DE RIDDER
ActiveDE RIDDER has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €21k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+4
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.95 in 2024), and 41.7% 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 · 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 47
Relative position
BE, all sectors
reference
Sector 47
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
58.3%
Return on assets
23.3%
Age of the figures
8 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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
33 d late
2023
6 d late
2022
16 d late
2021
9 d early
2020
4 d early
2019
53 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 2.3%
2024 · €51k
2018: €64k
2019: €60k
2020: €67k
2021: €65k
2022: €70k
2023: €50k
2024: €51k
2018 → 2025
Total assets
€90k▼ 11.4%
2024 · €101k
2018: €90k
2019: €112k
2020: €161k
2021: €126k
2022: €115k
2023: €104k
2024: €101k
2018 → 2025
Net result
€21k▼ 5.5%
2024 · €22k
2018: €4k
2019: €20k
2020: €38k
2021: €20k
2022: €12k
2023: €10k
2024: €22k
2018 → 2025
Working capital
€51k▲ 7.7%
2024 · €48k
2018: €51k
2019: €50k
2020: €54k
2021: €52k
2022: €47k
2023: €43k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€70k▲ 7.7%€50k▼ 28.4%€51k▲ 2.4%€52k▲ 2.3%
Operating result€30k-€20k▼ 34.5%€15k▼ 25.5%€32k▲ 117%€34k▲ 8.5%
Net result€20k-€12k▼ 38.5%€10k▼ 15.7%€22k▲ 117%€21k▼ 5.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€967▼ 71.7%
Current assets
€89k▼ 9.2%
Equity and liabilities €90k
Equity
€52k▲ 2.3%
Debt
€37k▼ 25.3%
The debt ratio falls from 49.5% to 41.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€37k▲
2024 · €35k
Cash flow
€23k▼
2024 · €26k
Solvency
58.3%▲
2024 · 50.5%
Current ratio
2.37▲
2024 · 1.95
Quick ratio
2.37▲
2024 · 1.95
Debt / equity
0.72▼
2024 · 0.98
ROE
40.0%▼
2024 · 43.4%
ROA
23.3%▲
2024 · 21.9%
Interest coverage
17.34▲
2024 · 15.80
Debt
€37k▼
2024 · €50k
Debt ≤ 1 year
€37k▼
2024 · €50k
Income taxes
€11k▲
2024 · €7k
Staff costs
€10k▼
2024 · €17k
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€101k€90k▼
Fixed assets21/28€3k€967▼
Tangible fixed assets22/27€3k€967▼
Furniture and vehicles24€3k€967▼
Other tangible fixed assets26€0€0=
Current assets29/58€98k€89k▼
Amounts receivable within one year40/41€12k€78▼
Trade receivables40€12k€78▼
Cash at bank and in hand54/58€85k€89k▲
Equity and liabilities
Total equity and liabilities10/49€101k€90k▼
Equity10/15€51k€52k▲
Contributions10/11€19k€19k=
Reserves13€7k€23k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€5k€21k▲
Profit (loss) carried forward14€26k€11k▼
Amounts payable17/49€50k€37k▼
Amounts payable within one year42/48€50k€37k▼
Trade debts44€510-
Suppliers440/4€510-
Taxes, remuneration and social security45€19k€16k▼
Taxes450/3€18k€16k▼
Remuneration and social security454/9€1k€331▼
Other amounts payable47/48€30k€21k▼
Income statement
Code20242025
Remuneration, social security and pensions62€17k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€53k€47k▼
Operating profit (loss)9901€32k€34k▲
Financial income75/76B€1€3▲
Recurring financial income75€1€3▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€29k€32k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€22k€21k▼
Profit (loss) for the period to be appropriated9905€22k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€47k▼
Profit (loss) brought forward from the previous period14P€25k€26k▲
Transfer from equity791/2-€5k
Transfer to equity691/2-€21k
To other reserves6921-€21k
Profit to be distributed694/7€21k€20k▼
Return on contributions (dividend)694€21k€20k▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €38k ▲88.6%
Operating result €49k, net result €38k, both a record.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Schilde · 1 establishment unit since 1987
Ground area
845 m²
Building footprint
157 m²
Volume, LiDAR
937 m³
Parcel 11041B0154/00R000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fortsteenweg 11, 2970 Schilde
since 19872.031.736.462
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0154/00R000 | Flanders | 845 m² | 1 · 157 m² | 9.8 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 10,615 companies in sector 47811 we hold annual accounts for 5,192. 3,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-1987
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.