DAVERBO
ActiveDAVERBO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €148k and a net result of €11k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 5495 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 5495 sector peers (2025).
NBB · sector comparisonPosition among 5495 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
120 d early
2023
9 d early
2022
60 d late
2021
3 d early
2020
36 d early
2019
32 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€148k▲ 8.3%
2024 · €137k
2018: €94k
2019: €97k
2020: €99k
2021: €96k
2022: €97k
2023: €95k
2024: €137k
2018 → 2025
Net result
€11k▼ 72.6%
2024 · €41k
2018: €4k
2019: €3k
2020: €1k
2021: €-2k
2022: €446
2023: €-1k
2024: €41k
2018 → 2025
Total assets
€661k▲ 12.2%
2024 · €589k
2018: €318k
2019: €314k
2020: €314k
2021: €314k
2022: €308k
2023: €309k
2024: €589k
2018 → 2025
Solvency
22.4%▼ 0.8pp
2024 · 23.2%
2018: 29.5%
2019: 31.0%
2020: 31.4%
2021: 30.7%
2022: 31.4%
2023: 30.9%
2024: 23.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€97k▲ 0.5%€95k▼ 1.5%€137k▲ 43.3%€148k▲ 8.3%
Operating result€-3k-€344€-2k€56k€44k▼ 21.4%
Net result€-2k-€446€-1k€41k€11k▼ 72.6%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€238k▼ 53.5%
Current assets
€423k▲ 451%
Equity and liabilities €661k
Equity
€148k▲ 8.3%
Provisions
€7k▼ 14.6%
Debt
€506k▲ 13.9%
The debt ratio rises from 75.4% to 76.6%: debt grows faster than equity.
Key figures and ratios
Solvency
22.4%▼
2024 · 23.2%
ROE
7.6%▼
2024 · 30.2%
ROA
1.7%▼
2024 · 7.0%
Debt
€506k▲
2024 · €445k
Debt ≤ 1 year
€506k▲
2024 · €444k
Income taxes
€10k▼
2024 · €15k
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€589k€661k▲
Fixed assets21/28€513k€238k▼
Tangible fixed assets22/27€243k€238k▼
Land and buildings22€243k€237k▼
Plant, machinery and equipment23-€760
Financial fixed assets28€270k-
Current assets29/58€77k€423k▲
Stocks and contracts in progress3-€7k
Stocks30/36-€7k
Amounts receivable within one year40/41€32k€185k▲
Trade receivables40-€181k
Other amounts receivable41€32k€3k▼
Current investments50/53€30k€74k▲
Cash at bank and in hand54/58€15k€157k▲
Deferred charges and accrued income490/1-€162
Equity and liabilities
Total equity and liabilities10/49€589k€661k▲
Equity10/15€137k€148k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€87k€87k=
Uncalled capital101€25k€25k=
Reserves13€75k€86k▲
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Tax-exempt reserves132€15k€13k▼
Distributable reserves133€51k€64k▲
Provisions and deferred taxes16€8k€7k▼
Deferred taxes168€8k€7k▼
Amounts payable17/49€445k€506k▲
Amounts payable within one year42/48€444k€506k▲
Trade debts44€5k€31k▲
Suppliers440/4€5k€31k▲
Taxes, remuneration and social security45€3k€16k▲
Taxes450/3€3k€16k▲
Other amounts payable47/48€435k€458k▲
Accrued charges and deferred income492/3€655€655=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€4k€8k▲
Gross operating margin9900€67k€60k▼
Operating profit (loss)9901€56k€44k▼
Financial income75/76B€2€3k▲
Recurring financial income75€2€3k▲
Financial charges65/66B€64€26k▲
Recurring financial charges65€64€11k▲
Non-recurring financial charges66B-€15k
Profit (loss) for the period before taxes9903€56k€21k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€15k€10k▼
Profit (loss) for the period9904€41k€11k▼
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€44k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€14k▼
Transfer to equity691/2€44k€14k▼
To other reserves6921€44k€14k▼
The notes to these accounts (7 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
31-12
Financial
Equity above €100kEq €137k ▲43.3%
Equity rises from €95k to €137k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Back to profitnet €446
Net result €446 after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-2k ▼254%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Veurne · 1 establishment unit since 2003
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.
Askappelplein 168630 VeurneGround area
669 m²
Building footprint
254 m²
Volume, LiDAR
1,357 m³
Parcel 38009B0060/00G000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DAVERBO
since 20032.127.015.208
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38009B0060/00G000 | Flanders | 669 m² | 1 · 254 m² | 8.0 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.
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MIKAN CONSULTING
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-03-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.