DE LEO bouwt
ActiveThe computed 12-month bankruptcy probability of DE LEO bouwt is 1.9% (moderate). The 2025 annual accounts show equity of €27k and a net result of €7k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 7331 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+84
Solvency85▲+18
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 1.94 in 2024; short-term debt: 31.8% and cash: 81.7% of total assets), and 40.4% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
59.6%
Return on assets
15.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 4 filingsDeviation from the deadline
2025
21 d late
2024
28 d late
2023
28 d late
2022
29 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 36.3%
2024 · €20k
2022: €19k
2023: €25k
2024: €20k
2022 → 2025
Total assets
€45k▼ 4.0%
2024 · €47k
2022: €49k
2023: €42k
2024: €47k
2022 → 2025
Net result
€7k
2024 · €-5k
2022: €9k
2023: €6k
2024: €-5k
2022 → 2025
Working capital
€28k▲ 43.3%
2024 · €20k
2022: €26k
2023: €23k
2024: €20k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€25k▲ 32.3%€20k▼ 20.7%€27k▲ 36.3%
Operating result€11k-€8k▼ 26.5%€-5k€10k
Net result€9k-€6k▼ 30.3%€-5k€7k
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: €10k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€2k▼ 62.0%
Current assets
€43k▲ 4.3%
Equity and liabilities €45k
Equity
€27k▲ 36.3%
Debt
€18k▼ 33.1%
The debt ratio falls from 58.0% to 40.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €-1k
Cash flow
€11k▲
2024 · €-1k
Solvency
59.6%▲
2024 · 42.0%
Current ratio
2.98▲
2024 · 1.94
Quick ratio
2.98▲
2024 · 1.94
Debt / equity
0.68▼
2024 · 1.38
ROE
26.6%▲
2024 · -26.0%
ROA
15.9%▲
2024 · -10.9%
Interest coverage
85.02▲
2024 · -4.77
Debt
€18k▼
2024 · €27k
Debt ≤ 1 year
€14k▼
2024 · €21k
Debt > 1 year
€4k▼
2024 · €6k
Income taxes
€2k▲
2024 · €128
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€47k€45k▼
Fixed assets21/28€6k€2k▼
Tangible fixed assets22/27€6k€2k▼
Plant, machinery and equipment23€792€502▼
Furniture and vehicles24€5k€2k▼
Current assets29/58€41k€43k▲
Amounts receivable within one year40/41€17k€3k▼
Trade receivables40€12k€2k▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€24k€37k▲
Deferred charges and accrued income490/1€137€3k▲
Equity and liabilities
Total equity and liabilities10/49€47k€45k▼
Equity10/15€20k€27k▲
Contributions10/11€10k€10k=
Reserves13€15k€17k▲
Distributable reserves133€15k€17k▲
Profit (loss) carried forward14€-5k-
Amounts payable17/49€27k€18k▼
Amounts payable after more than one year17€6k€4k▼
Financial debts170/4€6k€4k▼
Amounts payable within one year42/48€21k€14k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€13k€4k▼
Suppliers440/4€13k€4k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€997€3k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€712€536▼
Gross operating margin9900€-405€14k▲
Operating profit (loss)9901€-5k€10k▲
Financial income75/76B-€30
Recurring financial income75-€30
Financial charges65/66B€234€156▼
Recurring financial charges65€234€156▼
Profit (loss) for the period before taxes9903€-5k€10k▲
Income taxes67/77€128€2k▲
Profit (loss) for the period9904€-5k€7k▲
Profit (loss) for the period to be appropriated9905€-5k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€2k▲
Profit (loss) brought forward from the previous period14P€0€-5k▼
Transfer to equity691/2€0€2k▲
To other reserves6921€0€2k▲
The notes to these accounts (5 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-5k ▼185%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2021
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.
Albert Panisstraat(BEV) 1669120 Beveren-Kruibeke-ZwijndrechtGround area
159 m²
Building footprint
94 m²
Volume, LiDAR
785 m³
Parcel 46503C0670/00Z000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DE LEO bouwt
since 20212.319.133.705
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46503C0670/00Z000 | Flanders | 159 m² | 1 · 94 m² | 10.8 m · 3 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.
Similar companies · same sector, comparable size
BOUWERS
BE 0745.949.794
Oud-Heverlee · Eq €27k
Actuel Habitat
BE 0673.757.347
Herve · Eq €27k
D.C.C.
BE 0419.238.849
Keerbergen · Eq €27k
CONSTRUPPORT
BE 0778.858.035
Torhout · Eq €27k
CVDB Construct
BE 1001.063.556
Lille · Eq €27k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.