DEM & VER
InactiveDEM & VER was declared bankrupt on 31-03-2025 (Tribunal de l’entreprise francophone de Bruxelles); the bankruptcy was closed for insufficient assets by judgment of 31-03-2026, published in the Belgian State Gazette on 28-04-2026.
No longer registered with the KBO; last annual accounts for fiscal year 2022.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline22-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 13-04-2024, 257 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
257 d late
2021
622 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€394k▼ 1.9%
2021 · €401k
2021: €401k
2021 → 2022
Total assets
€581k▲ 5.2%
2021 · €552k
2021: €552k
2021 → 2022
Net result
€-4k
2021 · €7k
2021: €7k
2021 → 2022
Working capital
€242k▼ 3.0%
2021 · €250k
2021: €250k
2021 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022Trend
Equity€401k-€394k▼ 1.9%
Operating result€11k-€-4k
Net result€7k-€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2022: a loss of €4k after €11k in 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €581k
Fixed assets
€152k=
Current assets
€429k▲ 7.1%
Equity and liabilities €581k
Equity
€394k▼ 1.9%
Debt
€187k▲ 23.8%
The debt ratio rises from 27.4% to 32.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
67.8%▼
2021 · 72.6%
Current ratio
2.29▼
2021 · 2.65
Quick ratio
2.29▼
2021 · 2.65
Debt / equity
0.48▲
2021 · 0.38
ROE
-1.0%▼
2021 · 1.7%
ROA
-0.7%▼
2021 · 1.2%
Debt
€187k▲
2021 · €151k
Debt ≤ 1 year
€187k▲
2021 · €151k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€552k€581k▲
Fixed assets21/28€152k€152k=
Tangible fixed assets22/27€2k€2k=
Furniture and vehicles24€2k€2k=
Financial fixed assets28€150k€150k=
Current assets29/58€401k€429k▲
Amounts receivable within one year40/41€398k€426k▲
Trade receivables40€58k€176k▲
Other amounts receivable41€340k€250k▼
Cash at bank and in hand54/58€3k€3k=
Deferred charges and accrued income490/1€1€140▲
Equity and liabilities
Total equity and liabilities10/49€552k€581k▲
Equity10/15€401k€394k▼
Contributions10/11€350k€350k=
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Profit (loss) carried forward14€46k€39k▼
Amounts payable17/49€151k€187k▲
Amounts payable within one year42/48€151k€187k▲
Trade debts44€85k€120k▲
Suppliers440/4€85k€120k▲
Taxes, remuneration and social security45€46k€46k▲
Taxes450/3€46k€46k▲
Other amounts payable47/48€20k€20k=
Income statement
Code20212022
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€496-
Gross operating margin9900€12k€-4k▼
Operating profit (loss)9901€11k€-4k▼
Financial charges65/66B€133-
Recurring financial charges65€133-
Profit (loss) for the period before taxes9903€11k€-4k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€7k€-4k▼
Profit (loss) for the period to be appropriated9905€7k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€39k▼
Profit (loss) brought forward from the previous period14P€39k€43k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-04
Bankruptcy
Bankruptcy closure (insufficient assets)
Tribunal de l’entreprise francophone de Bruxelles · SRL DEM&VER RUE DES PATRIOTES 38/A, 1000 BRUXELLES. déclarée le 31 mars 2025 · event 31-03-2026
2025
07-04
Bankruptcy
Opening
Tribunal de l’entreprise francophone de Bruxelles · SRL DEM&VER RUE DES PATRIOTES 38/A, 1000 BRUXELLES · event 31-03-2025
2024
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 257 days late
13-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 622 days late
SignalNBB filing
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
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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | ANICET BAUM AVENUE ARMAND HUYSMANS 212,
1050 IXELLES |
31-03-2025 → present |