NDM dakexpert
ActiveNDM dakexpert has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €101k. Its solvency ranks better than 46% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency65▼-3
Growth78
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 5.08 in 2024; short-term debt: 17.7% and cash: 15.6% of total assets), but 60.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
39.5%
Return on assets
35.3%
Age of the figures
9 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
53 d early
2024
87 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 11.1%
2024 · €101k
2024: €101k
2024 → 2025
Total assets
€285k▲ 21.9%
2024 · €234k
2024: €234k
2024 → 2025
Net result
€101k▲ 106%
2024 · €49k
2024: €49k
2024 → 2025
Working capital
€100k▼ 35.5%
2024 · €155k
2024: €155k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€101k-€113k▲ 11.1%
Operating result€68k-€137k▲ 101%
Net result€49k-€101k▲ 106%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 101% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€135k▲ 231%
Current assets
€151k▼ 22.1%
Equity and liabilities €285k
Equity
€113k▲ 11.1%
Debt
€172k▲ 30.1%
The debt ratio rises from 56.6% to 60.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€169k▲
2024 · €73k
Cash flow
€133k▲
2024 · €54k
Solvency
39.5%▼
2024 · 43.4%
Current ratio
2.99▼
2024 · 5.08
Quick ratio
2.99▼
2024 · 5.08
Debt / equity
1.53▲
2024 · 1.31
ROE
89.4%▲
2024 · 48.2%
ROA
35.3%▲
2024 · 20.9%
Interest coverage
37.52▼
2024 · 42.34
Debt
€172k▲
2024 · €132k
Debt ≤ 1 year
€50k▲
2024 · €38k
Debt > 1 year
€81k▲
2024 · €70k
Income taxes
€34k▲
2024 · €18k
Staff costs
€130k▲
2024 · €17k
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€234k€285k▲
Fixed assets21/28€41k€135k▲
Tangible fixed assets22/27€41k€135k▲
Plant, machinery and equipment23€7k€18k▲
Furniture and vehicles24€32k€116k▲
Other tangible fixed assets26€1k€937▼
Current assets29/58€193k€151k▼
Amounts receivable within one year40/41€9k€18k▲
Trade receivables40€4k€8k▲
Other amounts receivable41€5k€9k▲
Current investments50/53€159k€85k▼
Cash at bank and in hand54/58€18k€45k▲
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€234k€285k▲
Equity10/15€101k€113k▲
Contributions10/11€12k€12k=
Reserves13€89k€101k▲
Distributable reserves133€89k€101k▲
Amounts payable17/49€132k€172k▲
Amounts payable after more than one year17€70k€81k▲
Financial debts170/4€70k€81k▲
Amounts payable within one year42/48€38k€50k▲
Current portion of amounts payable after more than one year42€17k€25k▲
Trade debts44€6k€14k▲
Suppliers440/4€6k€14k▲
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€11k€10k▼
Other amounts payable47/48€3k€788▼
Accrued charges and deferred income492/3€25k€41k▲
Income statement
Code20242025
Non-recurring operating income76A€5k-
Remuneration, social security and pensions62€17k€130k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€32k▲
Other operating charges640/8€2k€9k▲
Non-recurring operating charges66A€249-
Gross operating margin9900€93k€308k▲
Operating profit (loss)9901€68k€137k▲
Financial income75/76B€461€3k▲
Recurring financial income75€461€3k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€67k€135k▲
Income taxes67/77€18k€34k▲
Profit (loss) for the period9904€49k€101k▲
Profit (loss) for the period to be appropriated9905€49k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€101k▲
Transfer from equity791/2€12k€89k▲
Transfer to equity691/2€48k€101k▲
To other reserves6921€48k€101k▲
Profit to be distributed694/7€13k€89k▲
Return on contributions (dividend)694€13k€89k▲
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2017
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.
Groenstraat 2729041 GentGround area
615 m²
Building footprint
83 m²
Volume, LiDAR
479 m³
Parcel 44051B1179/00H000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BRRY Construct Com V
since 20172.263.018.215
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051B1179/00H000 | Flanders | 615 m² | 1 · 83 m² | 8.1 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 391 EUR awarded · 344 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 296 EUR | 344 EUR |
| 2024 | 1 | 95 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,038 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43410Roofing work
43994Specialised construction activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.