DE BEZEMBINDER
ActiveDE BEZEMBINDER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.70M and a net result of €156k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 862 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▲+19
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 3.22 against 3.06 in 2024), and 28% 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 49
Relative position
BE, all sectors
reference
Sector 49
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
72%
Return on assets
6.6%
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 20-08-2026, 20 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
20 d late
2024
29 d late
2023
5 d early
2022
59 d late
2021
39 d late
2020
31 d late
2019
41 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€156k▲ 85.2%
2024 · €84k
2018: €-14k
2019: €-30k
2020: €38k
2021: €69k
2022: €85k
2023: €80k
2024: €84k
2018 → 2025
Working capital
€836k▲ 27.5%
2024 · €656k
2018: €435k
2019: €408k
2020: €468k
2021: €433k
2022: €432k
2023: €467k
2024: €656k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.29M-€1.38M▲ 6.6%€1.46M▲ 5.8%€1.54M▲ 5.8%€1.70M▲ 10.1%
Operating result€70k-€83k▲ 17.7%€71k▼ 14.1%€101k▲ 42.0%€214k▲ 111%
Net result€69k-€85k▲ 23.8%€80k▼ 6.0%€84k▲ 5.1%€156k▲ 85.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 111% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.36M
Fixed assets
€1.14M▼ 1.2%
Current assets
€1.21M▲ 24.5%
Equity and liabilities €2.36M
Equity
€1.70M▲ 10.1%
Provisions
€20k=
Debt
€639k▲ 12.2%
The debt ratio rises from 26.8% to 27.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€416k▲
2024 · €341k
Cash flow
€358k▲
2024 · €324k
Solvency
72.0%▼
2024 · 72.3%
Current ratio
3.22▲
2024 · 3.06
Quick ratio
3.17▲
2024 · 2.98
Debt / equity
0.38▲
2024 · 0.37
ROE
9.2%▲
2024 · 5.5%
ROA
6.6%▲
2024 · 3.9%
Interest coverage
29.18▲
2024 · 22.71
Debt
€639k▲
2024 · €570k
Debt ≤ 1 year
€376k▲
2024 · €318k
Debt > 1 year
€262k▲
2024 · €252k
Income taxes
€47k▲
2024 · €19k
Staff costs
€414k▲
2024 · €336k
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€2.13M€2.36M▲
Fixed assets21/28€1.16M€1.14M▼
Tangible fixed assets22/27€1.16M€1.14M▼
Land and buildings22€368k€323k▼
Plant, machinery and equipment23€737€12k▲
Furniture and vehicles24€535k€596k▲
Leasing and similar rights25€240k€200k▼
Other tangible fixed assets26€13k€12k▼
Current assets29/58€974k€1.21M▲
Amounts receivable after more than one year29€152k€152k=
Other amounts receivable291€152k€152k=
Stocks and contracts in progress3€27k€18k▼
Stocks30/36€27k€18k▼
Amounts receivable within one year40/41€541k€625k▲
Trade receivables40€211k€235k▲
Other amounts receivable41€330k€390k▲
Cash at bank and in hand54/58€242k€414k▲
Deferred charges and accrued income490/1€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.13M€2.36M▲
Equity10/15€1.54M€1.70M▲
Contributions10/11€945k€945k=
Capital10€945k€945k=
Issued capital100€945k€945k=
Reserves13€244k€262k▲
Non-distributable reserves130/1€74k€81k▲
Legal reserve130€74k€81k▲
Tax-exempt reserves132€171k€181k▲
Profit (loss) carried forward14€351k€489k▲
Provisions and deferred taxes16€20k€20k=
Provisions for liabilities and charges160/5€20k€20k=
Major repairs and maintenance162€20k€20k=
Amounts payable17/49€570k€639k▲
Amounts payable after more than one year17€252k€262k▲
Financial debts170/4€252k€262k▲
Amounts payable within one year42/48€318k€376k▲
Current portion of amounts payable after more than one year42€96k€119k▲
Trade debts44€161k€134k▼
Suppliers440/4€161k€134k▼
Taxes, remuneration and social security45€46k€108k▲
Taxes450/3€26k€51k▲
Remuneration and social security454/9€20k€57k▲
Other amounts payable47/48€15k€15k=
Accrued charges and deferred income492/3-€929
Income statement
Code20242025
Non-recurring operating income76A€25k€12k▼
Remuneration, social security and pensions62€336k€414k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€240k€202k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€681k€832k▲
Operating profit (loss)9901€101k€214k▲
Financial income75/76B€17k€4k▼
Recurring financial income75€17k€4k▼
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€103k€203k▲
Income taxes67/77€19k€47k▲
Profit (loss) for the period9904€84k€156k▲
Transfer to tax-exempt reserves689€21k€11k▼
Profit (loss) for the period to be appropriated9905€64k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€355k€496k▲
Profit (loss) brought forward from the previous period14P€291k€351k▲
Transfer to equity691/2€4k€8k▲
To the legal reserve6920€4k€8k▲
Social balance
Average headcount (FTE)90877.38.8▲
The notes to these accounts (14 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €156k ▲85.2%
Operating result €214k, net result €156k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 59 days late
2022
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 39 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 41 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 181 days late
2019
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 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, Scherpenheuvel-Zichem · 1 establishment unit since 1998
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.
Houwaartstraat 3893270 Scherpenheuvel-ZichemGround area
1,361 m²
Building footprint
129 m²
Volume, LiDAR
399 m³
Parcel 24098B0308/00G003, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Houwaartstraat 389, 3270 Scherpenheuvel-Zichem
since 19982.087.996.363
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098B0308/00G003 | Flanders | 1,360 m² | 1 · 129 m² | 9.6 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 · 2,528 EUR awarded · 1,718 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,085 EUR | 1,275 EUR |
| 2022 | 1 | 443 EUR | 443 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,979 companies in sector 49320 we hold annual accounts for 2,683. 406 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-04-1998
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
60230
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.