DE CHAPPER
ActiveFrom the official registers: KBO 14 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
DE CHAPPER has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99,131 and a net result of €13,829. Equity is growing by about 15% per year across the filed financial years. Its solvency ranks better than 21% of 34,855 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Official details
KBO- Status
- Active since 29-06-2011 Normal situation
- Legal form
- Private limited company
- Registered office
- Bekerveldweg 80, 3520 Zonhoven
- Activity
- Screed work NACE 43422and 5 others
- Establishment units
- 2.200.432.231 3520 Zonhoven, since 06-07-2011
- 2.385.737.071 3530 Houthalen-Helchteren, since 01-01-2026
- Financial year end
- 31 December
- Peppol
- Reachable since 31-08-2023
Who decides
- Jarne VanderheydenDaily manager
- VANDERHEYDEN KristofDirector · since 29-06-2011
How it is doing
- Bankruptcy probabilitywithin 12 months
- 0.4%
- Gross margin
- €81,998
- ▲ 19.5%
- Turnover
- ≈ €350,000
- estimated
- Profit
- €13,829
- ▲ 16.7%
- Equity
- €99,131
- ▲ 14.0%
- Total assets
- €512,062
- ▼ 10.0%
Why 82raises riskSector: Specialised construction activities (NACE 43)Liquidity: current ratio 0.54, cash €17,649, halvedlowers riskSize: total assets €512,062Founded in 2011Show the evidence
Checked score
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 21% on solvency, 37% on liquidity, 42% on profitability and 61% on growth.
The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 22 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials · financial year 2025, micro format
2025 annual accounts filed late (25 days) Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00422806.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 25-08-2026
- Format
- micro format
- Reference
- 2026-00422806
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 4,107 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 98.0% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,107 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €5,000 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,964 | €17,707 | €8,517 | €21,929 | €21,036 | €28,565 | €35,253 | €46,484 | ▲ 31.9% |
| Other operating charges640/8 | - | - | - | €3,754 | €3,375 | €4,588 | €5,229 | €5,189 | ▼ 0.8% |
| Gross operating margin9900 | €15,384 | €58,867 | €28,195 | €50,880 | €24,859 | €52,537 | €68,613 | €81,998 | ▲ 19.5% |
| Operating profit (loss)9901 | -€3,045 | €39,402 | €16,929 | €25,197 | €448 | €19,384 | €28,130 | €30,325 | ▲ 7.8% |
| Financial income75/76B | - | - | - | €3 | €10,390 | €223 | €358 | €312 | ▼ 12.8% |
| Recurring financial income75 | €76 | €1 | €1 | €3 | €27 | €223 | €358 | €312 | ▼ 12.8% |
| Non-recurring financial income76B | - | - | - | - | €10,363 | - | - | - | - |
| Financial charges65/66B | - | - | - | €8,931 | €8,233 | €8,720 | €9,275 | €9,985 | ▲ 7.7% |
| Recurring financial charges65 | €3,260 | €2,743 | €3,607 | €8,931 | €8,233 | €8,720 | €9,275 | €9,985 | ▲ 7.7% |
| Profit (loss) for the period before taxes9903 | -€6,229 | €36,660 | €13,324 | €16,268 | €2,604 | €10,887 | €19,212 | €20,651 | ▲ 7.5% |
| Income taxes67/77 | €228 | €8,293 | €1,196 | €1,595 | €369 | €4,756 | €7,364 | €6,822 | ▼ 7.4% |
| Profit (loss) for the period9904 | -€6,457 | €28,367 | €12,128 | €14,673 | €2,235 | €6,131 | €11,849 | €13,829 | ▲ 16.7% |
| Profit (loss) for the period to be appropriated9905 | -€6,457 | €28,367 | €12,128 | €14,673 | €2,235 | €6,131 | €11,849 | €13,829 | ▲ 16.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €62,021 | €89,670 | €494,168 | €487,461 | €470,711 | €499,284 | €569,191 | €512,062 | ▼ 10.0% |
