DEMAN.BE
ActiveSummary
The computed 12-month bankruptcy probability of DEMAN.BE is 2.7% (moderate). The 2025 annual accounts show equity of €28,685 and a net result of €18,685. Its solvency ranks better than 22% of 13,749 sector peers (NACE 46, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 25-06-2024 Normal situation
- Activity
- Wholesale trade NACE 46839and 2 others
- Establishment units
- 2.361.441.739 6596 Momignies, since 25-06-2024
- 2.386.896.420 6060 Charleroi, since 01-12-2025
- Financial year end
- 31 May
- Peppol
- Reachable
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.7%
Annual accounts to 31-05-2025
- Gross margin
- €31,356
- Turnover
- ≈ €200,000
- estimated
- Profit
- €18,685
- Equity
- €28,685
- Total assets
- €834,011
- 2025 accounts filed 13 days after the deadline
Score breakdownraises riskLiquidity: current ratio 1.02, cash €259Founded in 20242 establishment unitslowers riskSize: total assets €834,011Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 26% of micro companies in wholesale trade (NACE 46)
Financial strength
Weak
Solvency
28
equity 3.4% of total assets
Liquidity
0
short-term debt 93.3% · cash 0.0%
Profitability
72
return on assets 2.2%
Bankruptcy probability within 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 1.6%lowest value
08-2025: 1.6%● unchanged vs 07-2025lowest value
09-2025: 1.7%▲ +0.1 percentage points vs 08-2025
10-2025: 2.0%▲ +0.3 percentage points vs 09-2025
11-2025: 2.1%▲ +0.1 percentage points vs 10-2025
12-2025: 2.7%▲ +0.6 percentage points vs 11-2025
01-2026: 2.7%● unchanged vs 12-2025
02-2026: 3.0%▲ +0.3 percentage points vs 01-2026
03-2026: 3.0%● unchanged vs 02-2026
04-2026: 2.9%▼ -0.1 percentage points vs 03-2026
05-2026: 3.2%▲ +0.3 percentage points vs 04-2026
06-2026: 3.3%▲ +0.1 percentage points vs 05-2026
07-2026: 3.3%● unchanged vs 06-2026highest value
08-2026: 3.3%● unchanged vs 07-2026highest value
09-2026: 3.3%● unchanged vs 08-2026highest value
10-2026: 2.7%▼ -0.6 percentage points vs 09-2026
11-2026: 2.7%● unchanged vs 10-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02, below the usual 1.5. Short-term debt is 93.3% and cash 0% of total assets. 96.6% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 19% of them on solvency, 2% on liquidity and 56% on profitability.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-05-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 13749 sector peers (2025).
NBB · sector comparisonPosition among 13749 sector peers
Solvency
better than 22%
← weakest
strongest →
raises risk · 2025 accounts filed 13 days late
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 13-01-2026, 13 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
13 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 13 days after the deadline Filed on 13 January 2026, deadline 31 December 2025 (7 months after the close on 31 May 2025, Companies Code art. 3:10). Source: NBB, 2026-00007306.
Annual accounts 2025 filed on 13-01-2026 at the NBB
Turnover
≈ €200,000
Estimated: probably between €110,000 and €390,000
Total assets
€834,011
Net result
€18,685
Working capital
€14,350
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
Assets €834,011
Fixed assets
€41,177
Current assets
€792,834
Equity and liabilities €834,011
Equity
€28,685
Debt
€805,326
Debt's share of the balance-sheet total is 96.6%.
Key figures and ratios
EBITDA
€31,034
Cash flow
€21,503
Current ratio
1.02
Quick ratio
0.55
Debt to equity
28.07
ROE
65.1%
ROA
2.2%
Interest coverage
15.47
Debt ≤ 1 year
€778,484
Debt > 1 year
€26,842
Income taxes
€7,525
Investments
| Item | 31-05-2025 |
|---|---|
| Tangible fixed assets | €43,995 |
| Depreciation and write-downs of the year | €2,818 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,818 |
| Other operating charges640/8 | €322 |
| Gross operating margin9900 | €31,356 |
| Operating profit (loss)9901 | €28,216 |
| Financial charges65/66B | €2,006 |
| Recurring financial charges65 | €2,006 |
| Profit (loss) for the period before taxes9903 | €26,210 |
| Income taxes67/77 | €7,525 |
| Profit (loss) for the period9904 | €18,685 |
| Profit (loss) for the period to be appropriated9905 | €18,685 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €834,011 | |
| Fixed assets21/28 | €41,177 | |
| Tangible fixed assets22/27 | €41,177 | |
| Furniture and vehicles24 | €41,177 | |
| Current assets29/58 | €792,834 | |
| Stocks and contracts in progress3 | €365,516 | |
| Stocks30/36 | €365,516 | |
| Amounts receivable within one year40/41 | €427,059 | |
| Trade receivables40 | €409,687 | |
| Other amounts receivable41 | €17,372 | |
| Cash at bank and in hand54/58 | €259 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €834,011 | |
| Equity10/15 | €28,685 | |
| Contributions10/11 | €10,000 | |
| Profit (loss) carried forward14 | €18,685 | |
| Amounts payable17/49 | €805,326 | |
| Amounts payable after more than one year17 | €26,842 | |
| Financial debts170/4 | €26,842 | |
| Amounts payable within one year42/48 | €778,484 | |
| Current portion of amounts payable after more than one year42 | €11,490 | |
| Trade debts44 | €542,307 | |
| Suppliers440/4 | €542,307 | |
| Taxes, remuneration and social security45 | €7,525 | |
| Taxes450/3 | €7,525 | |
| Other amounts payable47/48 | €217,162 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €18,685 |
| + Depreciation and write-downs630 | €2,818 |
| Operating cash flow (approximation) | €21,503 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 1,514 companies had the same profile as DEMAN.BE has now. Two years later, 95.8% were still going and 2.4% had gone bankrupt.
