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DEGROOTE BERNARD

Active
Private limited companyfounded 199035 years active's Graventafelstraat 1, 8980 Zonnebeke, BelgiumKBO/BCE: BE 0441.631.397
Summary

DEGROOTE BERNARD has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €3,737. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 40% of 2,716 sector peers (NACE 41, fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
General construction of residential buildings
NACE 41001Screed work NACE 43422
#4 company by total assets in Zonnebeke, Construction sector2 sites
Size
€3.8mtotal assets 2025
Staff
16.2 FTE
Equity
€1.2m
Profit
€3,737
Financial health
86 Excellent Checked score 2025
Bankruptcy probability, 12 months
0.3%
Structure
Largest shareholder
H&S Concrete · 50%
Accounts 60 days early0 of 10 deeds read
Why 86- Sector Construction of residential and non-residential buildings (NACE 41)+ Founded in 1990+ Liquidity: current ratio 1.26, cash €591,853+ Figures for FY 2025 (filed 03-06-2026)Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 43% of its sector peers (NACE 41, small)
Financial strength · tick = 2024
Average
Solvency 55+6
equity 30.2% of total assets
Liquidity 48+6
short-term debt 44.0% · cash 15.5%
Profitability 38-2
return on assets 0.1%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (909 companies)
Last 24 months 11-2024: 0.8%highest value 12-2024: 0.8%● unchanged vs 11-2024highest value 01-2025: 0.8%● unchanged vs 12-2024highest value 02-2025: 0.8%● unchanged vs 01-2025highest value 03-2025: 0.8%● unchanged vs 02-2025highest value 04-2025: 0.4%▼ -0.4 percentage points vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.3%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026
Credit up to €95,000 at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.21 in 2024; short-term debt: 44% and cash: 15.5% of total assets), and 69.8% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, small): better than 48% on solvency, 59% on liquidity, 28% on profitability and 38% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1990
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Liquidity: current ratio 1.26, cash €591,853
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 03-06-2026)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.2m
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
60 days early
2024
125 days early
2023
13 days early
2022
150 days early
2021
118 days early
2020
143 days early
2019
59 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 95 days before 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 4 April (4 of the last 5 filed years within 58 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Back to profitnet €107,622

Key points

  • Caution: Result fell in 2025from €107,622 to €3,737 ▼ 96.5% View
  • Positive: Among the best 12% on equitysector median €197,932 · 2,716 companies €1.2m View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€3.8m
Profit
€3,737
Solvency
30.2%
Turnover▲ 2.3%
Net result
20182019
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 18-07-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 03-03-2023Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
12-10-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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