RETRA
ActiveSummary
RETRA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €256,116 and a net result of €16,638. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 36381 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability43▼-39
Solvency100▲+48
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 4.81 against 1.41 in 2023; short-term debt: 20.3% and cash: 4.7% of total assets), and 22.2% of the assets are financed with debt.
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Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
61 d late
2022
31 d late
2021
29 d late
2020
27 d late
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 35 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Financials · fiscal year 2024, micro schema
In the rankings
#7 company by equity in Lessines, Construction sector
Equity
€256,116▲ 1.8%
2023 · €251,477
Total assets
€329,287▼ 64.7%
2023 · €933,136
Net result
€16,638▼ 83.4%
2023 · €100,090
Working capital
€254,596▲ 231%
2023 · €76,962
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€60,552▲ 83.6%€80,757▲ 33.4%€152,028▲ 88.3%€145,572▼ 4.2%€40,868▼ 71.9%
Net result€27,158within the sector's middle half▲ 516%€40,945within the sector's middle half▲ 50.8%€120,251within the sector's middle half▲ 194%€100,090within the sector's middle half▼ 16.8%€16,638within the sector's middle half▼ 83.4%
Equity€114,777within the sector's middle half▲ 31.0%€139,648within the sector's middle half▲ 21.7%€196,388within the sector's middle half▲ 40.6%€251,477within the sector's middle half▲ 28.1%€256,116above the sector's middle half▲ 1.8%
Total assets€921,365within the sector's middle half▼ 6.2%€797,414within the sector's middle half▼ 13.5%€1.0mwithin the sector's middle half▲ 30.5%€933,136within the sector's middle half▼ 10.3%€329,287above the sector's middle half▼ 64.7%
Debt€804,147▼ 9.9%€655,891▼ 18.4%€844,038▲ 28.7%€681,658▼ 19.2%€73,172▼ 89.3%
Working capital€38,754within the sector's middle half▲ 15.7%€51,062within the sector's middle half▲ 31.8%-€7,525below the sector's middle half€76,962within the sector's middle half€254,596above the sector's middle half▲ 231%
Solvency12.5%below the sector's middle half▲ 3.5pp17.5%below the sector's middle half▲ 5.1pp18.9%below the sector's middle half▲ 1.4pp26.9%within the sector's middle half▲ 8.1pp77.8%above the sector's middle half▲ 50.8pp
Current ratio1.14below the sector's middle half▲ 0.041.22within the sector's middle half▲ 0.080.98below the sector's middle half▼ 0.251.41within the sector's middle half▲ 0.434.81above the sector's middle half▲ 3.40
Return on assets (ROA)2.9%within the sector's middle half▲ 2.5pp5.1%within the sector's middle half▲ 2.2pp11.6%within the sector's middle half▲ 6.4pp10.7%within the sector's middle half▼ 0.8pp5.1%within the sector's middle half▼ 5.7pp
Staff (FTE)5.5within the sector's middle half▲ 10.0%3.5within the sector's middle half▼ 36.4%1.7below the sector's middle half▼ 51.4%1below the sector's middle half▼ 41.2%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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; 2024 is 72% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €329,287
Fixed assets
€7,800 ▼ 98.8%
Current assets
€321,488 ▲ 20.5%
Equity and liabilities €329,287
Equity
€256,116 ▲ 1.8%
Debt
€73,172 ▼ 89.3%
Debt's share of the balance-sheet total falls from 73.1% to 22.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46,281▼
2023 · €209,343
Cash flow
€22,051▼
2023 · €163,861
Debt to equity
0.29▼
2023 · 2.71
ROE
6.5%▼
2023 · 39.8%
Interest coverage
2.18▼
2023 · 8.93
Debt ≤ 1 year
€66,891▼
2023 · €189,853
Debt > 1 year
€6,280▼
2023 · €491,421
Income taxes
€3,013▼
2023 · €22,237
