IMMO DERYCKE
ActiveIMMO DERYCKE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €2k. Equity is shrinking by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+18
Solvency39▲+1
Growth38=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.01 in 2024; short-term debt: 11.8% of total assets), but 85.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
14.5%
Return on assets
1.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27559 sector peers (2025).
NBB · sector comparisonPosition among 27559 sector peers
Solvency
better than 17%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
69 d late
2023
13 d late
2022
149 d late
2021
145 d late
2020
46 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€30k▲ 50.9%
2024 · €20k
2018: €274k
2019: €158k
2020: €30k
2021: €26k
2023: €46k
2024: €20k
2018 → 2025
EBIT margin
25.5%▲ 40.2pp
2024 · -14.7%
2018: -10.2%
2019: 0.6%
2020: -33.7%
2021: -74.2%
2023: 54.1%
2024: -14.7%
2018 → 2025
Net result
€2k
2024 · €-9k
2018: €-35k
2019: €-5k
2020: €-16k
2021: €-25k
2022: €-19k
2023: €19k
2024: €-9k
2018 → 2025
Working capital
€34k▲ 27.9%
2024 · €27k
2018: €68k
2019: €63k
2020: €63k
2021: €53k
2022: €36k
2023: €57k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€26k-€46k€20k▼ 56.6%€30k▲ 50.9%
Equity€37k-€17k▼ 52.6%€37k▲ 111%€28k▼ 23.1%€31k▲ 8.4%
Operating result€-19k-€-14k▲ 27.6%€25k€-3k€8k
Net result€-25k-€-19k▲ 21.0%€19k€-9k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€153k▼ 10.0%
Current assets
€59k▲ 10.9%
Equity and liabilities €213k
Equity
€31k▲ 8.4%
Provisions
€42k=
Debt
€140k▼ 8.8%
The debt ratio falls from 68.6% to 65.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▲
2024 · €12k
Cash flow
€19k▲
2024 · €7k
Solvency
14.5%▲
2024 · 12.7%
Current ratio
2.37▲
2024 · 2.01
Quick ratio
2.37▲
2024 · 2.01
Debt / equity
4.55▼
2024 · 5.41
ROE
7.8%▲
2024 · -30.1%
ROA
1.1%▲
2024 · -3.8%
Interest coverage
4.80▲
2024 · 2.19
Debt
€140k▼
2024 · €154k
Debt ≤ 1 year
€25k▼
2024 · €27k
Debt > 1 year
€115k▼
2024 · €127k
Income taxes
€200
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€224k€213k▼
Fixed assets21/28€170k€153k▼
Tangible fixed assets22/27€170k€153k▼
Land and buildings22€146k€134k▼
Furniture and vehicles24€2k€2k=
Assets under construction and advance payments27€23k€18k▼
Financial fixed assets28€175€175=
Current assets29/58€54k€59k▲
Amounts receivable within one year40/41€54k€59k▲
Trade receivables40€27k€33k▲
Other amounts receivable41€27k€27k▼
Equity and liabilities
Total equity and liabilities10/49€224k€213k▼
Equity10/15€28k€31k▲
Contributions10/11€19k€19k=
Reserves13€46k€48k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€44k€46k▲
Profit (loss) carried forward14€-36k€-36k▲
Provisions and deferred taxes16€42k€42k=
Provisions for liabilities and charges160/5€42k€42k=
Pensions and similar obligations160€42k€42k=
Amounts payable17/49€154k€140k▼
Amounts payable after more than one year17€127k€115k▼
Financial debts170/4€127k€115k▼
Amounts payable within one year42/48€27k€25k▼
Current portion of amounts payable after more than one year42€12k€9k▼
Financial debts43€7k€10k▲
Credit institutions430/8€7k€10k▲
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€6k€5k▼
Accrued charges and deferred income492/3-€272
Income statement
Code20242025
Turnover70€20k€30k▲
Goods, raw materials, services and sundry goods60/61€4k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€17k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€16k€27k▲
Operating profit (loss)9901€-3k€8k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-9k€3k▲
Income taxes67/77-€200
Profit (loss) for the period9904€-9k€2k▲
Profit (loss) for the period to be appropriated9905€-9k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-34k▲
Profit (loss) brought forward from the previous period14P€-28k€-36k▼
Transfer to equity691/2-€2k
To other reserves6921-€2k
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after 5 loss-making years.
27-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 149 days late
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 145 days late
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 62 days late
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 168 days late
2017
19-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 80 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Nivelles · 1 establishment unit since 2009
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 de Sofia 31400 NivellesGround area
454 m²
Building footprint
104 m²
Volume, LiDAR
761 m³
Parcel 25072B0379/00L000, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO DERYCKE
since 20092.184.066.945
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0379/00L000 | Wallonia | 454 m² | 1 · 104 m² | 9.8 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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Of 7,039 companies in sector 43221 we hold annual accounts for 3,469. 2,745 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2009
Fiscal year end31-12
Abbreviation FR
ETS DERYCKE
Activities, NACEBEL
43221Plumbing work
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.