DE SUTTER BOUW & TECHNIEK
ActiveSummary
DE SUTTER BOUW & TECHNIEK has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-23k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-85
Solvency52▲+2
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.23 against 1.24 in 2024; short-term debt: 73.2% and cash: 3% of total assets), and 73.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.8%
Return on assets
-17.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-10-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
38 d early
2023
12 d early
2022
4 d early
2021
10 d late
2020
30 d late
2019
18 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€34k▼ 39.6%
2024 · €57k
2019: €40k
2020: €23k
2021: €25k
2022: €16k
2023: €27k
2024: €57k
2019 → 2025
Total assets
€128k▼ 43.6%
2024 · €228k
2019: €124k
2020: €142k
2021: €135k
2022: €133k
2023: €208k
2024: €228k
2019 → 2025
Net result
€-23k
2024 · €30k
2019: €16k
2020: €-16k
2021: €2k
2022: €-9k
2023: €11k
2024: €30k
2019 → 2025
Working capital
€22k▼ 45.7%
2024 · €40k
2019: €22k
2020: €-4k
2021: €654
2022: €-11k
2023: €7k
2024: €40k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€16k▼ 37.1%€27k▲ 68.2%€57k▲ 111%€34k▼ 39.6%
Operating result€8k-€-6k€22k€48k▲ 117%€-17k
Net result€2k-€-9k€11k€30k▲ 174%€-23k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €48k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€13k ▼ 30.3%
Current assets
€116k ▼ 44.8%
Equity and liabilities €128k
Equity
€34k ▼ 39.6%
Debt
€94k ▼ 44.9%
Debt's share of the balance-sheet total falls from 75.0% to 73.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▼
2024 · €55k
Cash flow
€-15k▼
2024 · €37k
Current ratio
1.23▼
2024 · 1.24
Quick ratio
1.18▲
2024 · 1.12
Debt to equity
2.74▼
2024 · 3.00
ROE
-65.6%▼
2024 · 52.7%
ROA
-17.6%▼
2024 · 13.2%
Interest coverage
-1.90▼
2024 · 10.04
Debt ≤ 1 year
€94k▼
2024 · €170k
Debt > 1 year
€0▼
2024 · €1k
Income taxes
€415▼
2024 · €13k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€228k€128k▼
Fixed assets21/28€18k€13k▼
Intangible fixed assets21€427€0▼
Tangible fixed assets22/27€18k€13k▼
Plant, machinery and equipment23€15k€10k▼
Furniture and vehicles24€538€327▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€210k€116k▼
Stocks and contracts in progress3€20k€4k▼
Stocks30/36€20k€4k▼
Amounts receivable within one year40/41€147k€104k▼
Trade receivables40€138k€83k▼
Other amounts receivable41€10k€21k▲
Cash at bank and in hand54/58€37k€4k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€228k€128k▼
Equity10/15€57k€34k▼
Contributions10/11€6k€6k=
Reserves13€51k€41k▼
Distributable reserves133€51k€41k▼
Profit (loss) carried forward14€0€-13k▼
Amounts payable17/49€171k€94k▼
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€170k€94k▼
Current portion of amounts payable after more than one year42€3k€1k▼
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€93k€17k▼
Suppliers440/4€93k€17k▼
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€9k€10k▲
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48€60k€61k▲
Accrued charges and deferred income492/3€15€0▼
Income statement
Code20242025
Non-recurring operating income76A€34k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€396▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€620€0▼
Gross operating margin9900€62k€-9k▼
Operating profit (loss)9901€48k€-17k▼
Financial income75/76B€672€583▼
Recurring financial income75€672€583▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€43k€-22k▼
Income taxes67/77€13k€415▼
Profit (loss) for the period9904€30k€-23k▼
Profit (loss) for the period to be appropriated9905€30k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€-23k▼
Profit (loss) brought forward from the previous period14P€-13k€0▲
Transfer from equity791/2-€9k
Transfer to equity691/2€17k€0▼
To other reserves6921€17k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 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
2025
17-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-23k ▼175%
Net result drops to €-23k, the lowest in the series.
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €30k ▲174%
Operating result €48k, net result €30k, both a record.
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 124 days late
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
12-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalter · 1 establishment unit since 1998
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.
Brouwerijstraat 729880 AalterGround area
907 m²
Building footprint
151 m²
Volume, LiDAR
707 m³
Parcel 44503H0736/00B000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Sutter Bouw & Techniek
since 19982.085.503.760
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44503H0736/00B000 | Flanders | 907 m² | 1 · 151 m² | 8.1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 72 EUR awarded · 72 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 72 EUR | 72 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 6,972 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
Founded19-12-1997
Fiscal year end31-03
Activities, NACEBEL 2025
43320Joinery installation
41001General construction of residential buildings
41003General construction of other non-residential buildings
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43331Floor and wall tiling
46711Wholesale of cars and light vans (up to 3.5 tonnes)
46349Wholesale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495 509 939