DE PESSEMIER
ActiveSummary
DE PESSEMIER has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269,041 and a net result of €14,266. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 72% of 11547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▼-29
Solvency94▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 2.65 against 1.81 in 2024; short-term debt: 31% and cash: 24.1% of total assets), and 31% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69%
Return on assets
3.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €269,041
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
42 d early
2023
54 d early
2022
45 d early
2021
82 d early
2020
54 d early
2019
92 d early
← 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 61 days before 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 8 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€269,041▲ 5.6%
2024 · €254,775
Total assets
€390,011▼ 17.0%
2024 · €469,754
Net result
€14,266▼ 65.2%
2024 · €40,972
Working capital
€199,746▲ 19.4%
2024 · €167,274
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. 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 fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€44,186▼ 0.6%€64,210▲ 45.3%€61,323▼ 4.5%€71,032▲ 15.8%€41,361▼ 41.8%
Net result€26,028within the sector's middle half▲ 64.8%€33,922within the sector's middle half▲ 30.3%€34,370within the sector's middle half▲ 1.3%€40,972above the sector's middle half▲ 19.2%€14,266within the sector's middle half▼ 65.2%
Equity€240,008within the sector's middle half▲ 12.2%€179,433within the sector's middle half▼ 25.2%€213,803within the sector's middle half▲ 19.2%€254,775above the sector's middle half▲ 19.2%€269,041above the sector's middle half▲ 5.6%
Total assets€473,283below the sector's middle half▲ 50.1%€405,139below the sector's middle half▼ 14.4%€472,073below the sector's middle half▲ 16.5%€469,754above the sector's middle half▼ 0.5%€390,011within the sector's middle half▼ 17.0%
Debt€233,275▲ 130%€225,706▼ 3.2%€258,270▲ 14.4%€214,979▼ 16.8%€120,970▼ 43.7%
Working capital€220,433within the sector's middle half▲ 19.5%€167,617within the sector's middle half▼ 24.0%€118,378within the sector's middle half▼ 29.4%€167,274above the sector's middle half▲ 41.3%€199,746above the sector's middle half▲ 19.4%
Solvency50.7%within the sector's middle half▼ 17.1pp44.3%within the sector's middle half▼ 6.4pp45.3%within the sector's middle half▲ 1.0pp54.2%within the sector's middle half▲ 8.9pp69.0%within the sector's middle half▲ 14.7pp
Current ratio1.94within the sector's middle half▼ 0.871.74within the sector's middle half▼ 0.201.51within the sector's middle half▼ 0.231.81within the sector's middle half▲ 0.302.65within the sector's middle half▲ 0.84
Return on assets (ROA)5.5%within the sector's middle half▲ 0.5pp8.4%within the sector's middle half▲ 2.9pp7.3%within the sector's middle half▼ 1.1pp8.7%within the sector's middle half▲ 1.4pp3.7%within the sector's middle half▼ 5.1pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
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 42% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €390,011
Fixed assets
€69,295 ▼ 28.1%
Current assets
€320,716 ▼ 14.1%
Equity and liabilities €390,011
Equity
€269,041 ▲ 5.6%
Debt
€120,970 ▼ 43.7%
Debt's share of the balance-sheet total falls from 45.8% to 31.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70,284▼
2024 · €100,192
Cash flow
€43,189▼
2024 · €70,132
Quick ratio
0.92▲
2024 · 0.65
Debt to equity
0.45▼
2024 · 0.84
ROE
5.3%▼
2024 · 16.1%
Interest coverage
3.37▼
2024 · 7.23
Debt ≤ 1 year
€120,970▼
2024 · €206,162
Income taxes
€7,192▼
2024 · €17,225
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €10,000 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,270 | €12,054 | €19,429 | €29,160 | €28,923 | ▼ 0.8% |
| Other operating charges640/8 | €866 | €975 | €997 | €838 | €974 | ▲ 16.2% |
| Gross operating margin9900 | €58,322 | €77,239 | €81,749 | €101,030 | €71,258 | ▼ 29.5% |
| Operating profit (loss)9901 | €44,186 | €64,210 | €61,323 | €71,032 | €41,361 | ▼ 41.8% |
| Financial income75/76B | €2,497 | €750 | €1,072 | €1,025 | €925 | ▼ 9.8% |
| Recurring financial income75 | €2,497 | €750 | €1,072 | €1,025 | €925 | ▼ 9.8% |
| Financial charges65/66B | €9,891 | €16,797 | €13,255 | €13,860 | €20,828 | ▲ 50.3% |
| Recurring financial charges65 | €9,891 | €16,797 | €13,255 | €13,860 | €20,828 | ▲ 50.3% |
| Profit (loss) for the period before taxes9903 | €36,792 | €48,163 | €49,140 | €58,197 | €21,458 | ▼ 63.1% |
| Income taxes67/77 | €10,764 | €14,241 | €14,770 | €17,225 | €7,192 | ▼ 58.2% |
