DECLERCK
ActiveDECLERCK has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €53k. Equity is shrinking by ~15.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 13% of 7311 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy▲ +55 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency13▼-20
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.03 against 0.41 in 2024), and 98% 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 · 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2%
Return on assets
93.1%
Age of the figures
17 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7311 sector peers (2025).
NBB · sector comparisonPosition among 7311 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 d early
2023
10 d late
2022
29 d late
2021
4 d early
2020
13 d late
2019
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k
2024 · €-52k
2019: €-12k
2020: €-32k
2021: €-51k
2022: €-58k
2023: €-71k
2024: €-52k
2019 → 2025
Total assets
€57k▲ 32.4%
2024 · €43k
2019: €10k
2020: €32k
2021: €30k
2022: €23k
2023: €14k
2024: €43k
2019 → 2025
Net result
€53k▲ 169%
2024 · €20k
2019: €-29k
2020: €-21k
2021: €-18k
2022: €-8k
2023: €-13k
2024: €20k
2019 → 2025
Working capital
€2k
2024 · €-55k
2019: €-12k
2020: €-52k
2021: €-66k
2022: €-69k
2023: €-76k
2024: €-55k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-51k-€-58k▼ 15.3%€-71k▼ 21.6%€-52k▲ 27.5%€1k
Operating result€-18k-€-7k▲ 57.4%€-12k▼ 64.8%€20k€58k▲ 189%
Net result€-18k-€-8k▲ 57.6%€-13k▼ 62.9%€20k€53k▲ 169%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 189% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€4k▼ 3.9%
Current assets
€53k▲ 36.0%
Equity and liabilities €57k
Equity
€1k
Debt
€55k
Debt finances 98.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€59k▲
2024 · €25k
Cash flow
€55k▲
2024 · €25k
Solvency
2.0%▲
2024 · -120.6%
Current ratio
1.03▲
2024 · 0.41
Quick ratio
0.97▲
2024 · 0.37
Debt / equity
49.35▲
2024 · -1.83
ROA
93.1%▲
2024 · 45.8%
Interest coverage
12.60▼
2024 · 544.38
Debt
€55k▼
2024 · €94k
Debt ≤ 1 year
€51k▼
2024 · €94k
Income taxes
€275▼
2024 · €328
A ratio outside any meaningful range has been withheld (balance sheet total €57k, equity €1k).
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€43k€57k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Land and buildings22-€788
Plant, machinery and equipment23€4k€3k▼
Current assets29/58€39k€53k▲
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€34k€19k▼
Trade receivables40€34k€19k▼
Other amounts receivable41€47€337▲
Cash at bank and in hand54/58€1k€30k▲
Equity and liabilities
Total equity and liabilities10/49€43k€57k▲
Equity10/15€-52k€1k▲
Contributions10/11€6k€6k=
Reserves13€52k€52k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14€-110k€-57k▲
Amounts payable17/49€94k€55k▼
Amounts payable within one year42/48€94k€51k▼
Current portion of amounts payable after more than one year42-€11k
Trade debts44€316€3k▲
Suppliers440/4€316€3k▲
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48€86k€35k▼
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€2k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€98€0▼
Gross operating margin9900€27k€61k▲
Operating profit (loss)9901€20k€58k▲
Financial income75/76B-€40
Recurring financial income75-€40
Financial charges65/66B€47€5k▲
Recurring financial charges65€47€5k▲
Profit (loss) for the period before taxes9903€20k€53k▲
Income taxes67/77€328€275▼
Profit (loss) for the period9904€20k€53k▲
Profit (loss) for the period to be appropriated9905€20k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-110k€-57k▲
Profit (loss) brought forward from the previous period14P€-129k€-110k▲
The notes to these accounts (7 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €53k ▲169%
Operating result €58k, net result €53k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 1.03
Current ratio from 0.41 to 1.03; short-term debt falls from €94k to €51k.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €20k
Net result €20k after 5 loss-making years.
2023
10-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2019
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Oostrozebeke · 1 establishment unit since 1998
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.
Tieltsteenweg 328780 OostrozebekeGround area
1,343 m²
Building footprint
186 m²
Volume, LiDAR
806 m³
Parcel 37010C0353/00T000, Flanders · tallest building 8.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DECLERCK BVBA
since 19982.231.564.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010C0353/00T000 | Flanders | 1,343 m² | 1 · 186 m² | 8.3 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.
Similar companies · same sector, comparable size
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BE 1003.181.918
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HypoMaxa
BE 0696.738.825
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LB CONSTRUCT
BE 0560.862.809
Binche · Eq €1k
NB CONSTRUCT CAR
BE 0764.927.746
Oupeye · Eq €1k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 2,002 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-1998
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
45211
43120Site preparation
43211General electrical installation work
43320Joinery installation
45112
45310
45421
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.