Dave Bosmans
ActiveDave Bosmans has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €-16k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-31
Solvency83▲+1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 2.07 in 2024; short-term debt: 25% and cash: 11.1% of total assets), and 42.2% 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.8%
Return on assets
-10.2%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
44 d early
2023
19 d early
2022
25 d early
2021
31 d early
2020
24 d early
2019
39 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▼ 15.0%
2024 · €106k
2018: €91k
2019: €88k
2020: €67k
2021: €87k
2022: €106k
2023: €126k
2024: €106k
2018 → 2025
Total assets
€155k▼ 16.4%
2024 · €186k
2018: €170k
2019: €175k
2020: €138k
2021: €125k
2022: €151k
2023: €217k
2024: €186k
2018 → 2025
Net result
€-16k
2024 · €7k
2018: €8k
2019: €-3k
2020: €-21k
2021: €20k
2022: €20k
2023: €20k
2024: €7k
2018 → 2025
Working capital
€62k▲ 5.4%
2024 · €59k
2018: €81k
2019: €68k
2020: €41k
2021: €72k
2022: €82k
2023: €113k
2024: €59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€106k▲ 22.8%€126k▲ 18.5%€106k▼ 16.2%€90k▼ 15.0%
Operating result€23k-€24k▲ 3.9%€29k▲ 21.3%€12k▼ 56.5%€-14k
Net result€20k-€20k▼ 0.3%€20k▼ 0.5%€7k▼ 62.9%€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€55k▼ 24.1%
Current assets
€101k▼ 11.5%
Equity and liabilities €155k
Equity
€90k▼ 15.0%
Debt
€66k▼ 18.1%
The debt ratio falls from 43.1% to 42.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €33k
Cash flow
€8k▼
2024 · €28k
Solvency
57.8%▲
2024 · 56.9%
Current ratio
2.59▲
2024 · 2.07
Quick ratio
1.83▼
2024 · 2.07
Debt / equity
0.73▼
2024 · 0.76
ROE
-17.7%▼
2024 · 6.9%
ROA
-10.2%▼
2024 · 3.9%
Interest coverage
4.50▼
2024 · 7.89
Debt
€66k▼
2024 · €80k
Debt ≤ 1 year
€39k▼
2024 · €55k
Debt > 1 year
€25k=
2024 · €25k
Income taxes
€90▼
2024 · €3k
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€186k€155k▼
Fixed assets21/28€72k€55k▼
Tangible fixed assets22/27€72k€55k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€22k€21k▼
Furniture and vehicles24€47k€30k▼
Financial fixed assets28€185€185=
Current assets29/58€114k€101k▼
Stocks and contracts in progress3-€30k
Contracts in progress37-€30k
Amounts receivable within one year40/41€36k€46k▲
Trade receivables40€25k€31k▲
Other amounts receivable41€11k€15k▲
Cash at bank and in hand54/58€69k€17k▼
Deferred charges and accrued income490/1€8k€8k▼
Equity and liabilities
Total equity and liabilities10/49€186k€155k▼
Equity10/15€106k€90k▼
Contributions10/11€19k€19k=
Reserves13€87k€85k▼
Distributable reserves133€87k€85k▼
Profit (loss) carried forward14-€-14k
Amounts payable17/49€80k€66k▼
Amounts payable after more than one year17€25k€25k=
Financial debts170/4€25k€25k=
Amounts payable within one year42/48€55k€39k▼
Trade debts44€9k€19k▲
Suppliers440/4€9k€19k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€42k€15k▼
Accrued charges and deferred income492/3€103€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€24k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k-
Other operating charges640/8€31€343▲
Gross operating margin9900€41k€11k▼
Operating profit (loss)9901€12k€-14k▼
Financial income75/76B€2k€496▼
Recurring financial income75€2k€496▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€10k€-16k▼
Income taxes67/77€3k€90▼
Profit (loss) for the period9904€7k€-16k▼
Profit (loss) for the period to be appropriated9905€7k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-16k▼
Transfer from equity791/2€28k€2k▼
Transfer to equity691/2€7k-
To other reserves6921€7k-
Profit to be distributed694/7€28k-
Return on contributions (dividend)694€28k-
The notes to these accounts (7 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
10-09
State Gazette act
Incorporation · Founding capital
Corporate purpose · First fiscal year
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €106k ▲22.8%
2 profitable years in a row build equity to €106k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 6.60
Current ratio from 2.03 to 6.60; short-term debt falls from €40k to €13k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB 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, Beerse · 1 establishment unit since 2010
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.
Wetschot 672340 BeerseGround area
3,021 m²
Building footprint
398 m²
Parcel 13043C0404/00S000, Flanders. Linked by address, not a title deed.
1 establishment unit
Dave Bosmans
since 20102.189.768.565
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13043C0404/00S000 | Flanders | 3,021 m² | 1 · 398 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
FG TOITURES
BE 0841.510.434
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AVD CONSTRUCTION
BE 0776.391.859
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A & M Dakwerken
BE 1001.044.354
Sint-Niklaas · Eq €90k
DAKWERKEN LOTENS TIM
BE 1004.971.072
Zottegem · Eq €90k
THEUNISSEN GEERT
BE 0649.516.849
Riemst · Eq €90k
Of 11,140 companies in sector 43910 we hold annual accounts for 5,485. 4,800 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2010
Fiscal year end31-12
Activities, NACEBEL
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.