18k
2023: €-7k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-22k-€5k€30k▲ 477%€30k▲ 0.7%€34k▲ 14.1%
Operating result€17k-€34k▲ 100%€36k▲ 5.3%€5k▼ 85.4%€15k▲ 185%
Net result€7k-€27k▲ 265%€24k▼ 10.5%€207▼ 99.2%€4k▲ 1,929%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 185% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€30k▼ 22.2%
Current assets
€72k▼ 22.4%
Equity and liabilities €102k
Equity
€34k▲ 14.1%
Debt
€69k▼ 33.0%
The debt ratio falls from 77.5% to 66.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €16k
Cash flow
€16k▲
2024 · €11k
Solvency
33.1%▲
2024 · 22.5%
Current ratio
1.05▲
2024 · 0.91
Quick ratio
1.01▲
2024 · 0.85
Debt / equity
2.02▼
2024 · 3.44
ROE
12.4%▲
2024 · 0.7%
ROA
4.1%▲
2024 · 0.2%
Interest coverage
3.19▼
2024 · 3.32
Debt
€69k▼
2024 · €102k
Debt ≤ 1 year
€69k▼
2024 · €102k
Income taxes
€3k▲
2024 · €810
Staff costs
€70k▲
2024 · €58k
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€132k€102k▼
Fixed assets21/28€39k€30k▼
Tangible fixed assets22/27€39k€30k▼
Plant, machinery and equipment23€3k€29k▲
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€33k€0▼
Financial fixed assets28€500€500=
Current assets29/58€93k€72k▼
Stocks and contracts in progress3€5k€3k▼
Stocks30/36€2k€3k▲
Contracts in progress37€3k€0▼
Amounts receivable within one year40/41€24k€27k▲
Trade receivables40€7k€11k▲
Other amounts receivable41€17k€16k▼
Cash at bank and in hand54/58€58k€33k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€132k€102k▼
Equity10/15€30k€34k▲
Contributions10/11€20k€20k=
Reserves13€10k€14k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€12k▲
Profit (loss) carried forward14€207€207=
Amounts payable17/49€102k€69k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€102k€69k▼
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€47k€48k▲
Suppliers440/4€47k€48k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€45k€21k▼
Taxes450/3€31k€11k▼
Remuneration and social security454/9€14k€10k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€58k€70k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€76k€101k▲
Operating profit (loss)9901€5k€15k▲
Financial income75/76B€668€700▲
Recurring financial income75€668€700▲
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€1k€7k▲
Income taxes67/77€810€3k▲
Profit (loss) for the period9904€207€4k▲
Profit (loss) for the period to be appropriated9905€207€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€207€4k▲
Profit (loss) brought forward from the previous period14P€0€207▲
Transfer to equity691/2€0€4k▲
To other reserves6921€0€4k▲
The notes to these accounts (14 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Highest result since 2018net €27k ▲265%
Net result €27k, the highest in the series.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 86 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 49 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, Knokke-Heist · 1 establishment unit since 2013
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.
Boomgaarden 68300 Knokke-HeistGround area
672 m²
Building footprint
200 m²
Volume, LiDAR
1,007 m³
Parcel 31039E0119/00G002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Stephane
since 20132.218.425.137
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039E0119/00G002 | Flanders | 672 m² | 1 · 200 m² | 8.4 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.
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,478 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-04-2013
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.