D.E.E.S
ActiveSummary
D.E.E.S is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€20,745) and a net result of -€4,179. Equity is shrinking by about 17% per year across the filed financial years. Its solvency ranks better than 5% of 3,034 sector peers (NACE 66, financial year 2025). The company has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
3rd oldest company in Pajottegem, Finance and insurance sector1 site
Size
€23,504total assets 2025
- Equity
- -€20,745
- Loss
- -€4,179
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 29 days early5 deeds in the Belgian Official Gazette
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3034 sector peers (2025).
NBB · sector comparisonPosition among 3034 sector peers
Solvency
better than 5%
← weakest
strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 days early
2024
23 days early
2023
28 days late
2022
53 days late
2021
5 days early
2020
3 days early
2019
5 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed 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 26 July (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
25-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Back to profitnet €5,588
Financials · financial year 2025, micro format
In the rankings
#3 oldest company in Pajottegem, Finance and insurance sector
Equity
-€20,745▼ 25.2%
2024 · -€16,567
Net result
-€4,179
2024 · €5,588
Total assets
€23,504▼ 15.3%
2024 · €27,748
Solvency
-88.3%▼ 28.6pp
2024 · -59.7%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result turns negative in 2025: a loss of €4,095 after €6,049 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result-€4,095
2025
Net result-€4,179
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€23,504
2025
Equity-€20,745
2025
Debt€44,249
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€33,651
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)-17.8%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency-88.3%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.24
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€5,318--€264▲ 95.0%-€12,651▼ 4,701%-€5,112▲ 59.6%-€738▲ 85.6%-€2,743▼ 272%€6,049-€4,095
Net result-€5,888--€939▲ 84.0%-€12,993below the sector's middle half▼ 1,284%-€5,487below the sector's middle half▲ 57.8%-€749below the sector's middle half▲ 86.3%-€2,897below the sector's middle half▼ 287%€5,588within the sector's middle half-€4,179below the sector's middle half
Equity€911--€28-€13,021below the sector's middle half▼ 46,505%-€18,509below the sector's middle half▼ 42.1%-€19,258below the sector's middle half▼ 4.0%-€22,154below the sector's middle half▼ 15.0%-€16,567below the sector's middle half▲ 25.2%-€20,745below the sector's middle half▼ 25.2%
Total assets€33,525-€22,890▼ 31.7%€13,657below the sector's middle half▼ 40.3%€8,056below the sector's middle half▼ 41.0%€11,054below the sector's middle half▲ 37.2%€29,060below the sector's middle half▲ 163%€27,748below the sector's middle half▼ 4.5%€23,504below the sector's middle half▼ 15.3%
Debt€32,613-€22,918▼ 29.7%€26,679▲ 16.4%€26,565▼ 0.4%€30,312▲ 14.1%€51,215▲ 69.0%€44,314▼ 13.5%€44,249▼ 0.1%
Working capital-€8,105--€2,822▲ 65.2%-€14,495below the sector's middle half▼ 414%-€20,832below the sector's middle half▼ 43.7%-€20,938below the sector's middle half▼ 0.5%-€39,200below the sector's middle half▼ 87.2%-€31,542below the sector's middle half▲ 19.5%-€33,651below the sector's middle half▼ 6.7%
Solvency2.7%--0.1%▼ 2.8pp-95.3%below the sector's middle half▼ 95.2pp-229.8%below the sector's middle half▼ 134.4pp-174.2%below the sector's middle half▲ 55.5pp-76.2%below the sector's middle half▲ 98.0pp-59.7%below the sector's middle half▲ 16.5pp-88.3%below the sector's middle half▼ 28.6pp
Current ratio0.54-0.78▲ 0.240.33below the sector's middle half▼ 0.450.22below the sector's middle half▼ 0.110.31below the sector's middle half▲ 0.090.23below the sector's middle half▼ 0.070.29below the sector's middle half▲ 0.050.24below the sector's middle half▼ 0.05
Return on assets (ROA)-17.6%--4.1%▲ 13.5pp-95.1%below the sector's middle half▼ 91.0pp-68.1%below the sector's middle half▲ 27.0pp-6.8%below the sector's middle half▲ 61.3pp-10.0%below the sector's middle half▼ 3.2pp20.1%within the sector's middle half▲ 30.1pp-17.8%below the sector's middle half▼ 37.9pp
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23,504
Fixed assets
€12,906 ▼ 13.8%
Current assets
€10,598 ▼ 17.0%
Equity and liabilities
Equity-€20,745
Debt€44,249
Equity is negative: debt (€44,249) exceeds the balance-sheet total (€23,504).
