DE VELDERS
ActiveSummary
The computed 12-month bankruptcy probability of DE VELDERS is 1.6% (moderate). The 2025 annual accounts show equity of €80k and a net result of €76k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 7452 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+63
Solvency61▲+32
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 0.85 in 2024; short-term debt: 64.4% and cash: 93.2% of total assets), and 64.4% 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 · 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 41
Relative position
BE, all sectors
reference
Sector 41
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
35.6%
Return on assets
33.7%
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
2122232425
2021 to 2025 · latest year €80k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
92 d late
2023
31 d late
2022
4 d early
2021
2 d early
2020
1 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 1,746%
2024 · €4k
2021: €12k
2022: €5k
2023: €5k
2024: €4k
2021 → 2025
Total assets
€224k▲ 92.1%
2024 · €117k
2021: €65k
2022: €107k
2023: €205k
2024: €117k
2021 → 2025
Net result
€76k
2024 · €-253
2021: €-5k
2022: €-6k
2023: €-551
2024: €-253
2021 → 2025
Working capital
€65k
2024 · €-17k
2021: €-10k
2022: €-16k
2023: €-17k
2024: €-17k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€5k▼ 55.8%€5k▼ 10.7%€4k▼ 5.5%€80k▲ 1,746%
Operating result€-5k-€-6k▼ 30.4%€-551▲ 91.5%€-118▲ 78.6%€107k
Net result€-5k-€-6k▼ 30.3%€-551▲ 91.5%€-253▲ 54.1%€76k
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 returns to profit in 2025: €107k after a loss of €118 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€15k▼ 30.4%
Current assets
€209k▲ 120%
Equity and liabilities €224k
Equity
€80k▲ 1,746%
Debt
€144k▲ 28.4%
The debt ratio falls from 96.3% to 64.4%. Equity and debt are higher.
Key figures and ratios
Solvency
35.6%▲
2024 · 3.7%
Current ratio
1.45▲
2024 · 0.85
Quick ratio
1.45▲
2024 · 0.85
Debt / equity
1.81▼
2024 · 25.95
ROE
94.6%▲
2024 · -5.9%
ROA
33.7%▲
2024 · -0.2%
Debt
€144k▲
2024 · €112k
Debt ≤ 1 year
€144k▲
2024 · €112k
Income taxes
€32k
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€117k€224k▲
Fixed assets21/28€21k€15k▼
Tangible fixed assets22/27€21k€15k▼
Land and buildings22€21k€15k▼
Current assets29/58€95k€209k▲
Amounts receivable within one year40/41-€405
Other amounts receivable41-€405
Cash at bank and in hand54/58€95k€209k▲
Equity and liabilities
Total equity and liabilities10/49€117k€224k▲
Equity10/15€4k€80k▲
Contributions10/11€13k€13k=
Reserves13€3k€67k▲
Distributable reserves133€3k€67k▲
Profit (loss) carried forward14€-12k-
Amounts payable17/49€112k€144k▲
Amounts payable within one year42/48€112k€144k▲
Trade debts44-€164
Suppliers440/4-€164
Taxes, remuneration and social security45-€32k
Taxes450/3-€32k
Other amounts payable47/48€112k€112k=
Income statement
Code20242025
Non-recurring operating income76A-€110k
Other operating charges640/8€118€532▲
Gross operating margin9900-€108k
Operating profit (loss)9901€-118€107k▲
Financial charges65/66B€135€60▼
Recurring financial charges65€135€60▼
Profit (loss) for the period before taxes9903€-253€107k▲
Income taxes67/77-€32k
Profit (loss) for the period9904€-253€76k▲
Profit (loss) for the period to be appropriated9905€-253€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€64k▲
Profit (loss) brought forward from the previous period14P€-12k€-12k▼
Transfer to equity691/2-€64k
To other reserves6921-€64k
The notes to these accounts (3 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
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €76k
Net result €76k after 4 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
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, Hoogstraten · 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.
Heimeulenstraat 132328 HoogstratenGround area
4,198 m²
Building footprint
488 m²
Volume, LiDAR
3,129 m³
2 parcels, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE VELDERS
since 20192.294.986.049
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13051A0193/00F000 | Flanders | 2,488 m² | 1 · 305 m² | 11.4 m · 2 fl. |
| 13022E0247/00Y003 | Flanders | 1,710 m² | 1 · 183 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
TECHWALL
BE 0773.963.394
Courcelles · Eq €80k
SV BOUW
BE 0777.637.122
Geel · Eq €80k
NIAH BVBA
BE 0711.949.712
Hulshout · Eq €80k
ENTREPRISES GEORGES WERY & FILS
BE 0859.816.512
Andenne · Eq €80k
VLOEREN COLPAERT
BE 0718.998.939
Roeselare · Eq €80k
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.