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DELMAR

Active
Private limited companyfounded 198640 yrs activeRue Collet, Nov. 24, 5380 Fernelmont, BelgiumKBO/BCE: BE 0428.880.550
Summary

DELMAR has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56,111 and a net result of -€4,971. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 1045 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
DELMARActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Certified accountants and tax accountants
NACE 69201Legal and accounting activities NACE 69202NACE 74121
#3 oldest company in Fernelmont, Professional and technical services sector1 site
Size
€110,820total assets 2025
Equity
€56,111
Loss
-€4,971
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 45 d early0 of 2 deeds read
Why 85- Liquidity: current ratio 1.53, cash €889, halved- Loss of €4,971 (FY 2025)+ Sector Legal and accounting activities (NACE 69)+ Size: total assets €110,820Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 18% of its sector peers (NACE 69, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 76-24
equity 50.6% of total assets
Liquidity 26-61
short-term debt 49.4% · cash 0.8%
Profitability 13-57
return on assets -4.5%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (19,836 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%● 0.0% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%● 0.0% vs 02-2025lowest value 04-2025: < 0.1%● 0.0% vs 03-2025lowest value 05-2025: < 0.1%● 0.0% vs 04-2025lowest value 06-2025: < 0.1%▲ +4.5% vs 05-2025 07-2025: < 0.1%▲ +4.3% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%▲ +8.3% vs 08-2025 10-2025: 0.1%▲ +288% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%● 0.0% vs 03-2026 05-2026: 0.1%▼ -3.0% vs 04-2026 06-2026: 0.1%▲ +17.3% vs 05-2026 07-2026: 0.1%▲ +7.0% vs 06-2026 08-2026: 0.1%▼ -5.7% vs 07-2026 09-2026: 0.1%▲ +12.1% vs 08-2026 10-2026: 0.2%▲ +36.2% vs 09-2026highest value
  • Sector Legal and accounting activities (NACE 69) lowers the probability
  • Liquidity: current ratio 1.53, cash €889, halved raises the probability
  • Size: total assets €110,820 lowers the probability for this profile
  • Loss of €4,971 (FY 2025) raises the probability
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.53; short-term debt: 49.4% and cash: 0.8% of total assets), and 49.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 47%, liquidity 7%, profitability 4%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Liquidity: current ratio 1.53, cash €889, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €110,820
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Loss of €4,971 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-09-2025, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
45 d early
2024
64 d early
2023
8 d early
2022
on the day
2021
5 d early
2020
7 d late
2019
32 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 23 October (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close03-10-2026 today31-10-2026 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Caution: Among the weakest 9% on net resultsector median €123,110 · 1,038 companies -€4,971 View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View
  • Active since 1986founded 29-04-1986 40 years View

By topic

Financials

Fiscal year
2025
Total assets
€110,820
Loss
-€4,971
Solvency
50.6%
Total assets▲ 38.5%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 31-10-2026
  1. 16-09-2025Annual accounts filed
  2. 28-08-2024Annual accounts filed
  3. 23-10-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Certified accountants and tax accountantsNACE 69201
Founded
29-04-1986
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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