Debema
ActiveSummary
Debema has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55,691 and a net result of -€1,207. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 353 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-34
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
short-term debt: 0.4% and cash: 49.5% of total assets, and 0.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Manufacture of other non-metallic mineral products (NACE 23)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.6%
Return on assets
-2.2%
Age of the figures
13 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 20-01-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
51 d early
2023
80 d early
2022
58 d early
2021
65 d early
2020
72 d early
2019
67 d early
← 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 66 days before the deadline; the sector median for financial year 2024 is 11 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close28-09-2026 today31-03-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€12,744▼ 15.6%
2024 · €15,098
EBIT margin
-8.5%▼ 14.6pp
2024 · 6.1%
Net result
-€1,207
2024 · €319
Working capital
€28,340▲ 0.8%
2024 · €28,124
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 23, Manufacture of other non-metallic mineral products, 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€100,173€85,267▼ 14.9%€79,845▼ 6.4%€15,098▼ 81.1%€12,744▼ 15.6%
Operating result€30,575▲ 201%€13,382▼ 56.2%€25,686▲ 91.9%€921▼ 96.4%-€1,086
Net result€22,537within the sector's middle half▲ 263%€9,190below the sector's middle half▼ 59.2%€19,123within the sector's middle half▲ 108%€319below the sector's middle half▼ 98.3%-€1,207within the sector's middle half
EBIT margin30.5%15.7%▼ 14.8pp32.2%▲ 16.5pp6.1%▼ 26.1pp-8.5%▼ 14.6pp
Equity€58,266below the sector's middle half▲ 63.1%€52,457below the sector's middle half▼ 10.0%€61,579below the sector's middle half▲ 17.4%€56,898below the sector's middle half▼ 7.6%€55,691within the sector's middle half▼ 2.1%
Total assets€91,904below the sector's middle half▲ 33.1%€99,178below the sector's middle half▲ 7.9%€73,850below the sector's middle half▼ 25.5%€63,184below the sector's middle half▼ 14.4%€55,894below the sector's middle half▼ 11.5%
Debt€33,638▲ 1.0%€46,722▲ 38.9%€12,271▼ 73.7%€6,286▼ 48.8%€203▼ 96.8%
Working capital-€21,713below the sector's middle half▼ 35.9%-€18,394below the sector's middle half▲ 15.3%€32,291below the sector's middle half€28,124below the sector's middle half▼ 12.9%€28,340within the sector's middle half▲ 0.8%
Solvency63.4%within the sector's middle half▲ 11.6pp52.9%within the sector's middle half▼ 10.5pp83.4%above the sector's middle half▲ 30.5pp90.1%above the sector's middle half▲ 6.7pp99.6%above the sector's middle half▲ 9.6pp
Current ratio0.35below the sector's middle half▼ 0.170.61below the sector's middle half▲ 0.253.63above the sector's middle half▲ 3.035.47above the sector's middle half▲ 1.84
Return on assets (ROA)24.5%above the sector's middle half▲ 15.5pp9.3%within the sector's middle half▼ 15.3pp25.9%above the sector's middle half▲ 16.6pp0.5%within the sector's middle half▼ 25.4pp-2.2%below the sector's middle half▼ 2.7pp
above
within
below
the middle half (P25 to P75) of NACE 23, Manufacture of other non-metallic mineral products, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,086 after €921 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55,894
Fixed assets
€27,351 ▼ 4.9%
Current assets
€28,543 ▼ 17.0%
Equity and liabilities €55,894
Equity
€55,691 ▼ 2.1%
Debt
€203 ▼ 96.8%
Debt's share of the balance-sheet total falls from 9.9% to 0.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€337▼
2024 · €1,435
Cash flow
€216▼
2024 · €833
Debt to equity
0.00▼
2024 · 0.11
ROE
-2.2%▼
2024 · 0.6%
Interest coverage
2.03▼
2024 · 8.86
Debt ≤ 1 year
€203▼
2024 · €6,286
A ratio outside any meaningful range has been withheld (balance sheet total €55,894, equity €55,691).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,662 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 12,321 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 | €100,173 | €85,267 | €79,845 | €15,098 | €12,744 | ▼ 15.6% |
| Non-recurring operating income76A | - | - | €22,062 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €53,578 | - | €12,872 | €11,545 | ▼ 10.3% |
| Remuneration, social security and pensions62 | - | €3,252 | €2,729 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,969 | €14,105 | €14,038 | €514 | €1,423 | ▲ 177% |
| Other operating charges640/8 | - | €950 | €755 | €791 | €861 | ▲ 8.8% |
| Gross operating margin9900 | €62,305 | €31,688 | €43,208 | €2,226 | €1,199 | ▼ 46.2% |