- Small
- 2 to 5 years old
- solvency under 10%
- a profit under 5% of the balance sheet
95.8%
was still going
1.5%
stopped otherwise
2.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DEMAN.BE itself: 2.7% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,514 companies, not a prediction for DEMAN.BE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-05-2025 | micro format | 13-01-2026 | 2026-00007306 |
Board & ownership
Directors
Directors
1 director, since incorporation
MAN Daniel
Current
Director (not named in the articles) · appointed by deed of 27-06-2024 · term without a fixed end
Owners and capital
Shareholders
At incorporation
deed of 27-06-2024 ↗
- MAN Daniel 100 shares (100%) · €10,000
Capital transactions
Capital over time
- 27-06-2024 Incorporation · €10,000
- 27-06-2024 Incorporation · €10,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
Articles of association, deed of 27-06-2024 (in French)
Network & group
DEMAN.BE shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of DEMAN.BE. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Deeds, filings and financial milestones
2026
13-01
micro format · 13 days late
2024
27-06
Gazette deed
IncorporationFounding capital of €10,000, 100 shares · Founder: MAN Daniel · Appointment: MAN Daniel (director)5 points ▸
Gazette deed
Incorporation
Founding capital of €10,000, 100 shares · Founder: MAN Daniel · Appointment: MAN Daniel (director)5 points ▸
- Founder, MAN Daniel
- Founding capital, €10,000
- Founding capital, €10,000, 100 shares
- Registered office clause, rue des Trappistes 5, 6596 Momignies (Forge-Philippe)
- Director appointment, MAN Daniel (director (not named in the articles))
- The deed holds 7 more points.
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordName
DEMAN.BE in French
Enterprise number
1010.713.571
Legal form
Private limited company
Status
Active, normal situation
Founded
25-06-2024
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 27-06-2024 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région de Bruxelles-Capitale”
deed of 27-06-2024 (in French)Registered office and establishments
Registered office
Rue des Trappistes 5, 6596 Momignies, Belgium
Establishment units
DEMAN.BE, Rue des Trappistes 5, 6596 Momignies since 25-06-2024 · unit number 2.361.441.739
Commerce achat et vente, Rue Horace Pierard 6, 6060 Charleroi since 01-12-2025 · unit number 2.386.896.420 47522 Retail trade
Activities
NACEBEL 2025VAT activities
46839
Wholesale trade main activity
46180
Agents specialised in the wholesale of other particular products
Social security (RSZ) activities
47529
Retail trade main activity
Codes under NACEBEL 2008
46739
Wholesale trade main activity
46180
Wholesale trade
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 27-06-2024 (in French)
“L’achat,la vente,la location,l’importation,l’exportation en gros et au détail de tous articles de quincaillerie et d’outillage,de tous…”
30 activities
- L’achat,la vente,la location,l’importation,l’exportation en gros et au détail de tous articles de quincaillerie et d’outillage,de tous produits du bâtiment
- Toutes opérations se rapportant à l’importation,l’exportation,la fabrication,la réparation,l’installation,le commerce en gros,demi-gros et détail,l’entretien,le placement de tous articles de quincaillerie,de tous appareils et matériel électrique,d’éclairage ainsi que tout ce qui se rapporte au domaine de l’électronique et de tout autre type
- Toutes activités généralement quelconques dans le domaine de l’électricité et de l’électronique
- La vente,l’achat,la location de toutes machines se rapportant directement ou indirectement au domaine du génie civil
- Toute activité généralement quelconque d’aménagement et de restauration de bâtiments
- Tout le matériel accessoire aux dites activités
- L’exploitation d’un commerce de gros et de détail de tous produits et articles de la métallurgie,produits et articles en matière plastique,en cuivre,en plomb,en zinc,en aluminium matériaux divers
- L’exploitation d’un commerce de gros et détail en treillis de clôture,peintures,quincaillerie,vieux métaux et mitraille,matériaux de construction,machines,machines-outils,outillage et accessoires pour le travail du fer
- L’achat,la vente,la prise en location,la mise en location,le leasing,le prêt,la mise à disposition,le dépôt,la conservation,ou autrement,sous la forme notamment d’un commerce de gros,d’un commerce de détail,d’un commerce de commission,directement et/ou par le biais d’intermédiaires,de franchise en tant que franchiseur et/ou franchisé,à distance,en ligne,de tous produits dans les secteurs du bricolage,de la construction,de l’industrie,de l’équipement ménager,des articles de décoration,des articles d’équipement personnel,de l’alimentation,des plantes,des fleurs,des articles pour l’agriculture et l’horticulture et des secteurs connexes au sens le plus large du terme
