DE STAERCKE KRISTOF
ActiveSummary
The computed 12-month bankruptcy probability of DE STAERCKE KRISTOF is 2.3% (moderate). The 2024 annual accounts show equity of €52k and a net result of €14k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 36375 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▲+15
Solvency100▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 7.7 against 2.91 in 2023; short-term debt: 11.7% and cash: 86.7% of total assets), and 14.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
27 d late
2022
28 d late
2021
12 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€52k▲ 35.3%
2023 · €38k
2021: €28k
2022: €33k
2023: €38k
2021 → 2024
Total assets
€61k▲ 9.8%
2023 · €55k
2021: €47k
2022: €65k
2023: €55k
2021 → 2024
Net result
€14k▲ 134%
2023 · €6k
2021: €23k
2022: €6k
2023: €6k
2021 → 2024
Working capital
€48k▲ 63.8%
2023 · €29k
2021: €20k
2022: €21k
2023: €29k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€28k-€33k▲ 19.9%€38k▲ 16.2%€52k▲ 35.3%
Operating result€34k-€11k▼ 66.8%€12k▲ 0.8%€22k▲ 91.3%
Net result€23k-€6k▼ 73.0%€6k▼ 2.4%€14k▲ 134%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 91% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €61k
Fixed assets
€6k ▼ 46.4%
Current assets
€55k ▲ 23.4%
Equity and liabilities €61k
Equity
€52k ▲ 35.3%
Debt
€9k ▼ 48.4%
Debt's share of the balance-sheet total falls from 30.5% to 14.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▲
2023 · €15k
Cash flow
€16k▲
2023 · €10k
Current ratio
7.70▲
2023 · 2.91
Quick ratio
7.66▲
2023 · 2.83
Debt to equity
0.17▼
2023 · 0.44
ROE
27.7%▲
2023 · 16.0%
ROA
23.7%▲
2023 · 11.1%
Interest coverage
14.89▲
2023 · 7.08
Debt ≤ 1 year
€7k▼
2023 · €15k
Income taxes
€6k▲
2023 · €3k
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 · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€55k€61k▲
Fixed assets21/28€11k€6k▼
Tangible fixed assets22/27€11k€6k▼
Land and buildings22€672€570▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€4k€241▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€44k€55k▲
Stocks and contracts in progress3€1k€250▼
Stocks30/36€1k€250▼
Amounts receivable within one year40/41€21k€2k▼
Trade receivables40€18k-
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€21k€53k▲
Deferred charges and accrued income490/1€2k€274▼
Equity and liabilities
Total equity and liabilities10/49€55k€61k▲
Equity10/15€38k€52k▲
Contributions10/11€5k€5k=
Reserves13€33k€47k▲
Distributable reserves133€33k€47k▲
Amounts payable17/49€17k€9k▼
Amounts payable within one year42/48€15k€7k▼
Trade debts44€10k€3k▼
Suppliers440/4€10k€3k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20232024
Non-recurring operating income76A-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€17k€26k▲
Operating profit (loss)9901€12k€22k▲
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€9k€20k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€6k€14k▲
Profit (loss) for the period to be appropriated9905€6k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€14k▲
Transfer to equity691/2€5k€14k▲
To other reserves6921€5k€14k▲
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
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
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 7.70
Current ratio from 2.91 to 7.70; short-term debt falls from €15k to €7k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €6k ▼2.4%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kruisem · 1 establishment unit since 2020
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.
Spilthoorestraat(KRU) 619770 KruisemGround area
497 m²
Building footprint
114 m²
Volume, LiDAR
454 m³
Parcel 45017B0586/00B002, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Staercke Kristof
since 20202.305.391.773
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017B0586/00B002 | Flanders | 497 m² | 1 · 114 m² | 8.1 m · 1 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
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Kevin De Backer
BE 0787.845.678
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MENUISERIE LE BOIS D'OLIVIER
BE 0643.917.672
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SCHRIJNWERKERIJ F. DESIMPEL
BE 0677.841.938
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,428 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
Founded28-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43990Other specialised construction activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.