DE VERFKEIZER
ActiveDE VERFKEIZER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €293k and a net result of €148k. Equity is growing by ~36.6% per year across the filed fiscal years. Its solvency ranks better than 31% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
86
/ 100
Excellent▲ +5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency50▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.09 in 2023), and 70.7% 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
54 d late
2023
68 d late
2022
37 d late
2021
31 d late
2020
34 d late
2019
42 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€293k▲ 102%
2023 · €145k
2018: €1,000
2019: €32k
2020: €45k
2021: €83k
2022: €92k
2023: €145k
2018 → 2024
Total assets
€999k▲ 99.8%
2023 · €500k
2018: €200k
2019: €213k
2020: €227k
2021: €240k
2022: €404k
2023: €500k
2018 → 2024
Net result
€148k▲ 178%
2023 · €53k
2018: €266
2019: €31k
2020: €14k
2021: €38k
2022: €8k
2023: €53k
2018 → 2024
Working capital
€135k▲ 333%
2023 · €31k
2018: €2k
2019: €-4k
2020: €-13k
2021: €18k
2022: €-8k
2023: €31k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€45k-€83k▲ 84.8%€92k▲ 9.8%€145k▲ 58.2%€293k▲ 102%
Operating result€24k-€63k▲ 166%€34k▼ 46.0%€93k▲ 176%€238k▲ 155%
Net result€14k-€38k▲ 182%€8k▼ 78.7%€53k▲ 553%€148k▲ 178%
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 155% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €999k
Fixed assets
€178k▲ 36.5%
Current assets
€821k▲ 122%
Equity and liabilities €999k
Equity
€293k▲ 102%
Debt
€707k▲ 98.9%
The debt ratio falls from 71.0% to 70.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€269k▲
2023 · €124k
Cash flow
€179k▲
2023 · €84k
Solvency
29.3%▲
2023 · 29.0%
Current ratio
1.20▲
2023 · 1.09
Quick ratio
1.11▲
2023 · 0.82
Debt / equity
2.41▼
2023 · 2.45
ROE
50.5%▲
2023 · 36.8%
ROA
14.8%▲
2023 · 10.6%
Interest coverage
27.22▲
2023 · 12.05
Debt
€707k▲
2023 · €355k
Debt ≤ 1 year
€687k▲
2023 · €339k
Debt > 1 year
€20k▲
2023 · €17k
Income taxes
€80k▲
2023 · €30k
Staff costs
€436k▲
2023 · €319k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€500k€999k▲
Fixed assets21/28€131k€178k▲
Tangible fixed assets22/27€128k€176k▲
Land and buildings22€50k€47k▼
Plant, machinery and equipment23€48k€27k▼
Furniture and vehicles24€26k€98k▲
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€3k€3k=
Current assets29/58€370k€821k▲
Stocks and contracts in progress3€92k€56k▼
Stocks30/36€92k€56k▼
Amounts receivable within one year40/41€214k€453k▲
Trade receivables40€204k€366k▲
Other amounts receivable41€10k€88k▲
Current investments50/53-€240k
Cash at bank and in hand54/58€62k€66k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€500k€999k▲
Equity10/15€145k€293k▲
Contributions10/11€19k€19k=
Reserves13€126k€271k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€116k€261k▲
Profit (loss) carried forward14-€3k
Amounts payable17/49€355k€707k▲
Amounts payable after more than one year17€17k€20k▲
Financial debts170/4€17k€20k▲
Amounts payable within one year42/48€339k€687k▲
Current portion of amounts payable after more than one year42€18k€23k▲
Financial debts43€34k€35k▲
Credit institutions430/8€34k€35k▲
Trade debts44€230k€586k▲
Suppliers440/4€230k€586k▲
Taxes, remuneration and social security45€50k€37k▼
Taxes450/3€23k€24k▲
Remuneration and social security454/9€27k€13k▼
Other amounts payable47/48€7k€5k▼
Income statement
Code20232024
Remuneration, social security and pensions62€319k€436k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€449k€710k▲
Operating profit (loss)9901€93k€238k▲
Financial income75/76B€95€178▲
Recurring financial income75€95€178▲
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€83k€228k▲
Income taxes67/77€30k€80k▲
Profit (loss) for the period9904€53k€148k▲
Profit (loss) for the period to be appropriated9905€53k€148k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€151k▲
Profit (loss) brought forward from the previous period14P-€3k
Transfer to equity691/2€53k€148k▲
To other reserves6921€53k€148k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Highest result since 2018net €148k ▲178%
Operating result €238k, net result €148k, both a record.
31-12
Financial
Equity above €200kEq €293k ▲102%
7 profitable years in a row build equity to €293k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Equity above €100kEq €145k ▲58.2%
6 profitable years in a row build equity to €145k.
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 34 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
19-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Dilsen-Stokkem · 1 establishment unit since 1999
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.
Arnold-Sauwenlaan 563650 Dilsen-StokkemGround area
318 m²
Building footprint
225 m²
Volume, LiDAR
1,446 m³
Parcel 73081A0110/00Z003, Flanders · tallest building 13.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DE VERFKEIZER
since 19992.091.284.960
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73081A0110/00Z003 | Flanders | 318 m² | 1 · 225 m² | 13.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,250 EUR awarded · 3,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 750 EUR | 750 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Recognised contractor
6 categoriesDE VERFKEIZER BV#10312
DE VERFKEIZER BV45826
Dual-learning approval
3 live approvals · 9 endedDecoratie en schilderwerken duaal (so)
Medewerker schilder- en behangwerken duaal (so)
Schilder-decorateur (vwo)
Legal Entity Identifier
9845007BF93D93H90766
Similar companies · same sector, comparable size
HEYMAN SCHILDERWERKEN
BE 0729.834.532
Antwerpen · Eq €293k
RUTTEN
BE 0420.141.147
Schaarbeek · Eq €292k
AMBER
BE 0464.279.018
Haacht · Eq €291k
Mélon Peinture et Décoration
BE 0871.155.020
Nivelles · Eq €291k
DE NAUW
BE 0478.099.340
Ninove · Eq €291k
Of 7,816 companies in sector 43341 we hold annual accounts for 2,640. 1,823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-1998
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
45441
43333Wallpapering and laying of floor and wall coverings in other materials
45432
47526Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.