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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Age9 yrs
Real estate2 parcels · 1,098 m²
Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for ER-DAK according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €127k and a net result of €8k.
Based on the State Gazette, CBE and 6 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events07-04-2025
Bankruptcy
Opening
Filing behaviour
From the deposit records, complete market-wideFiling behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 02-07-2024, 29 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 7 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 02-07-2024 | 29 d early | 2024-00201963 |
| 31-12-2022 | 31-07-2023 | 01-10-2023 | 62 d late | 2023-00469205 |
| 31-12-2021 | 31-07-2022 | 31-07-2022 | on the day | 2022-20266670 |
| 31-12-2020 | 31-07-2021 | 24-07-2021 | 7 d early | 2021-40000243 |
| 31-12-2019 | 31-07-2020 | 03-10-2020 | 64 d late | 2020-58800029 |
| 31-12-2018 | 31-07-2019 | 19-07-2019 | 12 d early | 2019-35000249 |
| 31-12-2017 | 31-07-2018 | 01-07-2018 | 30 d early | 2018-27300488 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€8k+218.7%
Working capital€90k+16.2%
Directors1
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 02-07-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 86.2% | 38.7% | |
| Net result | €8k | €12k | |
| Equity | €127k | €30k | |
| Gross operating margin | €244k | €33k | |
| Staff costs | €204k | €26k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P95
Improving position over 2020-2023
· n=1633-9099
P42
Weakening position over 2020-2023
· n=1626-9084
P90
Stable position over 2020-2023
· n=1635-9105
P95
Stable position over 2020-2023
· n=1624-9074
Describes the position versus peers, not a forecast.
€31k
+54.8%
18-23
€8k
+218.7%
18-23
€24k
+43.2%
18-23
€148k
-38.6%
18-23
€127k
+6.9%
18-23
€90k
+16.2%
18-23
3
-33.3%
18-23
€204k
-11.2%
18-23
€7k
+25.2%
18-23
€20k
-83.3%
18-23
€20k
-83.3%
18-23
5.42
+231.2%
18-23
5.42
+231.2%
18-23
86.2%
+74.2%
18-23
0.16
-84.4%
18-23
6.5%
+198.0%
18-23
5.6%
+419.3%
18-23
56.84
+286.9%
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €31k |
| Net profit | €8k |
| Cash flow | €24k |
| Staff costs | €204k |
| Income taxes | €7k |
| Dividends | - |
| Total assets | €148k |
| Equity | €127k |
| Debt | €20k |
| of which ≤ 1y | €20k |
| of which > 1y | - |
| Working capital | €90k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 5.42 |
| Quick ratio | 5.42 |
| Working capital ratio | 60.8% |
| Solvency | 86.2% |
| Debt / equity | 0.16 |
| Long-term debt ratio | - |
| Interest coverage | 56.84 |
| Gross margin | - |
| Net margin | - |
| ROA | 5.6% |
| ROE | 6.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €148k |
| Fixed assets | 21/28 | €38k |
| Tangible fixed assets | 22/27 | €35k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €110k |
| Amounts receivable within one year | 40/41 | €70k |
| Cash & bank | 54/58 | €39k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €148k |
| Equity | 10/15 | €127k |
| Contributions / capital | 10/11 | €1 |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €125k |
| Amounts payable | 17/49 | €20k |
| Amounts payable within one year | 42/48 | €20k |
| Income statement | ||
| Gross operating margin | 9900 | €244k |
| Operating result | 9901 | €15k |
| Financial income | 75 | €825 |
| Financial charges | 65 | €546 |
| Result before taxes | 9903 | €15k |
| Income taxes | 67/77 | €7k |
| Net result for the period | 9904 | €8k |
| Result to be appropriated | 9905 | €8k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed34
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
Not yet read from the acts
3 acts for this company are in the Belgian State Gazette, of which we have read 0. This is therefore not a statement about the company: we have not extracted its directors from those acts yet.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | VINCENT GEERAERT PRINS BISSCHOPSSINGEL 31,
3500 HASSELT |
27-03-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Dakwerkzaamheden(43410) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 30-09-2016 |
| Status | Active |
| Postal code | 3920 |
| First BS signal | 07-04-2025 |
| Latest BS signal | 07-04-2025 |
Structure & network
Company structure: linked entities
1 linked entityMandates
Locations & real estate
Registered office
on the map · from the address register
Lommel
exact location from the address register
Establishment units
2 locationsER-DAK
since 20162.257.224.048
Clean Queen
since 20232.342.089.645
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,098 m²
Buildings2
Building footprint462 m²
Volume (LiDAR)1,978 m³
Tallest building9.1 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0246/00R000 | Flanders | 620 m² | 1 · 226 m² | 5.7 m · 1 fl. |
| 72502D0929/00V000 | Flanders | 479 m² | 1 · 236 m² | 9.1 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette07-04-2025
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Snowflake analysis
financial profile on 5 axes44
/ 100
Fragile profile, watch stability in particular.
All 5 axes are computed from data Checked has read.
Health
34
Profitability
32
Solvency
100
Growth
52
Stability
0
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Dakwerkzaamheden43410Dakwerkzaamheden43910Algemene bouw van residentiële gebouwen41001Algemene bouw van kantoorgebouwen41002Algemene bouw van andere niet-residentiële gebouwen41003Algemene bouw van residentiële gebouwen41201Algemene bouw van kantoorgebouwen41202Algemene bouw van andere niet-residentiële gebouwen41203
Primary activity highlighted.
Names & trade names
| Legal nameNL | ER-DAK |
Registered office
Kloosterstraat 192
3920 Lommel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.