DE CROOCK
ActiveDE CROOCK has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €967k and a net result of €100k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 7719 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+1
Solvency90▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.4 in 2024; short-term debt: 9.1% and cash: 7% of total assets), and 35.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
64.6%
Return on assets
6.7%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
2023
13 d early
2022
24 d late
2021
31 d late
2020
5 d late
2019
6 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€967k▲ 11.6%
2024 · €867k
2018: €484k
2019: €525k
2020: €554k
2021: €629k
2022: €705k
2023: €781k
2024: €867k
2018 → 2025
Total assets
€1.50M▲ 3.9%
2024 · €1.44M
2018: €1.58M
2019: €1.61M
2020: €1.54M
2021: €1.50M
2022: €1.48M
2023: €1.43M
2024: €1.44M
2018 → 2025
Net result
€100k▲ 17.3%
2024 · €85k
2018: €38k
2019: €41k
2020: €29k
2021: €75k
2022: €76k
2023: €76k
2024: €85k
2018 → 2025
Working capital
€-3k▲ 96.9%
2024 · €-91k
2018: €-325k
2019: €-292k
2020: €-104k
2021: €-146k
2022: €-165k
2023: €-142k
2024: €-91k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€629k-€705k▲ 12.1%€781k▲ 10.8%€867k▲ 10.9%€967k▲ 11.6%
Operating result€132k-€129k▼ 1.9%€127k▼ 1.7%€149k▲ 17.0%€169k▲ 13.4%
Net result€75k-€76k▲ 1.3%€76k▼ 0.7%€85k▲ 12.7%€100k▲ 17.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.50M
Fixed assets
€1.36M▼ 1.2%
Current assets
€133k▲ 119%
Equity and liabilities €1.50M
Equity
€967k▲ 11.6%
Provisions
€63k▼ 2.5%
Debt
€466k▼ 8.3%
The debt ratio falls from 35.3% to 31.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€210k▲
2024 · €191k
Cash flow
€142k▲
2024 · €127k
Solvency
64.6%▲
2024 · 60.2%
Current ratio
0.98▲
2024 · 0.40
Quick ratio
0.98▲
2024 · 0.40
Debt / equity
0.48▼
2024 · 0.59
ROE
10.4%▲
2024 · 9.9%
ROA
6.7%▲
2024 · 5.9%
Interest coverage
11.27▲
2024 · 8.94
Debt
€466k▼
2024 · €509k
Debt ≤ 1 year
€136k▼
2024 · €151k
Debt > 1 year
€331k▼
2024 · €357k
Income taxes
€52k▲
2024 · €44k
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€1.44M€1.50M▲
Fixed assets21/28€1.38M€1.36M▼
Tangible fixed assets22/27€1.22M€1.20M▼
Land and buildings22€1.21M€1.19M▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€950€950=
Financial fixed assets28€164k€164k=
Current assets29/58€61k€133k▲
Amounts receivable within one year40/41€27k€27k=
Trade receivables40€27k€27k=
Cash at bank and in hand54/58€33k€105k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.50M▲
Equity10/15€867k€967k▲
Contributions10/11€242k€242k=
Capital10€242k€242k=
Issued capital100€242k€242k=
Reserves13€541k€642k▲
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Tax-exempt reserves132€121k€115k▼
Distributable reserves133€408k€514k▲
Profit (loss) carried forward14€84k€84k=
Provisions and deferred taxes16€65k€63k▼
Deferred taxes168€65k€63k▼
Amounts payable17/49€509k€466k▼
Amounts payable after more than one year17€357k€331k▼
Financial debts170/4€182k€156k▼
Other amounts payable178/9€175k€175k=
Amounts payable within one year42/48€151k€136k▼
Current portion of amounts payable after more than one year42€50k€41k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€61k€48k▼
Taxes450/3€61k€48k▼
Other amounts payable47/48€38k€45k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€42k▼
Other operating charges640/8€6k€4k▼
Gross operating margin9900€196k€215k▲
Operating profit (loss)9901€149k€169k▲
Financial income75/76B€51€337▲
Recurring financial income75€51€337▲
Financial charges65/66B€21k€19k▼
Recurring financial charges65€21k€19k▼
Profit (loss) for the period before taxes9903€128k€151k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€44k€52k▲
Profit (loss) for the period9904€85k€100k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€92k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€176k€190k▲
Profit (loss) brought forward from the previous period14P€84k€84k=
Transfer to equity691/2€92k€107k▲
To other reserves6921€92k€107k▲
The notes to these accounts (10 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €100k ▲17.3%
Operating result €169k, net result €100k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 5 days late
2020
31-12
Financial
Weakest financial yearnet €29k ▼29.9%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 6 days late
2019
31-12
Financial
Equity above €500kEq €525k ▲8.4%
2 profitable years in a row build equity to €525k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Mechelen · 1 establishment unit since 1994
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.
Muizenhoekstraat(MZN) 102812 MechelenGround area
1.1 ha
Building footprint
238 m²
Volume, LiDAR
910 m³
Parcel 12409A0096/00R000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DE CROOCK BVBA
since 19942.068.995.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12409A0096/00R000 | Flanders | 1.1 ha | 1 · 238 m² | 6.9 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
54930083LIQI2TLSFQ91
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VDS
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QUALITY POOL
BE 0476.283.559
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TOTO R.
BE 0821.252.676
Evere · Eq €973k
DE COCK E & C
BE 0441.657.133
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AMG RENOV
BE 0844.446.366
Brussel · Eq €975k
Of 7,289 companies in sector 43350 we hold annual accounts for 2,360. 922 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-10-1994
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 32 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.