OYAERT PATRICK
ActiveOYAERT PATRICK has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241k and a net result of €18k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 82% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-25
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 3.15 against 4.4 in 2024), and 26.9% 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
73.1%
Return on assets
5.3%
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 · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
33 d early
2023
26 d early
2022
16 d early
2021
24 d early
2020
7 d early
2019
57 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€241k▼ 10.7%
2024 · €270k
2018: €312k
2019: €317k
2020: €243k
2021: €234k
2022: €236k
2023: €252k
2024: €270k
2018 → 2025
Total assets
€330k▲ 0.1%
2024 · €330k
2018: €348k
2019: €365k
2020: €410k
2021: €434k
2022: €305k
2023: €317k
2024: €330k
2018 → 2025
Net result
€18k▼ 46.7%
2024 · €33k
2018: €28k
2019: €15k
2020: €46k
2021: €25k
2022: €24k
2023: €43k
2024: €33k
2018 → 2025
Working capital
€187k▼ 7.5%
2024 · €202k
2018: €145k
2019: €169k
2020: €91k
2021: €96k
2022: €92k
2023: €119k
2024: €202k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€236k▲ 1.2%€252k▲ 6.6%€270k▲ 7.2%€241k▼ 10.7%
Operating result€35k-€30k▼ 14.8%€59k▲ 96.3%€44k▼ 25.5%€24k▼ 45.7%
Net result€25k-€24k▼ 4.2%€43k▲ 79.3%€33k▼ 22.5%€18k▼ 46.7%
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 has fallen two years in a row; 2025 is 46% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €330k
Fixed assets
€56k▼ 17.3%
Current assets
€274k▲ 4.7%
Equity and liabilities €330k
Equity
€241k▼ 10.7%
Debt
€89k▲ 49.5%
The debt ratio rises from 18.0% to 26.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€37k▼
2024 · €58k
Cash flow
€31k▼
2024 · €48k
Solvency
73.1%▼
2024 · 82.0%
Current ratio
3.15▼
2024 · 4.40
Quick ratio
3.15▼
2024 · 4.40
Debt / equity
0.37▲
2024 · 0.22
ROE
7.3%▼
2024 · 12.2%
ROA
5.3%▼
2024 · 10.0%
Interest coverage
282.95▼
2024 · 429.64
Debt
€89k▲
2024 · €59k
Debt ≤ 1 year
€87k▲
2024 · €59k
Income taxes
€7k▼
2024 · €12k
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€330k€330k▲
Fixed assets21/28€68k€56k▼
Tangible fixed assets22/27€68k€56k▼
Land and buildings22€14k€12k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€2k-
Leasing and similar rights25€38k€33k▼
Current assets29/58€261k€274k▲
Amounts receivable within one year40/41€22k€12k▼
Trade receivables40€22k€5k▼
Other amounts receivable41€226€8k▲
Current investments50/53€67k€69k▲
Cash at bank and in hand54/58€171k€191k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€330k€330k▲
Equity10/15€270k€241k▼
Contributions10/11€88k€88k=
Outside capital11€88k€88k=
Other1109/19€88k€88k=
Reserves13€182k€153k▼
Distributable reserves133€182k€153k▼
Amounts payable17/49€59k€89k▲
Amounts payable within one year42/48€59k€87k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€12k€6k▼
Taxes450/3€8k€2k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€46k€78k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€13k▼
Other operating charges640/8€442€422▼
Gross operating margin9900€59k€37k▼
Operating profit (loss)9901€44k€24k▼
Financial income75/76B€2k€544▼
Recurring financial income75€2k€544▼
Financial charges65/66B€135€130▼
Recurring financial charges65€135€130▼
Profit (loss) for the period before taxes9903€45k€24k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€33k€18k▼
Profit (loss) for the period to be appropriated9905€33k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€18k▼
Transfer from equity791/2€15k€47k▲
Transfer to equity691/2€33k€18k▼
To other reserves6921€33k€18k▼
Profit to be distributed694/7€15k€47k▲
Return on contributions (dividend)694€15k€47k▲
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €46k ▲206%
Operating result €63k, net result €46k, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 57 days late
2019
31-12
Financial
Weakest financial yearnet €15k ▼45.6%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Koksijde · 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.
Wulpendammestraat(Wul) 58670 KoksijdeGround area
724 m²
Building footprint
214 m²
Volume, LiDAR
605 m³
Parcel 38027B0308/00S000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PLEISTERWERKEN OYAERT PATRICK
since 20092.178.313.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38027B0308/00S000 | Flanders | 724 m² | 1 · 214 m² | 9.9 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600T8J6P7TR3Z0A69
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Of 3,987 companies in sector 43310 we hold annual accounts for 1,737. 1,297 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2009
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.