DELLA PIANA
ActiveSummary
DELLA PIANA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €282k and a net result of €15k. Equity is shrinking by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+17
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.33 against 3.8 in 2024; short-term debt: 13.2% and cash: 18.9% of total assets), and 13.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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
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
86.4%
Return on assets
4.7%
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
on the day
2023
12 d early
2022
11 d early
2021
19 d late
2020
31 d late
2019
80 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k
2024 · €-28k
2018: €1k
2019: €16k
2020: €-54k
2021: €-34k
2022: €-23k
2023: €34k
2024: €-28k
2018 → 2025
Working capital
€101k▲ 13.3%
2024 · €89k
2018: €143k
2019: €104k
2020: €40k
2021: €10k
2022: €23k
2023: €88k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€319k-€296k▼ 7.1%€330k▲ 11.6%€302k▼ 8.4%€282k▼ 6.8%
Operating result€-28k-€-21k▲ 25.4%€36k€-26k€17k
Net result€-34k-€-23k▲ 33.8%€34k€-28k€15k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €26k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326k
Fixed assets
€183k ▼ 15.0%
Current assets
€144k ▲ 19.3%
Equity and liabilities €326k
Equity
€282k ▼ 6.8%
Provisions
€1k ▲ 17.8%
Debt
€43k ▲ 36.1%
Debt's share of the balance-sheet total rises from 9.5% to 13.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €11k
Cash flow
€48k▲
2024 · €9k
Current ratio
3.33▼
2024 · 3.80
Quick ratio
3.25▲
2024 · 3.17
Debt to equity
0.15▲
2024 · 0.10
ROE
5.4%▲
2024 · -9.2%
ROA
4.7%▲
2024 · -8.3%
Interest coverage
44.03▲
2024 · 7.09
Debt ≤ 1 year
€43k▲
2024 · €32k
Income taxes
€604▲
2024 · €590
Staff costs
€5k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€335k€326k▼
Fixed assets21/28€215k€183k▼
Tangible fixed assets22/27€215k€183k▼
Land and buildings22€213k€182k▼
Plant, machinery and equipment23€883€686▼
Furniture and vehicles24€801€350▼
Current assets29/58€121k€144k▲
Stocks and contracts in progress3€20k€4k▼
Stocks30/36€11k€4k▼
Contracts in progress37€9k€0▼
Amounts receivable within one year40/41€74k€72k▼
Trade receivables40€67k€67k=
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€21k€62k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€335k€326k▼
Equity10/15€302k€282k▼
Contributions10/11€8k€8k=
Reserves13€201k€201k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€199k€199k=
Profit (loss) carried forward14€94k€74k▼
Provisions and deferred taxes16€1k€1k▲
Provisions for liabilities and charges160/5€1k€1k▲
Other liabilities and charges164/5€1k€1k▲
Amounts payable17/49€32k€43k▲
Amounts payable within one year42/48€32k€43k▲
Current portion of amounts payable after more than one year42€649€659▲
Trade debts44€16k€12k▼
Suppliers440/4€16k€12k▼
Taxes, remuneration and social security45€19€13k▲
Taxes450/3€0€13k▲
Remuneration and social security454/9€19€19=
Other amounts payable47/48€15k€17k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€5k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€33k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-397€204▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€21k€60k▲
Operating profit (loss)9901€-26k€17k▲
Financial income75/76B€315€150▼
Recurring financial income75€315€150▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-27k€16k▲
Income taxes67/77€590€604▲
Profit (loss) for the period9904€-28k€15k▲
Profit (loss) for the period to be appropriated9905€-28k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€109k▲
Profit (loss) brought forward from the previous period14P€122k€94k▼
Profit to be distributed694/7-€36k
Return on contributions (dividend)694-€36k
The notes to these accounts (13 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €34k
Net result €34k after 3 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-54k ▼442%
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 80 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Courcelles · 2 establishment units since 1991
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 du Château(TR) 446183 CourcellesGround area
894 m²
Building footprint
90 m²
Volume, LiDAR
981 m³
2 parcels, Wallonia · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Rue du Château(TR) 44, 6183 Courcelles
since 19912.053.424.177
Rue Philippe Monnoyer(CO) 17-19, 6180 Courcelles
since 20132.226.683.597
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015B1257/00D002 | Wallonia | 603 m² | 1 · 90 m² | 12.7 m · 4 fl. |
| 52066B0877/00R003 | Wallonia | 291 m² | - | - |
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.
Similar companies · same sector, comparable size
DE ROO
BE 0757.540.306
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Moerenhout en Zoon
BE 0408.346.046
Wichelen · Eq €281,956
DH TECH
BE 0550.773.423
Beveren-Kruibeke-Zwijndrecht · Eq €282,009
Ets Parmentier
BE 0778.394.712
Silly · Eq €282,044
NATHIRIS COMFORT
BE 0808.372.858
Waterloo · Eq €281,565
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,605 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-1991
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43410Roofing work
47521Retail sale of hardware, building materials, paint and glass (general range)
47527Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.