MARC DHAENE
ActiveMARC DHAENE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €976k and a net result of €-30k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
66
/ 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
Profitability16▼-53
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 22.81 against 38.57 in 2024; short-term debt: 1.8% and cash: 17.2% of total assets), and 17.4% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
82.6%
Return on assets
-2.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
26 d late
2023
27 d late
2022
25 d late
2021
11 d early
2020
31 d late
2019
8 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, abbreviated schema
Equity
€976k▼ 3.0%
2024 · €1.01M
2018: €682k
2019: €711k
2020: €759k
2021: €804k
2022: €919k
2023: €1.00M
2024: €1.01M
2018 → 2025
Total assets
€1.18M▼ 2.7%
2024 · €1.21M
2018: €729k
2019: €761k
2020: €767k
2021: €1.13M
2022: €1.21M
2023: €1.30M
2024: €1.21M
2018 → 2025
Net result
€-30k
2024 · €954
2018: €48k
2019: €29k
2020: €48k
2021: €46k
2022: €114k
2023: €86k
2024: €954
2018 → 2025
Working capital
€472k▼ 1.3%
2024 · €478k
2018: €547k
2019: €611k
2020: €682k
2021: €539k
2022: €509k
2023: €463k
2024: €478k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€804k-€919k▲ 14.2%€1.00M▲ 9.4%€1.01M▲ 0.1%€976k▼ 3.0%
Operating result€78k-€129k▲ 65.2%€142k▲ 9.4%€1k▼ 99.1%€-40k
Net result€46k-€114k▲ 150%€86k▼ 24.4%€954▼ 98.9%€-30k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €40k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€689k▼ 4.9%
Current assets
€493k▲ 0.5%
Equity and liabilities €1.18M
Equity
€976k▼ 3.0%
Debt
€206k▼ 1.4%
The debt ratio rises from 17.2% to 17.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €16k
Cash flow
€6k▼
2024 · €16k
Solvency
82.6%▼
2024 · 82.8%
Current ratio
22.81▼
2024 · 38.57
Quick ratio
22.80▼
2024 · 38.55
Debt / equity
0.21▲
2024 · 0.21
ROE
-3.0%▼
2024 · 0.1%
ROA
-2.5%▼
2024 · 0.1%
Interest coverage
-1.88▼
2024 · 6.54
Debt
€206k▼
2024 · €209k
Debt ≤ 1 year
€22k▲
2024 · €13k
Debt > 1 year
€184k▼
2024 · €196k
Income taxes
€-6k
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€1.21M€1.18M▼
Fixed assets21/28€724k€689k▼
Tangible fixed assets22/27€724k€689k▼
Land and buildings22€672k€653k▼
Furniture and vehicles24€52k€35k▼
Current assets29/58€491k€493k▲
Stocks and contracts in progress3€250€250=
Stocks30/36€250€250=
Amounts receivable within one year40/41€30k€30k▲
Trade receivables40€7k€5k▼
Other amounts receivable41€23k€25k▲
Current investments50/53€415k€260k▼
Cash at bank and in hand54/58€46k€203k▲
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.18M▼
Equity10/15€1.01M€976k▼
Contributions10/11€31k€31k=
Capital10€31k€31k=
Issued capital100€31k€31k=
Reserves13€75k€75k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€43k€43k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€900k€870k▼
Amounts payable17/49€209k€206k▼
Amounts payable after more than one year17€196k€184k▼
Financial debts170/4€196k€184k▼
Amounts payable within one year42/48€13k€22k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€928€7k▲
Suppliers440/4€928€7k▲
Other amounts payable47/48-€3k
Income statement
Code20242025
Non-recurring operating income76A€26k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€35k▲
Other operating charges640/8€5k€2k▼
Operating charges capitalised as restructuring costs649€0-
Gross operating margin9900€21k€-2k▼
Operating profit (loss)9901€1k€-40k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€954€-36k▼
Income taxes67/77-€-6k
Profit (loss) for the period9904€954€-30k▼
Profit (loss) for the period to be appropriated9905€954€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€900k€870k▼
Profit (loss) brought forward from the previous period14P€899k€900k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-30k ▼3212%
Net result drops to €-30k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Liquidity times 6current ratio 38.57
Current ratio from 6.60 to 38.57; short-term debt falls from €83k to €13k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €1MEq €1.00M ▲9.4%
6 profitable years in a row build equity to €1.00M.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Highest result since 2018net €114k ▲150%
Net result €114k, the highest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Liquidity times 6current ratio 81.62
Current ratio from 13.27 to 81.62; short-term debt falls from €50k to €8k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 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, Deinze · 1 establishment unit since 1993
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.
Beekstraat 989800 DeinzeGround area
1,086 m²
Building footprint
197 m²
Volume, LiDAR
915 m³
Parcel 44004A0273/00T000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Beekstraat 98, 9800 Deinze
since 19932.062.211.981
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004A0273/00T000 | Flanders | 1,086 m² | 1 · 197 m² | 6.7 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.
Similar companies · same sector, comparable size
ATECS
BE 0673.715.676
Saint-Georges-sur-Meuse · Eq €976k
VANOOST-CUVELIER
BE 0842.132.026
Poperinge · Eq €977k
GARAGE DETOURNAY
BE 0469.977.074
Halle · Eq €975k
E. DE SMEDT
BE 0830.134.710
Dendermonde · Eq €978k
GARAGE ANNEZ
BE 0461.339.720
Waterloo · Eq €974k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 2,984 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-02-1993
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50200
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.