DELCOFISC SCPRL
ActiveDELCOFISC SCPRL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €156k and a net result of €43k. Equity is growing by ~29% per year across the filed fiscal years. Its solvency ranks better than 37% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 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
Profitability83▲+4
Solvency68▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.15 in 2024; short-term debt: 14.7% and cash: 15.9% of total assets), but 57.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
42.8%
Return on assets
11.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
1 d early
2022
30 d late
2021
30 d late
2020
31 d late
2019
91 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€80k
EBIT margin
31.1%
Net result
€43k▲ 36.7%
2024 · €31k
2018: €1k
2019: €6k
2020: €21k
2021: €19k
2022: €24k
2023: €27k
2024: €31k
2018 → 2025
Working capital
€43k▲ 256%
2024 · €12k
2018: €9k
2019: €12k
2020: €16k
2021: €-5k
2022: €-10k
2023: €-8k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€68k▲ 38.1%€91k▲ 34.0%€119k▲ 30.3%€156k▲ 31.3%
Operating result€24k-€35k▲ 43.3%€39k▲ 10.5%€43k▲ 11.7%€60k▲ 39.1%
Net result€19k-€24k▲ 24.3%€27k▲ 11.9%€31k▲ 17.0%€43k▲ 36.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€267k▼ 3.2%
Current assets
€97k▲ 6.7%
Equity and liabilities €364k
Equity
€156k▲ 31.3%
Debt
€209k▼ 16.0%
The debt ratio falls from 67.7% to 57.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €58k
Cash flow
€57k▲
2024 · €46k
Solvency
42.8%▲
2024 · 32.3%
Current ratio
1.81▲
2024 · 1.15
Quick ratio
1.81▲
2024 · 1.15
Debt / equity
1.34▼
2024 · 2.09
ROE
27.3%▲
2024 · 26.2%
ROA
11.7%▲
2024 · 8.5%
Interest coverage
33.22▲
2024 · 25.92
Debt
€209k▼
2024 · €249k
Debt ≤ 1 year
€54k▼
2024 · €79k
Debt > 1 year
€155k▼
2024 · €170k
Income taxes
€15k▲
2024 · €11k
Staff costs
€17k▼
2024 · €19k
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€367k€364k▼
Fixed assets21/28€276k€267k▼
Tangible fixed assets22/27€276k€267k▼
Land and buildings22€228k€222k▼
Plant, machinery and equipment23€48k€46k▼
Furniture and vehicles24€306-
Financial fixed assets28€175€175=
Current assets29/58€91k€97k▲
Amounts receivable within one year40/41€39k€36k▼
Trade receivables40€39k€36k▼
Other amounts receivable41€5€5=
Cash at bank and in hand54/58€49k€58k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€367k€364k▼
Equity10/15€119k€156k▲
Contributions10/11€6k€6k=
Reserves13€52k€89k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€50k€87k▲
Profit (loss) carried forward14€61k€61k▲
Amounts payable17/49€249k€209k▼
Amounts payable after more than one year17€170k€155k▼
Financial debts170/4€170k€155k▼
Amounts payable within one year42/48€79k€54k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€24k€21k▼
Taxes450/3€21k€18k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€29k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€80k€96k▲
Operating profit (loss)9901€43k€60k▲
Financial income75/76B€756€2▼
Recurring financial income75€756€2▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€42k€58k▲
Income taxes67/77€11k€15k▲
Profit (loss) for the period9904€31k€43k▲
Profit (loss) for the period to be appropriated9905€31k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€103k▲
Profit (loss) brought forward from the previous period14P€53k€61k▲
Transfer to equity691/2€20k€37k▲
To other reserves6921€20k€37k▲
Profit to be distributed694/7€4k€5k▲
Directors or managers695€4k€5k▲
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €43k ▲36.7%
Operating result €60k, net result €43k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲31.3%
8 profitable years in a row build equity to €156k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €100kEq €119k ▲30.3%
7 profitable years in a row build equity to €119k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 36 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Chièvres · 1 establishment unit since 2010
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.
Rue de Warpotte 8A7950 ChièvresGround area
1.1 ha
Building footprint
244 m²
Volume, LiDAR
1,428 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DELCOFISC
since 20102.189.889.222
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51037B0414/00E000 | Wallonia | 5,776 m² | 1 · 121 m² | 7.7 m · 2 fl. |
| 51037B0414/00F000 | Wallonia | 5,429 m² | 1 · 124 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,637. 6,517 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-06-2010
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:j.delavallee@gmail.com
Phone:0486/03.20.72