DELBAR-DECAMPS

Active

Private limited companyfounded 200817 yrs activeAvenue du Beau-Séjour(TOU) 48, 7500 Tournai, BelgiumKBO/BCE: BE 0808.629.117

DELBAR-DECAMPS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2025

62 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability89▲+37

Solvency36▲+18

Growth63▲+17

Track record100

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.89 against 0.68 in 2024; short-term debt: 89.3% and cash: 36.6% of total assets), and 89.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Nine signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

10.7%

Return on assets

16.5%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 10252 sector peers (2025).

NBB · sector comparison

Position among 10252 sector peers

Solvency

better than 20%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 filings

Deviation from the deadline

2025

25 d late

2024

28 d late

2023

29 d late

2022

4 d early

2021

25 d late

2020

20 d late

2019

46 d late

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

€724k▲ 18.9%

2019 · €609k

2018: €575k 2019: €609k

2018 → 2020

EBIT margin

-2.4%▼ 1.0pp

2019 · -1.3%

2018: 1.6% 2019: -1.3%

2018 → 2020

Net result

€22k▲ 1,292%

2024 · €2k

2018: €8k 2019: €-12k 2020: €-18k 2021: €-2k 2022: €-2k 2023: €21k 2024: €2k

2018 → 2025

Working capital

€-13k▲ 64.9%

2024 · €-38k

2018: €6k 2019: €-3k 2020: €-21k 2021: €-35k 2022: €-45k 2023: €-35k 2024: €-38k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-10k-€-11k▼ 16.8%€-9k▲ 16.6%€-8k▲ 16.9%€14k

Operating result€3k-€607▼ 78.1%€25k▲ 3,948%€6k▼ 75.7%€32k▲ 426%

Net result€-2k-€-2k▲ 33.2%€21k€2k▼ 92.3%€22k▲ 1,292%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 426% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €135k

20.5%

79.5%

Fixed assets €28k▼ 7.3%

Current assets €108k▲ 34.1%

Equity and liabilities €135k

11%

89.3%

Equity €14k

Debt €121k

Debt finances 89.3% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€40k▲

2024 · €13k

Cash flow

€31k▲

2024 · €9k

Solvency

10.7%▲

2024 · -7.2%

Current ratio

0.89▲

2024 · 0.68

Quick ratio

0.77▲

2024 · 0.57

Debt / equity

8.37▲

2024 · -14.98

ROE

154.5%

ROA

16.5%▲

2024 · 1.5%

Interest coverage

11.74▲

2024 · 3.71

Debt

€121k▲

2024 · €118k

Debt ≤ 1 year

€121k▲

2024 · €118k

Income taxes

€6k▲

2024 · €850

Staff costs

€225k▼

2024 · €228k

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€110k€135k▲

Fixed assets21/28€30k€28k▼

Tangible fixed assets22/27€25k€23k▼

Land and buildings22€2k€4k▲

Plant, machinery and equipment23€20k€18k▼

Furniture and vehicles24€2k€1k▼

Financial fixed assets28€5k€4k▼

Current assets29/58€80k€108k▲

Stocks and contracts in progress3€13k€15k▲

Stocks30/36€13k€15k▲

Amounts receivable within one year40/41€35k€35k▲

Trade receivables40€24k€28k▲

Other amounts receivable41€12k€7k▼

Cash at bank and in hand54/58€23k€50k▲

Deferred charges and accrued income490/1€9k€8k▼

Equity and liabilities

Total equity and liabilities10/49€110k€135k▲

Equity10/15€-8k€14k▲

Contributions10/11€1k€1k=

Profit (loss) carried forward14€-9k€13k▲

Amounts payable17/49€118k€121k▲

Amounts payable within one year42/48€118k€121k▲

Current portion of amounts payable after more than one year42€6k€9k▲

Trade debts44€75k€79k▲

Suppliers440/4€75k€79k▲

Taxes, remuneration and social security45€31k€32k▲

Taxes450/3€3k€4k▲

Remuneration and social security454/9€28k€28k▼

Other amounts payable47/48€6k€2k▼

Income statement Code20242025

Remuneration, social security and pensions62€228k€225k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲

Other operating charges640/8€4k€4k▼

Gross operating margin9900€245k€268k▲

Operating profit (loss)9901€6k€32k▲

Financial income75/76B-€7

Recurring financial income75-€7

Financial charges65/66B€4k€3k▼

Recurring financial charges65€4k€3k▼

Profit (loss) for the period before taxes9903€2k€28k▲

Income taxes67/77€850€6k▲

Profit (loss) for the period9904€2k€22k▲

Profit (loss) for the period to be appropriated9905€2k€22k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-9k€13k▲

Profit (loss) brought forward from the previous period14P€-10k€-9k▲

Social balance

Average headcount (FTE)90875.15.2▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

25-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 25 days late

2025

31-12

Financial Highest result since 2018net €22k ▲1292%

Operating result €32k, net result €22k, both a record.

28-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 28 days late

2024

29-08

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 29 days late

2023

31-12

Financial Back to profitnet €21k

Net result €21k after 4 loss-making years.

27-07

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

25-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 25 days late

2021

20-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 20 days late

2020

31-12

Financial Weakest financial yearnet €-18k

Net result drops to €-18k, the lowest in the series; recovery starts the following year.

15-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 46 days late

2019

28-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 28 days late

2018

17-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 17 days late

2017

14-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 14 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Tournai · 2 establishment units since 2009

establishment All 2 establishment units on the map

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.

Avenue du Beau-Séjour(TOU) 487500 Tournai

Ground area

610 m²

Building footprint

176 m²

Volume, LiDAR

1,512 m³

3 parcels, Wallonia · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.

2 establishment units

Au sanglier

Chaussée de Saint-Amand(TOU) 113, 7500 TournaiRetail sale of meat and meat products, excluding game and poultry

since 20092.179.232.880

AU SANGLIER

Rue Saint-Eleuthère(TOU) 78, 7500 TournaiRetail sale of meat and meat products, excluding game and poultry

since 20172.267.797.345

3 parcels

Wallonia 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57463L0241/00N000	Wallonia	243 m²	1 · 72 m²	7.8 m · 2 fl.
57081I0555/00Y000	Wallonia	222 m²	1 · 44 m²	11.2 m · 3 fl.
57463L0183/00W000	Wallonia	145 m²	1 · 60 m²	12.5 m · 4 fl.