DE CLERCK A.
ActiveDE CLERCK A. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.01M and a net result of €23k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 80% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-29
Solvency93=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 3.34 in 2024; short-term debt: 18.2% and cash: 22% of total assets), and 32.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
67.8%
Return on assets
0.8%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
31 d early
2023
31 d early
2022
35 d early
2021
31 d early
2020
60 d early
2019
18 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€23k▼ 96.9%
2024 · €750k
2018: €98k
2019: €123k
2020: €176k
2021: €120k
2022: €221k
2023: €220k
2024: €750k
2018 → 2025
Working capital
€561k▼ 52.7%
2024 · €1.19M
2018: €159k
2019: €217k
2020: €213k
2021: €244k
2022: €260k
2023: €368k
2024: €1.19M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.16M-€1.31M▲ 12.9%€1.43M▲ 9.2%€2.08M▲ 45.3%€2.01M▼ 3.7%
Operating result€195k-€332k▲ 70.2%€318k▼ 4.3%€1.02M▲ 222%€25k▼ 97.5%
Net result€120k-€221k▲ 84.5%€220k▼ 0.3%€750k▲ 241%€23k▼ 96.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.96M
Fixed assets
€1.86M▲ 37.0%
Current assets
€1.10M▼ 35.1%
Equity and liabilities €2.96M
Equity
€2.01M▼ 3.7%
Provisions
€156k▼ 0.7%
Debt
€797k▼ 1.6%
The debt ratio rises from 26.5% to 26.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€64k▼
2024 · €1.06M
Cash flow
€62k▼
2024 · €784k
Solvency
67.8%▼
2024 · 68.3%
Current ratio
2.04▼
2024 · 3.34
Quick ratio
1.51▼
2024 · 3.29
Debt / equity
0.40▲
2024 · 0.39
ROE
1.1%▼
2024 · 36.0%
ROA
0.8%▼
2024 · 24.6%
Interest coverage
7.45▼
2024 · 86.30
Debt
€797k▼
2024 · €809k
Debt ≤ 1 year
€538k▲
2024 · €507k
Debt > 1 year
€259k▼
2024 · €301k
Income taxes
€8k▼
2024 · €119k
Staff costs
€29k▼
2024 · €41k
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€3.05M€2.96M▼
Fixed assets21/28€1.36M€1.86M▲
Tangible fixed assets22/27€1.36M€1.86M▲
Land and buildings22€1.35M€1.83M▲
Plant, machinery and equipment23€4k€12k▲
Furniture and vehicles24€2k€18k▲
Financial fixed assets28€1k€74▼
Current assets29/58€1.69M€1.10M▼
Stocks and contracts in progress3€27k€286k▲
Stocks30/36€27k€286k▲
Amounts receivable within one year40/41€220k€151k▼
Trade receivables40€199k€124k▼
Other amounts receivable41€22k€28k▲
Cash at bank and in hand54/58€1.43M€651k▼
Deferred charges and accrued income490/1€19k€10k▼
Equity and liabilities
Total equity and liabilities10/49€3.05M€2.96M▼
Equity10/15€2.08M€2.01M▼
Contributions10/11€120k€120k=
Capital10€120k€120k=
Issued capital100€120k€120k=
Reserves13€1.96M€1.89M▼
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Tax-exempt reserves132€473k€469k▼
Distributable reserves133€1.48M€1.41M▼
Provisions and deferred taxes16€158k€156k▼
Deferred taxes168€158k€156k▼
Amounts payable17/49€809k€797k▼
Amounts payable after more than one year17€301k€259k▼
Financial debts170/4€301k€259k▼
Amounts payable within one year42/48€507k€538k▲
Current portion of amounts payable after more than one year42€59k€44k▼
Trade debts44€108k€86k▼
Suppliers440/4€108k€86k▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€37k€32k▼
Taxes450/3€32k€27k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€303k€374k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Non-recurring operating income76A€895k€23k▼
Remuneration, social security and pensions62€41k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€39k▲
Other operating charges640/8€18k€15k▼
Gross operating margin9900€1.11M€109k▼
Operating profit (loss)9901€1.02M€25k▼
Financial income75/76B€17k€13k▼
Recurring financial income75€17k€13k▼
Financial charges65/66B€12k€9k▼
Recurring financial charges65€12k€9k▼
Profit (loss) for the period before taxes9903€1.03M€30k▼
Transfer from deferred taxes780-€1k
Transfer to deferred taxes680€158k-
Income taxes67/77€119k€8k▼
Profit (loss) for the period9904€750k€23k▼
Transfer from tax-exempt reserves789-€3k
Transfer to tax-exempt reserves689€473k-
Profit (loss) for the period to be appropriated9905€277k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€277k€26k▼
Transfer from equity791/2€100k€100k=
Transfer to equity691/2€277k€26k▼
To other reserves6921€277k€26k▼
Profit to be distributed694/7€100k€100k=
Return on contributions (dividend)694€100k€100k=
Social balance
Average headcount (FTE)90870.90.6▼
The notes to these accounts (17 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €23k ▼96.9%
Net result drops to €23k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €750k ▲241%
Operating result €1.02M, net result €750k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.34
Current ratio from 1.30 to 3.34; short-term debt falls from €1.22M to €507k.
31-12
Financial
Equity above €2MEq €2.08M ▲45.3%
7 profitable years in a row build equity to €2.08M.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.04M ▲5.9%
3 profitable years in a row build equity to €1.04M.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-06
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
6 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, Eeklo · 2 establishment units since 1995
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.
Raverschootstraat 2529900 EekloGround area
2,947 m²
Building footprint
487 m²
Volume, LiDAR
2,267 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Raverschootstraat 252, 9900 Eeklo
since 19952.074.049.149
Leopoldlaan 59, 9900 Eeklo
since 20072.214.540.484
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43005A0628/00G000 | Flanders | 1,496 m² | 1 · 325 m² | 6.4 m · 2 fl. |
| 43352F0105/00F002 | Flanders | 1,451 m² | 1 · 162 m² | 9.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 6,200 EUR awarded · 6,038 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,183 EUR | 1,021 EUR |
| 2024 | 1 | 126 EUR | 126 EUR |
| 2023 | 1 | 2,810 EUR | 2,810 EUR |
| 2022 | 2 | 2,081 EUR | 2,081 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,267 companies in sector 47300 we hold annual accounts for 947. 390 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-11-1995
Fiscal year end31-12
Activities, NACEBEL
46810Wholesale of solid, liquid and gaseous fuels and related products
47300Retail sale of automotive fuel
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43320Joinery installation
43331Floor and wall tiling
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.