JOACHIM DE BOCK
ActiveJOACHIM DE BOCK has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €21k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+7
Solvency86▼-14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 5.24 in 2024; short-term debt: 38.9% and cash: 9.4% of total assets), and 38.9% 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 · 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
61.1%
Return on assets
13.4%
Age of the figures
9 mo
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
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
21 d early
2023
20 d early
2022
14 d early
2021
17 d early
2020
24 d early
2019
14 d early
← 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, micro schema
Equity
€98k▼ 10.2%
2024 · €109k
2018: €33k
2019: €39k
2020: €39k
2021: €23k
2022: €56k
2023: €98k
2024: €109k
2018 → 2025
Total assets
€160k▲ 19.8%
2024 · €133k
2018: €64k
2019: €112k
2020: €82k
2021: €59k
2022: €94k
2023: €127k
2024: €133k
2018 → 2025
Net result
€21k▲ 93.7%
2024 · €11k
2018: €16k
2019: €7k
2020: €86
2021: €-16k
2022: €33k
2023: €42k
2024: €11k
2018 → 2025
Working capital
€95k▼ 9.2%
2024 · €104k
2018: €33k
2019: €33k
2020: €35k
2021: €22k
2022: €55k
2023: €98k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€56k▲ 139%€98k▲ 74.2%€109k▲ 11.3%€98k▼ 10.2%
Operating result€-15k-€42k€58k▲ 38.1%€16k▼ 71.9%€31k▲ 88.7%
Net result€-16k-€33k€42k▲ 27.7%€11k▼ 73.4%€21k▲ 93.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 89% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€3k▼ 33.2%
Current assets
€157k▲ 21.6%
Equity and liabilities €160k
Equity
€98k▼ 10.2%
Debt
€62k▲ 153%
The debt ratio rises from 18.4% to 38.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €16k
Cash flow
€23k▲
2024 · €11k
Solvency
61.1%▼
2024 · 81.6%
Current ratio
2.52▼
2024 · 5.24
Quick ratio
2.52▼
2024 · 5.24
Debt / equity
0.64▲
2024 · 0.23
ROE
22.0%▲
2024 · 10.2%
ROA
13.4%▲
2024 · 8.3%
Interest coverage
35.49▲
2024 · 24.89
Debt
€62k▲
2024 · €25k
Debt ≤ 1 year
€62k▲
2024 · €25k
Income taxes
€9k▲
2024 · €5k
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€133k€160k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€25€25=
Current assets29/58€129k€157k▲
Amounts receivable within one year40/41€126k€141k▲
Trade receivables40€83k€94k▲
Other amounts receivable41€42k€48k▲
Cash at bank and in hand54/58€3k€15k▲
Deferred charges and accrued income490/1€50-
Equity and liabilities
Total equity and liabilities10/49€133k€160k▲
Equity10/15€109k€98k▼
Contributions10/11€6k€6k=
Reserves13€87k€76k▼
Distributable reserves133€87k€76k▼
Profit (loss) carried forward14€15k€15k=
Amounts payable17/49€25k€62k▲
Amounts payable within one year42/48€25k€62k▲
Trade debts44€16k€2k▼
Suppliers440/4€16k€2k▼
Taxes, remuneration and social security45€9k€596▼
Taxes450/3€9k€596▼
Other amounts payable47/48-€59k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8€2k▲
Other operating charges640/8€682€1k▲
Gross operating margin9900€17k€34k▲
Operating profit (loss)9901€16k€31k▲
Financial income75/76B€25€145▲
Recurring financial income75€25€145▲
Financial charges65/66B€656€910▲
Recurring financial charges65€656€910▲
Profit (loss) for the period before taxes9903€16k€30k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€11k€21k▲
Profit (loss) for the period to be appropriated9905€11k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€37k▲
Profit (loss) brought forward from the previous period14P€15k€15k=
Transfer from equity791/2-€33k
Transfer to equity691/2€11k€21k▲
To other reserves6921€11k€21k▲
Profit to be distributed694/7-€33k
Return on contributions (dividend)694-€33k
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €109k ▲11.3%
3 profitable years in a row build equity to €109k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €42k ▲27.7%
Operating result €58k, net result €42k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-16k ▼18588%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Laarne · 1 establishment unit since 2012
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.
Veldstraat 119270 LaarneGround area
561 m²
Building footprint
123 m²
Parcel 42010C0843/00R007, Flanders. Linked by address, not a title deed.
1 establishment unit
JOACHIM DE BOCK
since 20122.238.135.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010C0843/00R007 | Flanders | 561 m² | 1 · 123 m² | - |
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
DEFITECH
BE 0465.039.279
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SECUR LIFE PROTECT
BE 0457.599.082
Chièvres · Eq €98k
Vandermoeren
BE 0794.344.777
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INDUSTRIAL HANDLINGS
BE 0450.009.031
Merchtem · Eq €97k
GREG TOITURES
BE 0799.541.207
Faimes · Eq €97k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,814 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2012
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.