DE WOLF C.
ActiveSummary
The computed 12-month bankruptcy probability of DE WOLF C. is 2.2% (moderate). The 2025 annual accounts show equity of €87,518 and a net result of €18,076. Equity is growing by ~41% per year across the filed fiscal years. Its solvency ranks better than 59% of 7586 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-10
Solvency77▲+18
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.3 in 2024; short-term debt: 37.8% and cash: 54.3% of total assets), and 48% of the assets are financed with debt.
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Signals
Five 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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
52%
Return on assets
10.7%
Age of the figures
9 mo
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
144 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 68 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (3 of the last 3 filed years within 114 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€87,518▲ 26.0%
2024 · €69,442
Total assets
€168,237▼ 18.2%
2024 · €205,769
Net result
€18,076▼ 53.6%
2024 · €38,932
Working capital
€58,416▲ 88.5%
2024 · €30,985
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€41,773-€55,141▲ 32.0%€26,853▼ 51.3%
Net result€29,510above the sector's middle half-€38,932above the sector's middle half▲ 31.9%€18,076within the sector's middle half▼ 53.6%
Equity€30,510within the sector's middle half-€69,442within the sector's middle half▲ 128%€87,518within the sector's middle half▲ 26.0%
Total assets€193,241within the sector's middle half-€205,769within the sector's middle half▲ 6.5%€168,237within the sector's middle half▼ 18.2%
Debt€162,731-€136,327▼ 16.2%€80,719▼ 40.8%
Working capital-€24,216below the sector's middle half-€30,985within the sector's middle half€58,416within the sector's middle half▲ 88.5%
Solvency15.8%below the sector's middle half-33.7%within the sector's middle half▲ 18.0pp52.0%within the sector's middle half▲ 18.3pp
Current ratio0.79below the sector's middle half-1.30within the sector's middle half▲ 0.511.92within the sector's middle half▲ 0.62
Return on assets (ROA)15.3%within the sector's middle half-18.9%within the sector's middle half▲ 3.6pp10.7%within the sector's middle half▼ 8.2pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168,237
Fixed assets
€46,248 ▼ 36.2%
Current assets
€121,988 ▼ 8.5%
Equity and liabilities €168,237
Equity
€87,518 ▲ 26.0%
Debt
€80,719 ▼ 40.8%
Debt's share of the balance-sheet total falls from 66.3% to 48.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59,250▼
2024 · €86,984
Cash flow
€50,473▼
2024 · €70,774
Quick ratio
1.60▲
2024 · 1.04
Debt to equity
0.92▼
2024 · 1.96
ROE
20.7%▼
2024 · 56.1%
Interest coverage
17.26▼
2024 · 21.29
Debt ≤ 1 year
€63,572▼
2024 · €102,316
Debt > 1 year
€17,147▼
2024 · €31,161
Income taxes
€7,103▼
2024 · €14,706
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,231 | €31,843 | €32,398 | ▲ 1.7% |
| Other operating charges640/8 | €528 | €465 | €411 | ▼ 11.8% |
| Gross operating margin9900 | €71,532 | €87,449 | €59,661 | ▼ 31.8% |
| Operating profit (loss)9901 | €41,773 | €55,141 | €26,853 | ▼ 51.3% |
| Financial income75/76B | €4,787 | €2,582 | €1,759 | ▼ 31.9% |
| Recurring financial income75 | €4,787 | €2,582 | €1,759 | ▼ 31.9% |
| Financial charges65/66B | €3,567 | €4,085 | €3,434 | ▼ 16.0% |
| Recurring financial charges65 | €3,567 | €4,085 | €3,434 | ▼ 16.0% |
| Profit (loss) for the period before taxes9903 | €42,993 | €53,638 | €25,179 | ▼ 53.1% |
| Income taxes67/77 | €13,483 | €14,706 | €7,103 | ▼ 51.7% |
| Profit (loss) for the period9904 | €29,510 | €38,932 | €18,076 | ▼ 53.6% |
