Summary
Dember is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €853,901 and a net result of €190,436. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 8091 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
22 d early
2023
8 d late
2022
6 d early
2021
12 d late
2020
23 d late
2019
10 d late
← 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 1 day after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 25 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€853,901▲ 16.4%
2024 · €733,465
Net result
€190,436▲ 69.9%
2024 · €112,076
Total assets
€1.5m▲ 6.3%
2024 · €1.5m
Solvency
55.3%▲ 4.8pp
2024 · 50.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€14,157▼ 30.6%€18,958▲ 33.9%€26,591▲ 40.3%€67,813▲ 155%€86,863▲ 28.1%
Net result€5,207within the sector's middle half▼ 92.1%€112,124above the sector's middle half▲ 2,053%€70,565within the sector's middle half▼ 37.1%€112,076above the sector's middle half▲ 58.8%€190,436above the sector's middle half▲ 69.9%
Equity€553,700above the sector's middle half▲ 0.9%€665,824above the sector's middle half▲ 20.2%€691,389above the sector's middle half▲ 3.8%€733,465above the sector's middle half▲ 6.1%€853,901above the sector's middle half▲ 16.4%
Total assets€698,330within the sector's middle half▼ 7.8%€680,420within the sector's middle half▼ 2.6%€1.1mabove the sector's middle half▲ 65.9%€1.5mabove the sector's middle half▲ 28.7%€1.5mabove the sector's middle half▲ 6.3%
Debt€144,630▼ 30.8%€14,596▼ 89.9%€437,445▲ 2,897%€719,033▲ 64.4%€690,483▼ 4.0%
Working capital-€88,750below the sector's middle half▲ 5.5%€23,374within the sector's middle half-€17,925within the sector's middle half-€53,859below the sector's middle half▼ 200%€57,987within the sector's middle half
Solvency79.3%above the sector's middle half▲ 6.9pp97.9%above the sector's middle half▲ 18.6pp61.2%within the sector's middle half▼ 36.6pp50.5%within the sector's middle half▼ 10.8pp55.3%within the sector's middle half▲ 4.8pp
Current ratio0.39below the sector's middle half▼ 0.162.60within the sector's middle half▲ 2.210.80within the sector's middle half▼ 1.800.65below the sector's middle half▼ 0.151.35within the sector's middle half▲ 0.70
Return on assets (ROA)0.7%below the sector's middle half▼ 8.0pp16.5%within the sector's middle half▲ 15.7pp6.3%within the sector's middle half▼ 10.2pp7.7%within the sector's middle half▲ 1.5pp12.3%within the sector's middle half▲ 4.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€1.3m ▼ 2.5%
Current assets
€225,863 ▲ 127%
Equity and liabilities €1.5m
Equity
€853,901 ▲ 16.4%
Debt
€690,483 ▼ 4.0%
Debt's share of the balance-sheet total falls from 49.5% to 44.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
22.3%▲
2024 · 15.3%
Debt ≤ 1 year
€167,876▲
2024 · €153,473
Debt > 1 year
€518,607▼
2024 · €565,561
Income taxes
€36,451▲
2024 · €25,160
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €14,041 | €29,799 | €34,364 | ▲ 15.3% |
| Other operating charges640/8 | €348 | €868 | €4,697 | €8,454 | €14,797 | ▲ 75.0% |
| Gross operating margin9900 | €14,505 | €19,826 | €45,329 | €106,066 | €136,023 | ▲ 28.2% |
| Operating profit (loss)9901 | €14,157 | €18,958 | €26,591 | €67,813 | €86,863 | ▲ 28.1% |
| Financial income75/76B | €12 | €112,000 | €64,007 | €88,096 | €160,319 | ▲ 82.0% |
| Recurring financial income75 | €12 | €112,000 | €64,007 | €88,096 | €160,319 | ▲ 82.0% |
| Financial charges65/66B | €6,664 | €3,906 | €8,811 | €18,673 | €20,294 | ▲ 8.7% |
| Recurring financial charges65 | €6,664 | €3,906 | €8,811 | €18,673 | €20,294 | ▲ 8.7% |
| Profit (loss) for the period before taxes9903 | €7,505 | €127,053 | €81,786 | €137,236 | €226,887 | ▲ 65.3% |
| Income taxes67/77 | €2,298 | €14,929 | €11,221 | €25,160 | €36,451 | ▲ 44.9% |
| Profit (loss) for the period9904 | €5,207 | €112,124 | €70,565 | €112,076 | €190,436 | ▲ 69.9% |
