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'T DAK

Active
Private limited company (pre-2019)founded 200818 yrs activeDen Dries 4, 3840 Tongeren-Borgloon, BelgiumKBO/BCE: BE 0896.781.430

'T DAK has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €955. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
67 / 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
Profitability70▼-1
Solvency79▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.81 in 2024; short-term debt: 46% and cash: 12.2% of total assets), and 46% 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 riskneutral
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 18 years 0 20 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
54%
Return on assets
0.9%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
8 d early
2023
14 d late
2022
18 d late
2021
13 d early
2020
75 d late
2019
4 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 months
Position in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€57k▲ 1.7%
2024 · €56k
2018: €41k 2019: €46k 2020: €47k 2021: €47k 2022: €54k 2023: €54k 2024: €56k
2018 → 2025
Total assets
€105k▼ 1.5%
2024 · €107k
2018: €83k 2019: €67k 2020: €60k 2021: €86k 2022: €118k 2023: €84k 2024: €107k
2018 → 2025
Net result
€955▼ 54.6%
2024 · €2k
2018: €2k 2019: €5k 2020: €487 2021: €424 2022: €7k 2023: €279 2024: €2k
2018 → 2025
Working capital
€42k▲ 1.6%
2024 · €41k
2018: €35k 2019: €45k 2020: €47k 2021: €51k 2022: €48k 2023: €33k 2024: €41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€47k-€54k▲ 14.3%€54k▲ 0.5%€56k▲ 3.9%€57k▲ 1.7%
Operating result€1k-€10k▲ 676%€706▼ 93.1%€4k▲ 408%€2k▼ 56.3%
Net result€424-€7k▲ 1,484%€279▼ 95.8%€2k▲ 654%€955▼ 54.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5k€10kOperating result 2021: €1k€1kNet result 2021: €424€424Operating result 2022: €10k€10kNet result 2022: €7k€7kOperating result 2023: €706€706Net result 2023: €279€279Operating result 2024: €4k€4kNet result 2024: €2k€2kOperating result 2025: €2k€2kNet result 2025: €955€95520212022202320242025
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets €15k▲ 2.0%
Current assets €91k▼ 2.0%
Equity and liabilities €105k
Equity €57k▲ 1.7%
Debt €48k▼ 4.9%
The debt ratio falls from 47.6% to 46.0%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€7k
2024 · €10k
Cash flow
€6k
2024 · €9k
Solvency
54.0%
2024 · 52.4%
Current ratio
1.87
2024 · 1.81
Quick ratio
1.66
2024 · 1.22
Debt / equity
0.85
2024 · 0.91
ROE
1.7%
2024 · 3.8%
ROA
0.9%
2024 · 2.0%
Interest coverage
15.46
2024 · 20.74
Debt
€48k
2024 · €51k
Debt ≤ 1 year
€48k
2024 · €51k
Income taxes
€338
2024 · €1k
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€107k€105k
Fixed assets21/28€15k€15k
Intangible fixed assets21€14k€10k
Tangible fixed assets22/27€679€5k
Plant, machinery and equipment23€221€110
Furniture and vehicles24€458€5k
Current assets29/58€92k€91k
Stocks and contracts in progress3€30k€10k
Stocks30/36€30k€10k
Amounts receivable within one year40/41€44k€67k
Trade receivables40€41k€67k
Other amounts receivable41€3k-
Cash at bank and in hand54/58€15k€13k
Deferred charges and accrued income490/1€3k€968
Equity and liabilities
Total equity and liabilities10/49€107k€105k
Equity10/15€56k€57k
Contributions10/11€12k€12k=
Reserves13€44k€45k
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€42k€43k
Amounts payable17/49€51k€48k
Amounts payable within one year42/48€51k€48k
Trade debts44€7k€2k
Suppliers440/4€7k€2k
Taxes, remuneration and social security45€927€4k
Taxes450/3€927€4k
Other amounts payable47/48€43k€43k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k
Other operating charges640/8€1k€745
Gross operating margin9900€11k€8k
Operating profit (loss)9901€4k€2k
Financial income75/76B€8€177
Recurring financial income75€8€177
Financial charges65/66B€484€451
Recurring financial charges65€484€451
Profit (loss) for the period before taxes9903€3k€1k
Income taxes67/77€1k€338
Profit (loss) for the period9904€2k€955
Profit (loss) for the period to be appropriated9905€2k€955
Appropriation of the result
Profit (loss) to be appropriated9906€2k€955
Transfer to equity691/2€2k€955
To other reserves6921€2k€955

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial Weakest financial yearnet €279 ▼95.8%
Net result drops to €279, the lowest in the series; recovery starts the following year.
18-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial Highest result since 2018net €7k ▲1484%
Operating result €10k, net result €7k, both a record.
18-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
14-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 75 days late
2020
31-12
Financial Liquidity doublescurrent ratio 8.71
Current ratio from 4.19 to 8.71; short-term debt falls from €14k to €6k.
27-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Liquidity doublescurrent ratio 4.19
Current ratio from 2.01 to 4.19; short-term debt falls from €35k to €14k.
04-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
18-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 18 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, Tongeren-Borgloon · 1 establishment unit since 2008
establishment The establishment unit on the map
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.

Den Dries 43840 Tongeren-Borgloon
Ground area
2,088 m²
Building footprint
230 m²
Volume, LiDAR
1,261 m³
Parcel 73025A0062/00R000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
'T DAK BVBA
Den Dries 4, 3840 Tongeren-BorgloonBricklaying and masonry work
since 20082.170.471.802
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73025A0062/00R000 Flanders 2,088 m² 1 · 230 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.

Similar companies · same sector, comparable size

Of 8,562 companies in sector 43410 we hold annual accounts for 4,354. 3,714 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company (pre-2019)
Founded26-03-2008
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.