Accountancy Deschepper
ActiveAccountancy Deschepper has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €49k. Equity is growing by ~44.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+4
Solvency73▲+13
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.04 in 2024; short-term debt: 30.8% and cash: 25.6% of total assets), but 52.3% 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+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
47.7%
Return on assets
17.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-02-2026, 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 · 3 filingsDeviation from the deadline
2025
20 d late
2024
12 d late
2023
26 d late
← 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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▲ 53.4%
2024 · €88k
2023: €57k
2024: €88k
2023 → 2025
Total assets
€283k▲ 14.2%
2024 · €248k
2023: €180k
2024: €248k
2023 → 2025
Net result
€49k▲ 47.7%
2024 · €33k
2023: €47k
2024: €33k
2023 → 2025
Working capital
€51k▲ 1,511%
2024 · €3k
2023: €15k
2024: €3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€57k-€88k▲ 55.3%€135k▲ 53.4%
Operating result€58k-€45k▼ 22.0%€66k▲ 46.4%
Net result€47k-€33k▼ 28.5%€49k▲ 47.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€145k▼ 14.9%
Current assets
€138k▲ 78.4%
Equity and liabilities €283k
Equity
€135k▲ 53.4%
Debt
€148k▼ 7.3%
The debt ratio falls from 64.5% to 52.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€99k▲
2024 · €72k
Cash flow
€82k▲
2024 · €60k
Solvency
47.7%▲
2024 · 35.5%
Current ratio
1.58▲
2024 · 1.04
Quick ratio
1.58▲
2024 · 1.04
Debt / equity
1.10▼
2024 · 1.82
ROE
36.5%▼
2024 · 37.9%
ROA
17.4%▲
2024 · 13.4%
Interest coverage
26.03▲
2024 · 20.35
Debt
€148k▼
2024 · €160k
Debt ≤ 1 year
€87k▲
2024 · €74k
Debt > 1 year
€60k▼
2024 · €83k
Income taxes
€13k▲
2024 · €8k
Staff costs
€73k▲
2024 · €34k
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€248k€283k▲
Fixed assets21/28€171k€145k▼
Tangible fixed assets22/27€171k€145k▼
Land and buildings22-€7k
Plant, machinery and equipment23€10k€9k▼
Furniture and vehicles24€71k€50k▼
Other tangible fixed assets26€89k€79k▼
Current assets29/58€77k€138k▲
Amounts receivable within one year40/41€44k€58k▲
Trade receivables40€42k€58k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€26k€73k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€248k€283k▲
Equity10/15€88k€135k▲
Contributions10/11€10k€10k=
Reserves13€78k€125k▲
Distributable reserves133€78k€125k▲
Amounts payable17/49€160k€148k▼
Amounts payable after more than one year17€83k€60k▼
Financial debts170/4€83k€60k▼
Amounts payable within one year42/48€74k€87k▲
Current portion of amounts payable after more than one year42€23k€24k▲
Financial debts43€10k€10k=
Other loans439€10k€10k=
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€21k€42k▲
Taxes450/3€14k€25k▲
Remuneration and social security454/9€8k€17k▲
Other amounts payable47/48€16k€8k▼
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€34k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€33k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€2k▲
Other operating charges640/8€724€1k▲
Gross operating margin9900€108k€174k▲
Operating profit (loss)9901€45k€66k▲
Financial income75/76B€81€319▲
Recurring financial income75€81€319▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€42k€63k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€33k€49k▲
Profit (loss) for the period to be appropriated9905€33k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€49k▲
Transfer to equity691/2€31k€47k▲
To the legal reserve6920-€47k
To other reserves6921€31k-
Profit to be distributed694/7€2k€2k▲
Other beneficiaries697€2k€2k▲
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
20-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
28-01
State Gazette act
General meeting · Merger
Accounting effect · Share cancellation
19-01
State Gazette act
General meeting · Merger
Share cancellation · Accounting effect
19-01
State Gazette act
General meeting · Merger
Accounting effect · Share cancellation
2025
30-06
Financial
Highest result since 2023net €49k ▲47.7%
Operating result €66k, net result €49k, both a record.
30-06
Financial
Equity above €100kEq €135k ▲53.4%
3 profitable years in a row build equity to €135k.
12-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
30-06
Financial
Weakest financial yearnet €33k ▼28.5%
Net result drops to €33k, the lowest in the series; recovery starts the following year.
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
Financial milestoneState Gazette actNBB 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, Wingene · 1 establishment unit since 2022
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.
Boterstraat 278750 WingeneGround area
988 m²
Building footprint
154 m²
Volume, LiDAR
750 m³
Parcel 37019C0132/00F002, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Accountancy Deschepper
since 20222.325.891.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019C0132/00F002 | Flanders | 988 m² | 1 · 154 m² | 7.8 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
2022 to 2025 · 4 entries · 4,562 EUR awarded · 4,562 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 793 EUR | 793 EUR |
| 2024 | 1 | 837 EUR | 837 EUR |
| 2023 | 1 | 1,427 EUR | 1,427 EUR |
| 2022 | 1 | 1,505 EUR | 1,505 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2022
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.