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DE DRIE VIJVERS

Active
Naamloze vennootschap van publiek recht· 36 yrs active
Smekaertstraat 37 ·8660 De Panne, Belgium
KBO/BCE: BE 0441.038.412
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Age36 yrs

Summary

Conclusion

the dossier summarised in one paragraph

For the legal form of DE DRIE VIJVERS, Checked does not compute a bankruptcy probability. The 2024 annual accounts show equity of €54k and a net result of €-2k. Equity is shrinking by ~3.9% per year across the filed fiscal years. The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 26 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 26-08-2025 26 d late 2025-00406124
31-12-2023 31-07-2024 09-07-2024 22 d early 2024-00228571
31-12-2022 31-07-2023 29-08-2023 29 d late 2023-00371543
31-12-2021 31-07-2022 31-08-2022 31 d late 2022-20374441
31-12-2020 31-07-2021 06-09-2021 37 d late 2021-66300233
31-12-2019 31-07-2020 28-08-2020 28 d late 2020-46600461
31-12-2018 31-07-2019 30-08-2019 30 d late 2019-59600464
31-12-2017 31-07-2018 23-08-2018 23 d late 2018-49200577
31-12-2016 31-07-2017 07-07-2017 24 d early 2017-29100226
31-12-2015 31-07-2016 08-07-2016 23 d early 2016-29600467

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1990, 36 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

For this legal form (e.g. co-owners' association, public body or foreign branch) we don't show a bankruptcy probability: some of these forms legally cannot go bankrupt and no reliable figure is possible here.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-2k-3.7%
Working capital€33k-20.0%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
€-6k€-4k€-2k€0Operating result 2020: €-2k€-2kNet result 2020: €-2k€-2kOperating result 2021: €-2k€-2kNet result 2021: €-2k€-2kOperating result 2022: €-4k€-4kNet result 2022: €-4k€-4kOperating result 2023: €-2k€-2kNet result 2023: €-2k€-2kOperating result 2024: €-2k€-2kNet result 2024: €-2k€-2k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~58% of the level (threshold 35%). We therefore deliberately show no projection line.
€-2k€0€2k€4k2018: €5k2019: €4k2020: €-2k2021: €3262022: €-2k2023: €4192024: €4332018201920202021202220232024
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA
€3k
- 18-24
Net profit
€-2k
-3.7% 18-24
Cash flow
€3k
- 18-24
Total assets
€71k
-10.3% 18-24
Equity
€54k
-4.1% 18-24
Working capital
€33k
-20.0% 18-24
Income taxes
€2k
+6.3% 18-24
Debt
€16k
-26.5% 18-24
Show 7 other metrics
Debt ≤ 1y
€16k
+1.2% 18-24
Current ratio
3.07
-15.1% 18-24
Quick ratio
3.07
-15.1% 18-24
Solvency
77.2%
+7.0% 18-24
Debt / equity
0.30
-23.4% 18-24
ROE
-4.2%
-8.0% 18-24
ROA
-3.3%
-15.6% 18-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€-2k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€71k
Equity€54k
Debt€16k
of which ≤ 1y€16k
of which > 1y-
Working capital€33k
Employees (FTE)-
Ratios (computed)
2024
Current ratio3.07
Quick ratio3.07
Working capital ratio47.2%
Solvency77.2%
Debt / equity0.30
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-3.3%
ROE-4.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€71k
Fixed assets 21/28€21k
Tangible fixed assets 22/27€21k
Current assets 29/58€49k
Amounts receivable within one year 40/41€49k
Cash & bank 54/58€201
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€71k
Equity 10/15€54k
Contributions / capital 10/11€62k
Reserves 13€5k
Accumulated profits (losses) 14€-13k
Amounts payable 17/49€16k
Amounts payable within one year 42/48€16k
Trade debts payable within one year 44€536
Income statement
Gross operating margin 9900€433
Operating result 9901€-2k
Financial charges 65€140
Result before taxes 9903€-2k
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
62 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
3 companies at this address See who is registered here
Parcels1
Ground area7,472 m²
Buildings1
Building footprint524 m²
Volume (LiDAR)2,189 m³
Tallest building10.1 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
38001C0136/00L000 Flanders 7,472 m² 1 · 524 m² 10.1 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health62Profitability0Solvency100Growth32Stability100
59 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 62
Profitability 0
Solvency 100
Growth 32
Stability 100

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameNL DE DRIE VIJVERS
Registered office
Smekaertstraat 37
8660 De Panne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.