DEBCA
ActiveSummary
DEBCA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €201,018 and a net result of €63,041. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 83% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-1
Solvency99▲+19
Growth62▲+21
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 9.75 against 3.0 in 2024; short-term debt: 10.2% and cash: 72.6% of total assets), and 25.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
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
74.5%
Return on assets
23.4%
Age of the figures
9 mo
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 09-04-2026, 113 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
113 d early
2024
94 d late
2023
273 d late
2022
202 d late
2021
78 d late
2020
46 d early
2019
319 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 115 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 2 November (4 of the last 5 filed years within 180 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€980,572▲ 3.1%
2022 · €951,459
EBIT margin
6.8%▲ 5.0pp
2022 · 1.8%
Net result
€63,041▲ 119%
2024 · €28,786
Working capital
€240,193▲ 47.7%
2024 · €162,620
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€999,350€951,459▼ 4.8%€980,572
Operating result€17,553▼ 54.3%€17,063▼ 2.8%€3,354▼ 80.3%€35,300▲ 953%€66,368▲ 88.0%
Net result€7,062within the sector's middle half▼ 65.7%€5,288within the sector's middle half▼ 25.1%-€9,205below the sector's middle half€28,786above the sector's middle half€63,041above the sector's middle half▲ 119%
EBIT margin1.8%1.8%=6.8%
Equity€114,508within the sector's middle half▲ 6.6%€113,805within the sector's middle half▼ 0.6%€102,555within the sector's middle half▼ 9.9%€137,978above the sector's middle half▲ 34.5%€201,018above the sector's middle half▲ 45.7%
Total assets€167,286within the sector's middle half▼ 14.8%€174,151within the sector's middle half▲ 4.1%€159,094within the sector's middle half▼ 8.6%€249,105within the sector's middle half▲ 56.6%€269,975within the sector's middle half▲ 8.4%
Debt€52,778▼ 40.7%€60,346▲ 14.3%€56,538▼ 6.3%€111,128▲ 96.6%€68,956▼ 37.9%
Working capital€107,610above the sector's middle half▼ 7.5%€99,581above the sector's middle half▼ 7.5%€94,484above the sector's middle half▼ 5.1%€162,620above the sector's middle half▲ 72.1%€240,193above the sector's middle half▲ 47.7%
Solvency68.5%above the sector's middle half▲ 13.7pp65.3%above the sector's middle half▼ 3.1pp64.5%above the sector's middle half▼ 0.9pp55.4%within the sector's middle half▼ 9.1pp74.5%above the sector's middle half▲ 19.1pp
Current ratio3.28above the sector's middle half▲ 0.662.65within the sector's middle half▼ 0.632.67within the sector's middle half▲ 0.023.00above the sector's middle half▲ 0.339.75above the sector's middle half▲ 6.75
Return on assets (ROA)4.2%within the sector's middle half▼ 6.3pp3.0%within the sector's middle half▼ 1.2pp-5.8%below the sector's middle half▼ 8.8pp11.6%within the sector's middle half▲ 17.3pp23.4%above the sector's middle half▲ 11.8pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 88% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269,975
Fixed assets
€2,330 ▼ 53.8%
Current assets
€267,645 ▲ 9.7%
Equity and liabilities €269,975
Equity
€201,018 ▲ 45.7%
Debt
€68,956 ▼ 37.9%
Debt's share of the balance-sheet total falls from 44.6% to 25.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69,086▲
2024 · €38,323
Cash flow
€65,759▲
2024 · €31,810
Quick ratio
7.18▲
2024 · 2.50
Debt to equity
0.34▼
2024 · 0.81
ROE
31.4%▲
2024 · 20.9%
Interest coverage
20.76▲
2024 · 5.88
Debt ≤ 1 year
€27,453▼
2024 · €81,438
Debt > 1 year
€41,504▲
2024 · €29,690
Staff costs
€26,280▼
2024 · €96,203
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 31,349 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €999,350 | €951,459 | - | - | €980,572 | - |
| Goods, raw materials, services and sundry goods60/61 | €1.1m | €979,625 | - | - | €884,489 | - |
| Remuneration, social security and pensions62 | €58,572 | €58,126 | €66,310 | €96,203 | €26,280 | ▼ 72.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,844 | €3,246 | €6,153 | €3,024 | €2,718 | ▼ 10.1% |
