Dakwerken VR
ActiveThe computed 12-month bankruptcy probability of Dakwerken VR is 2.3% (moderate). The 2025 annual accounts show equity of €69k and a net result of €12k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 27676 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-16
Solvency67=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.23 in 2024; short-term debt: 20.6% and cash: 3.3% of total assets), but 58.3% 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
41.7%
Return on assets
7.3%
Age of the figures
9 mo
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 21-05-2026, 71 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
71 d early
2024
44 d early
2023
48 d early
← 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
€69k▲ 21.1%
2024 · €57k
2023: €32k
2024: €57k
2023 → 2025
Total assets
€165k▲ 22.6%
2024 · €135k
2023: €63k
2024: €135k
2023 → 2025
Net result
€12k▼ 55.5%
2024 · €27k
2023: €30k
2024: €27k
2023 → 2025
Working capital
€47k▲ 33.2%
2024 · €35k
2023: €19k
2024: €35k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€32k-€57k▲ 80.4%€69k▲ 21.1%
Operating result€41k-€37k▼ 10.1%€15k▼ 57.9%
Net result€30k-€27k▼ 10.6%€12k▼ 55.5%
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 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€85k▲ 18.8%
Current assets
€81k▲ 26.9%
Equity and liabilities €165k
Equity
€69k▲ 21.1%
Debt
€96k▲ 23.7%
The debt ratio rises from 57.8% to 58.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €41k
Cash flow
€26k▼
2024 · €31k
Solvency
41.7%▼
2024 · 42.2%
Current ratio
2.37▲
2024 · 2.23
Quick ratio
2.37▲
2024 · 2.23
Debt / equity
1.40▲
2024 · 1.37
ROE
17.4%▼
2024 · 47.4%
ROA
7.3%▼
2024 · 20.0%
Interest coverage
12.55▼
2024 · 85.26
Debt
€96k▲
2024 · €78k
Debt ≤ 1 year
€34k▲
2024 · €29k
Debt > 1 year
€62k▲
2024 · €49k
Income taxes
€3k▼
2024 · €9k
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€135k€165k▲
Fixed assets21/28€71k€85k▲
Tangible fixed assets22/27€71k€85k▲
Plant, machinery and equipment23€411€281▼
Furniture and vehicles24€71k€84k▲
Current assets29/58€64k€81k▲
Amounts receivable within one year40/41€32k€53k▲
Trade receivables40€2k€2k▲
Other amounts receivable41€30k€50k▲
Cash at bank and in hand54/58€6k€5k▼
Deferred charges and accrued income490/1€26k€23k▼
Equity and liabilities
Total equity and liabilities10/49€135k€165k▲
Equity10/15€57k€69k▲
Contributions10/11€3k€3k=
Reserves13€54k€66k▲
Distributable reserves133€54k€66k▲
Amounts payable17/49€78k€96k▲
Amounts payable after more than one year17€49k€62k▲
Financial debts170/4€49k€62k▲
Amounts payable within one year42/48€29k€34k▲
Current portion of amounts payable after more than one year42€11k€18k▲
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€9k€12k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€326€312▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€14k▲
Other operating charges640/8€741€719▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€42k€34k▼
Operating profit (loss)9901€37k€15k▼
Financial income75/76B€303€2k▲
Recurring financial income75€303€2k▲
Financial charges65/66B€481€2k▲
Recurring financial charges65€481€2k▲
Profit (loss) for the period before taxes9903€36k€15k▼
Income taxes67/77€9k€3k▼
Profit (loss) for the period9904€27k€12k▼
Profit (loss) for the period to be appropriated9905€27k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€12k▼
Transfer to equity691/2€25k€12k▼
To other reserves6921€25k€12k▼
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (10 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €12k ▼55.5%
Net result drops to €12k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Harelbeke · 1 establishment unit since 2023
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.
Boekweitstraat 38530 HarelbekeGround area
544 m²
Building footprint
121 m²
Parcel 34322B0301/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Dakwerken VR
since 20232.341.604.843
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34322B0301/00D000 | Flanders | 544 m² | 1 · 121 m² | - |
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.
Similar companies · same sector, comparable size
ETS SEGERS F
BE 0660.624.933
Charleroi · Eq €69k
DAKWERKEN INZÉ
BE 0774.909.937
Roosdaal · Eq €69k
MIDI - BATI
BE 0785.914.586
Schaarbeek · Eq €69k
F.T.P. Dakwerken
BE 0873.410.863
Lommel · Eq €69k
TOITURES ET CHARPENTES BLEY
BE 0889.881.265
Ans · Eq €69k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,774 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.