DE NEEF ET CO.
ActiveDE NEEF ET CO. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €181k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 18% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.08 in 2024; short-term debt: 92.3% and cash: 35% of total assets), and 92.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
7.7%
Return on assets
70.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7740 sector peers (2025).
NBB · sector comparisonPosition among 7740 sector peers
Solvency
better than 18%
← weakest
strongest →
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
12 d late
2023
27 d late
2022
29 d late
2021
24 d late
2020
12 d late
2019
81 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 2.5%
2024 · €20k
2018: €23k
2019: €20k
2020: €20k
2021: €20k
2022: €21k
2023: €20k
2024: €20k
2018 → 2025
Total assets
€258k▼ 2.2%
2024 · €264k
2018: €111k
2019: €104k
2020: €109k
2021: €115k
2022: €135k
2023: €191k
2024: €264k
2018 → 2025
Net result
€181k▲ 3.9%
2024 · €175k
2018: €15k
2019: €29k
2020: €43k
2021: €56k
2022: €78k
2023: €104k
2024: €175k
2018 → 2025
Working capital
€18k▼ 9.7%
2024 · €20k
2018: €23k
2019: €30k
2020: €30k
2021: €30k
2022: €31k
2023: €20k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€21k▲ 2.5%€20k▼ 1.8%€20k▲ 0.8%€20k▼ 2.5%
Operating result€76k-€105k▲ 37.7%€142k▲ 35.4%€233k▲ 64.3%€243k▲ 4.4%
Net result€56k-€78k▲ 38.7%€104k▲ 32.9%€175k▲ 68.5%€181k▲ 3.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €258k
Fixed assets
€2k▲ 189%
Current assets
€256k▼ 2.8%
Equity and liabilities €258k
Equity
€20k▼ 2.5%
Debt
€238k▼ 2.2%
The debt ratio stays at 92.3%.
Key figures and ratios
EBITDA
€243k▲
2024 · €233k
Cash flow
€182k▲
2024 · €175k
Solvency
7.7%▼
2024 · 7.7%
Current ratio
1.07▼
2024 · 1.08
Quick ratio
1.07▼
2024 · 1.08
Debt / equity
12.02▲
2024 · 11.98
ROE
915.5%▲
2024 · 859.1%
ROA
70.3%▲
2024 · 66.2%
Interest coverage
297.13▼
2024 · 800.22
Debt
€238k▼
2024 · €244k
Debt ≤ 1 year
€238k▼
2024 · €244k
Income taxes
€62k▲
2024 · €59k
Staff costs
€77k▼
2024 · €80k
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€264k€258k▼
Fixed assets21/28€740€2k▲
Tangible fixed assets22/27€740€2k▲
Furniture and vehicles24€740€2k▲
Current assets29/58€263k€256k▼
Amounts receivable within one year40/41€368€166k▲
Trade receivables40€125€166k▲
Other amounts receivable41€243-
Cash at bank and in hand54/58€263k€90k▼
Equity and liabilities
Total equity and liabilities10/49€264k€258k▼
Equity10/15€20k€20k▼
Contributions10/11€16k€16k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€838€333▼
Amounts payable17/49€244k€238k▼
Amounts payable within one year42/48€244k€238k▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€199▼
Bills of exchange payable441-€2k
Taxes, remuneration and social security45€61k€54k▼
Taxes450/3€52k€44k▼
Remuneration and social security454/9€10k€10k▲
Other amounts payable47/48€174k€182k▲
Income statement
Code20242025
Remuneration, social security and pensions62€80k€77k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€240€475▲
Other operating charges640/8€387€400▲
Gross operating margin9900€313k€320k▲
Operating profit (loss)9901€233k€243k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€291€819▲
Recurring financial charges65€291€819▲
Profit (loss) for the period before taxes9903€233k€243k▲
Income taxes67/77€59k€62k▲
Profit (loss) for the period9904€175k€181k▲
Profit (loss) for the period to be appropriated9905€175k€181k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€182k▲
Profit (loss) brought forward from the previous period14P€684€838▲
Profit to be distributed694/7€175k€182k▲
Return on contributions (dividend)694€175k€182k▲
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €181k ▲3.9%
Operating result €243k, net result €181k, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Beloeil · 1 establishment unit since 1994
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.
Première rue Basse (Bel) 527970 BeloeilGround area
1,908 m²
Building footprint
203 m²
Volume, LiDAR
1,054 m³
Parcel 51008B0423/00H000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Première rue Basse (Bel) 52, 7970 Beloeil
since 19942.102.747.984
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51008B0423/00H000 | Wallonia | 1,908 m² | 1 · 203 m² | 7.1 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.
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-1989
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.