DUFOUR ERIC
ActiveSummary
The annual accounts of DUFOUR ERIC for fiscal year 2025 show a net loss of 67% of total assets and of 57% of the equity at the start of that year. The 2025 annual accounts show equity of €28,230 and a net result of -€36,695. Equity is shrinking by ~17.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 55% of 28281 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency77▼-7
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.55 against 2.2 in 2024; short-term debt: 48.5% and cash: 24.3% of total assets), and 48.5% of the assets are financed with debt.
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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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.5%
Return on assets
-67%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€36,695
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
57 d late
2023
54 d late
2022
72 d late
2021
36 d late
2020
31 d late
2019
47 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 47 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 24 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€36,695▲ 9.5%
2024 · -€40,537
Working capital
€14,716▼ 72.3%
2024 · €53,202
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€14,112-€17,453-€1,727▲ 90.1%-€39,191▼ 2,169%-€30,610▲ 21.9%
Net result€11,088within the sector's middle half-€20,511below the sector's middle half-€7,149below the sector's middle half▲ 65.1%-€40,537below the sector's middle half▼ 467%-€36,695below the sector's middle half▲ 9.5%
Equity€133,122above the sector's middle half▲ 9.1%€112,611within the sector's middle half▼ 15.4%€105,462within the sector's middle half▼ 6.3%€64,925within the sector's middle half▼ 38.4%€28,230within the sector's middle half▼ 56.5%
Total assets€185,563within the sector's middle half▼ 23.6%€156,147within the sector's middle half▼ 15.9%€164,791within the sector's middle half▲ 5.5%€109,259within the sector's middle half▼ 33.7%€54,778below the sector's middle half▼ 49.9%
Debt€52,442▼ 56.6%€43,536▼ 17.0%€59,329▲ 36.3%€44,334▼ 25.3%€26,548▼ 40.1%
Working capital€66,713within the sector's middle half▲ 21.3%€66,204within the sector's middle half▼ 0.8%€71,613within the sector's middle half▲ 8.2%€53,202within the sector's middle half▼ 25.7%€14,716within the sector's middle half▼ 72.3%
Solvency71.7%above the sector's middle half▲ 21.5pp72.1%above the sector's middle half▲ 0.4pp64.0%within the sector's middle half▼ 8.1pp59.4%within the sector's middle half▼ 4.6pp51.5%within the sector's middle half▼ 7.9pp
Current ratio2.27within the sector's middle half▲ 0.792.52within the sector's middle half▲ 0.252.21within the sector's middle half▼ 0.312.20within the sector's middle half▼ 0.011.55within the sector's middle half▼ 0.65
Return on assets (ROA)6.0%within the sector's middle half▲ 29.8pp-13.1%below the sector's middle half▼ 19.1pp-4.3%below the sector's middle half▲ 8.8pp-37.1%below the sector's middle half▼ 32.8pp-67.0%below the sector's middle half▼ 29.9pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30,610 in 2025 against €39,191 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54,778
Fixed assets
€13,514 ▲ 15.3%
Current assets
€41,264 ▼ 57.7%
Equity and liabilities €54,778
Equity
€28,230 ▼ 56.5%
Debt
€26,548 ▼ 40.1%
Debt's share of the balance-sheet total rises from 40.6% to 48.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€26,753▲
2024 · -€30,765
Cash flow
-€32,838▼
2024 · -€32,111
Debt to equity
0.94▲
2024 · 0.68
ROE
-130.0%▼
2024 · -62.4%
Interest coverage
-4.40▲
2024 · -30.12
Debt ≤ 1 year
€26,548▼
2024 · €44,334
Staff costs
€74,881▲
2024 · €65,746
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,834 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €198,288 | €176,860 | €126,640 | €65,746 | €74,881 | ▲ 13.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,518 | €24,517 | €23,485 | €8,425 | €3,857 | ▼ 54.2% |
| Other operating charges640/8 | €5,156 | €1,999 | €2,788 | €7,278 | €7,326 | ▲ 0.7% |
| Non-recurring operating charges66A | - | €2,500 | €818 | €4,508 | €2,387 | ▼ 47.0% |
| Gross operating margin9900 | €241,075 | €188,423 | €152,003 | €46,767 | €57,841 | ▲ 23.7% |
| Operating profit (loss)9901 | €14,112 | -€17,453 | -€1,727 | -€39,191 | -€30,610 | ▲ 21.9% |
| Financial income75/76B | - | - | €23 | €108 | €0 | ▼ 99.9% |
| Recurring financial income75 | - | - | €23 | €108 | €0 | ▼ 99.9% |
| Financial charges65/66B | €1,915 | €2,633 | €1,554 | €1,021 | €6,085 | ▲ 496% |
| Recurring financial charges65 | €1,915 | €2,633 | €1,554 | €1,021 | €6,085 | ▲ 496% |
