DELGRACO
ActiveDELGRACO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €26k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 45% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-2
Solvency75▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 3.23 in 2024; short-term debt: 33.1% and cash: 59.6% of total assets), and 49.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
50.5%
Return on assets
11.4%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
3 d early
2024
29 d late
2023
7 d early
2022
26 d early
2021
27 d early
2020
25 d late
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k=
2024 · €117k
2019: €13k
2020: €5k
2021: €35k
2022: €63k
2023: €89k
2024: €117k
2019 → 2025
Total assets
€231k▲ 5.9%
2024 · €219k
2019: €30k
2020: €66k
2021: €93k
2022: €107k
2023: €216k
2024: €219k
2019 → 2025
Net result
€26k▼ 9.6%
2024 · €29k
2019: €3k
2020: €-8k
2021: €31k
2022: €29k
2023: €28k
2024: €29k
2019 → 2025
Working capital
€69k▼ 26.7%
2024 · €94k
2019: €15k
2020: €-14k
2021: €15k
2022: €37k
2023: €63k
2024: €94k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€63k▲ 78.2%€89k▲ 40.6%€117k▲ 31.8%€117k=
Operating result€42k-€40k▼ 6.0%€49k▲ 22.9%€43k▼ 11.7%€38k▼ 11.6%
Net result€31k-€29k▼ 8.1%€28k▼ 1.9%€29k▲ 3.7%€26k▼ 9.6%
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 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€86k▲ 4.4%
Current assets
€145k▲ 6.8%
Equity and liabilities €231k
Equity
€117k=
Debt
€115k▲ 12.7%
The debt ratio rises from 46.6% to 49.5%. Debt is higher.
Key figures and ratios
EBITDA
€64k▼
2024 · €67k
Cash flow
€52k▼
2024 · €53k
Solvency
50.5%▼
2024 · 53.4%
Current ratio
1.90▼
2024 · 3.23
Quick ratio
1.90▼
2024 · 3.23
Debt / equity
0.98▲
2024 · 0.87
ROE
22.6%▼
2024 · 25.0%
ROA
11.4%▼
2024 · 13.3%
Interest coverage
25.58▲
2024 · 19.39
Debt
€115k▲
2024 · €102k
Debt ≤ 1 year
€77k▲
2024 · €42k
Debt > 1 year
€34k▼
2024 · €56k
Income taxes
€10k▼
2024 · €11k
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€219k€231k▲
Fixed assets21/28€82k€86k▲
Tangible fixed assets22/27€82k€86k▲
Furniture and vehicles24€82k€59k▼
Other tangible fixed assets26-€28k
Current assets29/58€136k€145k▲
Amounts receivable within one year40/41€20k€6k▼
Trade receivables40€19k€2k▼
Other amounts receivable41€1k€4k▲
Current investments50/53€75k€0▼
Cash at bank and in hand54/58€39k€138k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€219k€231k▲
Equity10/15€117k€117k=
Contributions10/11€10k€10k=
Profit (loss) carried forward14€107k€107k=
Amounts payable17/49€102k€115k▲
Amounts payable after more than one year17€56k€34k▼
Financial debts170/4€56k€34k▼
Amounts payable within one year42/48€42k€77k▲
Current portion of amounts payable after more than one year42€23k€24k▲
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€8k€13k▲
Taxes450/3€8k€13k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€27k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€26k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€69k€66k▼
Operating profit (loss)9901€43k€38k▼
Financial income75/76B€769€412▼
Recurring financial income75€769€412▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€41k€36k▼
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€29k€26k▼
Profit (loss) for the period to be appropriated9905€29k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€108k€133k▲
Profit (loss) brought forward from the previous period14P€79k€107k▲
Profit to be distributed694/7€1k€26k▲
Return on contributions (dividend)694€1k€26k▲
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €117k ▲31.8%
4 profitable years in a row build equity to €117k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.44
Current ratio from 0.34 to 1.44.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet €-8k ▼379%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
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, Kruisem · 1 establishment unit since 2019
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.
St. Elooiskeer(KRU) 89770 KruisemGround area
9,401 m²
Building footprint
525 m²
Volume, LiDAR
567 m³
Parcel 45017B1510/00A000, Flanders · tallest building 7.2 m. Linked by address, not a title deed.
1 establishment unit
Delgraco
since 20192.294.811.152
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017B1510/00A000 | Flanders | 9,401 m² | 1 · 525 m² | 7.2 m |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,242 EUR awarded · 1,242 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,242 EUR | 1,242 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,828 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47811Retail sale of cars and light vans (up to 3.5 tonnes)
64200Holdings
64210Activities of holding companies
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.