MAISONS DUVAL
ActiveMAISONS DUVAL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €239k and a net result of €15k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 7311 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+31
Solvency100=
Growth50=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 13.94 against 3.89 in 2024), and 8.6% 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 · 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
91.4%
Return on assets
5.6%
Age of the figures
8 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 · 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
1 d early
2023
9 d early
2022
28 d late
2021
25 d late
2020
31 d late
2019
25 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€496k▲ 19.3%
2019 · €416k
2018: €459k
2019: €416k
2018 → 2020
EBIT margin
10.2%▲ 4.5pp
2019 · 5.7%
2018: 9.7%
2019: 5.7%
2018 → 2020
Net result
€15k
2024 · €-35k
2018: €42k
2019: €20k
2020: €43k
2021: €18k
2022: €40k
2023: €17k
2024: €-35k
2018 → 2025
Working capital
€77k▲ 75.6%
2024 · €44k
2018: €5k
2019: €-3k
2020: €7k
2021: €20k
2022: €9k
2023: €55k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€202k-€242k▲ 19.5%€259k▲ 7.0%€224k▼ 13.4%€239k▲ 6.5%
Operating result€24k-€45k▲ 86.5%€28k▼ 37.6%€-37k€23k
Net result€18k-€40k▲ 120%€17k▼ 56.9%€-35k€15k
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: €23k after a loss of €37k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €262k
Fixed assets
€178k▼ 5.3%
Current assets
€83k▲ 40.5%
Equity and liabilities €262k
Equity
€239k▲ 6.5%
Provisions
€15k▲ 90.3%
Debt
€7k▼ 51.2%
The debt ratio falls from 6.2% to 2.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€87k▲
2024 · €29k
Cash flow
€79k▲
2024 · €31k
Solvency
91.4%▲
2024 · 90.6%
Current ratio
13.94▲
2024 · 3.89
Quick ratio
13.54▲
2024 · 3.69
Debt / equity
0.03▼
2024 · 0.07
ROE
6.1%▲
2024 · -15.5%
ROA
5.6%▲
2024 · -14.0%
Interest coverage
78.25▲
2024 · 19.25
Debt
€7k▼
2024 · €15k
Debt ≤ 1 year
€6k▼
2024 · €15k
Staff costs
€57k▼
2024 · €79k
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€248k€262k▲
Fixed assets21/28€188k€178k▼
Tangible fixed assets22/27€188k€178k▼
Land and buildings22€13k-
Plant, machinery and equipment23€155k€105k▼
Furniture and vehicles24€20k€73k▲
Financial fixed assets28€630€630=
Current assets29/58€59k€83k▲
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€42k€62k▲
Trade receivables40€27k€54k▲
Other amounts receivable41€15k€8k▼
Cash at bank and in hand54/58€6k€16k▲
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€248k€262k▲
Equity10/15€224k€239k▲
Contributions10/11€75k€75k=
Reserves13€2k€24k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132-€22k
Profit (loss) carried forward14€148k€141k▼
Provisions and deferred taxes16€8k€15k▲
Provisions for liabilities and charges160/5€8k€8k=
Environmental obligations163€8k€8k=
Deferred taxes168-€7k
Amounts payable17/49€15k€7k▼
Amounts payable within one year42/48€15k€6k▼
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€3k€238▼
Remuneration and social security454/9€3k€238▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A€1k-
Remuneration, social security and pensions62€79k€57k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€65k▼
Other operating charges640/8€8k€2k▼
Non-recurring operating charges66A€99-
Gross operating margin9900€117k€146k▲
Operating profit (loss)9901€-37k€23k▲
Financial income75/76B€3k€162▼
Recurring financial income75€3k€162▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-35k€22k▲
Transfer from deferred taxes780-€800
Transfer to deferred taxes680-€8k
Income taxes67/77€-585-
Profit (loss) for the period9904€-35k€15k▲
Transfer from tax-exempt reserves789-€2k
Transfer to tax-exempt reserves689-€24k
Profit (loss) for the period to be appropriated9905€-35k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€148k€141k▼
Profit (loss) brought forward from the previous period14P€182k€148k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 13.94
Current ratio from 3.89 to 13.94; short-term debt falls from €15k to €6k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-35k ▼304%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.65
Current ratio from 1.07 to 2.65; short-term debt falls from €128k to €33k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €200kEq €202k ▲9.7%
4 profitable years in a row build equity to €202k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €43k ▲117%
Operating result €50k, net result €43k, both a record.
31-12
Financial
Equity above €150kEq €184k ▲113%
3 profitable years in a row build equity to €184k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 51 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2015
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2015
Resigned as Director (executive)
Location & real-estate footprint
Registered office, Couvin · 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 la Ramée, C.-des-S. 285660 CouvinGround area
469 m²
Building footprint
164 m²
Parcel 93015F0288/00S000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MAISONS DUVAL
since 20092.181.236.030
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93015F0288/00S000 | Wallonia | 469 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.
Similar companies · same sector, comparable size
B. BERISHA REAL ESTATE
BE 0791.196.831
Sint-Truiden · Eq €239k
HERMANN R & S
BE 0825.379.631
Sankt Vith · Eq €239k
YOUNG BUILDING PROJECTS
BE 0887.108.451
Vilvoorde · Eq €239k
B&A CONCEPT
BE 0697.853.137
Liège · Eq €239k
GORRENS D
BE 0892.629.929
Rijkevorsel · Eq €239k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 11,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.