DEBANI
ActiveDEBANI has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €28k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+6
Solvency47▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.49 in 2024; short-term debt: 42.1% and cash: 25.9% of total assets), but 77.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 27-11-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
5 d early
2023
6 d early
2022
5 d early
2021
32 d early
2020
4 d early
2019
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close23-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€134k▲ 25.1%
2024 · €107k
2019: €106k
2020: €78k
2021: €77k
2022: €104k
2023: €137k
2024: €107k
2019 → 2025
Total assets
€601k▲ 16.1%
2024 · €517k
2019: €567k
2020: €458k
2021: €510k
2022: €514k
2023: €543k
2024: €517k
2019 → 2025
Net result
€28k▲ 1,924%
2024 · €1k
2019: €14k
2020: €-28k
2021: €23k
2022: €29k
2023: €74k
2024: €1k
2019 → 2025
Working capital
€182k▲ 35.3%
2024 · €134k
2019: €94k
2020: €96k
2021: €105k
2022: €126k
2023: €168k
2024: €134k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€104k▲ 35.5%€137k▲ 31.8%€107k▼ 21.8%€134k▲ 25.1%
Operating result€28k-€44k▲ 59.0%€90k▲ 102%€9k▼ 90.3%€46k▲ 422%
Net result€23k-€29k▲ 26.7%€74k▲ 159%€1k▼ 98.2%€28k▲ 1,924%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 422% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €601k
Fixed assets
€166k▲ 51.9%
Current assets
€435k▲ 6.6%
Equity and liabilities €601k
Equity
€134k▲ 25.1%
Provisions
€36k=
Debt
€431k▲ 15.1%
The debt ratio falls from 72.4% to 71.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€99k▲
2024 · €65k
Cash flow
€81k▲
2024 · €58k
Solvency
22.3%▲
2024 · 20.7%
Current ratio
1.72▲
2024 · 1.49
Quick ratio
1.26▲
2024 · 1.01
Debt / equity
3.22▼
2024 · 3.50
ROE
20.8%▲
2024 · 1.3%
ROA
4.6%▲
2024 · 0.3%
Interest coverage
14.55▲
2024 · 10.56
Debt
€431k▲
2024 · €374k
Debt ≤ 1 year
€253k▼
2024 · €274k
Debt > 1 year
€176k▲
2024 · €99k
Income taxes
€11k▲
2024 · €2k
Staff costs
€240k▲
2024 · €146k
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€517k€601k▲
Fixed assets21/28€109k€166k▲
Intangible fixed assets21€25k-
Tangible fixed assets22/27€84k€166k▲
Plant, machinery and equipment23€18k€18k▼
Furniture and vehicles24€4k€19k▲
Leasing and similar rights25€31k€88k▲
Other tangible fixed assets26€31k€41k▲
Current assets29/58€408k€435k▲
Stocks and contracts in progress3€131k€117k▼
Stocks30/36€131k€117k▼
Amounts receivable within one year40/41€110k€148k▲
Trade receivables40€34k€39k▲
Other amounts receivable41€76k€110k▲
Cash at bank and in hand54/58€149k€156k▲
Deferred charges and accrued income490/1€18k€14k▼
Equity and liabilities
Total equity and liabilities10/49€517k€601k▲
Equity10/15€107k€134k▲
Contributions10/11€19k€19k=
Reserves13€85k€85k=
Tax-exempt reserves132€50k€50k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€3k€30k▲
Provisions and deferred taxes16€36k€36k=
Provisions for liabilities and charges160/5€36k€36k=
Pensions and similar obligations160€36k€36k=
Amounts payable17/49€374k€431k▲
Amounts payable after more than one year17€99k€176k▲
Financial debts170/4€78k€156k▲
Other amounts payable178/9€21k€20k▼
Amounts payable within one year42/48€274k€253k▼
Current portion of amounts payable after more than one year42€38k€54k▲
Trade debts44€171k€152k▼
Suppliers440/4€171k€152k▼
Taxes, remuneration and social security45€33k€45k▲
Taxes450/3€12k€18k▲
Remuneration and social security454/9€21k€27k▲
Other amounts payable47/48€32k€2k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€18k
Remuneration, social security and pensions62€146k€240k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€54k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€33k€3k▼
Gross operating margin9900€244k€345k▲
Operating profit (loss)9901€9k€46k▲
Financial income75/76B€778€235▼
Recurring financial income75€778€235▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€3k€39k▲
Income taxes67/77€2k€11k▲
Profit (loss) for the period9904€1k€28k▲
Profit (loss) for the period to be appropriated9905€1k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€31k▼
Profit (loss) brought forward from the previous period14P€33k€3k▼
Profit to be distributed694/7€31k€950▼
Return on contributions (dividend)694€30k-
Employees696€1k€950▼
Social balance
Average headcount (FTE)90872.83.9▲
The notes to these accounts (20 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
25-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-04
Financial
Highest result since 2019net €74k ▲159%
Operating result €90k, net result €74k, both a record.
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-04
Financial
Equity above €100kEq €104k ▲35.5%
2 profitable years in a row build equity to €104k.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-04
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-04
Financial
Weakest financial yearnet €-28k ▼299%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-11
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.
Directors · office · real estate
Directors
7 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, Middelkerke · 1 establishment unit since 2004
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.
Lisdoddenstraat 158430 MiddelkerkeGround area
1,064 m²
Building footprint
1,171 m²
Volume, LiDAR
5,804 m³
Parcel 35011A0426/00K000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AUTO 5
since 20042.137.908.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35011A0426/00K000 | Flanders | 1,064 m² | 1 · 1,171 m² | 7.0 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 500 EUR awarded · 500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 siteMiddelkerke2.137.908.209
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GARAGE BUDA
BE 0435.093.203
Machelen (Brab.) · Eq €138k
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BE 0419.395.336
Ukkel · Eq €129k
Of 2,444 companies in sector 47820 we hold annual accounts for 777. 592 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-2004
Fiscal year end30-04
Activities, NACEBEL
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
50301
50302
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.