DERRIKS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DERRIKS is 0.4% (very low). The 2025 annual accounts show equity of €672k and a net result of €44k. Equity is shrinking by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 76% of 48 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 76% of 48 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-05-2026, 65 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	27-05-2026	65 d early	2026-00124006
31-12-2024	31-07-2025	26-05-2025	66 d early	2025-00105791
31-12-2023	31-07-2024	01-07-2024	30 d early	2024-00187062
31-12-2022	31-07-2023	22-05-2023	70 d early	2023-00091946
31-12-2021	31-07-2022	30-09-2022	61 d late	2022-20442995
31-12-2020	31-07-2021	30-07-2021	1 d early	2021-44900242
31-12-2019	31-07-2020	03-09-2020	34 d late	2020-50900526
31-12-2018	31-07-2019	13-06-2019	48 d early	2019-17800033
31-12-2017	31-07-2018	13-06-2018	48 d early	2018-18000369
31-12-2016	31-07-2017	12-06-2017	49 d early	2017-16800170

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1997, 29 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€44k-66.4%

Working capital€629k-11.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 27-05-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~4.8%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 81, Cleaning & landscape services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	67.0%	38.8%	better than 76% of 48 sector peers
Net result	€44k	€15k	better than 67% of 47 sector peers
Equity	€672k	€74k	better than 85% of 48 sector peers
Gross operating margin	€310k	€201k	better than 59% of 47 sector peers
Total assets	€1.00M	€325k	better than 74% of 48 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P76

Stable position over 2020-2025 · n=48-140

Net result P67

Stable position over 2020-2025 · n=47-138

Equity P85

Stable position over 2020-2025 · n=48-140

Gross operating margin P59

Stable position over 2020-2025 · n=47-138

Describes the position versus peers, not a forecast.

EBITDA

€91k

-56.0% 18-25

Net profit

€44k

-66.4% 18-25

Cash flow

€83k

-50.3% 18-25

Total assets

€1.00M

-13.7% 18-25

Equity

€672k

-7.7% 18-25

Working capital

€629k

-11.7% 18-25

Employees (FTE)

4

-7.0% 18-25

Staff costs

€235k

+21.6% 18-25

Show 12 other metrics

Income taxes

€14k

-68.2% 18-25

Dividends

€100k

-33.3% 18-25

Debt

€281k

-23.7% 18-25

Debt ≤ 1y

€280k

-22.4% 18-25

Debt > 1y

€606

-91.6% 18-25

Current ratio

3.25

+9.2% 18-25

Quick ratio

2.74

+3.3% 18-25

Solvency

67.0%

+7.0% 18-25

Debt / equity

0.42

-17.4% 18-25

ROE

6.5%

-63.6% 18-25

ROA

4.4%

-61.0% 18-25

Interest coverage

30.76

-33.6% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€91k
Net profit	€44k
Cash flow	€83k
Staff costs	€235k
Income taxes	€14k
Dividends	€100k
Total assets	€1.00M
Equity	€672k
Debt	€281k
of which ≤ 1y	€280k
of which > 1y	€606
Working capital	€629k
Employees (FTE)	4.0

Ratios (computed)

	2025
Current ratio	3.25
Quick ratio	2.74
Working capital ratio	62.7%
Solvency	67.0%
Debt / equity	0.42
Long-term debt ratio	0.00
Interest coverage	30.76
Gross margin	-
Net margin	-
ROA	4.4%
ROE	6.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €94k · 9.3% Current assets €909k · 90.7%

Equity & liabilities

Equity €672k · 67.0% Provisions €50k · 5.0% Debt €281k · 28.0%

Full annual accounts (26 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.00M
Fixed assets	21/28	€94k
Tangible fixed assets	22/27	€56k
Financial fixed assets	28	€37k
Current assets	29/58	€909k
Stocks & contracts in progress	3	€142k
Amounts receivable within one year	40/41	€194k
Investments	50/53	€229k
Cash & bank	54/58	€343k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.00M
Equity	10/15	€672k
Contributions / capital	10/11	€149k
Reserves	13	€523k
Provisions & deferred taxes	16	€50k
Amounts payable	17/49	€281k
Amounts payable after one year	17	€606
Amounts payable within one year	42/48	€280k
Trade debts payable within one year	44	€155k
Income statement
Gross operating margin	9900	€310k
Operating result	9901	€52k
Financial income	75	€9k
Financial charges	65	€3k
Result before taxes	9903	€58k
Income taxes	67/77	€14k
Net result for the period	9904	€44k
Result to be appropriated	9905	€44k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

83 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Jesserenplein 43840 Borgloon

Establishment units

1 location

Jesserenplein 4, 3840 Tongeren-Borgloon

aanleggen en onderhouden van tuinen, parken en het groene gedeelte van sportvelden.

since 19972.081.184.686

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,147 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73034B0562/00A000	Flanders	1,147 m²	-	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.