DEFIMA
ActiveDEFIMA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €383k and a net result of €769. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 374 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy▲ +31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▲+1
Solvency70▲+6
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.77 in 2024), and 46.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
53.4%
Return on assets
0.1%
Age of the figures
11 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 22-10-2025, 190 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
190 d early
2024
117 d early
2023
190 d early
2022
189 d early
2021
110 d early
2020
184 d early
2019
35 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
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€769
2024 · €-3k
2019: €-384k
2020: €154k
2021: €-31k
2022: €200k
2023: €30k
2024: €-3k
2019 → 2025
Working capital
€-48k▲ 39.4%
2024 · €-79k
2019: €-508k
2020: €-399k
2021: €-436k
2022: €-216k
2023: €-121k
2024: €-79k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€356k▲ 129%€385k▲ 8.3%€382k▼ 0.8%€383k▲ 0.2%
Operating result€-15k-€214k€54k▼ 74.7%€6k▼ 89.5%€9k▲ 62.5%
Net result€-31k-€200k€30k▼ 85.2%€-3k€769
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 63% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €717k
Fixed assets
€517k▼ 8.7%
Current assets
€200k▼ 24.1%
Equity and liabilities €717k
Equity
€383k▲ 0.2%
Debt
€334k▼ 25.4%
The debt ratio falls from 53.9% to 46.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€89k▲
2024 · €85k
Cash flow
€81k▲
2024 · €76k
Solvency
53.4%▲
2024 · 46.1%
Current ratio
0.81▲
2024 · 0.77
Quick ratio
0.81▲
2024 · 0.77
Debt / equity
0.87▼
2024 · 1.17
ROE
0.2%▲
2024 · -0.8%
ROA
0.1%▲
2024 · -0.4%
Interest coverage
11.77▲
2024 · 9.92
Debt
€334k▼
2024 · €447k
Debt ≤ 1 year
€248k▼
2024 · €343k
Debt > 1 year
€86k▼
2024 · €105k
Income taxes
€945▲
2024 · €252
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€830k€717k▼
Fixed assets21/28€566k€517k▼
Tangible fixed assets22/27€566k€516k▼
Land and buildings22€516k€468k▼
Furniture and vehicles24€47k€45k▼
Leasing and similar rights25€4k€4k=
Financial fixed assets28€161€161=
Current assets29/58€264k€200k▼
Amounts receivable within one year40/41€263k€199k▼
Trade receivables40€263k€198k▼
Other amounts receivable41€562€987▲
Cash at bank and in hand54/58€88€709▲
Equity and liabilities
Total equity and liabilities10/49€830k€717k▼
Equity10/15€382k€383k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€430k€430k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€424k€424k=
Profit (loss) carried forward14€-110k€-109k▲
Amounts payable17/49€447k€334k▼
Amounts payable after more than one year17€105k€86k▼
Financial debts170/4€105k€86k▼
Amounts payable within one year42/48€343k€248k▼
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€108k€38k▼
Suppliers440/4€108k€38k▼
Taxes, remuneration and social security45€184k€174k▼
Taxes450/3€184k€174k▼
Other amounts payable47/48€33k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€80k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€92k€96k▲
Operating profit (loss)9901€6k€9k▲
Financial income75/76B€121€37▼
Recurring financial income75€121€37▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€-3k€2k▲
Income taxes67/77€252€945▲
Profit (loss) for the period9904€-3k€769▲
Profit (loss) for the period to be appropriated9905€-3k€769▲
Appropriation of the result
Profit (loss) to be appropriated9906€-110k€-109k▲
Profit (loss) brought forward from the previous period14P€-107k€-110k▼
The notes to these accounts (7 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
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-09
Financial
Back to profitnet €769
Net result €769 after one loss-making year.
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Back to profitnet €200k
Net result €200k after one loss-making year.
31-03
Financial
Equity above €200kEq €356k ▲129%
Equity rises from €156k to €356k.
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Back to profitnet €154k
Net result €154k after one loss-making year.
31-03
Financial
Equity above €150kEq €186k ▲474%
Equity rises from €32k to €186k.
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
01-06
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
3 directors, no change since 2023
Diane BOUVIER
CurrentManaging director · since 22-02-2023
Justine BOUVIER
CurrentManaging director · since 22-02-2023
22-02-2023
Diane BOUVIER: Appointed as Managing director
22-02-2023
Justine BOUVIER: Appointed as Managing director
22-02-2023
SRL SERLEX: Resigned as Managing director
Location & real-estate footprint
Registered office, La Bruyère · 1 establishment unit since 1998
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.
Rue Trieux-des-Frênes, Emines 15080 La BruyèreGround area
3,431 m²
Building footprint
193 m²
Volume, LiDAR
1,541 m³
Parcel 92036C0001/00A004, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Trieux-des-Frênes, Emines 1, 5080 La Bruyère
since 19982.087.078.130
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92036C0001/00A004 | Wallonia | 3,431 m² | 1 · 193 m² | 9.8 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
AUBERGE ST. POL
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JUMAACO
BE 0669.526.464
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9HOTEL SABLON
BE 0535.738.720
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CHALETPARK ZUTENDAAL
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Of 2,384 companies in sector 55100 we hold annual accounts for 1,507. 1,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-1998
Fiscal year end30-09
Activities, NACEBEL
55100Hotels and similar accommodation
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@fidub.be