DELANOIS André
ActiveDELANOIS André has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €252k and a net result of €-73k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 62% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-3
Solvency83▼-17
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 3.94 in 2024; short-term debt: 41.8% and cash: 4.6% of total assets), and 42% 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 43
Relative position
BE, all sectors
reference
Sector 43
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-73k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-06-2026, 33 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
33 d late
2024
37 d early
2023
1 d early
2022
41 d early
2021
31 d early
2020
18 d early
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€252k▼ 22.4%
2024 · €324k
2018: €239k
2019: €321k
2020: €305k
2021: €313k
2022: €297k
2023: €375k
2024: €324k
2018 → 2025
Total assets
€433k▲ 7.5%
2024 · €403k
2018: €463k
2019: €590k
2020: €598k
2021: €517k
2022: €389k
2023: €503k
2024: €403k
2018 → 2025
Net result
€-73k▼ 43.3%
2024 · €-51k
2018: €29k
2019: €82k
2020: €-17k
2021: €9k
2022: €-16k
2023: €78k
2024: €-51k
2018 → 2025
Working capital
€165k▼ 28.6%
2024 · €231k
2018: €274k
2019: €347k
2020: €343k
2021: €211k
2022: €182k
2023: €275k
2024: €231k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€297k▼ 5.2%€375k▲ 26.2%€324k▼ 13.5%€252k▼ 22.4%
Operating result€12k-€12k▲ 2.5%€92k▲ 649%€-50k€-72k▼ 43.8%
Net result€9k-€-16k€78k€-51k€-73k▼ 43.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €72k in 2025 against €50k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€88k▼ 6.5%
Current assets
€346k▲ 11.7%
Equity and liabilities €433k
Equity
€252k▼ 22.4%
Debt
€182k▲ 130%
The debt ratio rises from 19.6% to 42.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-63k▼
2024 · €-42k
Cash flow
€-64k▼
2024 · €-42k
Solvency
58.0%▼
2024 · 80.4%
Current ratio
1.91▼
2024 · 3.94
Quick ratio
1.67▼
2024 · 3.68
Debt / equity
0.72▲
2024 · 0.24
ROE
-28.9%▼
2024 · -15.6%
ROA
-16.8%▼
2024 · -12.6%
Interest coverage
-85.94▼
2024 · -64.21
Debt
€182k▲
2024 · €79k
Debt ≤ 1 year
€181k▲
2024 · €79k
Staff costs
€108k▲
2024 · €96k
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€403k€433k▲
Fixed assets21/28€94k€88k▼
Intangible fixed assets21€80k€80k=
Tangible fixed assets22/27€13k€7k▼
Furniture and vehicles24€13k€7k▼
Financial fixed assets28€1k€1k=
Current assets29/58€310k€346k▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Stocks and contracts in progress3€20k€43k▲
Stocks30/36€20k€43k▲
Contracts in progress37€0-
Amounts receivable within one year40/41€219k€278k▲
Trade receivables40€206k€272k▲
Other amounts receivable41€13k€6k▼
Cash at bank and in hand54/58€68k€20k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€403k€433k▲
Equity10/15€324k€252k▼
Contributions10/11€19k€19k=
Reserves13€209k€209k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€197k€197k=
Profit (loss) carried forward14€96k€24k▼
Amounts payable17/49€79k€182k▲
Amounts payable within one year42/48€79k€181k▲
Trade debts44€8k€25k▲
Suppliers440/4€8k€25k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€65k€151k▲
Accrued charges and deferred income492/3€346€885▲
Income statement
Code20242025
Remuneration, social security and pensions62€96k€108k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€56k€46k▼
Operating profit (loss)9901€-50k€-72k▼
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€647€735▲
Recurring financial charges65€647€735▲
Profit (loss) for the period before taxes9903€-51k€-73k▼
Income taxes67/77€35-
Profit (loss) for the period9904€-51k€-73k▼
Profit (loss) for the period to be appropriated9905€-51k€-73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€24k▼
Profit (loss) brought forward from the previous period14P€147k€96k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (9 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 33 days late
2025
30-09
Financial
Weakest financial yearnet €-73k
Net result drops to €-73k, the lowest in the series.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €78k
Net result €78k after one loss-making year.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €82k ▲185%
Operating result €120k, net result €82k, both a record.
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mons · 1 establishment unit since 1986
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.
Chemin du Bois (N.) 457020 MonsGround area
1,559 m²
Building footprint
77 m²
Volume, LiDAR
564 m³
Parcel 53059A0289/00D023, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPRL A.D.
since 19862.035.002.194
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53059A0289/00D023 | Wallonia | 1,559 m² | 1 · 77 m² | 8.8 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.
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Of 914 companies in sector 43333 we hold annual accounts for 400. 308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-1986
Fiscal year end30-09
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
45433
45441
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.