- L’exploitation au sens le plus large des droits de propriété intellectuelle et du savoir-faire,notamment l’exploitation de marques,de logos,de dessins et modèles,de brevets
- D’autres services administratifs et commerciaux
- L’achat,la vente,la prise en location,la mise en location,le leasing,le prêt,la mise à disposition,le dépôt,la conservation,la construction,l’exploitation de biens et services mobiliers et immobiliers de toute nature,à la fois pour son propre compte,à des fins d’investissement et pour le compte de tiers
- La réalisation de toutes opérations commerciales,industrielles,financières,mobilières ou immobilières de quelque nature que ce soit,qui se rattachent directement ou indirectement à son objet
- Travaux de construction:L’activité d’entrepreneur en maçonnerie,béton,plafonneur-cimentier,carreleur,en ce compris le placement de vitres,vitrages,serres,vérandas,vitrines,miroirs,charpentes,menuiserie métalliques,plastiques et bois,toitures,ainsi que tout travaux de bâtiment,de terrassements,pose de chapes,montage de cloisons sèche à base de plâtre,tout travaux d’étanchéité d’immeubles,travaux d’isolation acoustique,thermique et antivibratoire,travaux de démolition,peintures industrielles,pose de papiers peints,de revêtements de sols en bois ou autres matières,installation de système de chauffage,de climatisation et de ventilations,plomberie,installations sanitaires,zinguerie,installations électriques en tous genres,pose de clinkers et travaux de jardinage,la création et l’entretien de jardins,de parcs et d’espaces verts pour installations sportives et autres,la construction de cheminées décoratives et de feux ouverts,l’activité d’une entreprise de lavage de vitres,de nettoyage et de désinfection de maison et locaux,meubles d’ameublement et objets divers,de ramonage de cheminée,en ce compris la fabrication et le garnissage de meubles,les travaux d’égouts,l’installation d’échafaudages,le rejointoyage et le nettoyage de façade,la ferronnerie,la pose de câbles et de canalisations divers,l’installation de stands pour foires et expositions,la création d’étalages et de décors,la décoration et l’aménagement intérieur,et plus particulièrement de magasins et de bureaux.De manière générale,l’entreprise générale du bâtiment,tous travaux,ayant pour objet la construction,l’achèvement,la finition,la rénovation et la démolition de tous immeubles,ainsi que la serrurerie
- De bar,de café,hôtel,de débit de boissons
- Téléboutique,réseau,programmation informatique,création de site web
- Titre services(nettoyage à domicile,lessive,repassage,petits travaux de couture,préparation des repas,services de courses ménagères)
- Atelier de fabrication de tous produits de boulangerie et de pâtisserie,de tous produits alimentaires et non alimentaires
- Tous snacks bars,brasseries,hôtels salon de consommation,restaurants,tavernes,cafés,cabarets,discothèques,buffets,vestiaires pour publics,locations de places,salles d’organisation,de banquet et service traiteur
- La messagerie,les services de fax,de cabines téléphoniques et de photocopies de laboratoire et de développement photos,d’atelier de tournage,d’affûtage et de rectification de pièces mécaniques
- De taxis,car-wash,station-service(tous carburants tels que mazout,diesel,gaz,..),garage avec atelier de réparation,entretien et dépannage,ainsi que tous accessoires automobiles
- D’un salon de coiffure
- Fournir tous services ou prestations au profit de toutes clientèles privées ou commerciales,notamment:le nettoyage et l’entretien d’immeubles,le nettoyage de vitres et de bureaux,de petits travaux de bureau,services intermédiaires,sous-traitance
- Développement des systèmes d’information liés au CTI(computer téléphonie intégration),achat et vente de matériel informatique lié à l’exploitation
- Toutes activités liées à la communication(téléphone,internet…)au sens large
- Toutes activités de traduction de documents et autres
- Toute activité de construction,de démolition,de rénovation d’immeubles
- Import-export des produits alimentaires
- Commerce de détail des produits alimentaires
- Commerce des vêtements pour enfants,femmes,hommes
Invoicing and payment
VAT number
BE 1010.713.571
Financial year and general meeting
Accounts at the NBBFinancial year end
31-05
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Wednesday of November at 18:00
deed of 27-06-2024 (in French)Sites & property
Location
Buildings and parcels at the addresses
Ground area
1,525 m²
Building footprint
706 m²
Building volume
6,819 m³
Tallest building: 12.4 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 56026F0005/00E020 | Wallonia | 898 m² | 1 · 587 m² | 12.4 m · 3 |
| 52026D0614/00T002 | Wallonia | 627 m² | 1 · 118 m² | 10.8 m · 2 |