| Other operating charges640/8 | €3,980 | €2,918 | €2,185 | €2,050 | €716 | ▼ 65.1% |
| Gross operating margin9900 | €83,950 | €81,353 | €78,002 | €136,576 | €96,083 | ▼ 29.6% |
| Operating profit (loss)9901 | €17,553 | €17,063 | €3,354 | €35,300 | €66,368 | ▲ 88.0% |
| Financial income75/76B | €1,537 | €353 | €49 | - | - | - |
| Recurring financial income75 | €1,537 | €353 | €49 | - | - | - |
| Financial charges65/66B | €5,671 | €7,418 | €9,518 | €6,513 | €3,328 | ▼ 48.9% |
| Recurring financial charges65 | €5,671 | €7,418 | €9,518 | €6,513 | €3,328 | ▼ 48.9% |
| Profit (loss) for the period before taxes9903 | €13,420 | €9,998 | -€6,114 | €28,786 | €63,041 | ▲ 119% |
| Income taxes67/77 | €6,358 | €4,709 | €3,091 | - | - | - |
| Profit (loss) for the period9904 | €7,062 | €5,288 | -€9,205 | €28,786 | €63,041 | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | €7,062 | €5,288 | -€9,205 | €28,786 | €63,041 | ▲ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €167,286 | €174,151 | €159,094 | €249,105 | €269,975 | ▲ 8.4% |
| Fixed assets21/28 | €12,437 | €14,224 | €8,072 | €5,048 | €2,330 | ▼ 53.8% |
| Intangible fixed assets21 | €0 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €11,603 | €13,390 | €7,237 | €4,213 | €1,495 | ▼ 64.5% |
| Land and buildings22 | €3,716 | €2,856 | €1,996 | €1,136 | €276 | ▼ 75.7% |
| Plant, machinery and equipment23 | €0 | €0 | - | - | - | - |
| Furniture and vehicles24 | - | €4,677 | €3,313 | €1,949 | €891 | ▼ 54.3% |
| Leasing and similar rights25 | €0 | - | - | - | - | - |
| Other tangible fixed assets26 | €7,888 | €5,858 | €1,929 | €1,129 | €329 | ▼ 70.9% |
| Financial fixed assets28 | €834 | €834 | €834 | €834 | €834 | = |
| Current assets29/58 | €154,848 | €159,927 | €151,022 | €244,058 | €267,645 | ▲ 9.7% |
| Stocks and contracts in progress3 | €21,252 | €26,341 | €40,242 | €40,242 | €70,486 | ▲ 75.2% |
| Stocks30/36 | €21,252 | €26,341 | €40,242 | €40,242 | €70,486 | ▲ 75.2% |
| Amounts receivable within one year40/41 | €30,375 | €8,125 | €9,118 | €10,722 | - | - |
| Trade receivables40 | €9,672 | €3,116 | - | - | - | - |
| Other amounts receivable41 | €20,703 | €5,009 | €9,118 | €10,722 | - | - |
| Cash at bank and in hand54/58 | €98,632 | €122,860 | €99,061 | €189,993 | €195,879 | ▲ 3.1% |
| Deferred charges and accrued income490/1 | €4,589 | €2,601 | €2,601 | €3,101 | €1,281 | ▼ 58.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €167,286 | €174,151 | €159,094 | €249,105 | €269,975 | ▲ 8.4% |
| Equity10/15 | €114,508 | €113,805 | €102,555 | €137,978 | €201,018 | ▲ 45.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | - | €18,600 | €18,600 | - | - |
| Issued capital100 | - | - | €18,600 | €18,600 | - | - |
| Reserves13 | €3,260 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €1,400 | €0 | - | - | - | - |
| Profit (loss) carried forward14 | €92,648 | €93,345 | €82,095 | €117,518 | €180,558 | ▲ 53.6% |
| Amounts payable17/49 | €52,778 | €60,346 | €56,538 | €111,128 | €68,956 | ▼ 37.9% |
| Amounts payable after more than one year17 | €5,539 | €0 | - | €29,690 | €41,504 | ▲ 39.8% |
| Financial debts170/4 | €5,539 | €0 | - | - | - | - |
| Trade debts175 | - | - | - | - | €41,504 | - |
| Other amounts payable178/9 | - | - | - | €29,690 | - | - |
| Amounts payable within one year42/48 | €47,238 | €60,346 | €56,538 | €81,438 | €27,453 | ▼ 66.3% |
| Current portion of amounts payable after more than one year42 | €11,343 | €5,880 | €2,080 | €328 | €0 | ▼ 100% |
| Trade debts44 | €25,464 | €36,775 | €46,971 | €57,696 | €27,453 | ▼ 52.4% |
| Suppliers440/4 | €25,464 | €36,775 | €46,971 | €57,696 | €27,453 | ▼ 52.4% |
| Taxes, remuneration and social security45 | €10,431 | €4,112 | €1,784 | €11,264 | €0 | ▼ 100% |
| Taxes450/3 | €1 | €0 | - | - | - | - |
| Remuneration and social security454/9 | €10,430 | €4,112 | €1,784 | €11,264 | €0 | ▼ 100% |
