Financials
- Fiscal year
- 2025
- Total assets
- €3.8m
- Profit
- €3,737
- Solvency
- 30.2%
Turnover▲ 2.3%
Net result
20182019
DEGROOTE BERNARD
ActiveSummary
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 2716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201Screed 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
Structure
- Largest shareholder
- H&S Concrete · 50%
Accounts 60 d 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%
Better than 43% of its sector peers (NACE 41, small)
Performance against the sector, not lower risk
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).
Last 24 months
11-2024: 0.8%highest value
12-2024: 0.8%● 0.0% vs 11-2024highest value
01-2025: 0.8%● 0.0% vs 12-2024highest value
02-2025: 0.8%● 0.0% vs 01-2025highest value
03-2025: 0.8%● 0.0% vs 02-2025highest value
04-2025: 0.4%▼ -55.9% vs 03-2025
05-2025: 0.4%● 0.0% vs 04-2025
06-2025: 0.4%● 0.0% vs 05-2025
07-2025: 0.4%● 0.0% vs 06-2025
08-2025: 0.4%● 0.0% vs 07-2025
09-2025: 0.4%● 0.0% vs 08-2025
10-2025: 0.4%● 0.0% vs 09-2025
11-2025: 0.4%● 0.0% vs 10-2025
12-2025: 0.4%● 0.0% vs 11-2025
01-2026: 0.4%● 0.0% vs 12-2025
02-2026: 0.4%● 0.0% vs 01-2026
03-2026: 0.4%● 0.0% vs 02-2026
04-2026: 0.4%▲ +5.1% vs 03-2026
05-2026: 0.4%▲ +2.2% vs 04-2026
06-2026: 0.4%▲ +3.2% vs 05-2026
07-2026: 0.3%▼ -35.7% vs 06-2026lowest value
08-2026: 0.3%▲ +2.8% vs 07-2026
09-2026: 0.3%● 0.0% vs 08-2026
10-2026: 0.3%● 0.0% vs 09-2026
- Founded in 1990 lowers the probability for this profile
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- Liquidity: current ratio 1.26, cash €591,853 lowers the probability
- Figures for FY 2025 (filed 03-06-2026) lowers the probability
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 comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, small). Better than this share of them on solvency 48%, liquidity 59%, profitability 28%, growth against the median 38%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Equity 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 filingsDeviation from the deadline
2025
60 d early
2024
125 d early
2023
13 d early
2022
150 d early
2021
118 d early
2020
143 d early
2019
59 d 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 monthsPosition in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Back to profitnet €107,622
Key points
By topic
Board & ownership
- Largest shareholder
- H&S Concrete · 50%
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 01-06-2026Annual accounts filed
- 28-03-2025Annual accounts filed
- 31-12-2024Back to profit
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 further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check
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