Debonair
ActiveDebonair has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.26M and a net result of €20k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 76% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+4
Solvency100▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 4.48 in 2024; short-term debt: 3.6% and cash: 1% of total assets), and 19.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
80.5%
Return on assets
0.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-05-2026, 88 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
88 d early
2024
64 d early
2023
62 d early
2022
41 d early
2021
61 d early
2020
71 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.26M▲ 0.6%
2024 · €3.24M
2018: €1.48M
2019: €1.89M
2020: €2.07M
2021: €2.44M
2022: €2.30M
2023: €2.81M
2024: €3.24M
2018 → 2025
Total assets
€4.05M▼ 7.5%
2024 · €4.38M
2018: €3.85M
2019: €3.88M
2020: €3.90M
2021: €3.89M
2022: €4.02M
2023: €4.05M
2024: €4.38M
2018 → 2025
Net result
€20k▼ 95.3%
2024 · €429k
2018: €305k
2019: €407k
2020: €181k
2021: €543k
2022: €711k
2023: €610k
2024: €429k
2018 → 2025
Working capital
€68k▼ 83.9%
2024 · €422k
2018: €-396k
2019: €-368k
2020: €-378k
2021: €-360k
2022: €-818k
2023: €87k
2024: €422k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.44M-€2.30M▼ 5.6%€2.81M▲ 22.2%€3.24M▲ 15.3%€3.26M▲ 0.6%
Operating result€6k-€22k▲ 289%€-11k€-27k▼ 137%€46k
Net result€543k-€711k▲ 30.8%€610k▼ 14.1%€429k▼ 29.7%€20k▼ 95.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €46k after a loss of €27k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.05M
Fixed assets
€3.84M=
Current assets
€215k▼ 60.5%
Equity and liabilities €4.05M
Equity
€3.26M▲ 0.6%
Debt
€790k▼ 30.7%
The debt ratio falls from 26.0% to 19.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▲
2024 · €-26k
Cash flow
€21k▼
2024 · €430k
Solvency
80.5%▲
2024 · 74.0%
Current ratio
1.46▼
2024 · 4.48
Quick ratio
1.46▼
2024 · 4.48
Debt / equity
0.24▼
2024 · 0.35
ROE
0.6%▼
2024 · 13.2%
ROA
0.5%▼
2024 · 9.8%
Interest coverage
1.85▲
2024 · -0.77
Debt
€790k▼
2024 · €1.14M
Debt ≤ 1 year
€147k▲
2024 · €122k
Debt > 1 year
€634k▼
2024 · €1.01M
Income taxes
€430▲
2024 · €348
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€4.38M€4.05M▼
Fixed assets21/28€3.84M€3.84M=
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€3.83M€3.83M=
Current assets29/58€544k€215k▼
Amounts receivable within one year40/41€522k€169k▼
Trade receivables40€3k€0▼
Other amounts receivable41€518k€169k▼
Cash at bank and in hand54/58€18k€39k▲
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€4.38M€4.05M▼
Equity10/15€3.24M€3.26M▲
Contributions10/11€900k€900k=
Capital10€900k€900k=
Issued capital100€900k€900k=
Reserves13€2.34M€2.36M▲
Non-distributable reserves130/1€90k€90k=
Legal reserve130€90k€90k=
Distributable reserves133€2.25M€2.27M▲
Profit (loss) carried forward14€3k€0▼
Amounts payable17/49€1.14M€790k▼
Amounts payable after more than one year17€1.01M€634k▼
Financial debts170/4€1.01M€82k▼
Other amounts payable178/9-€552k
Amounts payable within one year42/48€122k€147k▲
Current portion of amounts payable after more than one year42€104k€107k▲
Trade debts44€4k€14k▲
Suppliers440/4€4k€14k▲
Taxes, remuneration and social security45€11k€11k▲
Taxes450/3€11k€11k▲
Other amounts payable47/48€2k€15k▲
Accrued charges and deferred income492/3€10k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€762€762=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-25k€49k▲
Operating profit (loss)9901€-27k€46k▲
Financial income75/76B€490k€121▼
Recurring financial income75€490k€121▼
Financial charges65/66B€34k€25k▼
Recurring financial charges65€34k€25k▼
Profit (loss) for the period before taxes9903€429k€21k▼
Income taxes67/77€348€430▲
Profit (loss) for the period9904€429k€20k▼
Profit (loss) for the period to be appropriated9905€429k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€431k€23k▼
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer to equity691/2€428k€23k▼
To other reserves6921€428k€23k▼
The notes to these accounts (15 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
09-09
State Gazette act
Incorporation · Founder
Founding capital · Bank account
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €20k ▼95.3%
Net result drops to €20k, the lowest in the series.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.48
Current ratio from 1.70 to 4.48; short-term debt falls from €124k to €122k.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 9current ratio 1.70
Current ratio from 0.18 to 1.70; short-term debt falls from €1.00M to €124k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €711k ▲30.8%
Net result €711k, the highest in the series.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2MEq €2.07M ▲9.6%
3 profitable years in a row build equity to €2.07M.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Essen · 1 establishment unit since 2016
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.
Peepolderlaan 192910 EssenGround area
7,885 m²
Building footprint
5,702 m²
Volume, LiDAR
19 m³
Parcel 11016B0717/00C004, Flanders · tallest building 1.1 m. Linked by address, not a title deed.
1 establishment unit
Debonair
since 20162.393.413.929
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016B0717/00C004 | Flanders | 7,885 m² | 1 · 5,701 m² | 1.1 m |
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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 15,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-02-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.