DEBOFIN
ActiveSummary
DEBOFIN has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46.79M and a net result of €124k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-19
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity ample (current ratio 2.31 against 2.17 in 2024; short-term debt: 11.1% and cash: 1.9% of total assets), and 14.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
85.4%
Return on assets
0.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
3 d early
2023
6 d early
2022
47 d early
2021
42 d early
2020
74 d early
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€46.79M▲ 0.3%
2024 · €46.66M
2019: €30.47M
2020: €35.37M
2021: €37.13M
2022: €38.04M
2023: €42.74M
2024: €46.66M
2019 → 2025
Total assets
€54.78M▼ 1.4%
2024 · €55.57M
2019: €39.82M
2020: €44.27M
2021: €45.25M
2022: €48.29M
2023: €54.07M
2024: €55.57M
2019 → 2025
Net result
€124k▼ 95.5%
2024 · €2.78M
2019: €1.11M
2020: €4.90M
2021: €1.76M
2022: €919k
2023: €2.63M
2024: €2.78M
2019 → 2025
Working capital
€7.96M▼ 5.3%
2024 · €8.41M
2019: €8.24M
2020: €3.78M
2021: €3.27M
2022: €2.44M
2023: €7.18M
2024: €8.41M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37.13M-€38.04M▲ 2.5%€42.74M▲ 12.3%€46.66M▲ 9.2%€46.79M▲ 0.3%
Operating result€-288k-€-229k▲ 20.6%€-2.73M▼ 1,093%€649k€-301k
Net result€1.76M-€919k▼ 47.7%€2.63M▲ 186%€2.78M▲ 5.8%€124k▼ 95.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €301k after €649k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54.78M
Fixed assets
€40.74M ▲ 1.9%
Current assets
€14.05M ▼ 9.9%
Equity and liabilities €54.78M
Equity
€46.79M ▲ 0.3%
Provisions
€526k ▼ 3.8%
Debt
€7.47M ▼ 10.6%
Debt's share of the balance-sheet total falls from 15.0% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-99k▼
2024 · €850k
Cash flow
€327k▼
2024 · €2.98M
Current ratio
2.31▲
2024 · 2.17
Quick ratio
2.26▲
2024 · 2.12
Debt to equity
0.16▼
2024 · 0.18
ROE
0.3%▼
2024 · 6.0%
ROA
0.2%▼
2024 · 5.0%
Interest coverage
-0.10▼
2024 · 1.55
Debt ≤ 1 year
€6.08M▼
2024 · €7.18M
Debt > 1 year
€770k▼
2024 · €972k
Income taxes
€1k▼
2024 · €82k
Staff costs
€108k▲
2024 · €100k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 72 lines
Balance sheet
Code20242025
Assets
Total assets20/58€55.57M€54.78M▼
Fixed assets21/28€39.97M€40.74M▲
Intangible fixed assets21€9k€12k▲
Tangible fixed assets22/27€7.36M€7.05M▼
Land and buildings22€6.07M€5.77M▼
Furniture and vehicles24€45k€34k▼
Other tangible fixed assets26€1.25M€1.25M=
Financial fixed assets28€32.60M€33.68M▲
Current assets29/58€15.60M€14.05M▼
Amounts receivable after more than one year29€3.82M€3.36M▼
Other amounts receivable291€3.82M€3.36M▼
Stocks and contracts in progress3€365k€304k▼
Stocks30/36€365k€304k▼
Amounts receivable within one year40/41€488k€329k▼
Trade receivables40€365k€175k▼
Other amounts receivable41€123k€154k▲
Current investments50/53€8.75M€8.86M▲
Cash at bank and in hand54/58€2.09M€1.03M▼
Deferred charges and accrued income490/1€75k€165k▲
Equity and liabilities
Total equity and liabilities10/49€55.57M€54.78M▼
Equity10/15€46.66M€46.79M▲
Contributions10/11€861k€861k=
Capital10€861k€861k=
Issued capital100€861k€861k=
Revaluation surpluses12€1.14M€1.14M=
Reserves13€44.66M€44.79M▲
Non-distributable reserves130/1€86k€86k=
Legal reserve130€86k€86k=
Tax-exempt reserves132€1.80M€1.58M▼
Distributable reserves133€42.78M€43.12M▲
Provisions and deferred taxes16€546k€526k▼
Deferred taxes168€546k€526k▼
Amounts payable17/49€8.36M€7.47M▼
Amounts payable after more than one year17€972k€770k▼
Financial debts170/4€966k€762k▼
Other amounts payable178/9€6k€8k▲
Amounts payable within one year42/48€7.18M€6.08M▼
Current portion of amounts payable after more than one year42€203k€203k=
Financial debts43€211k€172k▼
Credit institutions430/8€211k€172k▼
Trade debts44€135k€31k▼
Suppliers440/4€135k€31k▼
Taxes, remuneration and social security45€87k€28k▼
Taxes450/3€77k€18k▼
Remuneration and social security454/9€10k€10k▲
Other amounts payable47/48€6.55M€5.65M▼
Accrued charges and deferred income492/3€205k€618k▲
Income statement
Code20242025
Remuneration, social security and pensions62€100k€108k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€202k€202k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€-1k▼
Other operating charges640/8€385k€65k▼
Non-recurring operating charges66A€20k€0▼
Gross operating margin9900€1.36M€73k▼
Operating profit (loss)9901€649k€-301k▼
Financial income75/76B€2.74M€1.41M▼
Recurring financial income75€1.47M€1.41M▼
Non-recurring financial income76B€1.28M€0▼
Financial charges65/66B€550k€1.01M▲
Recurring financial charges65€550k€1.01M▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€2.84M€105k▼
Transfer from deferred taxes780€21k€21k=
Income taxes67/77€82k€1k▼
Profit (loss) for the period9904€2.78M€124k▼
Transfer from tax-exempt reserves789€62k€220k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€2.84M€345k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.84M€345k▼
Transfer to equity691/2€2.84M€345k▼
To the legal reserve6920€0-
To other reserves6921€2.84M€345k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (30 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
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €124k ▼95.5%
Net result drops to €124k, the lowest in the series.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Highest result since 2019net €4.90M ▲343%
Operating result €3.64M, net result €4.90M, both a record.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Koksijde · 1 establishment unit since 1994
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.
Gen. Notermanlaan(Odk) 228670 KoksijdeGround area
1,792 m²
Building footprint
212 m²
Volume, LiDAR
1,410 m³
Parcel 38018A1070/00A000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gen. Notermanlaan(Odk) 22, 8670 Koksijde
since 19942.065.446.932
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38018A1070/00A000 | Flanders | 1,792 m² | 1 · 212 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600LEISZUXTG07E30
Similar companies · same sector, comparable size
RNB INVEST
BE 0455.542.088
Knokke-Heist · Eq €46,891,246
TROISMER
BE 0890.432.977
Meise · Eq €46,940,473
LA CONCHA
BE 0449.802.757
Sint-Martens-Latem · Eq €46,573,997
BEDECE
BE 0473.700.092
Kruisem · Eq €46,529,043
DUCASSE DEVELOPPEMENT
BE 0474.714.436
Etterbeek · Eq €46,525,716
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 2,080 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-12-1993
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.