| Profit (loss) for the period9904 | €26,028 | €33,922 | €34,370 | €40,972 | €14,266 | ▼ 65.2% |
| Profit (loss) for the period to be appropriated9905 | €26,028 | €33,922 | €34,370 | €40,972 | €14,266 | ▼ 65.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €473,283 | €405,139 | €472,073 | €469,754 | €390,011 | ▼ 17.0% |
| Fixed assets21/28 | €19,575 | €11,816 | €121,284 | €96,318 | €69,295 | ▼ 28.1% |
| Tangible fixed assets22/27 | €19,544 | €11,784 | €121,252 | €96,276 | €69,253 | ▼ 28.1% |
| Plant, machinery and equipment23 | €11,425 | €8,575 | €6,900 | €5,066 | €4,102 | ▼ 19.0% |
| Furniture and vehicles24 | €8,119 | €3,209 | €114,352 | €91,210 | €65,151 | ▼ 28.6% |
| Financial fixed assets28 | €31 | €32 | €32 | €42 | €42 | = |
| Current assets29/58 | €453,708 | €393,323 | €350,789 | €373,436 | €320,716 | ▼ 14.1% |
| Stocks and contracts in progress3 | €253,684 | €232,574 | €249,409 | €239,827 | €208,898 | ▼ 12.9% |
| Stocks30/36 | €253,684 | €232,574 | €249,409 | €239,827 | €208,898 | ▼ 12.9% |
| Amounts receivable within one year40/41 | €56,888 | €69,108 | €36,836 | €12,902 | €11,096 | ▼ 14.0% |
| Trade receivables40 | €12,681 | €23,675 | €13,556 | €4,925 | €3,099 | ▼ 37.1% |
| Other amounts receivable41 | €44,207 | €45,433 | €23,280 | €7,977 | €7,997 | ▲ 0.3% |
| Cash at bank and in hand54/58 | €138,987 | €88,034 | €60,383 | €116,620 | €93,929 | ▼ 19.5% |
| Deferred charges and accrued income490/1 | €4,149 | €3,607 | €4,161 | €4,087 | €6,793 | ▲ 66.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €473,283 | €405,139 | €472,073 | €469,754 | €390,011 | ▼ 17.0% |
| Equity10/15 | €240,008 | €179,433 | €213,803 | €254,775 | €269,041 | ▲ 5.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €221,408 | €160,833 | €195,203 | €236,175 | €250,441 | ▲ 6.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €219,548 | €158,973 | €195,203 | €236,175 | €250,441 | ▲ 6.0% |
| Amounts payable17/49 | €233,275 | €225,706 | €258,270 | €214,979 | €120,970 | ▼ 43.7% |
| Amounts payable after more than one year17 | - | - | €25,859 | €8,817 | - | - |
| Financial debts170/4 | - | - | €25,859 | €8,817 | - | - |
| Amounts payable within one year42/48 | €233,275 | €225,706 | €232,411 | €206,162 | €120,970 | ▼ 41.3% |
| Current portion of amounts payable after more than one year42 | - | - | €16,277 | €17,042 | €8,817 | ▼ 48.3% |
| Trade debts44 | €202,698 | €167,613 | €117,644 | €107,408 | €56,164 | ▼ 47.7% |
| Suppliers440/4 | €202,698 | €167,613 | €117,644 | €107,408 | €56,164 | ▼ 47.7% |
| Advances received on contracts in progress46 | €16,641 | €41,592 | €23,223 | €18,626 | €20,745 | ▲ 11.4% |
| Taxes, remuneration and social security45 | €13,936 | €16,501 | €18,059 | €10,373 | €9,784 | ▼ 5.7% |
| Taxes450/3 | €13,936 | €16,501 | €18,059 | €10,373 | €9,784 | ▼ 5.7% |
| Other amounts payable47/48 | - | - | €57,208 | €52,713 | €25,460 | ▼ 51.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,028 | €33,922 | €34,370 | €40,972 | €14,266 | ▼ 65.2% |
| + Depreciation and write-downs630 | €13,270 | €12,054 | €19,429 | €29,160 | €28,923 | ▼ 0.8% |
| Operating cash flow (approximation) | €39,298 | €45,976 | €53,799 | €70,132 | €43,189 | ▼ 38.4% |
| Investment in fixed assets (approximation) | - | -€4,295 | -€128,897 | -€4,194 | -€1,900 | ▲ 54.7% |
| Change in cash | - | -€50,953 | -€27,651 | €56,237 | -€22,691 | ▼ 140% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €40,972 ▲19.2%
Operating result €71,032, net result €40,972, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200,000Eq €213,803 ▲19.2%
6 profitable years in a row build equity to €213,803.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State 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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Directors · office · real estate
Directors
4 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, Maarkedal · 1 establishment unit since 2003
Ground area
4,700 m²
Building footprint
1,351 m²
Volume, LiDAR
5,372 m³
Parcel 45044B0012/00T000, Flanders · tallest building 8.3 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
De Pessemier
since 20032.133.728.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45044B0012/00T000 | Flanders | 4,700 m² | 1 · 1,351 m² | 8.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 1,743 companies in sector 46720 we hold annual accounts for 1,083. 755 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
46720Wholesale of motor vehicle parts and accessories
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0860857083
Also
9925:BE0860857083
Registered
22-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.