DESCLO
ActiveDESCLO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €28k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+30
Solvency67▲+13
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 0.54 in 2024; short-term debt: 25.7% and cash: 21.5% of total assets), and 58.3% 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
41.7%
Return on assets
7.8%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-03-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
33 d early
2023
6 d early
2022
31 d early
2021
1 d early
2020
1 d early
2019
31 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€152k▲ 22.8%
2024 · €124k
2018: €57k
2019: €77k
2020: €84k
2021: €128k
2022: €132k
2023: €167k
2024: €124k
2018 → 2025
Total assets
€365k▼ 14.6%
2024 · €427k
2018: €96k
2019: €112k
2020: €191k
2021: €491k
2022: €561k
2023: €494k
2024: €427k
2018 → 2025
Net result
€28k
2024 · €-44k
2018: €1k
2019: €20k
2020: €7k
2021: €44k
2022: €-5k
2023: €35k
2024: €-44k
2018 → 2025
Working capital
€35k
2024 · €-68k
2018: €40k
2019: €52k
2020: €-12k
2021: €-39k
2022: €-93k
2023: €-38k
2024: €-68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€132k▲ 3.3%€167k▲ 26.3%€124k▼ 26.0%€152k▲ 22.8%
Operating result€48k-€2k▼ 95.9%€42k▲ 2,028%€-36k€33k
Net result€44k-€-5k€35k€-44k€28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €33k after a loss of €36k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €365k
Fixed assets
€236k▼ 31.9%
Current assets
€128k▲ 60.0%
Equity and liabilities €365k
Equity
€152k▲ 22.8%
Debt
€213k▼ 29.9%
The debt ratio falls from 71.0% to 58.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €36k
Cash flow
€81k▲
2024 · €29k
Solvency
41.7%▲
2024 · 29.0%
Current ratio
1.37▲
2024 · 0.54
Quick ratio
1.36▲
2024 · 0.51
Debt / equity
1.40▼
2024 · 2.45
ROE
18.6%▲
2024 · -35.2%
ROA
7.8%▲
2024 · -10.2%
Interest coverage
18.29▲
2024 · 4.99
Debt
€213k▼
2024 · €303k
Debt ≤ 1 year
€94k▼
2024 · €148k
Debt > 1 year
€119k▼
2024 · €155k
Staff costs
€236k▼
2024 · €343k
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€427k€365k▼
Fixed assets21/28€347k€236k▼
Intangible fixed assets21€30k-
Tangible fixed assets22/27€313k€236k▼
Plant, machinery and equipment23€59k€40k▼
Furniture and vehicles24€25k€93▼
Other tangible fixed assets26€229k€196k▼
Financial fixed assets28€3k-
Current assets29/58€80k€128k▲
Stocks and contracts in progress3€5k€500▼
Stocks30/36€5k€500▼
Amounts receivable within one year40/41€73k€49k▼
Trade receivables40€70k€49k▼
Other amounts receivable41€3k-
Cash at bank and in hand54/58€2k€78k▲
Equity and liabilities
Total equity and liabilities10/49€427k€365k▼
Equity10/15€124k€152k▲
Contributions10/11€19k€19k=
Reserves13€105k€133k▲
Distributable reserves133€105k€133k▲
Amounts payable17/49€303k€213k▼
Amounts payable after more than one year17€155k€119k▼
Financial debts170/4€155k€119k▼
Amounts payable within one year42/48€148k€94k▼
Current portion of amounts payable after more than one year42€65k€48k▼
Financial debts43€6k-
Credit institutions430/8€6k-
Trade debts44€47k€13k▼
Suppliers440/4€47k€13k▼
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€3k€14k▲
Remuneration and social security454/9€9k€1k▼
Other amounts payable47/48€18k€18k▲
Income statement
Code20242025
Non-recurring operating income76A-€29k
Remuneration, social security and pensions62€343k€236k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72k€52k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€30k
Gross operating margin9900€380k€352k▼
Operating profit (loss)9901€-36k€33k▲
Financial income75/76B€136€117▼
Recurring financial income75€136€117▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€-44k€28k▲
Profit (loss) for the period9904€-44k€28k▲
Profit (loss) for the period to be appropriated9905€-44k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€28k▲
Profit (loss) brought forward from the previous period14P€32k-
Transfer from equity791/2€12k-
Transfer to equity691/2-€28k
To other reserves6921-€28k
The notes to these accounts (10 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
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 1.37
Current ratio from 0.54 to 1.37; short-term debt falls from €148k to €94k.
30-09
Financial
Equity above €150kEq €152k ▲22.8%
Equity rises from €124k to €152k.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-44k ▼225%
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
30-09
Financial
Equity above €150kEq €167k ▲26.3%
Equity rises from €132k to €167k.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €44k ▲502%
Operating result €48k, net result €44k, both a record.
30-09
Financial
Equity above €100kEq €128k ▲52.4%
4 profitable years in a row build equity to €128k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Deinze · 2 establishment units since 2014
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.
Guido Gezellelaan 299800 DeinzeGround area
474 m²
Building footprint
392 m²
Volume, LiDAR
2,308 m³
3 parcels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
DESCLO
since 20142.231.817.669
Tweekapellenstraat 12, 9050 Gent
since 20262.389.088.818
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44011B0225/00X002 | Flanders | 224 m² | 1 · 223 m² | 9.6 m · 2 fl. |
| 44362B0069/00G003 | Flanders | 144 m² | 1 · 63 m² | 11.3 m · 3 fl. |
| 44362B0069/00L000 | Flanders | 106 m² | 1 · 106 m² | 11.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
Prados
BE 0889.511.774
Beveren-Kruibeke-Zwijndrecht · Eq €152k
Weva
BE 0678.548.355
Antwerpen · Eq €152k
DEROFOOD
BE 0637.866.456
Zedelgem · Eq €152k
WIDERA
BE 0693.855.153
Knokke-Heist · Eq €152k
Het Vleesgegroet
BE 0719.696.448
Zandhoven · Eq €153k
Of 3,043 companies in sector 47221 we hold annual accounts for 1,561. 1,327 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2014
Fiscal year end30-09
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.