DE NEEF & PARTNERS
ActiveSummary
DE NEEF & PARTNERS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €464k and a net result of €186k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 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
Profitability92▼-4
Solvency72▲+25
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.56 against 0.41 in 2024; short-term debt: 53% and cash: 0.9% of total assets), and 53% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
47%
Return on assets
18.8%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
21 d early
2024
16 d early
2023
34 d late
2022
6 d early
2021
1 d early
2020
43 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€464k▲ 66.7%
2024 · €278k
2020: €325k
2021: €389k
2022: €397k
2023: €140k
2024: €278k
2020 → 2025
Total assets
€987k▼ 20.2%
2024 · €1.24M
2020: €1.79M
2021: €1.84M
2022: €1.74M
2023: €1.36M
2024: €1.24M
2020 → 2025
Net result
€186k▼ 31.5%
2024 · €271k
2020: €225k
2021: €214k
2022: €258k
2023: €293k
2024: €271k
2020 → 2025
Working capital
€-232k▲ 58.8%
2024 · €-562k
2020: €147k
2021: €100k
2022: €8k
2023: €-818k
2024: €-562k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€389k-€397k▲ 2.1%€140k▼ 64.7%€278k▲ 98.3%€464k▲ 66.7%
Operating result€303k-€354k▲ 16.7%€428k▲ 21.0%€349k▼ 18.5%€276k▼ 20.9%
Net result€214k-€258k▲ 20.4%€293k▲ 13.5%€271k▼ 7.5%€186k▼ 31.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 21% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €987k
Fixed assets
€696k ▼ 17.2%
Current assets
€292k ▼ 26.7%
Equity and liabilities €987k
Equity
€464k ▲ 66.7%
Debt
€523k ▼ 45.5%
Debt's share of the balance-sheet total falls from 77.5% to 53.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€458k▼
2024 · €524k
Cash flow
€367k▼
2024 · €446k
Current ratio
0.56▲
2024 · 0.41
Debt to equity
1.13▼
2024 · 3.45
ROE
40.0%▼
2024 · 97.4%
ROA
18.8%▼
2024 · 21.9%
Interest coverage
19.93▲
2024 · 18.00
Debt ≤ 1 year
€523k▼
2024 · €960k
Income taxes
€68k▲
2024 · €49k
Staff costs
€403k▲
2024 · €356k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.24M€987k▼
Formation expenses20€0-
Fixed assets21/28€840k€696k▼
Intangible fixed assets21€784k€625k▼
Tangible fixed assets22/27€56k€71k▲
Furniture and vehicles24€56k€71k▲
Current assets29/58€398k€292k▼
Stocks and contracts in progress3€22k€0▼
Contracts in progress37€22k€0▼
Amounts receivable within one year40/41€282k€263k▼
Trade receivables40€232k€252k▲
Other amounts receivable41€50k€11k▼
Cash at bank and in hand54/58€70k€9k▼
Deferred charges and accrued income490/1€24k€20k▼
Equity and liabilities
Total equity and liabilities10/49€1.24M€987k▼
Equity10/15€278k€464k▲
Contributions10/11€100k€100k=
Profit (loss) carried forward14€178k€364k▲
Amounts payable17/49€960k€523k▼
Amounts payable within one year42/48€960k€523k▼
Trade debts44€70k€153k▲
Suppliers440/4€70k€153k▲
Taxes, remuneration and social security45€80k€86k▲
Taxes450/3€33k€12k▼
Remuneration and social security454/9€47k€74k▲
Other amounts payable47/48€810k€285k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€356k€403k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€175k€182k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€-355▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€887k€863k▼
Operating profit (loss)9901€349k€276k▼
Financial income75/76B€54€252▲
Recurring financial income75€54€252▲
Financial charges65/66B€29k€23k▼
Recurring financial charges65€29k€23k▼
Profit (loss) for the period before taxes9903€320k€254k▼
Income taxes67/77€49k€68k▲
Profit (loss) for the period9904€271k€186k▼
Profit (loss) for the period to be appropriated9905€271k€186k▼
Appropriation of the result
Profit (loss) to be appropriated9906€311k€364k▲
Profit (loss) brought forward from the previous period14P€40k€178k▲
Profit to be distributed694/7€133k€0▼
Return on contributions (dividend)694€0-
Directors or managers695€133k€0▼
Social balance
Average headcount (FTE)90875.05.2▲
The notes to these accounts (12 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
State Gazette act
Incorporation · Founding capital
Corporate purpose · Director appointment
31-08
State Gazette act
Incorporation · Founding capital
Corporate purpose · Founder
06-08
State Gazette act
Name change · Purpose change
Director appointment · Mandate compensation · Rafaël Van der Veken
14-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €186k ▼31.5%
Net result drops to €186k, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €278k ▲98.3%
5 profitable years in a row build equity to €278k.
03-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 34 days late
2023
31-12
Financial
Highest result since 2020net €293k ▲13.5%
Operating result €428k, net result €293k, both a record.
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Sint-Niklaas · 1 establishment unit since 2019
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.
August De Boeckstraat 19100 Sint-NiklaasGround area
1,904 m²
Building footprint
663 m²
Volume, LiDAR
7,410 m³
Parcel 46445D1194/00P002, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DE NEEF & PARTNERS
since 20192.292.538.283
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D1194/00P002 | Flanders | 1,904 m² | 1 · 663 m² | 15.6 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 3,623 EUR awarded · 3,853 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 3,142 EUR | 3,407 EUR |
| 2022 | 1 | 481 EUR | 446 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,590 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.