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DE BACKER M.

Active
Private limited companyfounded 201412 yrs activeSteenweg op Turnhout 4, 2360 Oud-Turnhout, BelgiumKBO/BCE: BE 0555.694.489
Summary

DE BACKER M. has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71,004 and a net result of €10,868. Equity is growing by ~57.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 13458 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
DE BACKER M.ActiveChecked score 87/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46331
1 site
Size
€102,235total assets 2025
Equity
€71,004
Profit
€10,868
Turnover not published (abridged schema)
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts filed 55 d late0 of 5 deeds read
Why 87- Latest accounts 55 days late; 3 of the last 3 late- Size: total assets €102,235+ Liquidity: current ratio 2.75, cash €37,525+ Founded in 2014Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 78% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 94+11
equity 69.5% of total assets
Liquidity 87+17
short-term debt 23.5% · cash 36.7%
Profitability 82-17
return on assets 10.6%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,788 companies)
Last 24 months 11-2024: 1.6% 12-2024: 1.6%● 0.0% vs 11-2024 01-2025: 1.4%▼ -13.0% vs 12-2024 02-2025: 1.4%▼ -1.9% vs 01-2025 03-2025: 1.4%▼ -1.4% vs 02-2025 04-2025: 1.4%▲ +2.5% vs 03-2025 05-2025: 1.5%▲ +8.2% vs 04-2025 06-2025: 1.5%▼ -4.0% vs 05-2025 07-2025: 1.5%▲ +1.6% vs 06-2025 08-2025: 2.3%▲ +52.0% vs 07-2025 09-2025: 3.2%▲ +39.6% vs 08-2025highest value 10-2025: 2.6%▼ -18.3% vs 09-2025 11-2025: 0.6%▼ -77.8% vs 10-2025 12-2025: 0.6%● 0.0% vs 11-2025 01-2026: 0.6%▼ -1.7% vs 12-2025 02-2026: 0.6%▼ -2.1% vs 01-2026 03-2026: 0.5%▼ -1.4% vs 02-2026 04-2026: 0.5%▼ -17.5% vs 03-2026 05-2026: 0.4%▼ -1.8% vs 04-2026 06-2026: 0.4%▼ -1.6% vs 05-2026 07-2026: 0.4%▲ +0.9% vs 06-2026 08-2026: 0.6%▲ +46.0% vs 07-2026 09-2026: 0.7%▲ +13.2% vs 08-2026 10-2026: 0.4%▼ -43.8% vs 09-2026lowest value
  • Latest accounts 55 days late; 3 of the last 3 late raises the probability
  • Liquidity: current ratio 2.75, cash €37,525 lowers the probability
  • Size: total assets €102,235 raises the probability for this profile
  • Founded in 2014 lowers the probability for this profile
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.75 against 2.07 in 2024; short-term debt: 23.5% and cash: 36.7% of total assets), and 30.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 74%, liquidity 87%, profitability 75%, growth against the median 74%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 55 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Liquidity: current ratio 2.75, cash €37,525
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Size: total assets €102,235
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 2014
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 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 filings
Deviation from the deadline
2025
55 d late
2024
66 d late
2023
68 d late
2022
61 d late
2021
40 d early
2020
107 d late
2019
132 d 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 64 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 30 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: 6 profitable years in a rowprofit 2025: €10,868 6 years View
  • Total assets 20256 fiscal years filed €102,235 View
  • Active since 2014founded 03-07-2014 12 years View

By topic

Financials

Fiscal year
2025
Total assets
€102,235
Profit
€10,868
Solvency
69.5%
Total assets▼ 1.6%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 24-09-2026Annual accounts filed
  2. 05-10-2025Annual accounts filed
  3. 07-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46331
Founded
03-07-2014
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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