Declerck Achiel
ActiveDeclerck Achiel has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €12k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 94% of 4575 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 7.96 against 6.69 in 2024; short-term debt: 7.7% and cash: 35.9% of total assets), and 7.7% 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+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 49
Relative position
BE, all sectors
reference
Sector 49
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
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
92.3%
Return on assets
9.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
51 d early
2023
33 d early
2022
48 d early
2021
38 d early
2020
29 d early
2019
51 d early
← 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
€115k▲ 11.5%
2024 · €103k
2018: €67k
2019: €68k
2020: €70k
2021: €57k
2022: €63k
2023: €85k
2024: €103k
2018 → 2025
Total assets
€125k▲ 15.6%
2024 · €108k
2018: €147k
2019: €134k
2020: €117k
2021: €128k
2022: €89k
2023: €154k
2024: €108k
2018 → 2025
Net result
€12k▼ 33.2%
2024 · €18k
2018: €-5k
2019: €1k
2020: €2k
2021: €-13k
2022: €5k
2023: €23k
2024: €18k
2018 → 2025
Working capital
€67k▲ 152%
2024 · €26k
2018: €-32k
2019: €-15k
2020: €4k
2021: €-2k
2022: €23k
2023: €-20k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€63k▲ 9.4%€85k▲ 36.3%€103k▲ 20.9%€115k▲ 11.5%
Operating result€527-€6k▲ 1,132%€29k▲ 339%€20k▼ 29.3%€14k▼ 31.0%
Net result€-13k-€5k€23k▲ 323%€18k▼ 21.6%€12k▼ 33.2%
Turnover and EBIT margin not published: the 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 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€48k▼ 36.9%
Current assets
€76k▲ 145%
Equity and liabilities €125k
Equity
€115k▲ 11.5%
Debt
€10k▲ 106%
The debt ratio rises from 4.3% to 7.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42k▼
2024 · €49k
Cash flow
€40k▼
2024 · €46k
Solvency
92.3%▼
2024 · 95.7%
Current ratio
7.96▲
2024 · 6.69
Quick ratio
6.59▲
2024 · 4.97
Debt / equity
0.08▲
2024 · 0.05
ROE
10.4%▼
2024 · 17.3%
ROA
9.6%▼
2024 · 16.5%
Interest coverage
82.72▼
2024 · 83.64
Debt
€10k▲
2024 · €5k
Debt ≤ 1 year
€10k▲
2024 · €5k
Income taxes
€2k▼
2024 · €2k
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€108k€125k▲
Fixed assets21/28€77k€48k▼
Tangible fixed assets22/27€77k€48k▼
Land and buildings22€9k€4k▼
Furniture and vehicles24€68k€45k▼
Current assets29/58€31k€76k▲
Stocks and contracts in progress3€8k€13k▲
Stocks30/36€8k€13k▲
Amounts receivable within one year40/41€13k€15k▲
Trade receivables40€12k€14k▲
Other amounts receivable41€371€537▲
Cash at bank and in hand54/58€7k€45k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€108k€125k▲
Equity10/15€103k€115k▲
Contributions10/11€24k€24k=
Reserves13€80k€92k▲
Distributable reserves133€80k€92k▲
Amounts payable17/49€5k€10k▲
Amounts payable within one year42/48€5k€10k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€545€523▼
Other amounts payable47/48€278€338▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€51k€45k▼
Operating profit (loss)9901€20k€14k▼
Financial charges65/66B€580€511▼
Recurring financial charges65€580€511▼
Profit (loss) for the period before taxes9903€20k€13k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€18k€12k▼
Profit (loss) for the period to be appropriated9905€18k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€12k▼
Transfer to equity691/2€18k€12k▼
To other reserves6921€18k€12k▼
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 9current ratio 6.69
Current ratio from 0.71 to 6.69; short-term debt falls from €68k to €5k.
31-12
Financial
Equity above €100kEq €103k ▲20.9%
3 profitable years in a row build equity to €103k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €23k ▲323%
Operating result €29k, net result €23k, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-13k ▼761%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 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, Harelbeke · 1 establishment unit since 1960
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.
Hoogstraat 88531 HarelbekeGround area
205 m²
Building footprint
138 m²
Volume, LiDAR
773 m³
Parcel 34004A0319/00K002, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DECLERCK ACHIEL BVBA
since 19602.002.842.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34004A0319/00K002 | Flanders | 205 m² | 1 · 138 m² | 10.8 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 · 1,737 EUR awarded · 1,737 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 144 EUR | 144 EUR |
| 2024 | 1 | 48 EUR | 48 EUR |
| 2023 | 1 | 1,500 EUR | 1,500 EUR |
| 2022 | 1 | 45 EUR | 45 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 6,374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.