DE BACKER MANAGEMENT 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 €3.21M and a net result of €851k. Equity is growing by ~35.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 5523 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
43 d early
2023
55 d early
2022
48 d early
2021
39 d early
2020
44 d early
2019
57 d early
← 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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.21M▲ 36.1%
2024 · €2.36M
2019: €516k
2020: €838k
2021: €1.11M
2022: €1.07M
2023: €2.27M
2024: €2.36M
2019 → 2025
Net result
€851k▲ 854%
2024 · €89k
2019: €96k
2020: €322k
2021: €272k
2022: €238k
2023: €1.19M
2024: €89k
2019 → 2025
Total assets
€3.24M▲ 30.0%
2024 · €2.49M
2019: €549k
2020: €924k
2021: €1.18M
2022: €1.12M
2023: €2.51M
2024: €2.49M
2019 → 2025
Solvency
99.1%▲ 4.5pp
2024 · 94.6%
2019: 94.0%
2020: 90.7%
2021: 93.7%
2022: 95.5%
2023: 90.3%
2024: 94.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€1.07M▼ 3.3%€2.27M▲ 111%€2.36M▲ 3.9%€3.21M▲ 36.1%
Operating result€-24k-€39k€68k▲ 75.2%€120k▲ 77.6%€123k▲ 2.3%
Net result€272k-€238k▼ 12.5%€1.19M▲ 402%€89k▼ 92.5%€851k▲ 854%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.24M
Fixed assets
€1.76M▲ 0.4%
Current assets
€1.47M▲ 101%
Equity and liabilities €3.24M
Equity
€3.21M▲ 36.1%
Debt
€30k▼ 77.6%
The debt ratio falls from 5.4% to 0.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.1%▲
2024 · 94.6%
ROE
26.5%▲
2024 · 3.8%
ROA
26.3%▲
2024 · 3.6%
Debt
€30k▼
2024 · €134k
Debt ≤ 1 year
€30k▼
2024 · €117k
Debt > 1 year
€0▼
2024 · €17k
Income taxes
€30k▲
2024 · €25k
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€2.49M€3.24M▲
Fixed assets21/28€1.76M€1.76M▲
Tangible fixed assets22/27€294k€282k▼
Land and buildings22€294k€282k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Financial fixed assets28€1.46M€1.48M▲
Current assets29/58€734k€1.47M▲
Amounts receivable within one year40/41€41k€443k▲
Trade receivables40€884€53k▲
Other amounts receivable41€40k€390k▲
Current investments50/53€62k€8k▼
Cash at bank and in hand54/58€631k€1.02M▲
Equity and liabilities
Total equity and liabilities10/49€2.49M€3.24M▲
Equity10/15€2.36M€3.21M▲
Contributions10/11€302k€302k=
Reserves13€2.05M€2.90M▲
Non-distributable reserves130/1€30k€30k=
Reserves not available under the articles1311€30k€30k=
Distributable reserves133€2.02M€2.87M▲
Amounts payable17/49€134k€30k▼
Amounts payable after more than one year17€17k€0▼
Financial debts170/4€17k€0▼
Amounts payable within one year42/48€117k€30k▼
Current portion of amounts payable after more than one year42€102k€17k▼
Trade debts44€0€165▲
Suppliers440/4€0€165▲
Taxes, remuneration and social security45€15k€13k▼
Taxes450/3€15k€13k▼
Income statement
Code20242025
Non-recurring operating income76A€28k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€11k▼
Other operating charges640/8€14k€6k▼
Non-recurring operating charges66A€17k€0▼
Gross operating margin9900€178k€140k▼
Operating profit (loss)9901€120k€123k▲
Financial income75/76B€3k€760k▲
Recurring financial income75€3k€760k▲
Financial charges65/66B€9k€2k▼
Recurring financial charges65€9k€2k▼
Profit (loss) for the period before taxes9903€114k€881k▲
Income taxes67/77€25k€30k▲
Profit (loss) for the period9904€89k€851k▲
Profit (loss) for the period to be appropriated9905€89k€851k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€851k▲
Transfer to equity691/2€89k€851k▲
To other reserves6921€89k€851k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Liquidity times 8current ratio 49.28
Current ratio from 6.29 to 49.28; short-term debt falls from €117k to €30k.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Weakest financial yearnet €89k ▼92.5%
Net result drops to €89k, the lowest in the series; recovery starts the following year.
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Highest result since 2019net €1.19M ▲402%
Net result €1.19M, the highest in the series.
30-06
Financial
Equity above €2MEq €2.27M ▲111%
5 profitable years in a row build equity to €2.27M.
2022
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Liquidity doublescurrent ratio 15.21
Current ratio from 6.53 to 15.21; short-term debt falls from €54k to €33k.
30-06
Financial
Equity above €1MEq €1.11M ▲32.4%
3 profitable years in a row build equity to €1.11M.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
06-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ravels · 1 establishment unit since 2017
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.
Weteringstraat 382380 RavelsGround area
431 m²
Building footprint
86 m²
Volume, LiDAR
427 m³
Parcel 13035C0078/00A002, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DE BACKER MANAGEMENT
since 20172.266.301.268
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13035C0078/00A002 | Flanders | 431 m² | 1 · 86 m² | 9.3 m · 1 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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 9,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2017
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.