| Profit (loss) for the period to be appropriated9905 | €29,510 | €38,932 | €18,076 | ▼ 53.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €193,241 | €205,769 | €168,237 | ▼ 18.2% |
| Fixed assets21/28 | €100,498 | €72,468 | €46,248 | ▼ 36.2% |
| Tangible fixed assets22/27 | €100,498 | €72,468 | €46,248 | ▼ 36.2% |
| Plant, machinery and equipment23 | €84,714 | €63,898 | €44,554 | ▼ 30.3% |
| Furniture and vehicles24 | €15,784 | €8,570 | €1,694 | ▼ 80.2% |
| Current assets29/58 | €92,743 | €133,301 | €121,988 | ▼ 8.5% |
| Stocks and contracts in progress3 | €21,292 | €26,673 | €20,455 | ▼ 23.3% |
| Stocks30/36 | €21,292 | €26,673 | €20,455 | ▼ 23.3% |
| Amounts receivable within one year40/41 | €21,579 | €38,855 | €10,264 | ▼ 73.6% |
| Trade receivables40 | €17,693 | €35,483 | €6,405 | ▼ 81.9% |
| Other amounts receivable41 | €3,886 | €3,372 | €3,859 | ▲ 14.4% |
| Cash at bank and in hand54/58 | €49,872 | €67,623 | €91,269 | ▲ 35.0% |
| Deferred charges and accrued income490/1 | - | €150 | €0 | ▼ 100% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €193,241 | €205,769 | €168,237 | ▼ 18.2% |
| Equity10/15 | €30,510 | €69,442 | €87,518 | ▲ 26.0% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €29,500 | €68,400 | €86,400 | ▲ 26.3% |
| Distributable reserves133 | €29,500 | €68,400 | €86,400 | ▲ 26.3% |
| Profit (loss) carried forward14 | €10 | €42 | €118 | ▲ 181% |
| Amounts payable17/49 | €162,731 | €136,327 | €80,719 | ▼ 40.8% |
| Amounts payable after more than one year17 | €44,572 | €31,161 | €17,147 | ▼ 45.0% |
| Financial debts170/4 | €44,572 | €31,161 | €17,147 | ▼ 45.0% |
| Amounts payable within one year42/48 | €116,958 | €102,316 | €63,572 | ▼ 37.9% |
| Current portion of amounts payable after more than one year42 | €12,835 | €13,411 | €14,014 | ▲ 4.5% |
| Trade debts44 | €10,850 | €15,450 | €10,430 | ▼ 32.5% |
| Suppliers440/4 | €10,850 | €15,450 | €10,430 | ▼ 32.5% |
| Taxes, remuneration and social security45 | €13,544 | €14,718 | €7,123 | ▼ 51.6% |
| Taxes450/3 | €13,544 | €14,718 | €7,123 | ▼ 51.6% |
| Other amounts payable47/48 | €79,730 | €58,736 | €32,005 | ▼ 45.5% |
| Accrued charges and deferred income492/3 | €1,200 | €2,850 | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,510 | €38,932 | €18,076 | ▼ 53.6% |
| + Depreciation and write-downs630 | €29,231 | €31,843 | €32,398 | ▲ 1.7% |
| Operating cash flow (approximation) | €58,741 | €70,774 | €50,473 | ▼ 28.7% |
| Investment in fixed assets (approximation) | - | -€3,812 | -€6,178 | ▼ 62.1% |
| Change in cash | - | €17,751 | €23,646 | ▲ 33.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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
Weakest financial yearnet €18,076 ▼53.6%
Net result drops to €18,076, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €38,932 ▲31.9%
Operating result €55,141, net result €38,932, both a record.
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 144 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Profondeville · 1 establishment unit since 2023
Ground area
1,782 m²
Building footprint
167 m²
Volume, LiDAR
1,149 m³
Parcel 92071D0565/00X000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE WOLF C.
since 20232.339.226.462
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92071D0565/00X000 | Wallonia | 1,782 m² | 1 · 167 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. 13,173 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43230Insulation installation
43410Roofing work
71121Engineering and related technical consultancy, excluding land surveyors
Contact
E-mail
dewolfc.toiture@gmail.com
Phone
+32496993326
E-invoicing
Reachable via Peppol
Peppol ID
0208:0794613706
Also
9925:BE0794613706
Registered
05-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.