LES COLVERTS
ActiveLES COLVERTS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €243k and a net result of €40k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-1
Solvency46▼-19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.92 in 2024; short-term debt: 76.8% and cash: 14.6% of total assets), and 78.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
21.5%
Return on assets
3.5%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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
29 d late
2024
28 d late
2023
30 d late
2022
30 d late
2021
32 d early
2020
27 d late
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€243k▲ 19.6%
2024 · €203k
2018: €61k
2019: €66k
2020: €71k
2021: €108k
2022: €142k
2023: €181k
2024: €203k
2018 → 2025
Total assets
€1.13M▲ 121%
2024 · €513k
2018: €683k
2019: €579k
2020: €548k
2021: €548k
2022: €540k
2023: €540k
2024: €513k
2018 → 2025
Net result
€40k▲ 76.2%
2024 · €23k
2018: €7k
2019: €5k
2020: €5k
2021: €37k
2022: €34k
2023: €39k
2024: €23k
2018 → 2025
Working capital
€30k
2024 · €-20k
2018: €-286k
2019: €-253k
2020: €-218k
2021: €-159k
2022: €-108k
2023: €-64k
2024: €-20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€142k▲ 31.0%€181k▲ 27.4%€203k▲ 12.5%€243k▲ 19.6%
Operating result€57k-€52k▼ 8.4%€61k▲ 16.7%€37k▼ 38.1%€75k▲ 100%
Net result€37k-€34k▼ 9.4%€39k▲ 15.9%€23k▼ 42.0%€40k▲ 76.2%
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 100% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€233k▼ 14.7%
Current assets
€900k▲ 275%
Equity and liabilities €1.13M
Equity
€243k▲ 19.6%
Debt
€890k▲ 187%
The debt ratio rises from 60.4% to 78.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€115k▲
2024 · €78k
Cash flow
€80k▲
2024 · €63k
Solvency
21.5%▼
2024 · 39.6%
Current ratio
1.03▲
2024 · 0.92
Quick ratio
0.33▼
2024 · 0.92
Debt / equity
3.66▲
2024 · 1.52
ROE
16.4%▲
2024 · 11.1%
ROA
3.5%▼
2024 · 4.4%
Interest coverage
6.45▼
2024 · 11.19
Debt
€890k▲
2024 · €310k
Debt ≤ 1 year
€871k▲
2024 · €260k
Debt > 1 year
€7k▼
2024 · €37k
Income taxes
€19k▲
2024 · €8k
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€513k€1.13M▲
Fixed assets21/28€273k€233k▼
Tangible fixed assets22/27€273k€233k▼
Land and buildings22€273k€233k▼
Plant, machinery and equipment23€0-
Current assets29/58€240k€900k▲
Stocks and contracts in progress3-€613k
Stocks30/36-€613k
Amounts receivable within one year40/41€114k€120k▲
Other amounts receivable41€114k€120k▲
Cash at bank and in hand54/58€123k€165k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€513k€1.13M▲
Equity10/15€203k€243k▲
Contributions10/11€51k€51k=
Profit (loss) carried forward14€153k€192k▲
Amounts payable17/49€310k€890k▲
Amounts payable after more than one year17€37k€7k▼
Financial debts170/4€37k€7k▼
Amounts payable within one year42/48€260k€871k▲
Current portion of amounts payable after more than one year42€29k€30k▲
Financial debts43€68k€664k▲
Credit institutions430/8€68k€664k▲
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€8k€19k▲
Taxes450/3€8k€19k▲
Other amounts payable47/48€149k€149k▲
Accrued charges and deferred income492/3€12k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€40k=
Other operating charges640/8€4k€5k▲
Gross operating margin9900€82k€120k▲
Operating profit (loss)9901€37k€75k▲
Financial income75/76B€251€1k▲
Recurring financial income75€251€1k▲
Financial charges65/66B€7k€18k▲
Recurring financial charges65€7k€18k▲
Profit (loss) for the period before taxes9903€31k€58k▲
Income taxes67/77€8k€19k▲
Profit (loss) for the period9904€23k€40k▲
Profit (loss) for the period to be appropriated9905€23k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€153k€192k▲
Profit (loss) brought forward from the previous period14P€130k€153k▲
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
30-09
Financial
Highest result since 2018net €40k ▲76.2%
Operating result €75k, net result €40k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
Financial
Equity above €200kEq €203k ▲12.5%
7 profitable years in a row build equity to €203k.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-09
Financial
Equity above €150kEq €181k ▲27.4%
6 profitable years in a row build equity to €181k.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €100kEq €108k ▲52.1%
4 profitable years in a row build equity to €108k.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
30-09
Financial
Weakest financial yearnet €5k ▼8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Namur
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 la Gare de Naninne(NN) 155100 NamurGround area
3,249 m²
Building footprint
164 m²
Parcel 92095B0150/00L000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0150/00L000 | Wallonia | 3,249 m² | 1 · 164 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.
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DEPE BUILD
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Rik Dries
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BOUWWERKEN DEVOLDER YVAN
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 11,581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2006
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.