DUCO HOUSING
ActiveDUCO HOUSING has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €65k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+15
Solvency64▲+5
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.35 in 2024; short-term debt: 61.1% and cash: 4.9% of total assets), but 61.1% 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
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
38.9%
Return on assets
11.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
21 d early
2024
300 d late
2023
439 d late
2022
3 d late
2021
219 d late
2020
495 d late
2019
290 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€216k▲ 43.1%
2024 · €151k
2018: €164k
2019: €170k
2020: €105k
2021: €108k
2022: €162k
2023: €178k
2024: €151k
2018 → 2025
Total assets
€555k▲ 24.8%
2024 · €445k
2018: €443k
2019: €340k
2020: €460k
2021: €562k
2022: €566k
2023: €495k
2024: €445k
2018 → 2025
Net result
€65k
2024 · €-4k
2018: €65k
2019: €24k
2020: €-45k
2021: €3k
2022: €54k
2023: €77k
2024: €-4k
2018 → 2025
Working capital
€180k▲ 73.5%
2024 · €104k
2018: €71k
2019: €100k
2020: €13k
2021: €9k
2022: €86k
2023: €124k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€162k▲ 49.7%€178k▲ 10.4%€151k▼ 15.6%€216k▲ 43.1%
Operating result€41k-€80k▲ 98.0%€91k▲ 13.4%€19k▼ 78.7%€89k▲ 361%
Net result€3k-€54k▲ 1,459%€77k▲ 43.3%€-4k€65k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 361% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €555k
Fixed assets
€36k▼ 24.1%
Current assets
€519k▲ 30.6%
Equity and liabilities €555k
Equity
€216k▲ 43.1%
Debt
€339k▲ 15.4%
The debt ratio falls from 66.1% to 61.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€107k▲
2024 · €40k
Cash flow
€83k▲
2024 · €17k
Solvency
38.9%▲
2024 · 33.9%
Current ratio
1.53▲
2024 · 1.35
Quick ratio
1.39▲
2024 · 1.12
Debt / equity
1.57▼
2024 · 1.95
ROE
30.1%▲
2024 · -2.5%
ROA
11.7%▲
2024 · -0.9%
Interest coverage
20.95▲
2024 · 10.91
Debt
€339k▲
2024 · €294k
Debt ≤ 1 year
€339k▲
2024 · €294k
Income taxes
€19k▼
2024 · €20k
Staff costs
€93
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€445k€555k▲
Fixed assets21/28€47k€36k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€45k€34k▼
Land and buildings22€17k€19k▲
Plant, machinery and equipment23€28k€15k▼
Financial fixed assets28€198€198=
Current assets29/58€398k€519k▲
Stocks and contracts in progress3€68k€48k▼
Stocks30/36€68k€48k▼
Amounts receivable within one year40/41€325k€444k▲
Trade receivables40€253k€349k▲
Other amounts receivable41€72k€95k▲
Cash at bank and in hand54/58€5k€27k▲
Deferred charges and accrued income490/1-€169
Equity and liabilities
Total equity and liabilities10/49€445k€555k▲
Equity10/15€151k€216k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€94k€159k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€88k€153k▲
Profit (loss) carried forward14€-6k€-6k=
Amounts payable17/49€294k€339k▲
Amounts payable within one year42/48€294k€339k▲
Financial debts43€462-
Credit institutions430/8€462-
Trade debts44€95k€129k▲
Suppliers440/4€95k€129k▲
Advances received on contracts in progress46€58k€108k▲
Taxes, remuneration and social security45€32k€55k▲
Taxes450/3€32k€55k▲
Other amounts payable47/48€110k€46k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€93
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€18k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€-1k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€47k€107k▲
Operating profit (loss)9901€19k€89k▲
Financial income75/76B€125€0▼
Recurring financial income75€125€0▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€16k€84k▲
Income taxes67/77€20k€19k▼
Profit (loss) for the period9904€-4k€65k▲
Profit (loss) for the period to be appropriated9905€-4k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€59k▲
Profit (loss) brought forward from the previous period14P-€-6k
Transfer from equity791/2€22k-
Transfer to equity691/2-€65k
To other reserves6921-€65k
Profit to be distributed694/7€24k-
Directors or managers695€24k-
The notes to these accounts (8 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 300 days late
2025
31-12
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
31-12
Financial
Equity above €200kEq €216k ▲43.1%
Equity rises from €151k to €216k.
08-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 439 days late
13-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 439 days late
2023
31-12
Financial
Highest result since 2018net €77k ▲43.3%
Operating result €91k, net result €77k, both a record.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 219 days late
2022
31-12
Financial
Equity above €150kEq €162k ▲49.7%
2 profitable years in a row build equity to €162k.
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 495 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
17-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 290 days late
2020
31-12
Financial
Weakest financial yearnet €-45k ▼289%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 89 days late
18-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 230 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Brecht · 1 establishment unit since 1993
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.
Nijverheidsstraat 22960 BrechtGround area
6,085 m²
Building footprint
1,799 m²
Volume, LiDAR
10,455 m³
Parcel 11042A0001/00F042, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DUCO HOUSING
since 19932.064.904.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11042A0001/00F042 | Flanders | 6,085 m² | 1 · 1,799 m² | 7.4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrecht2.064.904.029
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Of 136 companies in sector 46641 we hold annual accounts for 86. 63 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-11-1993
Fiscal year end31-12
Activities, NACEBEL
10720Manufacture of food products
15820
46641Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.