DE COSTER RONALD
ActiveDE COSTER RONALD has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €4k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-12
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 27.96 against 3.7 in 2024; short-term debt: 3.1% and cash: 17.7% of total assets), and 3.1% 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
96.9%
Return on assets
3.3%
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
34 d early
2023
28 d late
2022
11 d early
2021
22 d late
2020
30 d late
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€270k
EBIT margin
10.5%
Net result
€4k▼ 78.9%
2024 · €20k
2018: €21k
2019: €8k
2020: €19k
2021: €10k
2022: €11k
2023: €-21k
2024: €20k
2018 → 2025
Working capital
€105k▲ 9.6%
2024 · €96k
2018: €67k
2019: €75k
2020: €93k
2021: €84k
2022: €96k
2023: €82k
2024: €96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€120k▲ 10.4%€99k▼ 17.2%€119k▲ 20.0%€123k▲ 3.5%
Operating result€8k-€11k▲ 33.4%€-25k€18k€4k▼ 78.9%
Net result€10k-€11k▲ 10.9%€-21k€20k€4k▼ 78.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€18k▼ 21.9%
Current assets
€109k▼ 17.0%
Equity and liabilities €127k
Equity
€123k▲ 3.5%
Debt
€4k▼ 89.0%
The debt ratio falls from 23.0% to 3.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €21k
Cash flow
€9k▼
2024 · €23k
Solvency
96.9%▲
2024 · 77.0%
Current ratio
27.96▲
2024 · 3.70
Quick ratio
26.93▲
2024 · 3.57
Debt / equity
0.03▼
2024 · 0.30
ROE
3.4%▼
2024 · 16.6%
ROA
3.3%▼
2024 · 12.8%
Interest coverage
1154.13▼
2024 · 4605.32
Debt
€4k▼
2024 · €35k
Debt ≤ 1 year
€4k▼
2024 · €35k
Income taxes
€3k▲
2024 · €3k
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€154k€127k▼
Fixed assets21/28€23k€18k▼
Tangible fixed assets22/27€23k€18k▼
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€9k€7k▼
Current assets29/58€131k€109k▼
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€98k€77k▼
Trade receivables40€36k€11k▼
Other amounts receivable41€62k€66k▲
Cash at bank and in hand54/58€23k€22k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€154k€127k▼
Equity10/15€119k€123k▲
Contributions10/11€19k€19k=
Reserves13€100k€104k▲
Distributable reserves133€100k€104k▲
Amounts payable17/49€35k€4k▼
Amounts payable within one year42/48€35k€4k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Advances received on contracts in progress46€28k-
Taxes, remuneration and social security45€4k-
Taxes450/3€3k-
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Gross operating margin9900€21k€9k▼
Operating profit (loss)9901€18k€4k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€5€8▲
Recurring financial charges65€5€8▲
Profit (loss) for the period before taxes9903€22k€7k▼
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€20k€4k▼
Profit (loss) for the period to be appropriated9905€20k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€4k▼
Profit (loss) brought forward from the previous period14P€-9k-
Transfer to equity691/2€11k€4k▼
To other reserves6921€11k€4k▼
The notes to these accounts (4 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 · micro schema
2025
31-12
Financial
Liquidity times 8current ratio 27.96
Current ratio from 3.70 to 27.96; short-term debt falls from €35k to €4k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Equity above €100kEq €119k ▲20%
Equity rises from €99k to €119k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-21k ▼284%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Equity above €100kEq €108k ▲10.3%
4 profitable years in a row build equity to €108k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Balen · 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.
Vennen 82490 BalenGround area
1,552 m²
Building footprint
157 m²
Volume, LiDAR
777 m³
Parcel 13342B1922/03D000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
geen
since 20042.135.687.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13342B1922/03D000 | Flanders | 1,551 m² | 1 · 157 m² | 8.4 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.
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,790 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2004
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43341Painting of buildings
45332
45441
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.