DEBCA
ActiveSummary
DEBCA has been active since 2003 and the Belgian Official 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 about 7% per year across the filed financial years. Its solvency ranks better than 84% of 22,679 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
- Staff
- ≈ 0.7 FTE, estimated
- Equity
- €201,018
- Profit
- €63,041
Why 89raises risk1 change of registered office in 24 months2 of the last 3 latelowers riskLiquidity: current ratio 9.75, cash €195,879Equity €201,018 (74.5% of total assets)Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 84% on solvency, 97% on liquidity, 74% on profitability and 85% on growth.
The bankruptcy probability was computed on 30-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 115 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
- Resignation: Carmelo Roberto (director)Appointment: Carmelo Roberto (director) ·…
- Annual accounts filedfinancial year 2025 · micro…
- Highest result from 2018 to 2025net €63,041 ▲119%
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
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.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 31,368 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93.5% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,445 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% | 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 31,368 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €1.0m | €1.0m | - | - | €1.0m | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €1.1m | €1.0m | - | - | €0.9m | - |
| Remuneration, social security and pensions62 | - | - | - | €0.06m | €0.06m | €0.07m | €0.1m | €0.03m | ▼ 72.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.01m | €0.003m | €0.003m | €0.004m | €0.003m | €0.006m | €0.003m | €0.003m | ▼ 10.1% |
| Other operating charges640/8 | - | - | - | €0.004m | €0.003m | €0.002m | €0.002m | €0.001m | ▼ 65.1% |
| Gross operating margin9900 | €0.08m | €0.05m | €0.09m | €0.08m | €0.08m | €0.08m | €0.1m | €0.1m | ▼ 29.6% |
| Operating profit (loss)9901 | €0.04m | €0.003m | €0.04m | €0.02m | €0.02m | €0.003m | €0.04m | €0.07m | ▲ 88.0% |
| Financial income75/76B | - | - | - | €0.002m | €353 | €49 | - | - | - |
| Recurring financial income75 | €7 | €1 | €0.001m | €0.002m | €353 | €49 | - | - | - |
| Financial charges65/66B | - | - | - | €0.006m | €0.007m | €0.01m | €0.007m | €0.003m | ▼ 48.9% |
| Recurring financial charges65 | €0.005m | €0.004m | €0.02m | €0.006m | €0.007m | €0.01m | €0.007m | €0.003m | ▼ 48.9% |
| Profit (loss) for the period before taxes9903 | €0.03m | -€0.001m | €0.02m | €0.01m | €0.01m | -€0.006m | €0.03m | €0.06m | ▲ 119% |
| Income taxes67/77 | - | - | €0.002m | €0.006m | €0.005m | €0.003m | - | - | - |
| Profit (loss) for the period9904 | €0.03m | -€0.001m | €0.02m | €0.007m | €0.005m | -€0.009m | €0.03m | €0.06m | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | €0.03m | -€0.001m | €0.02m | €0.007m | €0.005m | -€0.009m | €0.03m | €0.06m | ▲ 119% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €137,834 | €146,951 | €196,377 | €167,286 | €174,151 | €159,094 | €249,105 | €269,975 | ▲ 8.4% |
| Fixed assets21/28 | €11,949 | €11,239 | €7,979 | €12,437 | €14,224 | €8,072 | €5,048 | €2,330 | ▼ 53.8% |
| Intangible fixed assets21 | - | - | - | €0 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €11,115 | €10,405 | €7,145 | €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 | €834 | €834 | €834 | = |
| Current assets29/58 | €125,885 | €135,712 | €188,398 | €154,848 | €159,927 | €151,022 | €244,058 | €267,645 | ▲ 9.7% |
| Stocks and contracts in progress3 | €39,150 | €39,277 | €53,149 | €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 | €42,087 | €21,314 | €49,063 | €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 | €39,351 | €66,006 | €84,796 | €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 | €137,834 | €146,951 | €196,377 | €167,286 | €174,151 | €159,094 | €249,105 | €269,975 | ▲ 8.4% |
| Equity10/15 | €92,710 | €86,840 | €107,446 | €114,508 | €113,805 | €102,555 | €137,978 | €201,018 | ▲ 45.7% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | - | - | - | - | €18,600 | €18,600 | - | - |
| Issued capital100 | - | - | - | - | - | €18,600 | €18,600 | - | - |
| Reserves13 | €3,260 | €3,260 | €3,260 | €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 | €70,850 | €64,980 | €85,586 | €92,648 | €93,345 | €82,095 | €117,518 | €180,558 | ▲ 53.6% |
| Amounts payable17/49 | €45,124 | €60,112 | €88,931 | €52,778 | €60,346 | €56,538 | €111,128 | €68,956 | ▼ 37.9% |
| Amounts payable after more than one year17 | €25,583 | €29,037 | €16,883 | €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 | €19,541 | €31,074 | €72,049 | €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 | - | €15,034 | €56,793 | €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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,945 | -€1,279 | €20,606 | €7,062 | €5,288 | -€9,205 | €28,786 | €63,041 | ▲ 119% |
| + Depreciation and write-downs630 | €13,625 | €3,260 | €3,260 | €3,844 | €3,246 | €6,153 | €3,024 | €2,718 | ▼ 10.1% |
| Operating cash flow (approximation) | €47,570 | €1,981 | €23,866 | €10,906 | €8,534 | -€3,052 | €31,810 | €65,759 | ▲ 107% |
| Investment in fixed assets (approximation) | - | -€2,550 | €0 | -€8,303 | -€5,033 | €0 | €0 | €0 | - |
| Change in cash | - | €26,655 | €18,790 | €13,836 | €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.