| Fixed assets21/28 | €20,722 | €5,241 | €417,816 | €399,636 | €385,862 | €438,529 | €496,268 | €449,784 | ▼ 9.4% |
| Intangible fixed assets21 | €3,021 | €1,771 | €521 | - | - | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €17,566 | €3,335 | €417,160 | €399,501 | €385,727 | €438,394 | €496,133 | €449,649 | ▼ 9.4% |
| Land and buildings22 | - | - | - | €384,954 | €367,700 | €350,447 | €333,193 | €315,940 | ▼ 5.2% |
| Plant, machinery and equipment23 | - | - | - | €12,186 | €10,739 | €8,693 | €9,187 | €7,217 | ▼ 21.4% |
| Furniture and vehicles24 | - | - | - | €2,361 | €7,288 | €71,576 | €146,075 | €118,814 | ▼ 18.7% |
| Other tangible fixed assets26 | - | - | - | - | - | €7,678 | €7,678 | €7,678 | = |
| Financial fixed assets28 | €135 | €135 | €135 | €135 | €135 | €135 | €135 | €135 | = |
| Current assets29/58 | €41,299 | €84,429 | €76,351 | €87,825 | €84,849 | €60,756 | €72,923 | €62,279 | ▼ 14.6% |
| Stocks and contracts in progress3 | €1,898 | - | - | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €25,455 | €55,626 | €34,773 | €17,532 | €36,309 | €39,408 | €26,901 | €40,675 | ▲ 51.2% |
| Trade receivables40 | - | - | - | €15,272 | €22,199 | €23,400 | €13,912 | €34,054 | ▲ 145% |
| Other amounts receivable41 | - | - | - | €2,259 | €14,110 | €16,009 | €12,989 | €6,621 | ▼ 49.0% |
| Cash at bank and in hand54/58 | €9,407 | €22,108 | €34,426 | €65,352 | €44,104 | €19,202 | €39,748 | €17,649 | ▼ 55.6% |
| Deferred charges and accrued income490/1 | - | - | - | €4,941 | €4,436 | €2,145 | €6,274 | €3,956 | ▼ 36.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €62,021 | €89,670 | €494,168 | €487,461 | €470,711 | €499,284 | €569,191 | €512,062 | ▼ 10.0% |
| Equity10/15 | €15,730 | €43,284 | €55,412 | €70,085 | €72,320 | €76,785 | €86,968 | €99,131 | ▲ 14.0% |
| Contributions10/11 | €10,000 | €10,000 | - | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €5,730 | €33,284 | €45,412 | €60,085 | €62,320 | €66,785 | €76,968 | €89,131 | ▲ 15.8% |
| Non-distributable reserves130/1 | - | - | - | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2,000 | €2,000 | - | - | - | - |
| Distributable reserves133 | - | - | - | €58,085 | €60,320 | €66,785 | €76,968 | €89,131 | ▲ 15.8% |
| Amounts payable17/49 | €46,291 | €46,386 | €438,756 | €417,376 | €398,390 | €422,499 | €482,223 | €412,931 | ▼ 14.4% |
| Amounts payable after more than one year17 | €5,123 | - | €372,789 | €346,979 | €322,682 | €336,276 | €355,104 | €296,621 | ▼ 16.5% |
| Financial debts170/4 | - | - | - | €346,979 | €322,682 | €336,276 | €355,104 | €296,621 | ▼ 16.5% |
| Amounts payable within one year42/48 | €41,168 | €46,386 | €65,966 | €70,396 | €75,541 | €85,743 | €126,553 | €114,709 | ▼ 9.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €25,810 | €26,302 | €39,233 | €61,451 | €63,280 | ▲ 3.0% |
| Financial debts43 | - | - | - | - | €1,683 | €1,697 | €1,698 | €1,267 | ▼ 25.4% |
| Credit institutions430/8 | - | - | - | - | €1,683 | €1,697 | €1,698 | €1,267 | ▼ 25.4% |
| Trade debts44 | €22,192 | €31,862 | €33,242 | €38,873 | €37,888 | €38,234 | €59,065 | €44,441 | ▼ 24.8% |
| Suppliers440/4 | - | - | - | €38,873 | €37,888 | €38,234 | €59,065 | €44,441 | ▼ 24.8% |
| Taxes, remuneration and social security45 | - | - | - | €1,595 | €6,289 | €4,913 | €2,673 | €4,055 | ▲ 51.7% |
| Taxes450/3 | - | - | - | €1,595 | €6,289 | €1,913 | €173 | €2,305 | ▲ 13× |
| Remuneration and social security454/9 | - | - | - | - | - | €3,000 | €2,500 | €1,750 | ▼ 30.0% |
| Other amounts payable47/48 | - | - | - | €4,118 | €3,379 | €1,666 | €1,666 | €1,666 | = |
| Accrued charges and deferred income492/3 | - | - | - | - | €168 | €480 | €566 | €1,601 | ▲ 183% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,457 | €28,367 | €12,128 | €14,673 | €2,235 | €6,131 | €11,849 | €13,829 | ▲ 16.7% |
