DE LUYCK
ActiveDE LUYCK has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €319k and a net result of €35k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 85% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+14
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 6.58 against 6.01 in 2024; short-term debt: 15.2% and cash: 1.9% of total assets), and 15.4% 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
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
84.6%
Return on assets
9.2%
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
30 d late
2022
51 d late
2021
60 d late
2020
61 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
€319k▲ 11.9%
2024 · €285k
2020: €112k
2021: €146k
2022: €196k
2023: €273k
2024: €285k
2020 → 2025
Total assets
€377k▲ 9.6%
2024 · €344k
2020: €387k
2021: €492k
2022: €342k
2023: €346k
2024: €344k
2020 → 2025
Net result
€35k▲ 173%
2024 · €13k
2020: €47k
2021: €34k
2022: €51k
2023: €77k
2024: €13k
2020 → 2025
Working capital
€320k▲ 11.5%
2024 · €287k
2020: €62k
2021: €99k
2022: €204k
2023: €278k
2024: €287k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€146k-€196k▲ 34.5%€273k▲ 39.3%€285k▲ 4.4%€319k▲ 11.9%
Operating result€54k-€61k▲ 14.0%€84k▲ 36.6%€26k▼ 68.9%€39k▲ 50.6%
Net result€34k-€51k▲ 48.2%€77k▲ 50.9%€13k▼ 83.5%€35k▲ 173%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 51% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €377k
Fixed assets
€25=
Current assets
€377k▲ 9.6%
Equity and liabilities €377k
Equity
€319k▲ 11.9%
Debt
€58k▼ 1.6%
The debt ratio falls from 17.1% to 15.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
84.6%▲
2024 · 82.9%
Current ratio
6.58▲
2024 · 6.01
Quick ratio
6.58▲
2024 · 6.01
Debt / equity
0.18▼
2024 · 0.21
ROE
10.9%▲
2024 · 4.5%
ROA
9.2%▲
2024 · 3.7%
Debt
€58k▼
2024 · €59k
Debt ≤ 1 year
€57k▲
2024 · €57k
Debt > 1 year
€0▼
2024 · €1k
Income taxes
€19k▼
2024 · €28k
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€344k€377k▲
Fixed assets21/28€25€25=
Financial fixed assets28€25€25=
Current assets29/58€344k€377k▲
Amounts receivable within one year40/41€340k€367k▲
Trade receivables40€13k€0▼
Other amounts receivable41€327k€367k▲
Cash at bank and in hand54/58€2k€7k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€344k€377k▲
Equity10/15€285k€319k▲
Contributions10/11€4k€4k=
Outside capital11€4k-
Other1109/19€4k-
Reserves13€229k€262k▲
Distributable reserves133€229k€262k▲
Profit (loss) carried forward14€52k€53k▲
Amounts payable17/49€59k€58k▼
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€57k€57k▲
Current portion of amounts payable after more than one year42€4k€1k▼
Financial debts43€6k€12k▲
Credit institutions430/8€6k€12k▲
Trade debts44€24k€6k▼
Suppliers440/4€24k€6k▼
Advances received on contracts in progress46€15k€0▼
Taxes, remuneration and social security45€8k€36k▲
Taxes450/3€8k€36k▲
Other amounts payable47/48€583€3k▲
Accrued charges and deferred income492/3€300€700▲
Income statement
Code20242025
Non-recurring operating income76A€25k€0▼
Other operating charges640/8€14k€1k▼
Gross operating margin9900€40k€40k▲
Operating profit (loss)9901€26k€39k▲
Financial income75/76B€19k€19k▼
Recurring financial income75€19k€19k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€40k€54k▲
Income taxes67/77€28k€19k▼
Profit (loss) for the period9904€13k€35k▲
Profit (loss) for the period to be appropriated9905€13k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€87k▲
Profit (loss) brought forward from the previous period14P€52k€52k=
Transfer to equity691/2€12k€33k▲
To other reserves6921€12k€33k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €13k ▼83.5%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2020net €77k ▲50.9%
Operating result €84k, net result €77k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.18
Current ratio from 2.50 to 5.18; short-term debt falls from €136k to €66k.
31-12
Financial
Equity above €200kEq €273k ▲39.3%
4 profitable years in a row build equity to €273k.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-12
Financial
Equity above €150kEq €196k ▲34.5%
3 profitable years in a row build equity to €196k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Tielt · 1 establishment unit since 2008
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.
Leopold Sacrezstraat 488760 TieltGround area
541 m²
Building footprint
121 m²
Parcel 37007E1276/00B002, Flanders. Linked by address, not a title deed.
1 establishment unit
DE LUYCK
since 20082.168.225.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37007E1276/00B002 | Flanders | 541 m² | 1 · 121 m² | - |
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.
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ABO Operations
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BAG DISTRIBUTION SERVICE
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Of 4,431 companies in sector 46180 we hold annual accounts for 1,887. 1,286 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2008
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
45112
47529Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.