| Other amounts payable47/48 | €0 | €13,579 | €5,704 | €12,150 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,062 | €5,288 | -€9,205 | €28,786 | €63,041 | ▲ 119% |
| + Depreciation and write-downs630 | €3,844 | €3,246 | €6,153 | €3,024 | €2,718 | ▼ 10.1% |
| Operating cash flow (approximation) | €10,906 | €8,534 | -€3,052 | €31,810 | €65,759 | ▲ 107% |
| Investment in fixed assets (approximation) | - | -€5,033 | €0 | €0 | €0 | - |
| Change in cash | - | €24,228 | -€23,798 | €90,932 | €5,886 | ▼ 93.5% |
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
03-07
State Gazette act
Resignation: Carmelo Roberto (director)Appointment: Carmelo Roberto (director) · Director discharge · Share transfer6 facts ▸
State Gazette act
Resignation: Carmelo Roberto (director)
Appointment: Carmelo Roberto (director) · Director discharge · Share transfer6 facts ▸
- Board meeting, 31-01-2026
- Director resignation, Carmelo Roberto (director)
- Director discharge, Carmelo Roberto (director)
- Share transfer, Carmelo Roberto → Gaeta Luigi
- Director appointment, Carmelo Roberto (director)
- Other statement, livre des actionnaires, mis à jour en conséquence
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €63,041 ▲119%
Operating result €66,368, net result €63,041, both a record.
31-12
Financial
Liquidity triplescurrent ratio 9.75
Current ratio from 3.00 to 9.75; short-term debt falls from €81,438 to €27,453.
31-12
Financial
Equity above €200,000Eq €201,018 ▲45.7%
2 profitable years in a row build equity to €201,018.
02-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 94 days late
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 273 days late
2024
31-12
Financial
Back to profitnet €28,786
Net result €28,786 after one loss-making year.
18-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 202 days late
2023
31-12
Financial
Weakest financial yearnet -€9,205
Net result drops to -€9,205, the lowest in the series; recovery starts the following year.
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 319 days late
15-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 685 days late
2020
31-12
Financial
Back to profitnet €20,606
Net result €20,606 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €107,446 ▲23.7%
Equity rises from €86,840 to €107,446.
2019
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 252 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 director, last change in 2026
Carmelo Roberto
CurrentDirector · since 03-07-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Anderlecht · 2 establishment units since 2003
Ground area
2.4 ha
Building footprint
4,210 m²
Volume, LiDAR
64,261 m³
2 parcels, Brussels, Wallonia · tallest building 20.6 m, ±5 floors. Linked by address, not a title deed.
91
companies at this address
See who is registered here
2 establishment units
DEBCA
since 20032.131.469.585
DEBCA
since 20252.380.740.086
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307F0126/00G000 | Brussels | 2.4 ha | 1 · 4,149 m² | 20.6 m · 5 fl. |
| 25105C0017/00B002 | Wallonia | 133 m² | 1 · 61 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Carmelo Roberto |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Similar companies · same sector, comparable size
LOCHIE
BE 0463.441.254
Tienen · Eq €200,651
M.A.SH
BE 0782.635.095
Vilvoorde · Eq €199,568
Bakkerij Hanssens
BE 1002.218.648
Nazareth-De Pinte · Eq €199,452
CREVA
BE 0542.385.693
Zutendaal · Eq €203,121
Patisserie Etienne
BE 0799.556.548
Geraardsbergen · Eq €198,886
Of 2,403 companies in sector 47241 we hold annual accounts for 1,101. 819 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
Founded09-05-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
43222Installation of electric heating, air conditioning, cooling and ventilation
43350Other building finishing work
43410Roofing work
46180Agents specialised in the wholesale of other particular products
47252Retail sale of beverages, general range
49420Removal services
81220Other building cleaning and industrial cleaning
82990Other business support services
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.