Equity
€202,797 from €450,370 in 2021
Equity fell by 55% in 3 years.
DEBERCY
Lifetime
19 annual accounts with figures on one time axis, 37 filings since 1988peak €549,079 (2021)
-€48,880▼ €14,864
lowest -€126,438 (2022)
-€61,379▼ €1,623
peak €450,370 (2021)
€202,797▼ 23.2%
€1,799
peak 0.3 FTE (2020)
-not published
Board3 names since 2021
3 directorsBerquin, Anna Bernadette Maria and 2 others
Owners
50%LAURENTS
Documentsfilings and deeds
11-07-202520 days before the deadline
2024micro format
Gross margin from -€34,016 to -€48,880Loss of €61,379Equity from €264,176 to €202,797
Key points
from the 2024 annual accountsLosses
-€247,573 in three years
Every financial year from 2022 to 2024 closed with a loss. 2022 was the heaviest.
Filings
37 annual accounts 102 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Turnover not published (micro format)
Checked score
55
Fair
Financially stronger than 45% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
A confirmed filing finding caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%▼ -0.3 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026lowest value
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.8%▲ +0.4 percentage points vs 09-2026highest value
11-2026: 0.8%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: a confirmed filing finding
Figures for financial year 2024 (filed on 14-07-2025)
Liquidity: current ratio 18.96, cash €7,605
lowers risk
Founded in 1988
Equity €202,797 (99.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 68, micro). It does better than 91% of them on solvency, 65% on liquidity, 4% on profitability and 20% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as DEBERCY has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DEBERCY itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for DEBERCY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is ample, with a current ratio of 18.96, above the usual 1.5. Short-term debt is 0.9% and cash 3.7% of total assets. 0.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€61,379
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
20 days early
2023
5 days early
2022
6 days early
2021
30 days late
2020
1 day early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average on the deadline day. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
Recent changes
1 director appointed, 2 resignations
Resignations: Anna Berquin (director) and Daniël De Clerck (director) · Appointment: Frederick De Clerck (director) · Director discharge: Anna Berquin · General meeting of 27-02-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0434227725
Changes of role: De Clerck, Daniël Jozef Frans (director) and Berquin, Anna Bernadette Maria (director)
General meeting of 16-06-2023 · Gazette deed
First establishment
NV DEBERCY, Hoogstraat 28, Bruges
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DEBERCY Bruges | €204,597 | -€48,880 | 99.1% | - |
| FIMI Zwevegem | €226,464 | -€3,141 | 53.8% | - |
| SDF CASA Overijse | €203,128 | -€398 | 9.4% | - |
| M.B.V. INVESTMENT Schaerbeek | €207,209 | -€11,121 | 37.6% | - |
| FREPHILL Wezembeek-Oppem | €187,635 | -€3,018 | 86.8% | - |
| CENTRUM COMMANSTER Vielsalm | €224,293 | -€6,025 | 94.9% | - |
| PROPICO Ninove | €200,615 | -€4,770 | 97.9% | - |
These companies have the same main activity as DEBERCY: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €188,000 and €226,000, founded between 1984 and 1992.
Official details
Source: KBO- Status
- Active since 05-05-1988Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Joint committee
- 100Auxiliary committee for blue-collar workers · annual accounts 2022
- Establishment unit
- 2.038.190.0318000 Bruges, since 26-05-1988
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2024
Insights on DEBERCY
DEBERCY files the micro format. That format states no turnover. The gross margin fell from €54,881 in 2006 to -€48,880 in 2024.
The balance sheet grew most in 2020 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DEBERCY
- What is the company number of DEBERCY?
- The company number of DEBERCY is 0434.227.725. The VAT number is the same number with BE in front: BE 0434.227.725.
- Where is DEBERCY based?
- The registered office is at Hoogstraat 28, 8000 Bruges.Company details
- What does DEBERCY do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of DEBERCY?
- DEBERCY is a private limited company (BV).
- When was DEBERCY founded?
- DEBERCY was founded on 05-05-1988.
- Is DEBERCY still active?
- Yes, DEBERCY is an active enterprise in the KBO register.
- How many employees does DEBERCY have?
- DEBERCY had an average of 0.3 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- Which joint committee does DEBERCY fall under?
- In its 2022 annual accounts, DEBERCY states joint committee 100 (Auxiliary committee for blue-collar workers).
- What is the turnover of DEBERCY?
- The annual accounts for financial year 2024 state no turnover. The micro format does not require it.
- Is DEBERCY profitable?
- In financial year 2024, DEBERCY made a loss of €61,379.
- Where can I find the annual accounts of DEBERCY?
- DEBERCY filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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