Thomas dekeyser
ActiveThe computed 12-month bankruptcy probability of Thomas dekeyser is 1.7% (moderate). The 2025 annual accounts show equity of €245k and a net result of €124k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 41% of 27711 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+18
Solvency64▼-11
Growth68▲+16
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.84 in 2024; short-term debt: 49.9% and cash: 49.6% of total assets), and 61.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 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
38.9%
Return on assets
19.6%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
17 d early
2024
6 d early
2023
9 d early
2022
21 d late
2021
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€245k▼ 9.0%
2024 · €269k
2021: €245k
2022: €280k
2023: €413k
2024: €269k
2021 → 2025
Total assets
€630k▲ 16.7%
2024 · €540k
2021: €477k
2022: €502k
2023: €725k
2024: €540k
2021 → 2025
Net result
€124k▲ 395%
2024 · €25k
2021: €82k
2022: €46k
2023: €134k
2024: €25k
2021 → 2025
Working capital
€104k▼ 32.2%
2024 · €153k
2021: €135k
2022: €153k
2023: €472k
2024: €153k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€245k-€280k▲ 14.3%€413k▲ 47.5%€269k▼ 34.8%€245k▼ 9.0%
Operating result€116k-€60k▼ 48.3%€180k▲ 201%€36k▼ 80.0%€163k▲ 354%
Net result€82k-€46k▼ 43.9%€134k▲ 192%€25k▼ 81.3%€124k▲ 395%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 354% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €630k
Fixed assets
€212k▲ 3.4%
Current assets
€418k▲ 24.8%
Equity and liabilities €630k
Equity
€245k▼ 9.0%
Debt
€385k▲ 42.1%
The debt ratio rises from 50.2% to 61.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€187k▲
2024 · €57k
Cash flow
€148k▲
2024 · €46k
Solvency
38.9%▼
2024 · 49.8%
Current ratio
1.33▼
2024 · 1.84
Quick ratio
1.19▼
2024 · 1.58
Debt / equity
1.57▲
2024 · 1.01
ROE
50.5%▲
2024 · 9.3%
ROA
19.6%▲
2024 · 4.6%
Interest coverage
54.41▲
2024 · 13.33
Debt
€385k▲
2024 · €271k
Debt ≤ 1 year
€314k▲
2024 · €182k
Debt > 1 year
€71k▼
2024 · €88k
Income taxes
€36k▲
2024 · €7k
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€540k€630k▲
Fixed assets21/28€205k€212k▲
Tangible fixed assets22/27€205k€212k▲
Land and buildings22€178k€167k▼
Plant, machinery and equipment23€12k€16k▲
Furniture and vehicles24€15k€29k▲
Current assets29/58€335k€418k▲
Stocks and contracts in progress3€47k€45k▼
Stocks30/36€47k€45k▼
Amounts receivable within one year40/41€118k€54k▼
Trade receivables40€86k€54k▼
Other amounts receivable41€32k€0▼
Cash at bank and in hand54/58€163k€312k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€540k€630k▲
Equity10/15€269k€245k▼
Contributions10/11€1k€1k=
Reserves13€268k€244k▼
Distributable reserves133€268k€244k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€271k€385k▲
Amounts payable after more than one year17€88k€71k▼
Financial debts170/4€88k€71k▼
Amounts payable within one year42/48€182k€314k▲
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€24k€8k▼
Suppliers440/4€24k€8k▼
Taxes, remuneration and social security45€919€3k▲
Taxes450/3€919€3k▲
Other amounts payable47/48€140k€286k▲
Accrued charges and deferred income492/3€836€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€24k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€59k€190k▲
Operating profit (loss)9901€36k€163k▲
Financial income75/76B€140€92▼
Recurring financial income75€140€92▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€32k€160k▲
Income taxes67/77€7k€36k▲
Profit (loss) for the period9904€25k€124k▲
Profit (loss) for the period to be appropriated9905€25k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€124k▲
Transfer from equity791/2€168k€24k▼
Transfer to equity691/2€24k€0▼
To other reserves6921€24k€0▼
Profit to be distributed694/7€169k€148k▼
Return on contributions (dividend)694€169k€148k▼
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €25k ▼81.3%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €134k ▲192%
Operating result €180k, net result €134k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 9.35
Current ratio from 2.54 to 9.35; short-term debt falls from €99k to €57k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Wichelen · 1 establishment unit since 2018
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.
H. Geeststraat 2A9260 WichelenGround area
1,804 m²
Building footprint
294 m²
Volume, LiDAR
1,652 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Thomas dekeyser
since 20182.282.405.347
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42020E0073/00B000 | Flanders | 1,038 m² | 1 · 158 m² | 7.4 m · 2 fl. |
| 42020E0074/00D000 | Flanders | 765 m² | 1 · 136 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 to 2023 · 2 entries · 112 EUR awarded · 337 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 225 EUR |
| 2022 | 1 | 112 EUR | 112 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,042 companies in sector 43221 we hold annual accounts for 3,471. 2,794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2018
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43211General electrical installation work
43230Insulation installation
43291Specialised construction activities
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
1 entryE-mail:dekeyser.hvac@gmail.com