DEFIDES
ActiveDEFIDES has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €370k and a net result of €143k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 51% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency82▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.89 in 2024; short-term debt: 40.9% and cash: 99.3% of total assets), and 42.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
57.2%
Return on assets
22.1%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
192122232425
2019 to 2025 · latest year €370k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
29 d late
2022
43 d early
2021
39 d early
2020
3 d early
2019
58 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€370k▲ 10.1%
2024 · €336k
2019: €321k
2021: €364k
2022: €232k
2023: €265k
2024: €336k
2019 → 2025
Total assets
€646k▲ 22.0%
2024 · €530k
2019: €459k
2021: €501k
2022: €571k
2023: €495k
2024: €530k
2019 → 2025
Net result
€143k▲ 2.3%
2024 · €140k
2019: €70k
2021: €-24k
2022: €42k
2023: €97k
2024: €140k
2019 → 2025
Working capital
€382k▲ 10.2%
2024 · €347k
2019: €328k
2021: €369k
2022: €227k
2023: €272k
2024: €347k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€364k-€232k▼ 36.3%€265k▲ 14.6%€336k▲ 26.5%€370k▲ 10.1%
Operating result€-19k-€58k€145k▲ 150%€198k▲ 36.7%€203k▲ 2.7%
Net result€-24k-€42k€97k▲ 132%€140k▲ 43.8%€143k▲ 2.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €646k
Equity
€370k▲ 10.1%
Debt
€277k▲ 42.6%
The debt ratio rises from 36.6% to 42.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€203k▲
2024 · €202k
Cash flow
€143k▼
2024 · €144k
Solvency
57.2%▼
2024 · 63.4%
Current ratio
2.44▼
2024 · 2.89
Quick ratio
2.44▼
2024 · 2.89
Debt / equity
0.75▲
2024 · 0.58
ROE
38.7%▼
2024 · 41.6%
ROA
22.1%▼
2024 · 26.4%
Interest coverage
16.30▼
2024 · 18.02
Debt
€277k▲
2024 · €194k
Debt ≤ 1 year
€264k▲
2024 · €183k
Income taxes
€58k▼
2024 · €60k
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€530k€646k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€530k€646k▲
Amounts receivable within one year40/41€30k€0▼
Trade receivables40€30k€0▼
Other amounts receivable41€12€0▼
Cash at bank and in hand54/58€492k€642k▲
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€530k€646k▲
Equity10/15€336k€370k▲
Contributions10/11€12k€12k=
Reserves13€348k€357k▲
Distributable reserves133€348k€357k▲
Profit (loss) carried forward14€-24k€0▲
Amounts payable17/49€194k€277k▲
Amounts payable within one year42/48€183k€264k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€40k€35k▼
Taxes450/3€37k€35k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€141k€228k▲
Accrued charges and deferred income492/3€11k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€0▼
Other operating charges640/8€898€1k▲
Gross operating margin9900€203k€204k▲
Operating profit (loss)9901€198k€203k▲
Financial income75/76B€13k€10k▼
Recurring financial income75€13k€10k▼
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€199k€201k▲
Income taxes67/77€60k€58k▼
Profit (loss) for the period9904€140k€143k▲
Profit (loss) for the period to be appropriated9905€140k€143k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€118k▲
Profit (loss) brought forward from the previous period14P€-24k€-24k=
Transfer from equity791/2€69k€111k▲
Transfer to equity691/2€140k€120k▼
To other reserves6921€140k€120k▼
Profit to be distributed694/7€69k€109k▲
Return on contributions (dividend)694€69k€109k▲
The notes to these accounts (3 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €143k ▲2.3%
Operating result €203k, net result €143k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €-24k ▼135%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2012
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.
Roodborstjesstraat 919032 GentGround area
464 m²
Building footprint
102 m²
Volume, LiDAR
506 m³
Parcel 44074B0463/00T000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DEFIDES
since 20122.210.183.996
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074B0463/00T000 | Flanders | 464 m² | 1 · 102 m² | 6.9 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 93 EUR awarded · 93 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 93 EUR | 93 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,854 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.