| Profit (loss) for the period before taxes9903 | €12,197 | -€20,086 | -€3,258 | -€40,104 | -€36,695 | ▲ 8.5% |
| Income taxes67/77 | €1,109 | €426 | €3,891 | €433 | - | - |
| Profit (loss) for the period9904 | €11,088 | -€20,511 | -€7,149 | -€40,537 | -€36,695 | ▲ 9.5% |
| Transfer from tax-exempt reserves789 | - | €17,500 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €11,088 | -€3,011 | -€7,149 | -€40,537 | -€36,695 | ▲ 9.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €185,563 | €156,147 | €164,791 | €109,259 | €54,778 | ▼ 49.9% |
| Fixed assets21/28 | €66,409 | €46,407 | €33,848 | €11,723 | €13,514 | ▲ 15.3% |
| Tangible fixed assets22/27 | €64,645 | €44,643 | €32,085 | €11,523 | €13,314 | ▲ 15.5% |
| Plant, machinery and equipment23 | €31,951 | €15,783 | €9,549 | €117 | €8,708 | ▲ 7,313% |
| Furniture and vehicles24 | €32,694 | €28,860 | €22,535 | €11,405 | €4,606 | ▼ 59.6% |
| Financial fixed assets28 | €1,764 | €1,764 | €1,764 | €200 | €200 | = |
| Current assets29/58 | €119,154 | €109,740 | €130,943 | €97,537 | €41,264 | ▼ 57.7% |
| Amounts receivable within one year40/41 | €40,167 | €77,509 | €115,707 | €83,566 | €26,959 | ▼ 67.7% |
| Trade receivables40 | €27,340 | €46,580 | €106,420 | €80,319 | €26,041 | ▼ 67.6% |
| Other amounts receivable41 | €12,827 | €30,929 | €9,287 | €3,246 | €918 | ▼ 71.7% |
| Cash at bank and in hand54/58 | €77,186 | €27,009 | €14,190 | €13,093 | €13,291 | ▲ 1.5% |
| Deferred charges and accrued income490/1 | €1,801 | €5,221 | €1,045 | €878 | €1,014 | ▲ 15.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €185,563 | €156,147 | €164,791 | €109,259 | €54,778 | ▼ 49.9% |
| Equity10/15 | €133,122 | €112,611 | €105,462 | €64,925 | €28,230 | ▼ 56.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €114,522 | €94,011 | €86,862 | €46,325 | €25,483 | ▼ 45.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Tax-exempt reserves132 | €17,500 | - | - | - | - | - |
| Distributable reserves133 | €95,162 | €92,151 | €85,002 | €44,465 | €25,483 | ▼ 42.7% |
| Profit (loss) carried forward14 | - | - | - | - | -€15,853 | - |
| Amounts payable17/49 | €52,442 | €43,536 | €59,329 | €44,334 | €26,548 | ▼ 40.1% |
| Amounts payable within one year42/48 | €52,442 | €43,536 | €59,329 | €44,334 | €26,548 | ▼ 40.1% |
| Current portion of amounts payable after more than one year42 | €576 | - | - | - | - | - |
| Financial debts43 | - | €606 | - | - | - | - |
| Credit institutions430/8 | - | €606 | - | - | - | - |
| Trade debts44 | €46,338 | €36,971 | €22,033 | €40,390 | €21,271 | ▼ 47.3% |
| Suppliers440/4 | €46,338 | €36,971 | €22,033 | €40,390 | €21,271 | ▼ 47.3% |
| Taxes, remuneration and social security45 | €5,527 | €3,959 | €10,043 | €3,374 | €1,795 | ▼ 46.8% |
| Taxes450/3 | €1,959 | €1,588 | €6,962 | €1,795 | - | - |
| Remuneration and social security454/9 | €3,568 | €2,372 | €3,080 | €1,579 | €1,795 | ▲ 13.7% |
| Other amounts payable47/48 | - | €1,999 | €27,254 | €570 | €3,481 | ▲ 510% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,088 | -€20,511 | -€7,149 | -€40,537 | -€36,695 | ▲ 9.5% |
| + Depreciation and write-downs630 | €23,518 | €24,517 | €23,485 | €8,425 | €3,857 | ▼ 54.2% |
| Operating cash flow (approximation) | €34,607 | €4,006 | €16,336 | -€32,111 | -€32,838 | ▼ 2.3% |
| Investment in fixed assets (approximation) | - | -€4,515 | -€10,927 | €13,701 | -€5,649 | ▼ 141% |
| Change in cash | - | -€50,177 | -€12,819 | -€1,097 | €198 | ▲ 118% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2021
31-12
Financial
Back to profitnet €11,088
Net result €11,088 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€57,835
Net result drops to -€57,835, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 47 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 13 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, La Louvière · 1 establishment unit since 1999
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.
Rue Wauters J.(S-B) 1367110 La Louvière1 establishment unit
DUFOUR ERIC SPRL
since 19992.131.358.432
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Of 7,868 companies in sector 43341 we hold annual accounts for 2,665. 2,201 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-03-1999
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43333Wallpapering and laying of floor and wall coverings in other materials
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465716202
Also
9925:BE0465716202
Registered
10-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.