Latest 10 of 22 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 09-04-2026 | 2026-00075858 |
| 31-12-2024 | micro format | 02-11-2025 | 2025-00559026 |
| 31-12-2023 | micro format | 30-04-2025 | 2025-00083203 |
| 31-12-2022 | micro format | 18-02-2024 | 2024-00031294 |
| 31-12-2021 | micro format | 17-10-2022 | 2022-20462292 |
| 31-12-2020 | micro format | 15-06-2021 | 2021-20000283 |
| 31-12-2019 | micro format | 15-06-2021 | 2021-20000282 |
| 31-12-2018 | micro format | 15-06-2021 | 2021-20000280 |
| 31-12-2017 | micro format | 09-04-2019 | 2019-10000488 |
| 31-12-2016 | micro format | 29-08-2017 | 2017-53600292 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Carmelo Roberto |
|
| Débilio Carmelo |
|
Owners and capital
Capital and shareholders
- Carmelo Roberto to Gaeta Luigi
- Débilio Carmelo to Carmelo Roberto intégralité
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 14-06-2024 Converted to unavailable equity · €18,600
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
03-07
Gazette deed
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 provision, “livre des actionnaires, mis à jour en conséquence” (deed in French)
10-11
Gazette deed
Resignation: Débilio Carmelo (director)Appointment: Carmelo Roberto (director) · Director discharge · Share transfer6 facts ▸
- Board meeting, 15-10-2025
- Director resignation, Débilio Carmelo (director)
- Director discharge, Débilio Carmelo (director)
- Share transfer, Débilio Carmelo → Carmelo Roberto
- Director appointment, Carmelo Roberto (director)
- Registered-office move, Rue de Stéphanie 157 - 1020 Bruxelles
14-06
Gazette deed
Resignation: DEBILIO Carmelo (manager)Appointment: DEBILIO Carmelo (director) · Capital · Director discharge13 facts ▸
- Capital
- Director resignation, DEBILIO Carmelo (manager (not named in the articles))
- Director discharge, DEBILIO Carmelo (gérant démissionnaire)
- Director appointment, DEBILIO Carmelo (director (not named in the articles))
- Registered office clause, “1020 BRUXELLES (LAEKEN), rue Stéphanie numéro 157” (deed in French)
- Power of attorney, Noémi EDRICH
- General meeting, 23-05-2024
- Other provision, “unanimité, PREMIERE RESOLUTION rapport Organe d’Administration” (deed in French)
- Purpose change
- Other provision, “QUATRIEME RESOLUTION adaptation statuts CSA conservation forme, adapter statuts aux dispositions du Code des sociétés et des associations” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Reserve release, “supprimer compte de capitaux propres statutairement indisponible, rendre fonds disponibles pour distribution” (deed in French)
- +1 further fact in this act
Show earlier events
About the unread acts
Of the 4 Belgian Official Gazette deeds we know for this company, 3 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there 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 you send it electronically, you need their agreement on a secure channel. The invoice remains valid; it is the customer, not you, who risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0480.189.788
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
2 establishment units
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21307F0126/00G000 | Brussels | 2.4 ha | 1 · 4,149 m² | 20.6 m · 5 |
| 25105C0017/00B002 | Wallonia | 133 m² | 1 · 61 m² | - |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- DEBCA
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région Bruxelloise, tout endroit de la Région de Bruxelles-Capitale ou de la Région Wallonne” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, organe d'administration” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives avec mentions requises Code des sociétés et des associations;consultation par titulaires pour…” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement au nombre acquis, tenus de solliciter agrément selon mêmes formalités” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Actions nouvelles à souscrire en numéraire, courrier électronique,ou courrier ordinaire pour personnes sans adresse électronique,le même…” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Tuesday of June at 20:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Décision assemblée délibérant formes modifications statutaires, Article 21” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Article 22, dissolution pour quelque cause et à quelque moment” (deed in French)