De Loecker AnesRea
ActiveDe Loecker AnesRea has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114k and a net result of €95k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 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
Profitability100=
Solvency99▲+63
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.83 against 1.11 in 2024; short-term debt: 25.9% and cash: 23.3% of total assets), and 25.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
74.1%
Return on assets
61.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €114k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
2 d early
2022
5 d early
2021
4 d early
2020
29 d late
2019
121 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€114k▲ 504%
2024 · €19k
2018: €238k
2019: €359k
2020: €372k
2021: €19k
2022: €19k
2023: €19k
2024: €19k
2018 → 2025
Total assets
€154k▼ 9.7%
2024 · €171k
2018: €451k
2019: €545k
2020: €414k
2021: €230k
2022: €99k
2023: €220k
2024: €171k
2018 → 2025
Net result
€95k▼ 15.3%
2024 · €113k
2018: €103k
2019: €121k
2020: €13k
2021: €105k
2022: €67k
2023: €134k
2024: €113k
2018 → 2025
Working capital
€113k▲ 585%
2024 · €17k
2018: €201k
2019: €322k
2020: €373k
2021: €19k
2022: €18k
2023: €28k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€19k=€19k=€19k=€114k▲ 504%
Operating result€129k-€84k▼ 34.5%€148k▲ 75.4%€142k▼ 4.4%€114k▼ 19.8%
Net result€105k-€67k▼ 36.3%€134k▲ 99.0%€113k▼ 15.7%€95k▼ 15.3%
Turnover and EBIT margin not published: the 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 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€1k▼ 45.0%
Current assets
€153k▼ 9.2%
Equity and liabilities €154k
Equity
€114k▲ 504%
Debt
€40k▼ 73.7%
The debt ratio falls from 88.9% to 25.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115k▼
2024 · €143k
Cash flow
€97k▼
2024 · €113k
Solvency
74.1%▲
2024 · 11.1%
Current ratio
3.83▲
2024 · 1.11
Quick ratio
3.83▲
2024 · 1.11
Debt / equity
0.35▼
2024 · 8.02
ROE
83.4%▼
2024 · 594.2%
ROA
61.8%▼
2024 · 65.9%
Interest coverage
146.76▲
2024 · 61.50
Debt
€40k▼
2024 · €152k
Debt ≤ 1 year
€40k▼
2024 · €152k
Income taxes
€20k▼
2024 · €32k
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€171k€154k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€168k€153k▼
Amounts receivable within one year40/41€71k€109k▲
Trade receivables40€213€77k▲
Other amounts receivable41€71k€32k▼
Cash at bank and in hand54/58€29k€36k▲
Deferred charges and accrued income490/1€69k€8k▼
Equity and liabilities
Total equity and liabilities10/49€171k€154k▼
Equity10/15€19k€114k▲
Contributions10/11€4k€4k=
Reserves13€15k€15k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14-€95k
Amounts payable17/49€152k€40k▼
Amounts payable within one year42/48€152k€40k▼
Current portion of amounts payable after more than one year42€21k-
Trade debts44€18k€36k▲
Suppliers440/4€18k€36k▲
Taxes, remuneration and social security45€585€2k▲
Taxes450/3€585€2k▲
Other amounts payable47/48€113k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€899€1k▲
Other operating charges640/8€963€1k▲
Gross operating margin9900€144k€116k▼
Operating profit (loss)9901€142k€114k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€2k€782▼
Recurring financial charges65€2k€782▼
Profit (loss) for the period before taxes9903€145k€116k▼
Income taxes67/77€32k€20k▼
Profit (loss) for the period9904€113k€95k▼
Profit (loss) for the period to be appropriated9905€113k€95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€113k€95k▼
Profit to be distributed694/7€113k-
Return on contributions (dividend)694€113k-
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 3.83
Current ratio from 1.11 to 3.83; short-term debt falls from €152k to €40k.
31-12
Financial
Equity above €100kEq €114k ▲504%
8 profitable years in a row build equity to €114k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €134k ▲99%
Operating result €148k, net result €134k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Weakest financial yearnet €13k ▼89.1%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 121 days late
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 86 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Namur · 1 establishment unit since 2015
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.
Rue des Cyclamens(BL) 95001 NamurGround area
1,687 m²
Building footprint
299 m²
Volume, LiDAR
1,351 m³
2 parcels, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Loecker AnesRea
since 20152.245.248.211
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52070B0229/00K000 | Wallonia | 1,004 m² | 1 · 185 m² | 5.3 m · 1 fl. |
| 92010D0176/00N007 | Wallonia | 683 m² | 1 · 114 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 6,474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-08-2015
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.