| Profit (loss) for the period to be appropriated9905 | €5,207 | €112,124 | €70,565 | €112,076 | €190,436 | ▲ 69.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €698,330 | €680,420 | €1.1m | €1.5m | €1.5m | ▲ 6.3% |
| Fixed assets21/28 | €642,450 | €642,450 | €1.1m | €1.4m | €1.3m | ▼ 2.5% |
| Tangible fixed assets22/27 | - | - | €413,699 | €710,435 | €676,071 | ▼ 4.8% |
| Land and buildings22 | - | - | €413,699 | €710,435 | €676,071 | ▼ 4.8% |
| Financial fixed assets28 | €642,450 | €642,450 | €642,450 | €642,450 | €642,450 | = |
| Current assets29/58 | €55,880 | €37,970 | €72,685 | €99,613 | €225,863 | ▲ 127% |
| Amounts receivable within one year40/41 | €611 | €384 | - | - | - | - |
| Trade receivables40 | €61 | - | - | - | - | - |
| Other amounts receivable41 | €550 | €384 | - | - | - | - |
| Cash at bank and in hand54/58 | €55,269 | €37,586 | €70,520 | €97,390 | €223,555 | ▲ 130% |
| Deferred charges and accrued income490/1 | - | - | €2,166 | €2,224 | €2,308 | ▲ 3.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €698,330 | €680,420 | €1.1m | €1.5m | €1.5m | ▲ 6.3% |
| Equity10/15 | €553,700 | €665,824 | €691,389 | €733,465 | €853,901 | ▲ 16.4% |
| Contributions10/11 | €20,000 | €20,000 | €33,100 | €33,100 | €33,100 | = |
| Capital10 | €20,000 | €20,000 | - | - | - | - |
| Issued capital100 | €20,000 | €20,000 | - | - | - | - |
| Reserves13 | €413,100 | €523,100 | €535,500 | €647,500 | €767,500 | ▲ 18.5% |
| Non-distributable reserves130/1 | €13,100 | €13,100 | - | - | - | - |
| Legal reserve130 | €13,100 | €13,100 | - | - | - | - |
| Distributable reserves133 | €400,000 | €510,000 | €535,500 | €647,500 | €767,500 | ▲ 18.5% |
| Profit (loss) carried forward14 | €120,600 | €122,724 | €122,789 | €52,865 | €53,301 | ▲ 0.8% |
| Amounts payable17/49 | €144,630 | €14,596 | €437,445 | €719,033 | €690,483 | ▼ 4.0% |
| Amounts payable after more than one year17 | - | - | €346,835 | €565,561 | €518,607 | ▼ 8.3% |
| Financial debts170/4 | - | - | €346,835 | €565,561 | €518,607 | ▼ 8.3% |
| Amounts payable within one year42/48 | €144,630 | €14,596 | €90,610 | €153,473 | €167,876 | ▲ 9.4% |
| Current portion of amounts payable after more than one year42 | - | - | €20,127 | €45,391 | €46,954 | ▲ 3.4% |
| Trade debts44 | €583 | €436 | €413 | €169 | €130 | ▼ 22.7% |
| Suppliers440/4 | €583 | €436 | €413 | €169 | €130 | ▼ 22.7% |
| Taxes, remuneration and social security45 | €8,047 | €13,788 | €25,070 | €58,913 | €50,792 | ▼ 13.8% |
| Taxes450/3 | €8,047 | €13,788 | €25,070 | €58,913 | €50,792 | ▼ 13.8% |
| Other amounts payable47/48 | €136,000 | €373 | €45,000 | €49,000 | €70,000 | ▲ 42.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €4,000 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,207 | €112,124 | €70,565 | €112,076 | €190,436 | ▲ 69.9% |
| + Depreciation and write-downs630 | - | - | €14,041 | €29,799 | €34,364 | ▲ 15.3% |
| Operating cash flow (approximation) | €5,207 | €112,124 | €84,607 | €141,875 | €224,800 | ▲ 58.4% |
| Investment in fixed assets (approximation) | - | €0 | -€427,740 | -€326,535 | €0 | ▲ 100% |
| Change in cash | - | -€17,683 | €32,934 | €26,870 | €126,165 | ▲ 370% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-09
State Gazette act
RestructuringAppointment: Olivier RONSMANS (réviseur d'entreprises) · Demerger · Capital35 facts ▸
State Gazette act
Restructuring
Appointment: Olivier RONSMANS (réviseur d'entreprises) · Demerger · Capital35 facts ▸
- Demerger, partial demerger, new company
- Capital, €33.100
- Shareholding, actions sans désignation de valeur nominale, 319
- Shareholding, actions sans désignation de valeur nominale, 1
- Real estate, entrepôt avec toutes dépendances, sur et avec terrain, sis à front de la Rue de Saint-Hubert
- Real estate, entrepôt avec toutes dépendances, sur et avec terrain, sis à 6800 Libramont-Chevigny, rue du Printemps, numéro 30
- Real estate, jardin sis en lieu-dit « Au Chemin des Allemands »