| Operating profit (loss)9901 | €30,575 | €13,382 | €25,686 | €921 | -€1,086 | ▼ 218% |
| Financial income75/76B | - | - | - | - | €45 | - |
| Recurring financial income75 | - | - | - | - | €45 | - |
| Financial charges65/66B | - | €1,210 | €1,500 | €162 | €167 | ▲ 2.8% |
| Recurring financial charges65 | €1,459 | €1,210 | €1,500 | €162 | €167 | ▲ 2.8% |
| Profit (loss) for the period before taxes9903 | €29,116 | €12,173 | €24,186 | €759 | -€1,207 | ▼ 259% |
| Income taxes67/77 | €6,579 | €2,982 | €5,064 | €440 | - | - |
| Profit (loss) for the period9904 | €22,537 | €9,190 | €19,123 | €319 | -€1,207 | ▼ 478% |
| Profit (loss) for the period to be appropriated9905 | €22,537 | €9,190 | €19,123 | €319 | -€1,207 | ▼ 478% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €91,904 | €99,178 | €73,850 | €63,184 | €55,894 | ▼ 11.5% |
| Fixed assets21/28 | €79,979 | €70,851 | €29,288 | €28,774 | €27,351 | ▼ 4.9% |
| Tangible fixed assets22/27 | €79,979 | €70,851 | €29,288 | €28,774 | €27,351 | ▼ 4.9% |
| Furniture and vehicles24 | - | €70,851 | €29,288 | €28,774 | €27,351 | ▼ 4.9% |
| Current assets29/58 | €11,924 | €28,327 | €44,562 | €34,410 | €28,543 | ▼ 17.0% |
| Amounts receivable within one year40/41 | - | €163 | €872 | €8,974 | €36 | ▼ 99.6% |
| Other amounts receivable41 | - | €163 | €872 | €8,974 | €36 | ▼ 99.6% |
| Cash at bank and in hand54/58 | €10,061 | €26,233 | €43,690 | €23,221 | €27,671 | ▲ 19.2% |
| Deferred charges and accrued income490/1 | - | €1,931 | - | €2,215 | €836 | ▼ 62.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €91,904 | €99,178 | €73,850 | €63,184 | €55,894 | ▼ 11.5% |
| Equity10/15 | €58,266 | €52,457 | €61,579 | €56,898 | €55,691 | ▼ 2.1% |
| Contributions10/11 | - | €24,789 | €19,789 | €17,289 | €17,289 | = |
| Reserves13 | €33,477 | €27,667 | €41,790 | €39,609 | €39,609 | = |
| Non-distributable reserves130/1 | - | €2,479 | - | - | - | - |
| Reserves not available under the articles1311 | - | €2,479 | - | - | - | - |
| Distributable reserves133 | - | €25,188 | €41,790 | €39,609 | €39,609 | = |
| Profit (loss) carried forward14 | - | - | - | - | -€1,207 | - |
| Amounts payable17/49 | €33,638 | €46,722 | €12,271 | €6,286 | €203 | ▼ 96.8% |
| Amounts payable within one year42/48 | €33,638 | €46,722 | €12,271 | €6,286 | €203 | ▼ 96.8% |
| Trade debts44 | €1,447 | €224 | €1,358 | €431 | €203 | ▼ 52.8% |
| Suppliers440/4 | - | €224 | €1,358 | €431 | €203 | ▼ 52.8% |
| Taxes, remuneration and social security45 | - | €3,287 | €913 | €855 | - | - |
| Taxes450/3 | - | €3,287 | €913 | €855 | - | - |
| Other amounts payable47/48 | - | €43,211 | €10,000 | €5,000 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,537 | €9,190 | €19,123 | €319 | -€1,207 | ▼ 478% |
| + Depreciation and write-downs630 | €22,969 | €14,105 | €14,038 | €514 | €1,423 | ▲ 177% |
| Operating cash flow (approximation) | €45,506 | €23,295 | €33,161 | €833 | €216 | ▼ 74.1% |
| Investment in fixed assets (approximation) | - | -€4,976 | €27,525 | €0 | €0 | - |
| Change in cash | - | €16,172 | €17,457 | -€20,469 | €4,450 | ▲ 122% |
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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
Financial
Weakest financial yearnet -€1,207
Net result drops to -€1,207, the lowest in the series.
31-08
Financial
Liquidity times 26current ratio 140.45
Current ratio from 5.47 to 140.45; short-term debt falls from €6,286 to €203.
08-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
Financial
Liquidity times 6current ratio 3.63
Current ratio from 0.61 to 3.63; short-term debt falls from €46,722 to €12,271.
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
Financial
Highest result since 2019net €22,537 ▲263%
Operating result €30,575, net result €22,537, both a record.
18-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
25-11
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Torhout · 1 establishment unit since 1997
Ground area
1,167 m²
Building footprint
296 m²
Volume, LiDAR
1,589 m³
Parcel 31524D1825/00Y000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brasemstraat 10, 8820 Torhout
since 19972.084.489.913
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31524D1825/00Y000 | Flanders | 1,167 m² | 1 · 296 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 737 companies in sector 23700 we hold annual accounts for 489. 354 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
Founded26-09-1997
Fiscal year end31-08
Activities, NACEBEL 2025
23700Cutting, shaping and finishing of stone
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461469778
Registered
20-11-2020
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.