DE BACKER AFDICHTINGEN - KNOKKE
ActiveDE BACKER AFDICHTINGEN - KNOKKE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €987k and a net result of €976k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency87▲+31
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.47 in 2024), but 53.9% 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
46.1%
Return on assets
45.6%
Age of the figures
8 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 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
127 d early
2024
64 d early
2023
92 d early
2022
10 d late
2021
45 d early
2020
65 d early
2019
93 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€987k▲ 81.7%
2024 · €543k
2018: €459k
2019: €459k
2020: €597k
2021: €755k
2022: €322k
2023: €328k
2024: €543k
2018 → 2025
Total assets
€2.14M▲ 14.3%
2024 · €1.87M
2018: €847k
2019: €927k
2020: €1.49M
2021: €1.62M
2022: €1.23M
2023: €1.29M
2024: €1.87M
2018 → 2025
Net result
€976k▲ 18.7%
2024 · €822k
2018: €51k
2019: €136k
2020: €498k
2021: €254k
2022: €454k
2023: €306k
2024: €822k
2018 → 2025
Working capital
€878k▲ 62.3%
2024 · €541k
2018: €461k
2019: €479k
2020: €580k
2021: €983k
2022: €346k
2023: €290k
2024: €541k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€755k-€322k▼ 57.4%€328k▲ 2.0%€543k▲ 65.4%€987k▲ 81.7%
Operating result€342k-€241k▼ 29.5%€300k▲ 24.2%€893k▲ 198%€1.07M▲ 19.3%
Net result€254k-€454k▲ 78.4%€306k▼ 32.5%€822k▲ 168%€976k▲ 18.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 19% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.14M
Fixed assets
€209k▲ 17.7%
Current assets
€1.93M▲ 14.0%
Equity and liabilities €2.14M
Equity
€987k▲ 81.7%
Debt
€1.15M▼ 13.2%
The debt ratio falls from 71.0% to 53.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.08M▲
2024 · €914k
Cash flow
€995k▲
2024 · €843k
Solvency
46.1%▲
2024 · 29.0%
Current ratio
1.83▲
2024 · 1.47
Quick ratio
1.77▲
2024 · 1.41
Debt / equity
1.17▼
2024 · 2.45
ROE
98.9%▼
2024 · 151.3%
ROA
45.6%▲
2024 · 43.9%
Interest coverage
259.35▲
2024 · 221.93
Debt
€1.15M▼
2024 · €1.33M
Debt ≤ 1 year
€1.05M▼
2024 · €1.15M
Debt > 1 year
€101k▼
2024 · €176k
Income taxes
€146k▲
2024 · €109k
Staff costs
€910k▲
2024 · €798k
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€1.87M€2.14M▲
Fixed assets21/28€178k€209k▲
Tangible fixed assets22/27€45k€26k▼
Plant, machinery and equipment23€27k€16k▼
Furniture and vehicles24€19k€10k▼
Financial fixed assets28€133k€184k▲
Current assets29/58€1.69M€1.93M▲
Stocks and contracts in progress3€65k€68k▲
Stocks30/36€65k€68k▲
Amounts receivable within one year40/41€1.03M€903k▼
Trade receivables40€707k€903k▲
Other amounts receivable41€324k-
Cash at bank and in hand54/58€578k€945k▲
Deferred charges and accrued income490/1€19k€15k▼
Equity and liabilities
Total equity and liabilities10/49€1.87M€2.14M▲
Equity10/15€543k€987k▲
Contributions10/11€62k€62k=
Capital10-€62k
Issued capital100-€62k
Reserves13€6k€217k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130-€6k
Other1319€6k-
Tax-exempt reserves132-€211k
Distributable reserves133€8€8=
Profit (loss) carried forward14€475k€708k▲
Amounts payable17/49€1.33M€1.15M▼
Amounts payable after more than one year17€176k€101k▼
Financial debts170/4€176k€101k▼
Amounts payable within one year42/48€1.15M€1.05M▼
Current portion of amounts payable after more than one year42€74k€75k▲
Trade debts44€454k€245k▼
Suppliers440/4€454k€245k▼
Taxes, remuneration and social security45€14k€33k▲
Taxes450/3€5k€23k▲
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€611k€699k▲
Income statement
Code20242025
Non-recurring operating income76A-€14k
Remuneration, social security and pensions62€798k€910k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€19k▼
Other operating charges640/8€51k€50k▼
Gross operating margin9900€1.76M€2.04M▲
Operating profit (loss)9901€893k€1.07M▲
Financial income75/76B€42k€60k▲
Recurring financial income75€42k€60k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€931k€1.12M▲
Income taxes67/77€109k€146k▲
Profit (loss) for the period9904€822k€976k▲
Transfer to tax-exempt reserves689-€211k
Profit (loss) for the period to be appropriated9905€822k€765k▼
Appropriation of the result
Profit (loss) to be appropriated9906€977k€1.24M▲
Profit (loss) brought forward from the previous period14P€156k€475k▲
Transfer to equity691/2€2k-
To the legal reserve6920€2k-
Profit to be distributed694/7€500k€532k▲
Directors or managers695€500k€532k▲
Social balance
Average headcount (FTE)908715.216.2▲
The notes to these accounts (12 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €976k ▲18.7%
Operating result €1.07M, net result €976k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €543k ▲65.4%
7 profitable years in a row build equity to €543k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 4.47
Current ratio from 2.16 to 4.47; short-term debt falls from €499k to €283k.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €597k ▲29.9%
3 profitable years in a row build equity to €597k.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Knokke-Heist · 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.
't Walletje 798300 Knokke-HeistGround area
2,433 m²
Building footprint
1,001 m²
Volume, LiDAR
6,378 m³
Parcel 31039F0134/00V000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE BACKER AFDICHTINGEN KNOKKE
since 19962.075.753.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039F0134/00V000 | Flanders | 2,432 m² | 1 · 1,001 m² | 7.7 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 · 5 entries · 6,721 EUR awarded · 6,538 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,296 EUR | 2,296 EUR |
| 2024 | 1 | 75 EUR | 75 EUR |
| 2023 | 1 | 659 EUR | 1,917 EUR |
| 2022 | 1 | 3,691 EUR | 2,250 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Recognised contractor
3 categoriesDE BACKER AFDICHTINGEN - KNOKKE NV31519
Dual-learning approval
1 live approval · 1 endedDakwerker duaal (so)
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Of 8,481 companies in sector 43410 we hold annual accounts for 4,308. 2,040 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-01-1996
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.