| + Depreciation and write-downs630 | €16,964 | €17,707 | €8,517 | €21,929 | €21,036 | €28,565 | €35,253 | €46,484 | ▲ 31.9% |
| Operating cash flow (approximation) | €10,508 | €46,073 | €20,644 | €36,602 | €23,272 | €34,696 | €47,102 | €60,314 | ▲ 28.0% |
| Investment in fixed assets (approximation) | - | -€2,226 | -€421,092 | -€3,749 | -€7,262 | -€81,232 | -€92,993 | €0 | - |
| Change in cash | - | €12,701 | €12,318 | €30,925 | -€21,248 | -€24,902 | €20,546 | -€22,099 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 14 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 25-08-2026 | 2026-00422806 | NBB |
| 31-12-2024 | micro format | 22-08-2025 | 2025-00396496 | |
| 31-12-2023 | micro format | 27-08-2024 | 2024-00390473 | |
| 31-12-2022 | micro format | 21-08-2023 | 2023-00341001 | |
| 31-12-2021 | micro format | 30-08-2022 | 2022-20345353 | |
| 31-12-2020 | micro format | 30-08-2021 | 2021-59100199 | |
| 31-12-2019 | micro format | 29-07-2020 | 2020-35600337 | |
| 31-12-2018 | micro format | 20-08-2019 | 2019-48200140 | |
| 31-12-2017 | micro format | 29-08-2018 | 2018-52800034 | |
| 31-12-2016 | micro format | 27-06-2017 | 2017-21800349 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Board 2
Day-to-day management 1
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| VANDERHEYDEN Kristof |
|
| Jarne Vanderheyden |
|
| VANDERHEYDEN René Noël Ghislain |
|
How the board is organised
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Het bestuursorgaan vertegenwoordigt de vennootschap jegens derden, met inbegrip van de vertegenwoordiging in rechte. Indien er verschillende…”
- Board ruleHow the board is made up, meets and takes decisions.
- “1, artikel 2:55 WVV”“Algemene kosten, los van representatie-, reis- en verplaatsingskosten, algemene vergadering”“Steeds door algemene vergadering wegens wettige reden, zonder opzeggingstermijn of vertrekvergoeding, artikel 5:73 WVV”
Articles of association, deed of 08-01-2024
Owners and capital
Capital and shareholders
- 08-01-2024 Converted to unavailable equity
Other provisions of the articles of association
- Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
- 1 more provision in the deed, see the deed of 08-01-2024
Articles of association, deed of 08-01-2024 (in Dutch)
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
07-01
Gazette deed
Appointment: Jarne Vanderheyden (director)4 facts ▸
- General meeting, 01-10-2024
- Director appointment, Jarne Vanderheyden (director (not named in the articles))
- Board meeting, 01-10-2024
- Director appointment, Jarne Vanderheyden (day-to-day manager)
08-01
Gazette deed
Resignations: VANDERHEYDEN Kristof (manager) and VANDERHEYDEN René Noël Ghislain (manager)Reappointment: VANDERHEYDEN Kristof (director) · Amendment of the articles · Capital conversion9 facts ▸
- General meeting, 28-12-2023
- Amendment of the articles (2 times)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “vormen en meerderheden van de statutenwijziging, opheffing” (deed in Dutch)
- Capital
- Director resignation, VANDERHEYDEN Kristof (manager)
- Director resignation, VANDERHEYDEN René Noël Ghislain (manager)
- Director reappointment, VANDERHEYDEN Kristof (director (not named in the articles))
- Registered office clause, “blijft gevestigd, 3520 Zonhoven,Bekerveldweg 80” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordWhere it is based
What it does
NACEBEL 2025Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0837.605.688
Financial year and general meeting
Accounts at the NBBScores and ratios are computed by Checked and are not a credit decision.
