DE WONINGGALERIJ
ActiveDE WONINGGALERIJ has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €32k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 35% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-10
Solvency38▼-27
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.65 in 2024; short-term debt: 87.4% and cash: 49.7% of total assets), and 87.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
12.6%
Return on assets
7.4%
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 26-08-2026, 26 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
26 d late
2024
71 d late
2023
153 d late
2022
143 d late
2021
92 d late
2020
121 d late
2019
122 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 75.2%
2024 · €217k
2018: €182k
2019: €110k
2020: €278k
2021: €371k
2022: €146k
2023: €134k
2024: €217k
2018 → 2025
Total assets
€427k▼ 20.5%
2024 · €537k
2018: €1.99M
2019: €914k
2020: €686k
2021: €761k
2022: €875k
2023: €521k
2024: €537k
2018 → 2025
Net result
€32k▼ 61.9%
2024 · €83k
2018: €16k
2019: €-72k
2020: €168k
2021: €93k
2022: €-59k
2023: €-12k
2024: €83k
2018 → 2025
Working capital
€46k▼ 77.6%
2024 · €206k
2018: €139k
2019: €63k
2020: €250k
2021: €360k
2022: €137k
2023: €122k
2024: €206k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€371k-€146k▼ 60.7%€134k▼ 8.0%€217k▲ 61.9%€54k▼ 75.2%
Operating result€103k-€-59k€-21k▲ 64.9%€80k€30k▼ 63.0%
Net result€93k-€-59k€-12k▲ 80.3%€83k€32k▼ 61.9%
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 falls in 2025; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €427k
Fixed assets
€8k▼ 30.4%
Current assets
€419k▼ 20.3%
Equity and liabilities €427k
Equity
€54k▼ 75.2%
Debt
€373k▲ 16.7%
The debt ratio rises from 59.5% to 87.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35k▼
2024 · €85k
Cash flow
€37k▼
2024 · €87k
Solvency
12.6%▼
2024 · 40.5%
Current ratio
1.12▼
2024 · 1.65
Quick ratio
1.12▼
2024 · 1.62
Debt / equity
6.92▲
2024 · 1.47
ROE
58.7%▲
2024 · 38.2%
ROA
7.4%▼
2024 · 15.5%
Interest coverage
9.87▼
2024 · 11.93
Debt
€373k▲
2024 · €320k
Debt ≤ 1 year
€373k▲
2024 · €320k
Income taxes
€13k▼
2024 · €14k
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€537k€427k▼
Fixed assets21/28€11k€8k▼
Tangible fixed assets22/27€7k€7k▼
Land and buildings22-€2k
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€5k€1k▼
Financial fixed assets28€4k€975▼
Current assets29/58€526k€419k▼
Stocks and contracts in progress3€8k€0▼
Stocks30/36€8k€0▼
Amounts receivable within one year40/41€398k€180k▼
Trade receivables40€16k€28k▲
Other amounts receivable41€383k€152k▼
Cash at bank and in hand54/58€94k€212k▲
Deferred charges and accrued income490/1€25k€27k▲
Equity and liabilities
Total equity and liabilities10/49€537k€427k▼
Equity10/15€217k€54k▼
Contributions10/11€19k€19k=
Reserves13€199k€35k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€199k€35k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€320k€373k▲
Amounts payable within one year42/48€320k€373k▲
Trade debts44€24k€46k▲
Suppliers440/4€24k€46k▲
Taxes, remuneration and social security45€35k€14k▼
Taxes450/3€35k€14k▼
Other amounts payable47/48€260k€312k▲
Accrued charges and deferred income492/3€22€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€88k€40k▼
Operating profit (loss)9901€80k€30k▼
Financial income75/76B€23k€18k▼
Recurring financial income75€23k€18k▼
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€97k€44k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€83k€32k▼
Profit (loss) for the period to be appropriated9905€83k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€32k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0€195k▲
Transfer to equity691/2€83k€32k▼
To other reserves6921€83k€32k▼
Profit to be distributed694/7-€195k
Return on contributions (dividend)694-€195k
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Back to profitnet €83k
Net result €83k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €217k ▲61.9%
Equity rises from €134k to €217k.
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 153 days late
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 143 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 92 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 121 days late
2020
31-12
Financial
Back to profitnet €168k
Net result €168k after one loss-making year.
31-12
Financial
Equity above €200kEq €278k ▲152%
Equity rises from €110k to €278k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €-72k ▼544%
Net result drops to €-72k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 92 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 61 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Sint-Niklaas · 1 establishment unit since 2011
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.
Parklaan 259100 Sint-NiklaasGround area
642 m²
Building footprint
362 m²
Volume, LiDAR
3,460 m³
Parcel 46443E1849/00X000, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DE WONINGGALERIJ
since 20112.200.495.874
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E1849/00X000 | Flanders | 642 m² | 1 · 362 m² | 16.2 m · 4 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 · 194 EUR awarded · 194 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 194 EUR | 194 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,327 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2011
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
25110Manufacture of metal structures and parts of structures
41001General construction of residential buildings
43120Site preparation
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.