Key figures and ratios
Debt ≤ 1 year
€44,249▼
2024 · €44,314
Income taxes
€0▼
2024 · €401
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,006 | €11,173 | €6,340 | €6,340 | €643 | €1,134 | €2,070 | €2,070 | = |
| Other operating charges640/8 | - | - | - | €230 | - | - | €518 | €415 | ▼ 20.0% |
| Gross operating margin9900 | €9,332 | €11,670 | -€5,735 | €1,458 | -€95 | -€1,608 | €8,638 | -€1,610 | - |
| Operating profit (loss)9901 | -€5,318 | -€264 | -€12,651 | -€5,112 | -€738 | -€2,743 | €6,049 | -€4,095 | - |
| Financial charges65/66B | - | - | - | €258 | €11 | €23 | €61 | €84 | ▲ 38.9% |
| Recurring financial charges65 | €454 | €562 | €342 | €258 | €11 | €23 | €61 | €84 | ▲ 38.9% |
| Profit (loss) for the period before taxes9903 | -€5,773 | -€825 | -€12,993 | -€5,370 | -€749 | -€2,765 | €5,989 | -€4,179 | - |
| Income taxes67/77 | €115 | €114 | - | €117 | - | €132 | €401 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€5,888 | -€939 | -€12,993 | -€5,487 | -€749 | -€2,897 | €5,588 | -€4,179 | - |
| Profit (loss) for the period to be appropriated9905 | -€5,888 | -€939 | -€12,993 | -€5,487 | -€749 | -€2,897 | €5,588 | -€4,179 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €33,525 | €22,890 | €13,657 | €8,056 | €11,054 | €29,060 | €27,748 | €23,504 | ▼ 15.3% |
| Fixed assets21/28 | €24,076 | €12,903 | €6,563 | €2,323 | €1,680 | €17,046 | €14,976 | €12,906 | ▼ 13.8% |
| Intangible fixed assets21 | €3,167 | - | - | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €20,909 | €12,903 | €6,563 | €2,323 | €1,680 | €17,046 | €14,976 | €12,906 | ▼ 13.8% |
| Plant, machinery and equipment23 | - | - | - | €2,100 | €1,680 | €1,260 | €840 | €420 | ▼ 50.0% |
| Furniture and vehicles24 | - | - | - | €223 | - | €15,786 | €14,136 | €12,486 | ▼ 11.7% |
| Current assets29/58 | €9,448 | €9,986 | €7,094 | €5,733 | €9,374 | €12,015 | €12,772 | €10,598 | ▼ 17.0% |
| Stocks and contracts in progress3 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | €7,000 | €7,000 | = |
| Stocks30/36 | - | - | - | €4,500 | €4,500 | €4,500 | €7,000 | €7,000 | = |
| Amounts receivable within one year40/41 | €2,823 | €2,341 | €517 | €331 | €639 | €1,406 | €1,546 | €1,669 | ▲ 8.0% |
| Other amounts receivable41 | - | - | - | €331 | €639 | €1,406 | €1,546 | €1,669 | ▲ 8.0% |
| Current investments50/53 | - | - | - | - | - | €631 | €0 | - | - |
| Cash at bank and in hand54/58 | €749 | €1,935 | €840 | €902 | €4,235 | €5,478 | €4,226 | €429 | ▼ 89.8% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €1,500 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €33,525 | €22,890 | €13,657 | €8,056 | €11,054 | €29,060 | €27,748 | €23,504 | ▼ 15.3% |
| Equity10/15 | €911 | -€28 | -€13,021 | -€18,509 | -€19,258 | -€22,154 | -€16,567 | -€20,745 | ▼ 25.2% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | - | - | €62,000 | €62,000 | - | - | - | - |
| Issued capital100 | - | - | - | €62,000 | €62,000 | - | - | - | - |
| Contributions outside capital11 | - | - | - | - | - | €62,000 | - | - | - |
| Other1109/19 | - | - | - | - | - | €62,000 | - | - | - |
| Reserves13 | €13,083 | €13,083 | €13,083 | €13,083 | €13,083 | €13,083 | €13,083 | €13,083 | = |
| Non-distributable reserves130/1 | - | - | - | €6,200 | €6,200 | - | - | - | - |
| Legal reserve130 | - | - | - | €6,200 | €6,200 | - | - | - | - |
| Tax-exempt reserves132 | - | - | - | €2,943 | €2,943 | €2,943 | €2,943 | €2,943 | = |
| Distributable reserves133 | - | - | - | €3,940 | €3,940 | €10,140 | €10,140 | €10,140 | = |
| Profit (loss) carried forward14 | -€74,172 | -€75,111 | -€88,104 | -€93,592 | -€94,341 | -€97,237 | -€91,650 | -€95,828 | ▼ 4.6% |
| Amounts payable17/49 | €32,613 | €22,918 | €26,679 | €26,565 | €30,312 | €51,215 | €44,314 | €44,249 | ▼ 0.1% |
| Amounts payable after more than one year17 | €15,061 | €10,110 | €5,090 | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €17,553 | €12,808 | €21,589 | €26,565 | €30,312 | €51,215 | €44,314 | €44,249 | ▼ 0.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €5,511 | - | - | - | - | - |
