White Surface
ActiveWhite Surface has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €-13k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 56% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency96=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.81 against 3.09 in 2024), and 47.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.3%
Return on assets
-6.7%
Age of the figures
11 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€13k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
23 d early
2023
26 d early
2022
3 d early
2021
32 d early
2020
9 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▼ 11.4%
2024 · €113k
2018: €74k
2019: €85k
2020: €137k
2021: €149k
2022: €134k
2023: €115k
2024: €113k
2018 → 2025
Total assets
€192k▼ 9.8%
2024 · €213k
2018: €241k
2019: €221k
2020: €317k
2021: €332k
2022: €293k
2023: €248k
2024: €213k
2018 → 2025
Net result
€-13k▼ 479%
2024 · €-2k
2018: €-3k
2019: €10k
2020: €53k
2021: €12k
2022: €-15k
2023: €10k
2024: €-2k
2018 → 2025
Working capital
€97k▼ 5.2%
2024 · €103k
2018: €81k
2019: €89k
2020: €141k
2021: €132k
2022: €111k
2023: €92k
2024: €103k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€134k▼ 10.2%€115k▼ 14.0%€113k▼ 1.9%€100k▼ 11.4%
Operating result€23k-€-11k€18k€1k▼ 93.4%€-8k
Net result€12k-€-15k€10k€-2k€-13k▼ 479%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€41k▼ 33.1%
Current assets
€151k▼ 0.5%
Equity and liabilities €192k
Equity
€100k▼ 11.4%
Debt
€91k▼ 8.0%
The debt ratio rises from 46.8% to 47.7%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€4k▼
2024 · €21k
Cash flow
€-1k▼
2024 · €17k
Solvency
52.3%▼
2024 · 53.2%
Current ratio
2.81▼
2024 · 3.09
Quick ratio
2.59▼
2024 · 2.90
Debt / equity
0.91▲
2024 · 0.88
ROE
-12.8%▼
2024 · -2.0%
ROA
-6.7%▼
2024 · -1.0%
Interest coverage
0.79▼
2024 · 6.74
Debt
€91k▼
2024 · €99k
Debt ≤ 1 year
€54k▲
2024 · €49k
Debt > 1 year
€38k▼
2024 · €50k
Income taxes
€131▼
2024 · €2k
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€213k€192k▼
Fixed assets21/28€61k€41k▼
Tangible fixed assets22/27€61k€41k▼
Land and buildings22€44k€35k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€2k€2k▼
Leasing and similar rights25€11k€0▼
Current assets29/58€152k€151k▼
Stocks and contracts in progress3€9k€12k▲
Stocks30/36€9k€12k▲
Contracts in progress37€0-
Amounts receivable within one year40/41€26k€47k▲
Trade receivables40€18k€34k▲
Other amounts receivable41€8k€13k▲
Current investments50/53-€4k
Cash at bank and in hand54/58€110k€82k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€213k€192k▼
Equity10/15€113k€100k▼
Contributions10/11€6k€6k=
Reserves13€107k€101k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€107k€101k▼
Profit (loss) carried forward14€0€-7k▼
Amounts payable17/49€99k€91k▼
Amounts payable after more than one year17€50k€38k▼
Financial debts170/4€50k€38k▼
Amounts payable within one year42/48€49k€54k▲
Current portion of amounts payable after more than one year42€15k€13k▼
Financial debts43€3k€6k▲
Credit institutions430/8€3k€6k▲
Trade debts44€25k€29k▲
Suppliers440/4€25k€29k▲
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€1€2▲
Remuneration and social security454/9€2k€7k▲
Other amounts payable47/48€4k€151▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€12k▼
Other operating charges640/8€7k€6k▼
Non-recurring operating charges66A€11k€11k▼
Gross operating margin9900€39k€21k▼
Operating profit (loss)9901€1k€-8k▼
Financial income75/76B€1k€131▼
Recurring financial income75€1k€131▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-552€-13k▼
Income taxes67/77€2k€131▼
Profit (loss) for the period9904€-2k€-13k▼
Profit (loss) for the period to be appropriated9905€-2k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-13k▼
Transfer from equity791/2€2k€6k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (11 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-15k ▼229%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €53k ▲404%
Operating result €87k, net result €53k, both a record.
30-09
Financial
Equity above €100kEq €137k ▲62.5%
2 profitable years in a row build equity to €137k.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
VERSICHELE Alexandre Robert Joseph
CurrentNon-statutory director · since 08-12-2023
08-12-2023
Resigned as Director
08-12-2023
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Poperinge · 1 establishment unit since 2010
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.
Duinkerkestraat 33-358970 PoperingeGround area
676 m²
Building footprint
362 m²
Volume, LiDAR
2,277 m³
Parcel 33021F0726/00L000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Superfloor
since 20102.187.914.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33021F0726/00L000 | Flanders | 676 m² | 1 · 362 m² | 10.3 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
DESMET BART PLEISTERWERKEN
BE 0473.737.508
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PLEISTERWERKEN DEMONIE MAXIM
BE 0788.417.384
Houthulst · Eq €100k
GEBAVEC
BE 0448.537.601
Tessenderlo-Ham · Eq €100k
RJL RENOVATION
BE 0840.684.251
Vorst · Eq €100k
PLEISTERWERKEN VAN GELDORP THOMAS
BE 0644.820.960
Hamont-Achel · Eq €100k
Of 3,987 companies in sector 43310 we hold annual accounts for 1,736. 1,502 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2010
Fiscal year end30-09
Activities, NACEBEL
43310Plastering work
43320Joinery installation
43422Screed work
46190Agents in non-specialised wholesale trade
62020IT consultancy
62200Computer consultancy and computer facilities management
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.