Dakwerken Vanloock
ActiveDakwerken Vanloock has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €-18k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-37
Solvency53▼-27
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 2.94 in 2024; short-term debt: 16.3% and cash: 8.8% of total assets), and 71.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 →
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
28.1%
Return on assets
-5.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
2 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▼ 16.4%
2024 · €108k
2019: €40k
2020: €40k
2021: €63k
2022: €69k
2023: €92k
2024: €108k
2019 → 2025
Total assets
€322k▲ 63.8%
2024 · €196k
2019: €139k
2020: €126k
2021: €128k
2022: €112k
2023: €115k
2024: €196k
2019 → 2025
Net result
€-18k
2024 · €16k
2019: €-1k
2020: €691
2021: €22k
2022: €6k
2023: €23k
2024: €16k
2019 → 2025
Working capital
€19k▼ 67.9%
2024 · €61k
2019: €-237
2020: €-172
2021: €18k
2022: €22k
2023: €52k
2024: €61k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€69k▲ 9.9%€92k▲ 33.1%€108k▲ 17.8%€90k▼ 16.4%
Operating result€30k-€9k▼ 68.8%€30k▲ 223%€22k▼ 27.2%€-12k
Net result€22k-€6k▼ 72.2%€23k▲ 268%€16k▼ 28.3%€-18k
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 €12k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322k
Fixed assets
€250k▲ 139%
Current assets
€72k▼ 21.7%
Equity and liabilities €322k
Equity
€90k▼ 16.4%
Debt
€231k▲ 162%
The debt ratio rises from 44.9% to 71.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €48k
Cash flow
€16k▼
2024 · €42k
Solvency
28.1%▼
2024 · 55.1%
Current ratio
1.37▼
2024 · 2.94
Quick ratio
1.31▼
2024 · 2.85
Debt / equity
2.56▲
2024 · 0.82
ROE
-19.7%▼
2024 · 15.1%
ROA
-5.5%▼
2024 · 8.3%
Interest coverage
3.65▼
2024 · 22.61
Debt
€231k▲
2024 · €88k
Debt ≤ 1 year
€52k▲
2024 · €31k
Debt > 1 year
€179k▲
2024 · €57k
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€196k€322k▲
Fixed assets21/28€104k€250k▲
Tangible fixed assets22/27€104k€250k▲
Land and buildings22-€174k
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€78k€60k▼
Leasing and similar rights25€24k€12k▼
Current assets29/58€92k€72k▼
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€38k€38k▲
Trade receivables40€15k€28k▲
Other amounts receivable41€23k€10k▼
Cash at bank and in hand54/58€48k€28k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€196k€322k▲
Equity10/15€108k€90k▼
Contributions10/11€19k€19k=
Reserves13€89k€72k▼
Distributable reserves133€89k€72k▼
Amounts payable17/49€88k€231k▲
Amounts payable after more than one year17€57k€179k▲
Financial debts170/4€57k€179k▲
Amounts payable within one year42/48€31k€52k▲
Current portion of amounts payable after more than one year42€14k€30k▲
Trade debts44€15k€15k▲
Suppliers440/4€15k€15k▲
Taxes, remuneration and social security45-€5k
Remuneration and social security454/9-€5k
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3€44€235▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€34k▲
Other operating charges640/8€596€24k▲
Gross operating margin9900€48k€45k▼
Operating profit (loss)9901€22k€-12k▼
Financial income75/76B€235€500▲
Recurring financial income75€235€500▲
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€20k€-18k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€16k€-18k▼
Profit (loss) for the period to be appropriated9905€16k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-18k▼
Transfer from equity791/2-€18k
Transfer to equity691/2€16k-
To other reserves6921€16k-
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-18k ▼209%
Net result drops to €-18k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €100kEq €108k ▲17.8%
5 profitable years in a row build equity to €108k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €23k ▲268%
Operating result €30k, net result €23k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €691
Net result €691 after one loss-making year.
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
14-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-12
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
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, Huldenberg · 1 establishment unit since 2015
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.
Leuvensebaan(SAR) 3123040 HuldenbergGround area
1,125 m²
Building footprint
139 m²
Volume, LiDAR
917 m³
Parcel 24099A0456/00K000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Vanloock
since 20152.242.192.711
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24099A0456/00K000 | Flanders | 1,125 m² | 1 · 139 m² | 8.9 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
LAMY-VANDERBIEST
BE 0887.330.066
Leuven · Eq €90k
LE MILAN
BE 0476.210.117
Saint-Nicolas · Eq €90k
VALKENEERS DIRK
BE 0442.566.359
Hasselt · Eq €90k
BTS-VM
BE 0798.719.972
Saint-Nicolas · Eq €90k
TOITURE PIERRE FELTRIN
BE 0473.547.367
Wavre · Eq €91k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,798 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2015
Fiscal year end30-06
Activities, NACEBEL
43410Roofing work
01430Raising of horses and other equines
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.