Débéco
ActiveDébéco has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.46M and a net result of €23k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 68% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-7
Solvency97▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 1.69 in 2024; short-term debt: 14.6% and cash: 24.4% of total assets), and 28% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
72%
Return on assets
1.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
on the day
2022
28 d late
2021
24 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.46M▲ 1.6%
2024 · €1.43M
2019: €1.19M
2020: €1.26M
2021: €1.33M
2022: €1.36M
2023: €1.42M
2024: €1.43M
2019 → 2025
Total assets
€2.02M▼ 3.9%
2024 · €2.10M
2019: €2.18M
2020: €1.97M
2021: €1.96M
2022: €2.12M
2023: €2.06M
2024: €2.10M
2019 → 2025
Net result
€23k▲ 69.5%
2024 · €13k
2019: €351k
2020: €69k
2021: €63k
2022: €33k
2023: €61k
2024: €13k
2019 → 2025
Working capital
€416k▲ 25.0%
2024 · €333k
2019: €210k
2020: €316k
2021: €338k
2022: €346k
2023: €337k
2024: €333k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.33M-€1.36M▲ 2.5%€1.42M▲ 4.5%€1.43M▲ 1.0%€1.46M▲ 1.6%
Operating result€85k-€60k▼ 28.8%€73k▲ 20.7%€18k▼ 74.7%€41k▲ 123%
Net result€63k-€33k▼ 48.1%€61k▲ 87.1%€13k▼ 77.9%€23k▲ 69.5%
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 123% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.02M
Fixed assets
€1.31M▲ 1.7%
Current assets
€711k▼ 12.6%
Equity and liabilities €2.02M
Equity
€1.46M▲ 1.6%
Debt
€568k▼ 15.5%
The debt ratio falls from 31.9% to 28.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€81k▲
2024 · €54k
Cash flow
€63k▲
2024 · €49k
Solvency
72.0%▲
2024 · 68.1%
Current ratio
2.41▲
2024 · 1.69
Quick ratio
2.41▲
2024 · 1.69
Debt / equity
0.39▼
2024 · 0.47
ROE
1.6%▲
2024 · 0.9%
ROA
1.1%▲
2024 · 0.6%
Interest coverage
5.14▼
2024 · 10.99
Debt
€568k▼
2024 · €672k
Debt ≤ 1 year
€295k▼
2024 · €481k
Debt > 1 year
€63k▼
2024 · €113k
Income taxes
€10k▲
2024 · €7k
Staff costs
€67k▼
2024 · €70k
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€2.10M€2.02M▼
Fixed assets21/28€1.29M€1.31M▲
Tangible fixed assets22/27€1.29M€1.31M▲
Land and buildings22€1.21M€1.18M▼
Plant, machinery and equipment23€20k€71k▲
Furniture and vehicles24€64k€59k▼
Financial fixed assets28€421€421=
Current assets29/58€814k€711k▼
Amounts receivable after more than one year29€38k€33k▼
Other amounts receivable291€38k€33k▼
Amounts receivable within one year40/41€309k€179k▼
Other amounts receivable41€309k€179k▼
Current investments50/53€253k€2k▼
Cash at bank and in hand54/58€212k€493k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.10M€2.02M▼
Equity10/15€1.43M€1.46M▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€1.36M€1.38M▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Tax-exempt reserves132€132€132=
Distributable reserves133€1.35M€1.37M▲
Amounts payable17/49€672k€568k▼
Amounts payable after more than one year17€113k€63k▼
Financial debts170/4€113k€63k▼
Amounts payable within one year42/48€481k€295k▼
Current portion of amounts payable after more than one year42€50k€50k=
Trade debts44€105k€83k▼
Suppliers440/4€105k€83k▼
Taxes, remuneration and social security45€16k€20k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€11k€11k▲
Other amounts payable47/48€310k€142k▼
Accrued charges and deferred income492/3€78k€210k▲
Income statement
Code20242025
Remuneration, social security and pensions62€70k€67k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€40k▲
Other operating charges640/8€10k€11k▲
Gross operating margin9900€133k€158k▲
Operating profit (loss)9901€18k€41k▲
Financial income75/76B€7k€7k▲
Recurring financial income75€7k€7k▲
Financial charges65/66B€5k€16k▲
Recurring financial charges65€5k€16k▲
Profit (loss) for the period before taxes9903€20k€32k▲
Income taxes67/77€7k€10k▲
Profit (loss) for the period9904€13k€23k▲
Profit (loss) for the period to be appropriated9905€13k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€23k▲
Transfer to equity691/2€13k€23k▲
To other reserves6921€13k€23k▲
Social balance
Average headcount (FTE)90871.11.0▼
The notes to these accounts (9 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
31-03
Financial
Weakest financial yearnet €13k ▼77.9%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
10-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 2 establishment units since 2000
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.
Arthur Goemaerelei 692018 AntwerpenGround area
5,314 m²
Building footprint
607 m²
Volume, LiDAR
4,751 m³
2 parcels, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Arthur Goemaerelei 69, 2018 Antwerpen
since 20002.097.343.797
Sionkloosterlaan 49, 2930 Brasschaat
since 20122.211.589.211
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008A0038/00E002 | Flanders | 4,790 m² | 1 · 397 m² | 9.3 m · 2 fl. |
| 11810K1903/00K003 | Flanders | 524 m² | 1 · 211 m² | 16.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 1 entry · 563 EUR awarded · 563 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 563 EUR | 563 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
TERTIUS
BE 0862.203.009
Lommel · Eq €1.46M
Haerens Investments
BE 0797.900.125
Puurs-Sint-Amands · Eq €1.46M
DELCART
BE 0541.306.817
Estaimpuis · Eq €1.46M
DE SCHRIJVER-MULKERS
BE 0809.452.132
Edegem · Eq €1.46M
ODESSA
BE 0474.167.672
Kortenaken · Eq €1.46M
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 23,676 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-11-1992
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74142
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationOrdinary general meeting
Verslag raad van bestuur. Goedkeuring jaarrekening per 31 maart 2010. Bestemming resultaat. Kwijting bestuurders. Varia.