DIRK VAN DE VELDE
ActiveDIRK VAN DE VELDE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €118. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 70% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency90▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 65.47 against 72.86 in 2024; short-term debt: 0.6% and cash: 41.7% of total assets), and 34.6% of the assets are financed with debt.
Credit advice 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
65.4%
Return on assets
0%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
125 d late
2023
61 d late
2022
60 d late
2021
61 d late
2020
31 d late
2019
122 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€230k▲ 0.1%
2024 · €230k
2018: €183k
2019: €202k
2020: €221k
2021: €219k
2022: €229k
2023: €229k
2024: €230k
2018 → 2025
Total assets
€351k▼ 1.4%
2024 · €357k
2018: €490k
2019: €534k
2020: €523k
2021: €464k
2022: €390k
2023: €368k
2024: €357k
2018 → 2025
Net result
€118▼ 27.1%
2024 · €162
2018: €26k
2019: €30k
2020: €31k
2021: €-3k
2022: €10k
2023: €424
2024: €162
2018 → 2025
Working capital
€146k▼ 2.0%
2024 · €149k
2018: €-81k
2019: €7k
2020: €45k
2021: €83k
2022: €126k
2023: €139k
2024: €149k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€219k-€229k▲ 4.8%€229k▲ 0.2%€230k▲ 0.1%€230k▲ 0.1%
Operating result€8k-€20k▲ 160%€-215€36€-343
Net result€-3k-€10k€424▼ 95.9%€162▼ 61.8%€118▼ 27.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €343 after €36 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €351k
Fixed assets
€203k▼ 1.2%
Current assets
€149k▼ 1.8%
Equity and liabilities €351k
Equity
€230k▲ 0.1%
Debt
€122k▼ 4.1%
The debt ratio falls from 35.6% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €22k
Cash flow
€2k▼
2024 · €22k
Solvency
65.4%▲
2024 · 64.4%
Current ratio
65.47▼
2024 · 72.86
Quick ratio
65.47▼
2024 · 72.86
Debt / equity
0.53▼
2024 · 0.55
ROE
0.1%▼
2024 · 0.1%
ROA
0.0%▼
2024 · 0.0%
Interest coverage
12.67▼
2024 · 152.44
Debt
€122k▼
2024 · €127k
Debt ≤ 1 year
€2k▲
2024 · €2k
Debt > 1 year
€114k▼
2024 · €119k
Income taxes
€256▲
2024 · €-250
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€357k€351k▼
Fixed assets21/28€205k€203k▼
Tangible fixed assets22/27€205k€203k▼
Land and buildings22€203k€202k▼
Plant, machinery and equipment23€2k€1k▼
Current assets29/58€151k€149k▼
Amounts receivable within one year40/41€1k€1k▼
Other amounts receivable41€1k€1k▼
Cash at bank and in hand54/58€145k€147k▲
Deferred charges and accrued income490/1€5k€999▼
Equity and liabilities
Total equity and liabilities10/49€357k€351k▼
Equity10/15€230k€230k▲
Contributions10/11€19k€19k=
Reserves13€211k€211k▲
Tax-exempt reserves132€16k€16k=
Distributable reserves133€195k€195k▲
Amounts payable17/49€127k€122k▼
Amounts payable after more than one year17€119k€114k▼
Financial debts170/4€119k€114k▼
Amounts payable within one year42/48€2k€2k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Other amounts payable47/48€600€600=
Accrued charges and deferred income492/3€6k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€2k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€25k€6k▼
Operating profit (loss)9901€36€-343▼
Financial income75/76B€20€877▲
Recurring financial income75€20€877▲
Financial charges65/66B€144€160▲
Recurring financial charges65€144€160▲
Profit (loss) for the period before taxes9903€-88€374▲
Income taxes67/77€-250€256▲
Profit (loss) for the period9904€162€118▼
Profit (loss) for the period to be appropriated9905€162€118▼
Appropriation of the result
Profit (loss) to be appropriated9906€162€118▼
Transfer to equity691/2€162€118▼
To other reserves6921€162€118▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 125 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 72.86
Current ratio from 27.55 to 72.86; short-term debt falls from €5k to €2k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 27.55
Current ratio from 7.57 to 27.55; short-term debt falls from €19k to €5k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 7.57
Current ratio from 2.25 to 7.57; short-term debt falls from €66k to €19k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €-3k ▼109%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €31k ▲3.9%
Net result €31k, the highest in the series.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 1.05
Current ratio from 0.40 to 1.05.
31-12
Financial
Equity above €200kEq €202k ▲10.3%
2 profitable years in a row build equity to €202k.
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 133 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
16-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 77 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zwalm · 1 establishment unit since 1994
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.
Paulatemstraat(Paul) 119630 ZwalmGround area
859 m²
Building footprint
223 m²
Volume, LiDAR
1,146 m³
Parcel 45049A0093/00E000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAN DE VELDE
since 19942.069.329.704
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45049A0093/00E000 | Flanders | 858 m² | 1 · 223 m² | 8.3 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.
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CARPENTIER KENNETH
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SYMETRIE
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Of 20,031 companies in sector 43320 we hold annual accounts for 9,133. 7,263 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-1994
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
43211General electrical installation work
45310
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.