Notaris Dirk Declercq
ActiveSummary
Notaris Dirk Declercq has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €582k and a net result of €22k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 69% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-28
Solvency99▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 3.65 against 6.36 in 2024; short-term debt: 25.6% and cash: 81.4% of total assets), and 26.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
73.7%
Return on assets
2.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-07-2026, 6 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
6 d early
2024
18 d late
2023
23 d early
2022
24 d early
2021
4 d early
2020
40 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€582k▼ 20.5%
2024 · €731k
2020: €198k
2021: €272k
2022: €329k
2023: €386k
2024: €731k
2020 → 2025
Total assets
€789k▼ 9.8%
2024 · €875k
2020: €3.98M
2021: €3.90M
2022: €3.02M
2023: €3.73M
2024: €875k
2020 → 2025
Net result
€22k▼ 95.2%
2024 · €451k
2020: €98k
2021: €74k
2022: €57k
2023: €57k
2024: €451k
2020 → 2025
Working capital
€535k▼ 22.7%
2024 · €692k
2020: €44k
2021: €124k
2022: €175k
2023: €232k
2024: €692k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€272k-€329k▲ 21.1%€386k▲ 17.3%€731k▲ 89.3%€582k▼ 20.5%
Operating result€117k-€92k▼ 21.5%€98k▲ 6.5%€654k▲ 568%€31k▼ 95.3%
Net result€74k-€57k▼ 22.8%€57k▼ 0.7%€451k▲ 692%€22k▼ 95.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €789k
Fixed assets
€52k ▼ 3.6%
Current assets
€737k ▼ 10.2%
Equity and liabilities €789k
Equity
€582k ▼ 20.5%
Debt
€208k ▲ 44.3%
Debt's share of the balance-sheet total rises from 16.5% to 26.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €666k
Cash flow
€32k▼
2024 · €463k
Current ratio
3.65▼
2024 · 6.36
Debt to equity
0.36▲
2024 · 0.20
ROE
3.8%▼
2024 · 61.7%
ROA
2.8%▼
2024 · 51.5%
Interest coverage
426.08▲
2024 · 52.61
Debt ≤ 1 year
€202k▲
2024 · €129k
Income taxes
€11k▼
2024 · €196k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€875k€789k▼
Fixed assets21/28€54k€52k▼
Tangible fixed assets22/27€54k€52k▼
Plant, machinery and equipment23€1k€411▼
Furniture and vehicles24-€4k
Other tangible fixed assets26€53k€48k▼
Current assets29/58€821k€737k▼
Amounts receivable within one year40/41€93k€92k▼
Trade receivables40€2k€57k▲
Other amounts receivable41€91k€35k▼
Cash at bank and in hand54/58€725k€642k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€875k€789k▼
Equity10/15€731k€582k▼
Contributions10/11€100k€100k=
Reserves13€630k€481k▼
Distributable reserves133€630k€481k▼
Profit (loss) carried forward14€976€1k▲
Amounts payable17/49€144k€208k▲
Amounts payable within one year42/48€129k€202k▲
Trade debts44€13k€2k▼
Suppliers440/4€13k€2k▼
Taxes, remuneration and social security45€8k€25k▲
Taxes450/3€5k€25k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€109k€175k▲
Accrued charges and deferred income492/3€15k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€295k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€46k€5k▼
Gross operating margin9900€1.01M€47k▼
Operating profit (loss)9901€654k€31k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€13k€97▼
Recurring financial charges65€13k€97▼
Profit (loss) for the period before taxes9903€647k€33k▼
Income taxes67/77€196k€11k▼
Profit (loss) for the period9904€451k€22k▼
Profit (loss) for the period to be appropriated9905€451k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€451k€23k▼
Profit (loss) brought forward from the previous period14P€618€976▲
Transfer from equity791/2-€172k
Transfer to equity691/2€345k€22k▼
To other reserves6921€345k€22k▼
Profit to be distributed694/7€106k€172k▲
Return on contributions (dividend)694€106k€172k▲
Social balance
Average headcount (FTE)90874.3-
The notes to these accounts (6 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
25-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €22k ▼95.2%
Net result drops to €22k, the lowest in the series.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 18 days late
2024
31-12
Financial
Highest result since 2020net €451k ▲692%
Operating result €654k, net result €451k, both a record.
31-12
Financial
Liquidity times 6current ratio 6.36
Current ratio from 1.08 to 6.36; short-term debt falls from €2.81M to €129k.
31-12
Financial
Equity above €500kEq €731k ▲89.3%
5 profitable years in a row build equity to €731k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €272k ▲37.6%
2 profitable years in a row build equity to €272k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zwevegem · 1 establishment unit since 2020
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.
Kortrijkstraat(Z) 808550 ZwevegemGround area
3,031 m²
Building footprint
284 m²
Volume, LiDAR
1,938 m³
Parcel 34042A0240/00M006, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Notaris Dirk Declercq
since 20202.301.292.336
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042A0240/00M006 | Flanders | 3,031 m² | 1 · 284 m² | 12.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 225 EUR awarded · 225 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 225 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9845000672DD9PD00935
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Of 2,258 companies in sector 69102 we hold annual accounts for 1,754. 1,289 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:dirk.declercq@belnot.be