VAN DE LOCHT GUY
ActiveVAN DE LOCHT GUY has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.56M and a net result of €374k. Equity is shrinking by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 2149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+3
Solvency66▲+6
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity tight (current ratio 1.5 against 1.41 in 2024), and 64.9% 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 41
Relative position
BE, all sectors
reference
Sector 41
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 dateAge against the risk zone
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
35.1%
Return on assets
5.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
35 d early
2023
21 d early
2022
31 d late
2021
30 d late
2020
6 d late
2019
28 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.56M▲ 17.1%
2024 · €2.18M
2018: €3.05M
2019: €3.47M
2020: €3.89M
2021: €4.07M
2022: €3.73M
2023: €3.31M
2024: €2.18M
2018 → 2025
Total assets
€7.29M▲ 7.4%
2024 · €6.79M
2018: €4.79M
2019: €5.26M
2020: €6.37M
2021: €7.46M
2022: €7.43M
2023: €6.39M
2024: €6.79M
2018 → 2025
Net result
€374k▲ 22.9%
2024 · €304k
2018: €470k
2019: €419k
2020: €421k
2021: €177k
2022: €200k
2023: €117k
2024: €304k
2018 → 2025
Working capital
€1.73M▲ 31.7%
2024 · €1.31M
2018: €2.97M
2019: €3.17M
2020: €3.37M
2021: €3.17M
2022: €3.11M
2023: €2.55M
2024: €1.31M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.07M-€3.73M▼ 8.4%€3.31M▼ 11.1%€2.18M▼ 34.1%€2.56M▲ 17.1%
Operating result€254k-€272k▲ 6.8%€196k▼ 27.8%€404k▲ 106%€591k▲ 46.3%
Net result€177k-€200k▲ 13.2%€117k▼ 41.3%€304k▲ 159%€374k▲ 22.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 46% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.29M
Fixed assets
€2.07M▼ 7.9%
Current assets
€5.22M▲ 14.9%
Equity and liabilities €7.29M
Equity
€2.56M▲ 17.1%
Debt
€4.73M▲ 2.7%
The debt ratio falls from 67.9% to 64.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€820k▲
2024 · €614k
Cash flow
€603k▲
2024 · €514k
Solvency
35.1%▲
2024 · 32.1%
Current ratio
1.50▲
2024 · 1.41
Quick ratio
1.45▲
2024 · 1.37
Debt / equity
1.85▼
2024 · 2.11
ROE
14.6%▲
2024 · 13.9%
ROA
5.1%▲
2024 · 4.5%
Interest coverage
21.29▲
2024 · -13.22
Debt
€4.73M▲
2024 · €4.61M
Debt ≤ 1 year
€3.49M▲
2024 · €3.23M
Debt > 1 year
€1.25M▼
2024 · €1.38M
Income taxes
€182k▲
2024 · €157k
Staff costs
€861k▼
2024 · €862k
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€6.79M€7.29M▲
Fixed assets21/28€2.25M€2.07M▼
Tangible fixed assets22/27€2.24M€2.06M▼
Land and buildings22€1.95M€1.85M▼
Plant, machinery and equipment23€38k€31k▼
Furniture and vehicles24€130k€123k▼
Leasing and similar rights25€114k€53k▼
Financial fixed assets28€11k€11k▲
Current assets29/58€4.54M€5.22M▲
Stocks and contracts in progress3€135k€154k▲
Stocks30/36€35k€54k▲
Contracts in progress37€100k€100k=
Amounts receivable within one year40/41€2.48M€2.85M▲
Trade receivables40€2.29M€2.66M▲
Other amounts receivable41€182k€185k▲
Current investments50/53€9k-
Cash at bank and in hand54/58€1.90M€2.19M▲
Deferred charges and accrued income490/1€18k€24k▲
Equity and liabilities
Total equity and liabilities10/49€6.79M€7.29M▲
Equity10/15€2.18M€2.56M▲
Contributions10/11€20k€20k=
Reserves13€2.16M€2.54M▲
Tax-exempt reserves132€38k€38k=
Distributable reserves133€2.12M€2.50M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€4.61M€4.73M▲
Amounts payable after more than one year17€1.38M€1.25M▼
Financial debts170/4€1.38M€1.25M▼
Amounts payable within one year42/48€3.23M€3.49M▲
Current portion of amounts payable after more than one year42€201k€142k▼
Financial debts43-€59k
Credit institutions430/8-€59k
Trade debts44€1.10M€1.39M▲
Suppliers440/4€1.10M€1.39M▲
Taxes, remuneration and social security45€173k€158k▼
Taxes450/3€54k€86k▲
Remuneration and social security454/9€119k€72k▼
Other amounts payable47/48€1.75M€1.74M▼
Income statement
Code20242025
Non-recurring operating income76A€5k€175▼
Remuneration, social security and pensions62€862k€861k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€210k€229k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€58k€-10k▼
Other operating charges640/8€75k€35k▼
Non-recurring operating charges66A€13k€0▼
Gross operating margin9900€1.62M€1.71M▲
Operating profit (loss)9901€404k€591k▲
Financial income75/76B€10k€3k▼
Recurring financial income75€10k€3k▼
Financial charges65/66B€-46k€39k▲
Recurring financial charges65€-46k€39k▲
Profit (loss) for the period before taxes9903€461k€556k▲
Income taxes67/77€157k€182k▲
Profit (loss) for the period9904€304k€374k▲
Profit (loss) for the period to be appropriated9905€304k€374k▲
Appropriation of the result
Profit (loss) to be appropriated9906€304k€374k▲
Transfer from equity791/2€1.44M€0▼
Transfer to equity691/2€304k€374k▲
To other reserves6921€304k€374k▲
Profit to be distributed694/7€1.44M€0▼
Return on contributions (dividend)694€1.44M€0▼
Social balance
Average headcount (FTE)908715.813.4▼
The notes to these accounts (19 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €117k ▼41.3%
Net result drops to €117k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 6 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 9 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hoogstraten · 1 establishment unit since 2000
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.
Putten 62320 HoogstratenGround area
7,813 m²
Building footprint
3,718 m²
Volume, LiDAR
3,973 m³
Parcel 13014F0267/00A000, Flanders · tallest building 8.4 m. Linked by address, not a title deed.
1 establishment unit
Putten 6, 2320 Hoogstraten
since 20002.097.270.256
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014F0267/00A000 | Flanders | 7,813 m² | 1 · 3,718 m² | 8.4 m |
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
2022 to 2025 · 3 entries · 1,438 EUR awarded · 1,376 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 616 EUR |
| 2024 | 1 | 1,376 EUR | 760 EUR |
| 2022 | 1 | 62 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
SMEKENS
BE 0433.034.823
Dentergem · Eq €2.55M
Magazijnen Prima
BE 0403.613.733
Heist-op-den-Berg · Eq €2.56M
CREATO KEUKENS
BE 0891.555.803
Kortrijk · Eq €2.56M
BOUWWERKEN JACOBS INDUSTRIEBOUW I3
BE 0416.684.086
Oudsbergen · Eq €2.57M
IMMOBILIERE BLAIRON ET CIE
BE 0442.676.227
Binche · Eq €2.53M
Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 3,332 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2000
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.