Purpose, financial year and meetings according to the articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Plaatsen, afwerken en herstellen van chape, isolatie en ondervloeren; Leggen van tegels, stenen en parketvloeren en mozaïek; Plaatsen van…”
36 activities
- Plaatsen, afwerken en herstellen van chape, isolatie en ondervloeren
- Leggen van tegels, stenen en parketvloeren en mozaïek
- Plaatsen van alle wand- en vloerbekleding
- Klinkerwerken
- Plaatsen van afsluitingen
- Isolatiewerkzaamheden
- Rioleringswerken
- Voegwerken
- Grondwerken
- Overige bouwinstallatiewerkzaamheden
- Afwerking van gebouwen
- Stukadoorswerk
- Hout en schrijnwerkerij
- Sanitair en verwarming, klimaatregeling en ventilatie
- Dakbedekking en bouw van dakconstructies
- Overige werkzaamheden in verband met de afwerking van gebouwen
- Overige bouwinstallatiewerkzaamheden
- Overige gespecialiseerde bouwactiviteiten
- Handelsbemiddeling in hout en bouwmaterialen
- Groot- en kleinhandel in machines voor bouwnijverheid en de weg- en waterbouw
- Groot- en kleinhandel in andere machines en werktuigen
- Groot- en kleinhandel in hout, bouwmaterialen en sanitair
- Groot- en kleinhandel in ijzerwaren en in installatiemateriaal voor loodgieterwerk en verwarming
- Verhuur en lease van machines en installaties voor de bouwnijverheid
- Verhuur en lease van vrachtwagens en alle andere auto’s, personenwagens en voertuigen, met of zonder bestuurder
- Reiniging van gebouwen
- Overige reiniging van gebouwen, industriële reiniging
- Het aanleggen van speelpleinen, sportvelden, parken en tuinen, parkeerplaatsen en inritten in diverse materialen
- Koeriersdiensten, vervoer over de weg, per spoor, door de lucht of over water van alle mogelijke goederen, zowel voor eigen rekening als voor derden
- Het beheer van en de handel in onroerende goederen voor eigen rekening. Zo kan de vennootschap onroerende goederen bouwen, renoveren, kopen en verkopen, huren en verhuren en alle mogelijke onroerende handelingen verrichten die daarmee verband houden
- Het beheer van eigen roerende goederen en vermogens
- Het verwerven (op eender welke wijze) en/of aanhouden van participaties in bestaande en/of nog op te richten ondernemingen; het beheren, valoriseren, en te gelde maken van deze participaties
- Het uitoefenen van bestuursmandaten in andere ondernemingen
- Daartoe kan de vennootschap samenwerken met, deelnemen in, of op gelijk welke wijze, rechtstreeks of onrechtstreeks, belangen nemen in andere ondernemingen
- Het toestaan van leningen en kredietopeningen aan vennootschappen en particulieren, onder om het even welke vorm. In dit kader kan zij zich ook borg stellen of aval verlenen, in de meest ruime zin, alle handels- en financiële operaties verrichten behalve die welke wettelijk voorbehouden zijn aan depositobanken, houders van deposito’s op korte termijn, spaarbanken, hypotheekmaatschappijen en kapitalisatieondernemingen; de vennootschap kan daarentegen als waarborg voor eigen verbintenissen en voor verbintenissen van derden borg staan, onder meer door haar goederen in hypotheek of in pand te geven, inclusief de eigen handelszaak
- De vennootschap kan zich rechtstreeks of onrechtstreeks interesseren bij middel van inbreng, afstand, samensmelting, inschrijving of aankoop van titels, financiële tussenkomst of op gelijk welke andere wijze, in alle zaken, ondernemingen, associaties of vennootschappen waarvan het voorwerp gelijkaardig, soortgelijk, samenhangend of eenvoudigweg nuttig zou zijn voor de verwezenlijking van het voorwerp in België en in het buitenland
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- DE CHAPPER
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest”
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 31 May at 16:00
Articles of association, deed of 08-01-2024 (in Dutch)
Environmental permits: No permit applications found in Flanders.
Sites & property
2 establishment units
Buildings and parcels at the addresses
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72015D0578/00W000 | Flanders | 1.1 ha | 1 · 5,558 m² | 8.3 m · 2 |
| 71443E0245/00G000 | Flanders | 1,245 m² | 1 · 233 m² | 9.1 m · 2 |