DEWAELE & ZONEN
ActiveSummary
DEWAELE & ZONEN has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €340k and a net result of €49k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 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
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.83 against 38.64 in 2024; short-term debt: 17.8% and cash: 63.1% of total assets), and 17.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
82.2%
Return on assets
11.8%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 d early
2023
30 d late
2022
on the day
2021
29 d early
2020
26 d late
2019
36 d early
← 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
Equity
€340k▼ 18.1%
2024 · €415k
2018: €268k
2019: €298k
2020: €322k
2021: €343k
2022: €332k
2023: €373k
2024: €415k
2018 → 2025
Total assets
€414k▼ 2.4%
2024 · €424k
2018: €288k
2019: €330k
2020: €361k
2021: €374k
2022: €374k
2023: €417k
2024: €424k
2018 → 2025
Net result
€49k▲ 15.2%
2024 · €42k
2018: €62k
2019: €30k
2020: €24k
2021: €21k
2022: €23k
2023: €41k
2024: €42k
2018 → 2025
Working capital
€283k▼ 16.4%
2024 · €338k
2018: €223k
2019: €257k
2020: €290k
2021: €320k
2022: €310k
2023: €277k
2024: €338k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€343k-€332k▼ 3.4%€373k▲ 12.5%€415k▲ 11.3%€340k▼ 18.1%
Operating result€28k-€30k▲ 8.0%€17k▼ 43.0%€52k▲ 201%€67k▲ 30.0%
Net result€21k-€23k▲ 9.6%€41k▲ 78.6%€42k▲ 2.2%€49k▲ 15.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €414k
Fixed assets
€58k ▼ 25.5%
Current assets
€357k ▲ 2.7%
Equity and liabilities €414k
Equity
€340k ▼ 18.1%
Debt
€74k ▲ 722%
Debt's share of the balance-sheet total rises from 2.1% to 17.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€90k▲
2024 · €76k
Cash flow
€72k▲
2024 · €67k
Current ratio
4.83▼
2024 · 38.64
Quick ratio
4.51▼
2024 · 35.77
Debt to equity
0.22▲
2024 · 0.02
ROE
14.3%▲
2024 · 10.2%
ROA
11.8%▲
2024 · 10.0%
Interest coverage
154.30▲
2024 · 69.77
Debt ≤ 1 year
€74k▲
2024 · €9k
Income taxes
€20k▲
2024 · €17k
Staff costs
€63k▲
2024 · €60k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€424k€414k▼
Fixed assets21/28€77k€58k▼
Tangible fixed assets22/27€77k€57k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€73k€54k▼
Other tangible fixed assets26€2k€603▼
Financial fixed assets28€248€248=
Current assets29/58€347k€357k▲
Stocks and contracts in progress3€26k€24k▼
Stocks30/36€26k€24k▼
Amounts receivable within one year40/41€61k€68k▲
Trade receivables40€36k€65k▲
Other amounts receivable41€24k€3k▼
Current investments50/53€0-
Cash at bank and in hand54/58€257k€261k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€424k€414k▼
Equity10/15€415k€340k▼
Contributions10/11€6k€6k=
Reserves13€409k€334k▼
Distributable reserves133€409k€334k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€9k€74k▲
Amounts payable within one year42/48€9k€74k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€20€201▲
Credit institutions430/8€20€201▲
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Taxes, remuneration and social security45€0€5k▲
Taxes450/3€0€5k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€0€61k▲
Income statement
Code20242025
Remuneration, social security and pensions62€60k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€23k▼
Other operating charges640/8€2k€6k▲
Gross operating margin9900€139k€159k▲
Operating profit (loss)9901€52k€67k▲
Financial income75/76B€9k€2k▼
Recurring financial income75€9k€2k▼
Non-recurring financial income76B€0-
Financial charges65/66B€1k€584▼
Recurring financial charges65€1k€584▼
Profit (loss) for the period before taxes9903€59k€69k▲
Income taxes67/77€17k€20k▲
Profit (loss) for the period9904€42k€49k▲
Profit (loss) for the period to be appropriated9905€42k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€49k▲
Transfer from equity791/2-€124k
Transfer to equity691/2€42k€49k▲
To the legal reserve6920€42k€49k▲
Profit to be distributed694/7-€124k
Return on contributions (dividend)694-€124k
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 38.64
Current ratio from 7.37 to 38.64; short-term debt falls from €43k to €9k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €21k ▼13.7%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 30.42
Current ratio from 11.96 to 30.42; short-term debt falls from €20k to €9k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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
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, Geraardsbergen · 1 establishment unit since 2002
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.
Werfstraat(Via) 109500 GeraardsbergenGround area
2,666 m²
Building footprint
216 m²
Volume, LiDAR
1,113 m³
Parcel 41070B0094/00H000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Werfstraat(Via) 10, 9500 Geraardsbergen
since 20022.114.615.935
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41070B0094/00H000 | Flanders | 2,666 m² | 1 · 216 m² | 8.1 m · 2 fl. |
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.
Similar companies · same sector, comparable size
VAN OVERMEEREN
BE 0870.898.761
Kluisbergen · Eq €340,201
PALINCKX
BE 0472.570.340
Wuustwezel · Eq €340,023
DE BLOCK DOMINIQUE
BE 0672.846.834
Sint-Niklaas · Eq €339,719
KILOWATTS
BE 0675.338.942
Flémalle · Eq €341,026
ENERGY CENTRE COSMONERA
BE 0426.269.666
Essen · Eq €339,485
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,431 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
Founded04-10-2002
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43221Plumbing work
43223Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.