| Trade debts44 | €48 | - | €4,187 | €2,132 | - | €1,216 | €720 | €787 | ▲ 9.3% |
| Suppliers440/4 | - | - | - | €2,132 | - | €1,216 | €720 | €787 | ▲ 9.3% |
| Taxes, remuneration and social security45 | - | - | - | - | - | €237 | €533 | €401 | ▼ 24.7% |
| Taxes450/3 | - | - | - | - | - | €237 | €533 | €401 | ▼ 24.7% |
| Other amounts payable47/48 | - | - | - | €18,922 | €30,312 | €49,761 | €43,062 | €43,062 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,888 | -€939 | -€12,993 | -€5,487 | -€749 | -€2,897 | €5,588 | -€4,179 | - |
| + Depreciation and write-downs630 | €12,006 | €11,173 | €6,340 | €6,340 | €643 | €1,134 | €2,070 | €2,070 | = |
| Operating cash flow (approximation) | €6,118 | €10,234 | -€6,653 | €853 | -€106 | -€1,762 | €7,658 | -€2,109 | - |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€2,100 | €0 | -€16,500 | €0 | €0 | - |
| Change in cash | - | €1,186 | -€1,096 | €62 | €3,333 | €1,243 | -€1,252 | -€3,797 | ▼ 203% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 38 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 02-07-2026 | 2026-00239786 |
| 31-12-2024 | micro format | 08-07-2025 | 2025-00242501 |
| 31-12-2023 | micro format | 28-08-2024 | 2024-00382071 |
| 31-12-2022 | micro format | 22-09-2023 | 2023-00450985 |
| 31-12-2021 | micro format | 26-07-2022 | 2022-20220996 |
| 31-12-2020 | micro format | 28-07-2021 | 2021-41300136 |
| 31-12-2019 | micro format | 05-08-2020 | 2020-39300535 |
| 31-12-2018 | micro format | 19-07-2019 | 2019-35400318 |
| 31-12-2017 | micro format | 25-07-2018 | 2018-40200523 |
| 31-12-2016 | micro format | 10-07-2017 | 2017-30300527 |
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,210. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 5 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
08-07
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
31-12
Financial
Back to profitnet €5,588
Net result €5,588 after 6 loss-making years.
28-08
NBB filing
Annual accounts filed
financial year 2023 · micro format · 28 days late
2023
22-09
NBB filing
Annual accounts filed
financial year 2022 · micro format · 53 days late
2022
26-07
NBB filing
Annual accounts filed
financial year 2021 · micro format
2021
28-07
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
31-12
Financial
Weakest financial yearnet -€12,993
Net result drops to -€12,993, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
financial year 2019 · micro format · 5 days late
2019
19-07
NBB filing
Annual accounts filed
financial year 2018 · micro format
2018
25-07
NBB filing
Annual accounts filed
financial year 2017 · micro format
2017
10-07
NBB filing
Annual accounts filed
financial year 2016 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 38 annual accounts filed, the latest 10 are here; all 38 are under Financials.
0 of 5 deeds read
About the unread acts
We know of 5 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded28-12-1987
Financial year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
93127Equestrian clubs
93129Activities of other sports clubs
E-invoicing
Reachable via Peppol
Peppol ID
0208:0433013443
Also
9925:BE0433013443
Registered
14-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Pajottegem · 1 establishment unit since 1992
Ground area
1,909 m²
Building footprint
439 m²
Building volume
2,020 m³
2 parcels, Flanders · tallest building 7.4 m. Linked by address, not a title deed.
1 establishment unit
Imbeekstraat(HN) 23, 1540 Pajottegem
since 1992unit no. 2.057.166.595
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23032H0099/00T000 | Flanders | 1,694 m² | 1 · 224 m² | 7.4 m · 2 |
| 23058A0474/00D000 | Flanders | 215 m² | 1 · 215 m² | 6.1 m · 1 |
How the parcels are linked
Good to know
Both parcels match the address exactly.