- Other statement, transfer of rights and obligations
- Other statement, transfer of liabilities
- Director in office, David DEMBLON (director)
- Other statement, motivation de l'opération, respect des conditions de neutralité fiscale
- Other statement, motivation 1, Séparation des risques locatifs et de gestion
- +23 further facts in this act
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €190,436 ▲69.9%
Operating result €86,863, net result €190,436, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.35
Current ratio from 0.65 to 1.35.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 7current ratio 2.60
Current ratio from 0.39 to 2.60; short-term debt falls from €144,630 to €14,596.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Weakest financial yearnet €5,207 ▼92.1%
Net result drops to €5,207, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Equity above €500,000Eq €548,493 ▲13.7%
3 profitable years in a row build equity to €548,493.
Show earlier events
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Havelange · 1 establishment unit since 2011
Ground area
5,938 m²
Building footprint
784 m²
Parcel 91084D0473/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Flaminette(MA) 1, 5374 Havelange
since 20112.200.794.990
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91084D0473/00R000 | Wallonia | 5,938 m² | 1 · 784 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Purpose
Toutes opérations immobilières, et la gestion au sens large de son patrimoine immobilier et financier; Acquérir, faire construire, transformer des immeubles, les lotir, les…
Full purpose (9 activities)
- Toutes opérations immobilières, et la gestion au sens large de son patrimoine immobilier et financier
- Acquérir, faire construire, transformer des immeubles, les lotir, les aménager, les rénover, les vendre et les donner en location
- Toutes opérations financières de quelque nature que ce soit
- Toutes opérations de consultance, de conseil, de formation, d'assistance ou de services généralement quelconques liés au domaine de l'immobilier
- Prêter à toutes sociétés et se porter caution pour elles, même hypothécairement
- Pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet ou qui seraient de nature à faciliter directement ou indirectement, entièrement ou partiellement, la réalisation de cet objet
- S'intéresser par voie d'association, d'apport, de fusion, d'intervention financière ou autrement dans toutes sociétés, associations ou entreprises dont l'objet est identique, analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
- Exercer les fonctions d'administrateur ou liquidateur dans d'autres sociétés
- Subordonner son action à la réalisation des conditions préalables d'accès à la profession si la prestation de certains actes en est soumise
Accounting effect
01-07-2026
Other statement
One provision in the deed
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
- CENTRALE AUTOMOBILEsubsidiaryEquity €2.1mResult €583,84580%
According to the 2025 annual accounts of Dember and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionSplit off to:IMMO DEMBER
Capital and shareholders
Shareholders according to the acts
Stated in the act
act of 10-09-2026 ↗
- David DEMBLON 319 shares
- Juliette BERTOT 1 share
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 10-09-2026 Capital stated in the act · 33,100 EUR · 320 shares
Similar companies · same sector, comparable size
Pente
BE 0503.891.541
Zele · Eq €853,934
PFP Invest
BE 0752.665.362
Herselt · Eq €853,620
TBC INVEST
BE 0644.561.832
Chaumont-Gistoux · Eq €854,432
LEPCOM
BE 0645.759.385
Waregem · Eq €854,452
Wouter Moeraert
BE 0537.533.418
Damme · Eq €854,768
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,041 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0836908575
Also
9925:BE0836908575
Registered
29-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.