Zwembaden Dieter Devisch
ActiveThe computed 12-month bankruptcy probability of Zwembaden Dieter Devisch is 1.5% (moderate). The 2025 annual accounts show equity of €236k and a net result of €51k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 982 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+8
Solvency73▲+1
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.95 in 2024; short-term debt: 35.4% and cash: 23.7% of total assets), but 51.5% 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 42
Relative position
BE, all sectors
reference
Sector 42
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
48.5%
Return on assets
10.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 22-10-2025, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
9 d early
2023
on the day
2022
3 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€236k=
2024 · €236k
2022: €51k
2023: €214k
2024: €236k
2022 → 2025
Total assets
€487k▼ 2.4%
2024 · €500k
2022: €421k
2023: €544k
2024: €500k
2022 → 2025
Net result
€51k▲ 125%
2024 · €23k
2022: €46k
2023: €163k
2024: €23k
2022 → 2025
Working capital
€103k▼ 17.0%
2024 · €124k
2022: €-8k
2023: €36k
2024: €124k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€51k-€214k▲ 318%€236k▲ 10.5%€236k=
Operating result€48k-€207k▲ 330%€32k▼ 84.7%€66k▲ 107%
Net result€46k-€163k▲ 253%€23k▼ 86.2%€51k▲ 125%
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 107% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €487k
Fixed assets
€212k▼ 13.4%
Current assets
€275k▲ 8.2%
Equity and liabilities €487k
Equity
€236k=
Debt
€251k▼ 4.6%
The debt ratio falls from 52.7% to 51.5%. Debt is lower.
Key figures and ratios
EBITDA
€130k▲
2024 · €91k
Cash flow
€115k▲
2024 · €82k
Solvency
48.5%▲
2024 · 47.3%
Current ratio
1.60▼
2024 · 1.95
Quick ratio
1.27▲
2024 · 0.78
Debt / equity
1.06▼
2024 · 1.11
ROE
21.4%▲
2024 · 9.5%
ROA
10.4%▲
2024 · 4.5%
Interest coverage
21.49▼
2024 · 28.34
Debt
€251k▼
2024 · €263k
Debt ≤ 1 year
€173k▲
2024 · €131k
Debt > 1 year
€72k▼
2024 · €133k
Income taxes
€13k▲
2024 · €7k
Staff costs
€2k▼
2024 · €3k
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€500k€487k▼
Fixed assets21/28€245k€212k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€243k€211k▼
Plant, machinery and equipment23€141k€122k▼
Furniture and vehicles24€98k€80k▼
Other tangible fixed assets26€3k€9k▲
Current assets29/58€255k€275k▲
Stocks and contracts in progress3€152k€56k▼
Stocks30/36€61k€56k▼
Contracts in progress37€91k-
Amounts receivable within one year40/41€37k€100k▲
Trade receivables40€15k€91k▲
Other amounts receivable41€22k€9k▼
Cash at bank and in hand54/58€63k€116k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€500k€487k▼
Equity10/15€236k€236k=
Contributions10/11€5k€5k=
Reserves13€231k€231k=
Distributable reserves133€231k€231k=
Amounts payable17/49€263k€251k▼
Amounts payable after more than one year17€133k€72k▼
Financial debts170/4€133k€72k▼
Amounts payable within one year42/48€131k€173k▲
Current portion of amounts payable after more than one year42€64k€59k▼
Trade debts44€43k€44k▲
Suppliers440/4€43k€44k▲
Taxes, remuneration and social security45€23k€19k▼
Taxes450/3€11k€16k▲
Remuneration and social security454/9€12k€3k▼
Other amounts payable47/48€69€51k▲
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€3k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€64k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€96k€133k▲
Operating profit (loss)9901€32k€66k▲
Financial income75/76B€954€4k▲
Recurring financial income75€954€4k▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€29k€64k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€23k€51k▲
Profit (loss) for the period to be appropriated9905€23k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€51k▲
Transfer to equity691/2€23k-
To other reserves6921€23k-
Profit to be distributed694/7-€51k
Return on contributions (dividend)694-€51k
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
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €23k ▼86.2%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2022net €163k ▲253%
Operating result €207k, net result €163k, both a record.
31-03
Financial
Equity above €200kEq €214k ▲318%
2 profitable years in a row build equity to €214k.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 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, Houthulst · 1 establishment unit since 2021
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.
Jacobshoekstraat 68650 HouthulstGround area
334 m²
Building footprint
102 m²
Volume, LiDAR
358 m³
Parcel 32015C1062/00V002, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Dieter Devisch Technics
since 20212.317.187.171
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32015C1062/00V002 | Flanders | 334 m² | 1 · 102 m² | 6.4 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 723 EUR awarded · 723 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 162 EUR | 162 EUR |
| 2022 | 1 | 561 EUR | 561 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 394 companies in sector 42990 we hold annual accounts for 182. 132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2021
Fiscal year end31-03
Activities, NACEBEL
42990Civil engineering
33110Repair and maintenance of fabricated metal products
33140Repair and maintenance of electrical equipment
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.