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DEBIT ET CREDIT

Active
Private limited company (pre-2019)founded 2002active for 24 yearsBoulevard de la Fleur-de-Lys 17, 1400 Nivelles, BelgiumKBO/BCE: BE 0477.484.181

From the official registers: KBO 23 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

DEBIT ET CREDIT has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207,743 and a net result of €21,686. Equity is growing by about 15% per year across the filed financial years. Its solvency ranks better than 49% of 15,743 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
DEBIT ET CREDITActiveChecked score 93/100
Risk analysis ReportCompare

Overview

Official details

KBO
Status
Active since 06-05-2002 Normal situation
Legal form
Private limited company (pre-2019)
Registered office
Boulevard de la Fleur-de-Lys 17, 1400 Nivelles
Activity
Certified accountants and tax accountants NACE 69201
Establishment unit
2.228.380.703 1400 Nivelles, since 30-04-2002
Financial year end
30 September
Peppol
Reachable since 12-11-2025
Company details

Who decides

Board
  • Brassinne LaurentDirector · since 31-05-2012
Board & ownership

How it is doing

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-09-2025
Gross margin
€237,165
▼ 9.4%
Turnover
≈ €450,000
estimated
Profit
€21,686
▼ 26.0%
Equity
€207,743
▼ 4.1%
Total assets
€371,785
▼ 5.2%
Staff
6 FTE
▲ 7.1%
2025 accounts on time
Filed on 30-04-2026PDF
Financials
Why 93lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 1.56, cash €134,645Size: total assets €371,785Equity €207,743 (55.9% of total assets)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 44% of its sector peers (NACE 69, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 81+1
equity 55.9% of total assets
Liquidity 80+19
short-term debt 34.3% · cash 36.2%
Profitability 76-2
return on assets 5.8%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,076 companies, NACE 69, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025highest value 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €19,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.56, compared with 1.82 in 2024, above the usual 1.5; short-term debt: 34.3% and cash: 36.2% of total assets), and 44.1% of the assets are financed with debt and provisions.
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 69, micro): better than 52% on solvency, 70% on liquidity, 28% on profitability and 28% on growth.

The bankruptcy probability was computed on 31-10-2026 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).

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Signals

Five signals.
lowers riskneutral
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Liquidity: current ratio 1.56, cash €134,645
NBB · annual accounts
lowers risk · Size: total assets €371,785
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Equity €207,743 (55.9% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
2 days late
2021
12 days late
2020
on the day
2019
on the day
← 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 2 days after the deadline; the sector median (NACE 69) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 1 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end01-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage

Key points

  • Positive: 7 profitable years in a rowprofit 2025: €21,686 7 years View
  • Among the largest 14% on gross marginsector median €72,198 · 15,741 companies €237,165 View

Documents

Annual accounts at the NBB

All 23 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about DEBIT ET CREDIT

What is the company number of DEBIT ET CREDIT?
0477.484.181. In Belgium the VAT number is the company number with BE in front: BE 0477.484.181.
Where is DEBIT ET CREDIT based?
The registered office is at Boulevard de la Fleur-de-Lys 17, 1400 Nivelles.Company details
What does DEBIT ET CREDIT do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of DEBIT ET CREDIT?
Private limited company (pre-2019) (BVBA).
When was DEBIT ET CREDIT founded?
On 06-05-2002.
Is DEBIT ET CREDIT still active?
Yes, DEBIT ET CREDIT is an active enterprise in the KBO register.
How many employees does DEBIT ET CREDIT have?
On average 6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of DEBIT ET CREDIT?
≈ €450,000 in financial year 2025. Estimated from the gross margin of €237,165: probably between €360,000 and €540,000, based on 40 comparable companies, NACE 69201. In financial year 2022 turnover was €710,554.
Is DEBIT ET CREDIT profitable?
In financial year 2025, DEBIT ET CREDIT made a profit of €21,686.
Where can I find the annual accounts of DEBIT ET CREDIT?
DEBIT ET CREDIT filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of DEBIT ET CREDIT due?
By 30-04-2027, for financial year 2026.Timeline

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