Staff costs
-€7,037▼
2023 · €6,677
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,370 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €13,210 | €0 | €127,234 | - |
| Remuneration, social security and pensions62 | - | €126,208 | €73,438 | €6,677 | -€7,037 | ▼ 205% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €90,621 | €92,004 | €137,823 | €63,772 | €5,412 | ▼ 91.5% |
| Other operating charges640/8 | - | €4,909 | €13,758 | €3,285 | €10,099 | ▲ 207% |
| Non-recurring operating charges66A | - | €266 | €32,464 | €376 | €20,842 | ▲ 5,442% |
| Gross operating margin9900 | €355,980 | €304,144 | €409,511 | €219,682 | €70,184 | ▼ 68.1% |
| Operating profit (loss)9901 | €60,552 | €80,757 | €152,028 | €145,572 | €40,868 | ▼ 71.9% |
| Financial income75/76B | - | €3,075 | €1,355 | €198 | €1 | ▼ 99.5% |
| Recurring financial income75 | €2,112 | €3,075 | €1,355 | €198 | €1 | ▼ 99.5% |
| Financial charges65/66B | - | €29,251 | €17,669 | €23,444 | €21,218 | ▼ 9.5% |
| Recurring financial charges65 | €32,960 | €29,251 | €17,669 | €23,444 | €21,218 | ▼ 9.5% |
| Profit (loss) for the period before taxes9903 | €29,704 | €54,581 | €135,713 | €122,326 | €19,651 | ▼ 83.9% |
| Transfer from deferred taxes780 | - | €188 | €1,875 | €0 | - | - |
| Income taxes67/77 | €2,769 | €13,824 | €17,337 | €22,237 | €3,013 | ▼ 86.5% |
| Profit (loss) for the period9904 | €27,158 | €40,945 | €120,251 | €100,090 | €16,638 | ▼ 83.4% |
| Transfer from tax-exempt reserves789 | - | €563 | €5,625 | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €27,686 | €41,508 | €125,876 | €100,090 | €16,638 | ▼ 83.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €921,365 | €797,414 | €1.0m | €933,136 | €329,287 | ▼ 64.7% |
| Fixed assets21/28 | €608,545 | €518,365 | €740,784 | €666,320 | €7,800 | ▼ 98.8% |
| Tangible fixed assets22/27 | €608,545 | €518,365 | €740,784 | €666,320 | €7,800 | ▼ 98.8% |
| Land and buildings22 | - | €388,403 | €648,379 | €625,629 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | €22,977 | €13,044 | €3,051 | €793 | ▼ 74.0% |
| Furniture and vehicles24 | - | €106,986 | €79,361 | €37,640 | €7,007 | ▼ 81.4% |
| Current assets29/58 | €312,820 | €279,049 | €299,642 | €266,816 | €321,488 | ▲ 20.5% |
| Amounts receivable after more than one year29 | - | €46,500 | - | - | - | - |
| Other amounts receivable291 | - | €46,500 | - | - | - | - |
| Stocks and contracts in progress3 | €110,000 | €50,000 | €20,000 | €10,000 | €0 | ▼ 100% |
| Stocks30/36 | - | €50,000 | €20,000 | €10,000 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €111,673 | €158,541 | €132,075 | €222,302 | €299,092 | ▲ 34.5% |
| Trade receivables40 | - | €112,770 | €127,993 | €190,116 | €89,666 | ▼ 52.8% |
| Other amounts receivable41 | - | €45,771 | €4,082 | €32,186 | €209,426 | ▲ 551% |
| Cash at bank and in hand54/58 | €42,313 | €17,865 | €142,128 | €32,192 | €15,372 | ▼ 52.2% |
| Deferred charges and accrued income490/1 | - | €6,143 | €5,439 | €2,321 | €7,023 | ▲ 203% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €921,365 | €797,414 | €1.0m | €933,136 | €329,287 | ▼ 64.7% |
| Equity10/15 | €114,777 | €139,648 | €196,388 | €251,477 | €256,116 | ▲ 1.8% |
| Contributions10/11 | - | €9,000 | €9,000 | €9,000 | €9,000 | = |
| Reserves13 | €105,777 | €130,648 | €187,388 | €242,477 | €247,116 | ▲ 1.9% |
| Non-distributable reserves130/1 | - | €2,500 | - | - | - | - |
| Reserves not available under the articles1311 | - | €2,500 | - | - | - | - |
| Tax-exempt reserves132 | - | €5,625 | - | - | - | - |
| Distributable reserves133 | - | €122,523 | €187,388 | €242,477 | €247,116 | ▲ 1.9% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Provisions and deferred taxes16 | €2,440 | €1,875 | - | - | - | - |
