Rogier DE CLERCQ
ActiveRogier DE CLERCQ has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €475k and a net result of €156k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+16
Solvency71▼-29
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 3.09 in 2024; short-term debt: 47.4% and cash: 7.7% of total assets), and 53.8% 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○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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
46.2%
Return on assets
15.2%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
26 d late
2023
12 d early
2022
25 d late
2021
24 d late
2020
30 d late
2019
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€475k▼ 23.3%
2024 · €619k
2018: €416k
2019: €430k
2020: €451k
2021: €533k
2022: €549k
2023: €600k
2024: €619k
2018 → 2025
Total assets
€1.03M▲ 39.2%
2024 · €737k
2018: €771k
2019: €767k
2020: €711k
2021: €751k
2022: €753k
2023: €765k
2024: €737k
2018 → 2025
Net result
€156k▲ 699%
2024 · €19k
2018: €-36k
2019: €14k
2020: €21k
2021: €82k
2022: €16k
2023: €50k
2024: €19k
2018 → 2025
Working capital
€72k▼ 59.2%
2024 · €177k
2018: €-80k
2019: €-90k
2020: €-77k
2021: €32k
2022: €90k
2023: €138k
2024: €177k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€533k-€549k▲ 3.1%€600k▲ 9.1%€619k▲ 3.2%€475k▼ 23.3%
Operating result€111k-€28k▼ 75.1%€71k▲ 159%€31k▼ 55.9%€246k▲ 686%
Net result€82k-€16k▼ 80.0%€50k▲ 205%€19k▼ 61.2%€156k▲ 699%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 686% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€468k▼ 1.7%
Current assets
€559k▲ 114%
Equity and liabilities €1.03M
Equity
€475k▼ 23.3%
Debt
€552k▲ 367%
The debt ratio rises from 16.0% to 53.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€331k▲
2024 · €108k
Cash flow
€240k▲
2024 · €96k
Solvency
46.2%▼
2024 · 84.0%
Current ratio
1.15▼
2024 · 3.09
Quick ratio
1.10▼
2024 · 2.74
Debt / equity
1.16▲
2024 · 0.19
ROE
32.8%▲
2024 · 3.1%
ROA
15.2%▲
2024 · 2.6%
Interest coverage
74.48▲
2024 · 30.82
Debt
€552k▲
2024 · €118k
Debt ≤ 1 year
€486k▲
2024 · €85k
Debt > 1 year
€65k▲
2024 · €33k
Income taxes
€87k▲
2024 · €9k
Staff costs
€501k▲
2024 · €406k
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€737k€1.03M▲
Fixed assets21/28€476k€468k▼
Tangible fixed assets22/27€476k€468k▼
Land and buildings22€394k€345k▼
Plant, machinery and equipment23€38k€28k▼
Furniture and vehicles24-€74k
Leasing and similar rights25€43k€21k▼
Current assets29/58€261k€559k▲
Amounts receivable after more than one year29-€255k
Other amounts receivable291-€255k
Stocks and contracts in progress3€29k€25k▼
Stocks30/36€29k€25k▼
Amounts receivable within one year40/41€78k€120k▲
Trade receivables40€70k€91k▲
Other amounts receivable41€8k€28k▲
Current investments50/53-€79k
Cash at bank and in hand54/58€153k€79k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€737k€1.03M▲
Equity10/15€619k€475k▼
Contributions10/11€19k€19k=
Reserves13€600k€456k▼
Tax-exempt reserves132€81k€81k=
Distributable reserves133€520k€375k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€118k€552k▲
Amounts payable after more than one year17€33k€65k▲
Financial debts170/4€33k€65k▲
Amounts payable within one year42/48€85k€486k▲
Current portion of amounts payable after more than one year42€26k€42k▲
Financial debts43€8k€8k▼
Credit institutions430/8€8k€8k▼
Trade debts44€14k€63k▲
Suppliers440/4€14k€63k▲
Taxes, remuneration and social security45€34k€114k▲
Taxes450/3€4k€79k▲
Remuneration and social security454/9€29k€35k▲
Other amounts payable47/48€2k€259k▲
Accrued charges and deferred income492/3€387€387=
Income statement
Code20242025
Non-recurring operating income76A-€252k
Remuneration, social security and pensions62€406k€501k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€85k▲
Other operating charges640/8€5k€27k▲
Gross operating margin9900€519k€859k▲
Operating profit (loss)9901€31k€246k▲
Financial income75/76B€539€120▼
Recurring financial income75€539€120▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€28k€242k▲
Income taxes67/77€9k€87k▲
Profit (loss) for the period9904€19k€156k▲
Profit (loss) for the period to be appropriated9905€19k€156k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€156k▲
Transfer from equity791/2-€300k
Transfer to equity691/2€19k€156k▲
To other reserves6921€19k€156k▲
Profit to be distributed694/7-€300k
Return on contributions (dividend)694-€300k
Social balance
Average headcount (FTE)90879.79.9▲
The notes to these accounts (12 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €156k ▲699%
Operating result €246k, net result €156k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
31-12
Financial
Equity above €500kEq €533k ▲18.2%
3 profitable years in a row build equity to €533k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 25 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
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, Aalst · 1 establishment unit since 1985
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.
Kortestraat 99320 AalstGround area
673 m²
Building footprint
145 m²
Volume, LiDAR
830 m³
Parcel 41014A1611/00F002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kortestraat 9, 9320 Aalst
since 19852.026.314.657
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41014A1611/00F002 | Flanders | 673 m² | 1 · 145 m² | 10.0 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
2025 · 1 entry · 6,315 EUR awarded · 6,315 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,315 EUR | 6,315 EUR |
Schemes
Individueel Maatwerk
Similar companies · same sector, comparable size
SL. LAB Design
BE 0695.486.337
Genappe · Eq €474k
LA BOITE A LUNETTES
BE 0478.513.173
Ukkel · Eq €478k
Dental Quality
BE 0896.020.078
Seneffe · Eq €469k
Optiek Lobelle
BE 0473.176.391
Poperinge · Eq €480k
UGANI PROSTHETICS
BE 0762.982.697
Leuven · Eq €480k
Of 1,252 companies in sector 32500 we hold annual accounts for 695. 501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-1985
Fiscal year end31-12
Activities, NACEBEL
32500Manufacture of medical and dental instruments and supplies
33103
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.