De Clercq A&C
ActiveDe Clercq A&C has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €11k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 41% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+10
Solvency49▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.4 in 2024; short-term debt: 63.5% and cash: 12.5% of total assets), and 76% 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 · 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
24%
Return on assets
2.7%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
18 d late
2023
3 d early
2022
12 d late
2021
16 d late
2020
13 d late
2019
20 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 12.7%
2024 · €89k
2018: €26k
2019: €27k
2020: €93k
2021: €136k
2022: €153k
2023: €116k
2024: €89k
2018 → 2025
Total assets
€418k▼ 12.5%
2024 · €478k
2018: €266k
2019: €405k
2020: €453k
2021: €515k
2022: €494k
2023: €532k
2024: €478k
2018 → 2025
Net result
€11k
2024 · €-27k
2018: €-233
2019: €414
2020: €66k
2021: €43k
2022: €18k
2023: €-37k
2024: €-27k
2018 → 2025
Working capital
€-155k▲ 16.2%
2024 · €-185k
2018: €36k
2019: €-189k
2020: €-125k
2021: €-109k
2022: €-98k
2023: €-195k
2024: €-185k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€153k▲ 12.9%€116k▼ 24.1%€89k▼ 23.4%€101k▲ 12.7%
Operating result€59k-€23k▼ 61.6%€-33k€-23k▲ 32.3%€15k
Net result€43k-€18k▼ 59.1%€-37k€-27k▲ 26.4%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €23k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €418k
Fixed assets
€308k▼ 12.6%
Current assets
€110k▼ 12.3%
Equity and liabilities €418k
Equity
€101k▲ 12.7%
Debt
€318k▼ 18.3%
The debt ratio falls from 81.3% to 76.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▲
2024 · €46k
Cash flow
€74k▲
2024 · €42k
Solvency
24.0%▲
2024 · 18.7%
Current ratio
0.41▲
2024 · 0.40
Quick ratio
0.23▲
2024 · 0.22
Debt / equity
3.16▼
2024 · 4.36
ROE
11.3%▲
2024 · -30.5%
ROA
2.7%▲
2024 · -5.7%
Interest coverage
23.07▲
2024 · 13.52
Debt
€318k▼
2024 · €389k
Debt ≤ 1 year
€266k▼
2024 · €311k
Debt > 1 year
€52k▼
2024 · €78k
Income taxes
€365▼
2024 · €1k
Staff costs
€324▲
2024 · €319
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€478k€418k▼
Fixed assets21/28€353k€308k▼
Tangible fixed assets22/27€353k€308k▼
Land and buildings22€215k€190k▼
Plant, machinery and equipment23€59k€63k▲
Furniture and vehicles24€79k€55k▼
Other tangible fixed assets26€0€0=
Current assets29/58€126k€110k▼
Stocks and contracts in progress3€58k€48k▼
Stocks30/36€58k€48k▼
Amounts receivable within one year40/41€9k€10k▲
Trade receivables40€8k€9k▲
Other amounts receivable41€830€830=
Cash at bank and in hand54/58€59k€52k▼
Equity and liabilities
Total equity and liabilities10/49€478k€418k▼
Equity10/15€89k€101k▲
Contributions10/11€30k€30k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€58k€69k▲
Amounts payable17/49€389k€318k▼
Amounts payable after more than one year17€78k€52k▼
Financial debts170/4€78k€52k▼
Amounts payable within one year42/48€311k€266k▼
Current portion of amounts payable after more than one year42€26k€26k▲
Trade debts44€43k€9k▼
Suppliers440/4€43k€9k▼
Taxes, remuneration and social security45€23k€20k▼
Taxes450/3€23k€20k▼
Other amounts payable47/48€220k€212k▼
Income statement
Code20242025
Non-recurring operating income76A-€500
Remuneration, social security and pensions62€319€324▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€62k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€48k€82k▲
Operating profit (loss)9901€-23k€15k▲
Financial income75/76B€30€64▲
Recurring financial income75€30€64▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-26k€12k▲
Income taxes67/77€1k€365▼
Profit (loss) for the period9904€-27k€11k▲
Profit (loss) for the period to be appropriated9905€-27k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€69k▲
Profit (loss) brought forward from the previous period14P€85k€58k▼
The notes to these accounts (9 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €101k ▲12.7%
Equity rises from €89k to €101k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-37k ▼311%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 12 days late
2022
31-12
Financial
Equity above €150kEq €153k ▲12.9%
4 profitable years in a row build equity to €153k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Equity above €100kEq €136k ▲46.1%
3 profitable years in a row build equity to €136k.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Highest result since 2018net €66k ▲15928%
Operating result €73k, net result €66k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Back to profitnet €414
Net result €414 after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
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, Tienen · 1 establishment unit since 2014
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.
Veemarkt 463300 TienenGround area
370 m²
Building footprint
295 m²
Volume, LiDAR
2,473 m³
2 parcels, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
De Clercq A&C
since 20142.232.550.812
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593H0746/00B000indicative | Flanders | 309 m² | 1 · 234 m² | 14.1 m · 2 fl. |
| 24593H0738/00A000 | Flanders | 61 m² | 1 · 61 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
LEVEAUX-MS
BE 0817.600.231
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SNIJERS
BE 0417.482.555
Sint-Niklaas · Eq €100k
Martine Jacobs
BE 0477.962.352
Boechout · Eq €101k
VAPERS
BE 0664.625.588
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BRASPENNINCX
BE 0425.564.536
Antwerpen · Eq €99k
Of 4,246 companies in sector 47789 we hold annual accounts for 1,021. 821 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2014
Fiscal year end31-12
Activities, NACEBEL
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.