De Bock - Verschooris
ActiveDe Bock - Verschooris has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €690k and a net result of €235k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency98▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 2.53 in 2024; short-term debt: 21.3% and cash: 21.4% of total assets), and 26.6% 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
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
73.4%
Return on assets
25%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
on the day
2023
50 d early
2022
67 d early
2021
58 d early
2020
57 d early
2019
52 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€690k▼ 2.1%
2024 · €705k
2018: €304k
2019: €362k
2020: €310k
2021: €383k
2022: €326k
2023: €551k
2024: €705k
2018 → 2025
Total assets
€940k▼ 12.2%
2024 · €1.07M
2018: €1.10M
2019: €1.09M
2020: €1.13M
2021: €1.01M
2022: €995k
2023: €976k
2024: €1.07M
2018 → 2025
Net result
€235k▲ 5.3%
2024 · €224k
2018: €114k
2019: €97k
2020: €148k
2021: €144k
2022: €133k
2023: €295k
2024: €224k
2018 → 2025
Working capital
€113k▼ 58.4%
2024 · €271k
2018: €203k
2019: €230k
2020: €113k
2021: €165k
2022: €111k
2023: €207k
2024: €271k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€383k-€326k▼ 14.9%€551k▲ 69.0%€705k▲ 27.9%€690k▼ 2.1%
Operating result€197k-€180k▼ 8.8%€397k▲ 121%€298k▼ 24.9%€309k▲ 3.7%
Net result€144k-€133k▼ 7.5%€295k▲ 122%€224k▼ 24.2%€235k▲ 5.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €940k
Fixed assets
€626k▲ 0.6%
Current assets
€313k▼ 30.0%
Equity and liabilities €940k
Equity
€690k▼ 2.1%
Provisions
€24k▼ 5.3%
Debt
€225k▼ 33.7%
The debt ratio falls from 31.7% to 24.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€357k▲
2024 · €331k
Cash flow
€283k▲
2024 · €257k
Solvency
73.4%▲
2024 · 65.8%
Current ratio
1.56▼
2024 · 2.53
Quick ratio
1.26▼
2024 · 2.08
Debt / equity
0.33▼
2024 · 0.48
ROE
34.1%▲
2024 · 31.7%
ROA
25.0%▲
2024 · 20.9%
Interest coverage
67.42▲
2024 · 46.03
Debt
€225k▼
2024 · €340k
Debt ≤ 1 year
€200k▲
2024 · €177k
Debt > 1 year
€25k▼
2024 · €163k
Income taxes
€79k▲
2024 · €76k
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€1.07M€940k▼
Fixed assets21/28€622k€626k▲
Tangible fixed assets22/27€622k€626k▲
Land and buildings22€542k€533k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€71k€87k▲
Other tangible fixed assets26€893€445▼
Current assets29/58€448k€313k▼
Stocks and contracts in progress3€81k€62k▼
Stocks30/36€81k€62k▼
Amounts receivable within one year40/41€39k€38k▼
Trade receivables40€33k€22k▼
Other amounts receivable41€6k€16k▲
Cash at bank and in hand54/58€318k€202k▼
Deferred charges and accrued income490/1€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.07M€940k▼
Equity10/15€705k€690k▼
Contributions10/11€19k€19k=
Reserves13€686k€671k▼
Tax-exempt reserves132€50k€47k▼
Distributable reserves133€636k€624k▼
Provisions and deferred taxes16€26k€24k▼
Deferred taxes168€26k€24k▼
Amounts payable17/49€340k€225k▼
Amounts payable after more than one year17€163k€25k▼
Financial debts170/4€163k€25k▼
Amounts payable within one year42/48€177k€200k▲
Current portion of amounts payable after more than one year42€53k€32k▼
Trade debts44€30k€19k▼
Suppliers440/4€30k€19k▼
Taxes, remuneration and social security45€16k€5k▼
Taxes450/3€16k€5k▼
Other amounts payable47/48€79k€144k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€47k▲
Other operating charges640/8€6k€6k▼
Non-recurring operating charges66A€319€881▲
Gross operating margin9900€338k€364k▲
Operating profit (loss)9901€298k€309k▲
Financial income75/76B€8k€9k▲
Recurring financial income75€8k€9k▲
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€299k€313k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€76k€79k▲
Profit (loss) for the period9904€224k€235k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€226k€238k▲
Appropriation of the result
Profit (loss) to be appropriated9906€226k€238k▲
Transfer from equity791/2-€115k
Transfer to equity691/2€156k€103k▼
To other reserves6921€156k€103k▼
Profit to be distributed694/7€70k€250k▲
Return on contributions (dividend)694€70k€250k▲
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €295k ▲122%
Operating result €397k, net result €295k, both a record.
31-12
Financial
Equity above €500kEq €551k ▲69%
6 profitable years in a row build equity to €551k.
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €97k ▼15.1%
Net result drops to €97k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-05
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
5 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, Lede · 1 establishment unit since 1991
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.
Oud-Smetlede 779340 LedeGround area
2,316 m²
Building footprint
210 m²
Volume, LiDAR
1,413 m³
Parcel 41066A0053/00B000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oud-Smetlede 77, 9340 Lede
since 19912.054.323.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41066A0053/00B000 | Flanders | 2,316 m² | 1 · 210 m² | 10.0 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
2023 to 2025 · 3 entries · 1,315 EUR awarded · 1,435 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 803 EUR | 803 EUR |
| 2024 | 1 | 512 EUR | 512 EUR |
| 2023 | 1 | 0 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 3,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-1991
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.