Equity
-€283,528
Debts exceed assets in financial year 2025.
Bureau Deck
Lifetime
10 annual accounts with figures on one time axispeak €355,386 (2017)
€229,879▼ 10.1%
lowest -€72,811 (2016)
-€67,692▼ €6,935
peak -€56,470 (2017)
-€283,528▼ €67,692
€442,396▼ 15.3%
peak 4.4 FTE (2017)
1.5 FTE▼ 31.8%
Board3 names since 2018
2 directorsDECK Georges Pierre Joseph Jean and 1 other
Owners
Documentsfilings and deeds
20-07-202611 days before the deadline
2025abbreviated format
Loss of €67,692Staff from 2.2 FTE to 1.5 FTEEquity from -€215,836 to -€283,528Debts from €522,464 to €442,396Cash from €19 to €1,003
Key points
from the 2025 annual accountsLosses
-€162,652 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Turnover
≈ €590,000 estimated
The accounts state no turnover.
Debts
€442,396 278% of the balance sheet
Financial debts 62%Suppliers 0%Taxes and wages 6%Other 31%
Of this, €193,464 falls due within a year.
Filings
10 annual accounts 9 late
The 2020 accounts came latest: 90 days after the end of the period.
At the same address
8 companies
Checked score
31
Weak
Financially stronger than 15% of micro companies without a NACE code
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
8.3% Elevated
0%0.5%1.5%4%10%≥ 25%
About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.6%
01-2025: 5.7%▲ +0.1 percentage points vs 12-2024
02-2025: 5.7%● unchanged vs 01-2025
03-2025: 5.6%▼ -0.1 percentage points vs 02-2025lowest value
04-2025: 5.7%▲ +0.1 percentage points vs 03-2025
05-2025: 5.7%● unchanged vs 04-2025
06-2025: 5.9%▲ +0.2 percentage points vs 05-2025
07-2025: 6.0%▲ +0.1 percentage points vs 06-2025
08-2025: 6.9%▲ +0.9 percentage points vs 07-2025
09-2025: 7.4%▲ +0.5 percentage points vs 08-2025
10-2025: 9.0%▲ +1.6 percentage points vs 09-2025
11-2025: 9.0%● unchanged vs 10-2025
12-2025: 9.0%● unchanged vs 11-2025
01-2026: 9.1%▲ +0.1 percentage points vs 12-2025highest value
02-2026: 9.1%● unchanged vs 01-2026highest value
03-2026: 9.0%▼ -0.1 percentage points vs 02-2026
04-2026: 9.0%● unchanged vs 03-2026
05-2026: 8.7%▼ -0.3 percentage points vs 04-2026
06-2026: 8.9%▲ +0.2 percentage points vs 05-2026
07-2026: 8.9%● unchanged vs 06-2026
08-2026: 8.5%▼ -0.4 percentage points vs 07-2026
09-2026: 8.5%● unchanged vs 08-2026
10-2026: 8.3%▼ -0.2 percentage points vs 09-2026
11-2026: 8.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
No main activity registered
Negative equity -€283,528
Loss of €67,692, the second in a row (financial year 2025)
Liquidity: current ratio 0.47, cash €1,003
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 4% on liquidity, 36% on profitability and 13% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as Bureau Deck has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Bureau Deck itself is higher: 8.3% within 12 months. It rests on far more data about Bureau Deck than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for Bureau Deck. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.47 (0.54 in 2024), below 1. Short-term debt is 121.8% and cash 0.6% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€283,528
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 days early
2024
28 days late
2023
19 days late
2022
29 days late
2021
30 days late
2020
90 days late
2019
60 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 35 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Bureau d'Affaires DECK 20%score 50equity -€22,515 (2025) · 2025 annual accounts of Bureau d'Affaires DECK
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0642807419
Company renamed from Assurances Tossings & Deck to BUREAU DECK
Change of role: DECK Georges Pierre Joseph Jean, from manager to director · Appointment: ELLES (director) · Permanent representatives: DECK Laura and Leslie · General meeting of 23-03-2023 · Gazette deed
Merger proposal: to be absorbed by BUREAU D'AFFAIRES DECK
BUREAU D'AFFAIRES DECK holds all the shares · Gazette deed
Registered office moved within Liège
New registered office: Rue Saint-Rémy 10 G à 4000 Liège · Previous registered office: Rue Eugène Houdret 73, 4000 Liège · General meeting of 01-12-2021 · Gazette deed
Official details
Source: KBO- Status
- Active since 10-11-2015Normal situation
- Registered office
- 10 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- “Toutes opérations de courtage,notamment en assurances,financements,prêts personnels et hypothécaires,leasing et autres en ce compris…” (deed in French)From the articles, 5 activitiesNo NACE code in the KBO yet
- Joint committee
- 307Insurance brokers and agencies · annual accounts 2025
- Establishment unit
- 2.247.436.0554000 Liège, since 10-11-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 16-12-2025
Annual accounts 2025
- €158,868▼ 48.2%
- Filing
- Filed on 20-07-2026, 11 days before the end of the filing period
Insights on Bureau Deck
Bureau Deck files the abbreviated format. That format states no turnover. The gross margin rose from €121,268 in 2016 to €229,879 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Bureau Deck
- What is the company number of Bureau Deck?
- The company number of Bureau Deck is 0642.807.419. The VAT number is the same number with BE in front: BE 0642.807.419.
- Where is Bureau Deck based?
- The registered office is at Rue Saint-Remy 10, 4000 Liège.Company details
- What is the legal form of Bureau Deck?
- Bureau Deck is a private limited company (BV).
- When was Bureau Deck founded?
- Bureau Deck was founded on 10-11-2015.
- Is Bureau Deck still active?
- Yes, Bureau Deck is an active enterprise in the KBO register.
- How many employees does Bureau Deck have?
- Bureau Deck had an average of 1.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Bureau Deck fall under?
- In its 2025 annual accounts, Bureau Deck states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of Bureau Deck?
- The turnover in financial year 2025 is ≈ €590,000. This figure is estimated from the gross margin of €229,879 and 1,647 comparable companies of the same size. It probably lies between €360,000 and €1.1m. It is a rough estimate. In financial year 2018 turnover was €369,725.
- Is Bureau Deck profitable?
- In financial year 2025, Bureau Deck made a loss of €67,692.
- Where can I find the annual accounts of Bureau Deck?
- Bureau Deck filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Bureau Deck due?
- Bureau Deck must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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