DE SAEDELEER
ActiveDE SAEDELEER has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €345k and a net result of €37k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 67% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+8
Solvency84▼-5
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 2.82 in 2024; short-term debt: 18.1% and cash: 17.1% of total assets), and 41.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
58.9%
Return on assets
6.3%
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 €345k
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
6 d late
2023
57 d early
2022
10 d late
2021
26 d late
2020
27 d late
2019
28 d early
← 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, abbreviated schema
Equity
€345k▲ 11.9%
2024 · €309k
2018: €314k
2019: €323k
2020: €311k
2021: €326k
2022: €306k
2023: €307k
2024: €309k
2018 → 2025
Total assets
€587k▲ 22.0%
2024 · €481k
2018: €580k
2019: €517k
2020: €648k
2021: €623k
2022: €484k
2023: €544k
2024: €481k
2018 → 2025
Net result
€37k▲ 1,519%
2024 · €2k
2018: €5k
2019: €11k
2020: €-10k
2021: €17k
2022: €-18k
2023: €4k
2024: €2k
2018 → 2025
Working capital
€183k▼ 16.3%
2024 · €218k
2018: €127k
2019: €147k
2020: €110k
2021: €134k
2022: €129k
2023: €145k
2024: €218k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€326k-€306k▼ 6.1%€307k▲ 0.5%€309k▲ 0.4%€345k▲ 11.9%
Operating result€18k-€-18k€3k€4k▲ 46.6%€52k▲ 1,138%
Net result€17k-€-18k€4k€2k▼ 37.4%€37k▲ 1,519%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1,138% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €587k
Fixed assets
€298k▲ 109%
Current assets
€289k▼ 14.7%
Equity and liabilities €587k
Equity
€345k▲ 11.9%
Debt
€241k▲ 39.9%
The debt ratio rises from 35.8% to 41.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€93k▲
2024 · €39k
Cash flow
€78k▲
2024 · €37k
Solvency
58.9%▼
2024 · 64.2%
Current ratio
2.72▼
2024 · 2.82
Quick ratio
1.50▲
2024 · 1.40
Debt / equity
0.70▲
2024 · 0.56
ROE
10.6%▲
2024 · 0.7%
ROA
6.3%▲
2024 · 0.5%
Interest coverage
24.77▲
2024 · 16.52
Debt
€241k▲
2024 · €172k
Debt ≤ 1 year
€106k▼
2024 · €120k
Debt > 1 year
€135k▲
2024 · €2k
Income taxes
€11k▲
2024 · €706
Staff costs
€135k▼
2024 · €153k
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€481k€587k▲
Fixed assets21/28€142k€298k▲
Tangible fixed assets22/27€142k€298k▲
Land and buildings22€91k€82k▼
Plant, machinery and equipment23€14k€8k▼
Furniture and vehicles24€18k€22k▲
Other tangible fixed assets26€19k€186k▲
Financial fixed assets28€174€174=
Current assets29/58€339k€289k▼
Stocks and contracts in progress3€170k€130k▼
Stocks30/36€130k€130k=
Contracts in progress37€40k-
Amounts receivable within one year40/41€50k€53k▲
Trade receivables40€21k€45k▲
Other amounts receivable41€29k€8k▼
Cash at bank and in hand54/58€113k€100k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€481k€587k▲
Equity10/15€309k€345k▲
Contributions10/11€79k€79k=
Reserves13€223k€260k▲
Distributable reserves133€223k€260k▲
Profit (loss) carried forward14€6k€6k▼
Amounts payable17/49€172k€241k▲
Amounts payable after more than one year17€2k€135k▲
Financial debts170/4€2k€135k▲
Amounts payable within one year42/48€120k€106k▼
Current portion of amounts payable after more than one year42€17k€15k▼
Trade debts44€31k€25k▼
Suppliers440/4€31k€25k▼
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€60k€51k▼
Accrued charges and deferred income492/3€50k-
Income statement
Code20242025
Non-recurring operating income76A€19k€500▼
Remuneration, social security and pensions62€153k€135k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€41k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€200k€236k▲
Operating profit (loss)9901€4k€52k▲
Financial income75/76B€1k€144▼
Recurring financial income75€1k€144▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€3k€48k▲
Income taxes67/77€706€11k▲
Profit (loss) for the period9904€2k€37k▲
Profit (loss) for the period to be appropriated9905€2k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€43k▲
Profit (loss) brought forward from the previous period14P€4k€6k▲
Transfer to equity691/2-€37k
To other reserves6921-€37k
Social balance
Average headcount (FTE)90872.22.2=
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €37k ▲1519%
Operating result €52k, net result €37k, both a record.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
31-12
Financial
Weakest financial yearnet €-18k ▼205%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 10 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Erpe-Mere · 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.
Joseph Cardijnstraat 289420 Erpe-MereGround area
3,165 m²
Building footprint
1,180 m²
Volume, LiDAR
6,305 m³
Parcel 41016D0729/00G000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE SAEDELEER BVBA
since 19942.067.813.435
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016D0729/00G000 | Flanders | 3,165 m² | 1 · 1,180 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.
Similar companies · same sector, comparable size
JVC MACHINING
BE 0885.090.950
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BRAM
BE 0460.624.591
Temse · Eq €345k
Jofa
BE 0536.479.680
Roeselare · Eq €345k
DADDA METALS
BE 0647.732.148
Maasmechelen · Eq €345k
LANIN WILLEM
BE 0479.982.427
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Of 20,031 companies in sector 43320 we hold annual accounts for 9,133. 6,662 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-1994
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
45422
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.