| Deferred taxes168 | - | €1,875 | - | - | - | - |
| Amounts payable17/49 | €804,147 | €655,891 | €844,038 | €681,658 | €73,172 | ▼ 89.3% |
| Amounts payable after more than one year17 | €530,081 | €427,905 | €536,872 | €491,421 | €6,280 | ▼ 98.7% |
| Financial debts170/4 | - | €427,905 | €536,872 | €491,421 | €6,280 | ▼ 98.7% |
| Amounts payable within one year42/48 | €274,066 | €227,986 | €307,167 | €189,853 | €66,891 | ▼ 64.8% |
| Current portion of amounts payable after more than one year42 | - | €102,177 | €55,205 | €45,451 | €20,624 | ▼ 54.6% |
| Trade debts44 | €164,285 | €117,491 | €119,206 | €54,394 | €24,246 | ▼ 55.4% |
| Suppliers440/4 | - | €117,491 | €119,206 | €54,394 | €24,246 | ▼ 55.4% |
| Advances received on contracts in progress46 | - | - | €9,146 | €26,607 | €487 | ▼ 98.2% |
| Taxes, remuneration and social security45 | - | €8,319 | €29,578 | €18,402 | €9,535 | ▼ 48.2% |
| Taxes450/3 | - | €4,715 | €28,098 | €17,337 | €8,470 | ▼ 51.1% |
| Remuneration and social security454/9 | - | €3,604 | €1,480 | €1,065 | €1,065 | = |
| Other amounts payable47/48 | - | - | €94,032 | €45,000 | €12,000 | ▼ 73.3% |
| Accrued charges and deferred income492/3 | - | - | - | €384 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27,158 | €40,945 | €120,251 | €100,090 | €16,638 | ▼ 83.4% |
| + Depreciation and write-downs630 | €90,621 | €92,004 | €137,823 | €63,772 | €5,412 | ▼ 91.5% |
| Operating cash flow (approximation) | €117,778 | €132,949 | €258,074 | €163,861 | €22,051 | ▼ 86.5% |
| Investment in fixed assets (approximation) | - | -€1,824 | -€360,241 | €10,692 | €653,108 | ▲ 6,008% |
| Change in cash | - | -€24,448 | €124,263 | -€109,936 | -€16,820 | ▲ 84.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 4.81
Current ratio from 1.41 to 4.81; short-term debt falls from €189,853 to €66,891.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Equity above €200,000Eq €251,477 ▲28.1%
6 profitable years in a row build equity to €251,477.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €120,251 ▲194%
Operating result €152,028, net result €120,251, both a record.
31-12
Financial
Equity above €150,000Eq €196,388 ▲40.6%
5 profitable years in a row build equity to €196,388.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Equity above €100,000Eq €114,777 ▲31%
3 profitable years in a row build equity to €114,777.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €4,412 ▼64%
Net result drops to €4,412, the lowest in the series; recovery starts the following year.
Show earlier events
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Lessines · 1 establishment unit since 2005
Ground area
6,663 m²
Building footprint
322 m²
Volume, LiDAR
1,650 m³
2 parcels, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RETRA
since 20052.150.246.015
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55012B0914/00D000 | Wallonia | 5,958 m² | - | - |
| 55012B0946/00F000 | Wallonia | 705 m² | 1 · 322 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2022 · 1 entry · 453 EUR awarded · 453 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 453 EUR | 453 EUR |
Recognitions · licences · registrations
Recognised contractor
4 categoriesTIMMER- EN DAKWERKEN D'HOKER PETER BV41915
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,140. 7,106 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-09-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43410Roofing work
Contact
E-mail
info@dakwerkendhoker.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0876202681
Also
9925:BE0876202681
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.