Debrabandere Jo
ActiveDebrabandere Jo has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €8k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+36
Solvency79▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.29 against 3.44 in 2024; short-term debt: 34.7% of total assets), and 46.3% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
53.7%
Return on assets
2.3%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-05-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
18 d late
2024
on the day
2023
2 d late
2022
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€175k▲ 4.5%
2024 · €167k
2022: €163k
2023: €162k
2024: €167k
2022 → 2025
Total assets
€326k▲ 19.8%
2024 · €272k
2022: €318k
2023: €260k
2024: €272k
2022 → 2025
Net result
€8k▲ 45.2%
2024 · €5k
2022: €13k
2023: €-802
2024: €5k
2022 → 2025
Working capital
€146k▲ 1.8%
2024 · €144k
2022: €146k
2023: €144k
2024: €144k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€163k-€162k▼ 0.5%€167k▲ 3.2%€175k▲ 4.5%
Operating result€15k-€12k▼ 22.6%€-2k€11k
Net result€13k-€-802€5k€8k▲ 45.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326k
Fixed assets
€67k▼ 4.1%
Current assets
€259k▲ 28.1%
Equity and liabilities €326k
Equity
€175k▲ 4.5%
Debt
€151k▲ 44.3%
The debt ratio rises from 38.5% to 46.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€17k▲
2024 · €3k
Cash flow
€13k▲
2024 · €10k
Solvency
53.7%▼
2024 · 61.5%
Current ratio
2.29▼
2024 · 3.44
Quick ratio
2.26▼
2024 · 3.35
Debt / equity
0.86▲
2024 · 0.63
ROE
4.3%▲
2024 · 3.1%
ROA
2.3%▲
2024 · 1.9%
Interest coverage
5.59▲
2024 · 1.26
Debt
€151k▲
2024 · €105k
Debt ≤ 1 year
€113k▲
2024 · €59k
Debt > 1 year
€38k▼
2024 · €46k
Income taxes
€5k▲
2024 · €-8k
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€272k€326k▲
Fixed assets21/28€70k€67k▼
Tangible fixed assets22/27€70k€67k▼
Land and buildings22€106€57▼
Plant, machinery and equipment23€601€4k▲
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€65k€61k▼
Current assets29/58€202k€259k▲
Amounts receivable after more than one year29€81k€81k=
Trade receivables290€81k€81k=
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€114k€165k▲
Trade receivables40€64k€120k▲
Other amounts receivable41€50k€45k▼
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€272k€326k▲
Equity10/15€167k€175k▲
Contributions10/11€20k€20k=
Reserves13€147k€155k▲
Distributable reserves133€147k€155k▲
Amounts payable17/49€105k€151k▲
Amounts payable after more than one year17€46k€38k▼
Financial debts170/4€46k€38k▼
Amounts payable within one year42/48€59k€113k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43€8k€3k▼
Credit institutions430/8€8k€3k▼
Trade debts44€44k€95k▲
Suppliers440/4€44k€95k▲
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45-€2k
Taxes450/3-€160
Remuneration and social security454/9-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€5k€23k▲
Operating profit (loss)9901€-2k€11k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-2k€12k▲
Income taxes67/77€-8k€5k▲
Profit (loss) for the period9904€5k€8k▲
Profit (loss) for the period to be appropriated9905€5k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€8k▲
Profit (loss) brought forward from the previous period14P€-802-
Transfer to equity691/2€4k€8k▲
To other reserves6921€4k€8k▲
The notes to these accounts (9 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
30-09
Financial
Weakest financial yearnet €-802 ▼106%
Net result drops to €-802, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ingelmunster · 1 establishment unit since 2007
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.
Kleine Weg 7 D8770 IngelmunsterGround area
1,977 m²
Building footprint
559 m²
Volume, LiDAR
4,232 m³
Parcel 36007B0436/00Y000, Flanders · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Debrabandere Jo
since 20072.160.886.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007B0436/00Y000 | Flanders | 1,977 m² | 1 · 559 m² | 8.7 m · 3 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.
Similar companies · same sector, comparable size
Maes Heating Service
BE 0772.566.990
Balen · Eq €175k
CENTRALE VERWARMING DE BOT
BE 0445.899.793
Sint-Katelijne-Waver · Eq €175k
THEUNIS REMI
BE 0874.671.170
Schoten · Eq €175k
CHARLES BEAUMONT
BE 0400.071.550
Kortrijk · Eq €175k
AIR BE PLUS
BE 0881.446.720
Dalhem · Eq €175k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2007
Fiscal year end30-09
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.