DE BLADWIJZER
ActiveDE BLADWIJZER has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €10k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-2
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.63 against 2.13 in 2024; short-term debt: 13.7% and cash: 19% of total assets), and 13.7% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
86.3%
Return on assets
8.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
25 d early
2023
2 d early
2022
47 d early
2021
42 d early
2020
26 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▲ 8.4%
2024 · €97k
2019: €42k
2020: €45k
2021: €53k
2022: €69k
2023: €88k
2024: €97k
2019 → 2025
Total assets
€122k▼ 10.1%
2024 · €135k
2019: €173k
2020: €147k
2021: €164k
2022: €157k
2023: €140k
2024: €135k
2019 → 2025
Net result
€10k▼ 24.8%
2024 · €14k
2019: €2k
2020: €4k
2021: €14k
2022: €17k
2023: €19k
2024: €14k
2019 → 2025
Working capital
€61k▲ 40.1%
2024 · €43k
2019: €11k
2020: €7k
2021: €5k
2022: €9k
2023: €22k
2024: €43k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€69k▲ 31.2%€88k▲ 26.9%€97k▲ 9.9%€105k▲ 8.4%
Operating result€23k-€26k▲ 13.1%€27k▲ 6.1%€23k▼ 16.3%€18k▼ 20.4%
Net result€14k-€17k▲ 25.0%€19k▲ 8.8%€14k▼ 26.4%€10k▼ 24.8%
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 20% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€44k▼ 17.6%
Current assets
€77k▼ 5.3%
Equity and liabilities €122k
Equity
€105k▲ 8.4%
Debt
€17k▼ 56.7%
The debt ratio falls from 28.5% to 13.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €39k
Cash flow
€24k▼
2024 · €30k
Solvency
86.3%▲
2024 · 71.5%
Current ratio
4.63▲
2024 · 2.13
Quick ratio
2.59▲
2024 · 1.31
Debt / equity
0.16▼
2024 · 0.40
ROE
9.8%▼
2024 · 14.2%
ROA
8.5%▼
2024 · 10.2%
Interest coverage
9.03▼
2024 · 12.54
Debt
€17k▼
2024 · €39k
Debt ≤ 1 year
€17k▼
2024 · €38k
Income taxes
€5k▼
2024 · €6k
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€122k▼
Fixed assets21/28€54k€44k▼
Tangible fixed assets22/27€53k€44k▼
Land and buildings22€52k€39k▼
Plant, machinery and equipment23€274€4k▲
Furniture and vehicles24€183€297▲
Leasing and similar rights25€1k€124▼
Financial fixed assets28€150€150=
Current assets29/58€82k€77k▼
Stocks and contracts in progress3€31k€34k▲
Stocks30/36€31k€34k▲
Amounts receivable within one year40/41€30k€19k▼
Trade receivables40-€918
Other amounts receivable41€30k€19k▼
Cash at bank and in hand54/58€19k€23k▲
Deferred charges and accrued income490/1€2k€691▼
Equity and liabilities
Total equity and liabilities10/49€135k€122k▼
Equity10/15€97k€105k▲
Contributions10/11€19k€19k=
Reserves13€78k€86k▲
Distributable reserves133€78k€86k▲
Amounts payable17/49€39k€17k▼
Amounts payable after more than one year17€160-
Financial debts170/4€160-
Amounts payable within one year42/48€38k€17k▼
Current portion of amounts payable after more than one year42€900€160▼
Trade debts44€23k€7k▼
Suppliers440/4€23k€7k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€9k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€14k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€41k€34k▼
Operating profit (loss)9901€23k€18k▼
Financial income75/76B€30€283▲
Recurring financial income75€30€283▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€20k€15k▼
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€14k€10k▼
Profit (loss) for the period to be appropriated9905€14k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€10k▼
Transfer from equity791/2€5k€2k▼
Transfer to equity691/2€14k€10k▼
To other reserves6921€14k€10k▼
Profit to be distributed694/7€5k€2k▼
Return on contributions (dividend)694-€2k
Directors or managers695€5k-
The notes to these accounts (8 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 4.63
Current ratio from 2.13 to 4.63; short-term debt falls from €38k to €17k.
30-06
Financial
Equity above €100kEq €105k ▲8.4%
7 profitable years in a row build equity to €105k.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €19k ▲8.8%
Operating result €27k, net result €19k, both a record.
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-01
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
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, Harelbeke · 1 establishment unit since 2004
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.
Marktstraat 838530 HarelbekeGround area
98 m²
Parcel 34013A0682/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
De Bladwijzer
since 20042.144.397.113
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34013A0682/00E000 | Flanders | 98 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteHarelbeke2.144.397.113
Similar companies · same sector, comparable size
LA FEUILLE DE CHOU
BE 0449.965.479
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LA PAPETERIE
BE 0450.463.347
Waremme · Eq €105k
H&SC
BE 0811.804.579
Turnhout · Eq €106k
Jona
BE 0896.117.276
Oudenaarde · Eq €104k
BRUSEL
BE 0453.192.314
Brussel · Eq €106k
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,092 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2004
Fiscal year end30-06
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
47260Retail trade
47540Retail sale of electrical household appliances
47750Retail sale of cosmetics and toilet articles
47784Retail sale of souvenirs and religious articles
47786Retail trade
52450
52497
53200Other postal and courier activities
64120
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.