DE DRIE ESSEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.97M and a net result of €524k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 5523 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
49 d early
2023
14 d early
2022
13 d early
2021
12 d early
2020
18 d early
2019
16 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.97M▲ 30.3%
2024 · €1.51M
2018: €651k
2019: €747k
2020: €797k
2021: €909k
2022: €951k
2023: €1.51M
2024: €1.51M
2018 → 2025
Net result
€524k▲ 5,593%
2024 · €9k
2018: €270k
2019: €121k
2020: €65k
2021: €138k
2022: €147k
2023: €787k
2024: €9k
2018 → 2025
Total assets
€3.37M▲ 18.2%
2024 · €2.85M
2018: €1.10M
2019: €1.29M
2020: €1.32M
2021: €1.35M
2022: €1.84M
2023: €3.31M
2024: €2.85M
2018 → 2025
Solvency
58.6%▲ 5.5pp
2024 · 53.2%
2018: 58.9%
2019: 58.0%
2020: 60.2%
2021: 67.2%
2022: 51.7%
2023: 45.5%
2024: 53.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€909k-€951k▲ 4.6%€1.51M▲ 58.3%€1.51M▲ 0.6%€1.97M▲ 30.3%
Operating result€176k-€192k▲ 9.4%€1.08M▲ 461%€92k▼ 91.4%€52k▼ 43.4%
Net result€138k-€147k▲ 6.9%€787k▲ 435%€9k▼ 98.8%€524k▲ 5,593%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 43% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.37M
Fixed assets
€1.32M▼ 49.4%
Current assets
€2.05M▲ 764%
Equity and liabilities €3.37M
Equity
€1.97M▲ 30.3%
Debt
€1.39M▲ 4.3%
The debt ratio falls from 46.8% to 41.4%. Equity and debt are higher.
Key figures and ratios
Solvency
58.6%▲
2024 · 53.2%
ROE
26.5%▲
2024 · 0.6%
ROA
15.6%▲
2024 · 0.3%
Debt
€1.39M▲
2024 · €1.33M
Debt ≤ 1 year
€133k▲
2024 · €122k
Debt > 1 year
€1.20M▲
2024 · €1.16M
Income taxes
€3k▼
2024 · €7k
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€2.85M€3.37M▲
Fixed assets21/28€2.61M€1.32M▼
Tangible fixed assets22/27€1.36M€1.32M▼
Land and buildings22€1.30M€1.28M▼
Plant, machinery and equipment23€453€84▼
Furniture and vehicles24€62k€45k▼
Leasing and similar rights25€0-
Financial fixed assets28€1.25M€0▼
Current assets29/58€237k€2.05M▲
Amounts receivable within one year40/41€21k€28k▲
Trade receivables40€20k€198▼
Other amounts receivable41€2k€28k▲
Current investments50/53€49k€1.75M▲
Cash at bank and in hand54/58€166k€264k▲
Equity and liabilities
Total equity and liabilities10/49€2.85M€3.37M▲
Equity10/15€1.51M€1.97M▲
Contributions10/11€210k€210k=
Capital10€210k€210k=
Issued capital100€210k€210k=
Revaluation surpluses12€10k€10k=
Reserves13€1.30M€1.75M▲
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€1.26M€1.72M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.33M€1.39M▲
Amounts payable after more than one year17€1.16M€1.20M▲
Financial debts170/4€30k€0▼
Other amounts payable178/9€1.13M€1.20M▲
Amounts payable within one year42/48€122k€133k▲
Current portion of amounts payable after more than one year42€29k€30k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€90k€28k▼
Taxes450/3€90k€28k▼
Other amounts payable47/48€0€73k▲
Accrued charges and deferred income492/3€57k€56k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€92k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€202k€149k▼
Operating profit (loss)9901€92k€52k▼
Financial income75/76B€6k€563k▲
Recurring financial income75€6k€563k▲
Financial charges65/66B€82k€88k▲
Recurring financial charges65€82k€88k▲
Profit (loss) for the period before taxes9903€17k€527k▲
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€9k€524k▲
Profit (loss) for the period to be appropriated9905€9k€524k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€524k▲
Transfer from equity791/2€0€39k▲
Transfer to equity691/2€9k€499k▲
To the legal reserve6920€0€499k▲
To other reserves6921€9k-
Profit to be distributed694/7€0€64k▲
Return on contributions (dividend)694€0€39k▲
Directors or managers695€0€25k▲
The notes to these accounts (11 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 8current ratio 15.37
Current ratio from 1.94 to 15.37.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €9k ▼98.8%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.94
Current ratio from 0.90 to 1.94; short-term debt falls from €668k to €122k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €787k ▲435%
Operating result €1.08M, net result €787k, both a record.
31-12
Financial
Equity above €1MEq €1.51M ▲58.3%
6 profitable years in a row build equity to €1.51M.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Dentergem · 1 establishment unit since 2005
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.
Boerderijstraat(Wak) 238720 DentergemGround area
3,776 m²
Building footprint
199 m²
Volume, LiDAR
1,147 m³
Parcel 37016A0135/00C000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Drie Essen
since 20052.147.695.113
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37016A0135/00C000 | Flanders | 3,776 m² | 1 · 199 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,125 EUR awarded · 1,125 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,125 EUR | 1,125 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Similar companies · same sector, comparable size
ALBIMO
BE 0423.275.138
Bree · Eq €1.97M
BIGECON
BE 0879.826.820
Tielt-Winge · Eq €1.97M
BELUX MONDIAL INVEST
BE 0450.934.588
Nieuwerkerken (Limb.) · Eq €1.98M
BRANCART INVEST
BE 1006.561.773
Quiévrain · Eq €1.97M
BRANDSPLUS GROUP
BE 0454.774.107
Antwerpen · Eq €1.98M
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 10,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-2005
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:inge@vanco.be
Phone:0477.77.72.67