Equity
€177,741 ▼ 29.3%
DEBA paid out €105,000 in dividends. That is 334% of the 2025 profit.
DEBA
Lifetime
16 annual accounts with figures on one time axispeak €138,958 (2018)
€38,756▲ €54,097
lowest -€44,447 (2023)
€31,403▲ €52,216
peak €316,598 (2022)
€177,741▼ 29.3%
€90,670▲ 210%
Board3 names since 2008
2 directorsRADU Daniel and 1 other
Owners3 names in the annual accounts
Documentsfilings and deeds
30-01-20261 day before the deadline
2025micro format
Gross margin from -€15,340 to €38,756Back to profit: €31,403Dividend €105,000Equity from €251,337 to €177,741Debts from €29,248 to €90,670Cash from €186,194 to €34,358
Key points
from the 2025 annual accountsResult
€31,403 €31,403
Back in profit in 2025, after a loss of €20,813 in 2024.
Debts
€90,670 ▲ 210%
Debts rose by €61,421 in 2025.
Payment terms
51 days to suppliers
DEBA pays its suppliers 29 days later than in 2024. Customers pay 37 days later.
Liquidity
3.42 was 11.03 in 2024
Short-term debts rose from €29,248 to €90,670.
Position in the sector
€177,741
More equity than 81% of companies in specialised construction. Sector median €57,716 · 35,168 companies.
Checked score
84
Excellent
Financially stronger than 46% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.3%▲ +0.1 percentage points vs 01-2025
03-2025: 0.2%▼ -0.1 percentage points vs 02-2025lowest value
04-2025: 0.2%● unchanged vs 03-2025lowest value
05-2025: 0.2%● unchanged vs 04-2025lowest value
06-2025: 0.2%● unchanged vs 05-2025lowest value
07-2025: 0.2%● unchanged vs 06-2025lowest value
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.3%▲ +0.1 percentage points vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026highest value
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: turnover €460,341, total assets €311,762
Sector: Specialised construction activities (NACE 43)
lowers risk
Founded in 2008
Liquidity: current ratio 3.42, cash €34,358, halved
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 62% of them on solvency, 47% on liquidity, 39% on profitability and 36% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as DEBA has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of DEBA itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for DEBA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.42 (11.03 in 2024), above the usual 1.5. Short-term debt is 29.1% and cash 11% of total assets. 43% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
on the day
2023
1 day early
2022
4 days early
2021
16 days late
2020
87 days late
2019
23 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 11 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 30 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end11-11-2026 today31-01-2027 deadline
Board and ownership
- CATALIN VINARSAR 47.31%annual accounts 30-06-2018
- DANIEL RADU 47.31%annual accounts 30-06-2018
- ANA MARIA GHERGHINOIU 5.38%annual accounts 30-06-2018
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0806314478
Changes of role: VINARSAR Catalin (director) and RADU Daniel (director)
Director discharge: VINARSAR Catalin · Director discharge: RADU Daniel · Gazette deed
Resignation: RADU MIRELA (manager)
Transfer of 28 shares from RADU MIRELA to RADU DANIEL · Transfer of 30 shares from RADU DANIEL to VINARSAR CATALIN · RADU DANIEL holds 88 shares · General meeting of 29-09-2017 · Gazette deed
First establishment
DEBA sprl, Avenue des Alliés 42, Charleroi
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DEBA Charleroi | €460,341 | 7.0% | 57.0% | - |
| BDW-projects Lievegem | - | - | 73.5% | - |
| J.M. CONCEPT Ixelles | €226,931 | 0.9% | 90.5% | - |
| DIMITRI PEELMAN Hamme (Vl.) | - | - | 85.1% | - |
| QUINTIS Maasmechelen | - | - | 91.5% | - |
| S.A. WINANT MARRA IMMOBILIER Jemeppe-sur-Sambre | - | - | 1.8% | 0.3 |
| ETHA Asse | - | - | 36.8% | - |
Grey: the largest companies of the sector (specialised construction (NACE 43)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as DEBA: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €269,000 and €371,000, founded between 2006 and 2010.
Official details
Source: KBO- Status
- Active since 12-09-2008Normal situation
- Activity
- Other building finishing workNACE 43350and 24 others
- Establishment unit
- 2.173.876.4036000 Charleroi, since 27-10-2008
- Financial year end
- 30 June
- Peppol
- Reachable since 09-01-2026
Annual accounts to 30-06-2025
- €311,762▼ 3.8%
- ≈ 0 FTEestimated
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on DEBA
DEBA files the micro format. That format states no turnover. The gross margin rose from €20,212 in 2010 to €38,756 in 2025.
The balance sheet grew most from 2012 to 2014 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DEBA
- What is the company number of DEBA?
- The company number of DEBA is 0806.314.478. The VAT number is the same number with BE in front: BE 0806.314.478.
- Where is DEBA based?
- The registered office is at Avenue des Alliés 42, 6000 Charleroi.Company details
- What does DEBA do?
- According to the KBO register, the main activity is other building finishing work (NACE 43350).
- What is the legal form of DEBA?
- DEBA is a private limited company (BV).
- When was DEBA founded?
- DEBA was founded on 12-09-2008.
- Is DEBA still active?
- Yes, DEBA is an active enterprise in the KBO register.
- What is the turnover of DEBA?
- The turnover of DEBA was €460,341 in financial year 2025, according to the filed annual accounts.Financials
- Is DEBA profitable?
- In financial year 2025, DEBA made a profit of €31,403.
- Where can I find the annual accounts of DEBA?
- DEBA filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DEBA due?
- DEBA must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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