DEWOLF JOEL SRL
ActiveSummary
The computed 12-month bankruptcy probability of DEWOLF JOEL SRL is 2.5% (moderate). The 2025 annual accounts show equity of €104k and a net result of €52k. Its solvency ranks better than 65% of 27965 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency86▼-7
Growth78
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.91 in 2024; short-term debt: 39.4% and cash: 22.5% of total assets), and 39.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
60.6%
Return on assets
30.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
25 d late
2024
2 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▲ 101%
2024 · €52k
2024: €52k
2024 → 2025
Total assets
€172k▲ 126%
2024 · €76k
2024: €76k
2024 → 2025
Net result
€52k▲ 9.4%
2024 · €48k
2024: €48k
2024 → 2025
Working capital
€38k▲ 70.5%
2024 · €22k
2024: €22k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€52k-€104k▲ 101%
Operating result€67k-€73k▲ 9.1%
Net result€48k-€52k▲ 9.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€67k ▲ 124%
Current assets
€106k ▲ 128%
Equity and liabilities €172k
Equity
€104k ▲ 101%
Debt
€68k ▲ 181%
Debt's share of the balance-sheet total rises from 31.8% to 39.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€81k▲
2024 · €75k
Cash flow
€60k▲
2024 · €56k
Current ratio
1.56▼
2024 · 1.91
Debt to equity
0.65▲
2024 · 0.47
ROE
50.2%▼
2024 · 92.3%
ROA
30.4%▼
2024 · 62.9%
Interest coverage
23.75▼
2024 · 34.11
Debt ≤ 1 year
€68k▲
2024 · €24k
Income taxes
€20k▲
2024 · €18k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€172k▲
Fixed assets21/28€30k€67k▲
Tangible fixed assets22/27€30k€67k▲
Land and buildings22€9k€10k▲
Plant, machinery and equipment23€3k€34k▲
Furniture and vehicles24€18k€22k▲
Current assets29/58€46k€106k▲
Amounts receivable within one year40/41€31k€66k▲
Trade receivables40€143€530▲
Other amounts receivable41€30k€66k▲
Cash at bank and in hand54/58€16k€39k▲
Deferred charges and accrued income490/1€87€507▲
Equity and liabilities
Total equity and liabilities10/49€76k€172k▲
Equity10/15€52k€104k▲
Contributions10/11€4k€4k=
Reserves13€48k€100k▲
Distributable reserves133€48k€100k▲
Amounts payable17/49€24k€68k▲
Amounts payable within one year42/48€24k€68k▲
Trade debts44€2k€28k▲
Suppliers440/4€2k€28k▲
Taxes, remuneration and social security45€22k€40k▲
Taxes450/3€22k€40k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€720€774▲
Gross operating margin9900€76k€82k▲
Operating profit (loss)9901€67k€73k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€66k€72k▲
Income taxes67/77€18k€20k▲
Profit (loss) for the period9904€48k€52k▲
Profit (loss) for the period to be appropriated9905€48k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€52k▲
Transfer to equity691/2€48k€52k▲
To other reserves6921€48k€52k▲
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €100kEq €104k ▲101%
2 profitable years in a row build equity to €104k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Beloeil · 1 establishment unit since 2023
Ground area
761 m²
Building footprint
93 m²
Volume, LiDAR
793 m³
Parcel 51532A0274/00D020, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DEWOLF JOEL SRL
since 20232.348.491.645
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51532A0274/00D020 | Wallonia | 761 m² | 1 · 93 m² | 9.8 m · 3 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
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SWT
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Wezembeek-Oppem · Eq €104,150
Benny Swartenbroekx
BE 0829.117.297
Halen · Eq €104,304
Bouwwerken Koen Truyers
BE 0667.778.880
Heusden-Zolder · Eq €104,113
Of 11,135 companies in sector 43910 we hold annual accounts for 5,489. 4,808 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
Founded12-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43910Bricklaying and masonry work
43110Demolition
43320Joinery installation
43343Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:djtoiture@gmail.com