DECLA
ActiveDECLA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €614k and a net result of €22k. Equity is growing by ~59.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-47
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 29.57 against 38.38 in 2024), and 3.4% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
96.6%
Return on assets
3.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 13-07-2026, 13 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
13 d late
2024
30 d late
2023
4 d early
2022
on the day
2021
4 d late
2020
28 d late
2019
184 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€614k▲ 3.7%
2024 · €592k
2018: €-165k
2019: €-145k
2020: €37k
2021: €130k
2022: €252k
2023: €515k
2024: €592k
2018 → 2025
Total assets
€635k▲ 4.6%
2024 · €607k
2018: €190k
2019: €115k
2020: €196k
2021: €260k
2022: €281k
2023: €583k
2024: €607k
2018 → 2025
Net result
€22k▼ 71.2%
2024 · €76k
2018: €-12k
2019: €20k
2020: €182k
2021: €94k
2022: €122k
2023: €263k
2024: €76k
2018 → 2025
Working capital
€614k▲ 7.1%
2024 · €573k
2018: €-288k
2019: €-222k
2020: €-7k
2021: €87k
2022: €218k
2023: €492k
2024: €573k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€252k▲ 93.4%€515k▲ 105%€592k▲ 14.8%€614k▲ 3.7%
Operating result€142k-€180k▲ 27.2%€385k▲ 114%€95k▼ 75.3%€28k▼ 70.3%
Net result€94k-€122k▲ 29.7%€263k▲ 117%€76k▼ 71.0%€22k▼ 71.2%
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 has fallen two years in a row; 2025 is 70% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €635k
Fixed assets
€1▼ 100.0%
Current assets
€635k▲ 8.0%
Equity and liabilities €635k
Equity
€614k▲ 3.7%
Debt
€21k▲ 40.1%
The debt ratio rises from 2.5% to 3.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€47k▼
2024 · €100k
Cash flow
€41k▼
2024 · €81k
Solvency
96.6%▼
2024 · 97.5%
Current ratio
29.57▼
2024 · 38.38
Quick ratio
29.57▼
2024 · 38.38
Debt / equity
0.04▲
2024 · 0.03
ROE
3.6%▼
2024 · 12.9%
ROA
3.5%▼
2024 · 12.6%
Interest coverage
81.74▼
2024 · 87.34
Debt
€21k▲
2024 · €15k
Debt ≤ 1 year
€21k▲
2024 · €15k
Income taxes
€10k▼
2024 · €25k
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€607k€635k▲
Fixed assets21/28€19k€1▼
Tangible fixed assets22/27€19k€1▼
Plant, machinery and equipment23€3k€0▼
Furniture and vehicles24-€0
Leasing and similar rights25€12k€1▼
Other tangible fixed assets26€4k€0▼
Current assets29/58€588k€635k▲
Amounts receivable within one year40/41€2k€14k▲
Trade receivables40-€12k
Other amounts receivable41€2k€2k=
Current investments50/53€475k€475k=
Cash at bank and in hand54/58€111k€146k▲
Deferred charges and accrued income490/1€120€120=
Equity and liabilities
Total equity and liabilities10/49€607k€635k▲
Equity10/15€592k€614k▲
Contributions10/11€13k€13k=
Capital10€13k-
Issued capital100€19k-
Uncalled capital101€6k-
Reserves13€474k€601k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Distributable reserves133€473k€599k▲
Profit (loss) carried forward14€105k-
Amounts payable17/49€15k€21k▲
Amounts payable within one year42/48€15k€21k▲
Trade debts44€14k€6k▼
Suppliers440/4€14k€6k▼
Taxes, remuneration and social security45€2k€15k▲
Taxes450/3€2k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€19k▲
Other operating charges640/8€1k€956▼
Gross operating margin9900€101k€48k▼
Operating profit (loss)9901€95k€28k▼
Financial income75/76B€8k€5k▼
Recurring financial income75€8k€5k▼
Financial charges65/66B€1k€574▼
Recurring financial charges65€1k€574▼
Profit (loss) for the period before taxes9903€102k€32k▼
Income taxes67/77€25k€10k▼
Profit (loss) for the period9904€76k€22k▼
Profit (loss) for the period to be appropriated9905€76k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€127k▲
Profit (loss) brought forward from the previous period14P€28k€105k▲
Transfer to equity691/2-€127k
To other reserves6921-€127k
The notes to these accounts (4 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
30-11
Financial
Liquidity times 5current ratio 38.38
Current ratio from 8.26 to 38.38; short-term debt falls from €68k to €15k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-11
Financial
Highest result since 2018net €263k ▲117%
Operating result €385k, net result €263k, both a record.
30-11
Financial
Equity above €500kEq €515k ▲105%
5 profitable years in a row build equity to €515k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-11
Financial
Liquidity times 5current ratio 8.52
Current ratio from 1.67 to 8.52; short-term debt falls from €130k to €29k.
30-11
Financial
Equity above €200kEq €252k ▲93.4%
4 profitable years in a row build equity to €252k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2021
30-11
Financial
Equity above €100kEq €130k ▲257%
3 profitable years in a row build equity to €130k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 28 days late
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 184 days late
2019
30-11
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 71 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 25 days late
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Claes Rudy
CurrentNon-statutory director · since 28-05-2024
28-05-2024
Resigned as Director (executive)
28-05-2024
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Gavere · 1 establishment unit since 2006
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.
Munkbosstraat 19890 GavereGround area
2,002 m²
Building footprint
232 m²
Volume, LiDAR
1,209 m³
Parcel 44016A0016/00C000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DECLA
since 20062.150.934.715
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016A0016/00C000 | Flanders | 2,002 m² | 1 · 232 m² | 7.9 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 32,787 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2004
Fiscal year end30-11
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.