DEMCA Training & Consulting
ActiveDEMCA Training & Consulting has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.60M and a net result of €236k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
83
/ 100
Excellent▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▼-12
Solvency100▲+1
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 9.06 against 2.88 in 2023), and 13.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
86.2%
Return on assets
12.7%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-10-2025, 63 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 filingsDeviation from the deadline
2025
not confirmed
2024
63 d late
2023
30 d late
2022
30 d late
2021
13 d early
2020
30 d late
2019
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.60M▲ 17.3%
2023 · €1.36M
2018: €1.76M
2019: €1.92M
2020: €1.79M
2021: €1.79M
2022: €1.88M
2023: €1.36M
2018 → 2024
Total assets
€1.85M▼ 12.8%
2023 · €2.12M
2018: €2.10M
2019: €2.12M
2020: €1.93M
2021: €1.85M
2022: €2.23M
2023: €2.12M
2018 → 2024
Net result
€236k▲ 0.7%
2023 · €234k
2018: €-79k
2019: €158k
2020: €107k
2021: €170k
2022: €185k
2023: €234k
2018 → 2024
Working capital
€1.33M▲ 16.3%
2023 · €1.14M
2018: €1.70M
2019: €1.84M
2020: €1.72M
2021: €1.74M
2022: €1.71M
2023: €1.14M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.79M-€1.79M=€1.88M▲ 4.8%€1.36M▼ 27.5%€1.60M▲ 17.3%
Operating result€144k-€211k▲ 46.4%€242k▲ 14.7%€269k▲ 11.0%€267k▼ 0.9%
Net result€107k-€170k▲ 58.5%€185k▲ 9.4%€234k▲ 26.2%€236k▲ 0.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.85M
Fixed assets
€359k▼ 4.5%
Current assets
€1.49M▼ 14.6%
Equity and liabilities €1.85M
Equity
€1.60M▲ 17.3%
Debt
€256k▼ 66.5%
The debt ratio falls from 36.0% to 13.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€285k▼
2023 · €287k
Cash flow
€254k▲
2023 · €253k
Solvency
86.2%▲
2023 · 64.0%
Current ratio
9.06▲
2023 · 2.88
Quick ratio
9.06▲
2023 · 2.88
Debt / equity
0.16▼
2023 · 0.56
ROE
14.8%▼
2023 · 17.2%
ROA
12.7%▲
2023 · 11.0%
Interest coverage
-50.80▼
2023 · -20.68
Debt
€256k▼
2023 · €764k
Debt ≤ 1 year
€165k▼
2023 · €606k
Debt > 1 year
€91k▼
2023 · €158k
Income taxes
€102k▼
2023 · €102k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.12M€1.85M▼
Fixed assets21/28€376k€359k▼
Tangible fixed assets22/27€376k€359k▼
Land and buildings22€263k€257k▼
Plant, machinery and equipment23€90k€84k▼
Furniture and vehicles24€23k€19k▼
Current assets29/58€1.75M€1.49M▼
Amounts receivable within one year40/41€327k€363k▲
Trade receivables40€155k€179k▲
Other amounts receivable41€172k€184k▲
Current investments50/53€1.19M€805k▼
Cash at bank and in hand54/58€233k€323k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€2.12M€1.85M▼
Equity10/15€1.36M€1.60M▲
Contributions10/11€12k€12k=
Reserves13€1.35M€1.58M▲
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Distributable reserves133€1.34M€1.57M▲
Amounts payable17/49€764k€256k▼
Amounts payable after more than one year17€158k€91k▼
Financial debts170/4€158k€91k▼
Amounts payable within one year42/48€606k€165k▼
Current portion of amounts payable after more than one year42€66k€67k▲
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Taxes, remuneration and social security45€64k€96k▲
Taxes450/3€64k€96k▲
Other amounts payable47/48€467k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€294k€291k▼
Operating profit (loss)9901€269k€267k▼
Financial income75/76B€53k€65k▲
Recurring financial income75€53k€65k▲
Financial charges65/66B€-14k€-6k▲
Recurring financial charges65€-14k€-6k▲
Profit (loss) for the period before taxes9903€336k€337k▲
Income taxes67/77€102k€102k▼
Profit (loss) for the period9904€234k€236k▲
Profit (loss) for the period to be appropriated9905€234k€236k▲
Appropriation of the result
Profit (loss) to be appropriated9906€234k€236k▲
Transfer from equity791/2€750k-
Transfer to equity691/2€234k€236k▲
To other reserves6921€234k€236k▲
Profit to be distributed694/7€750k-
Return on contributions (dividend)694€750k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
31-12
Financial
Highest result since 2018net €236k ▲0.7%
Net result €236k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 9.06
Current ratio from 2.88 to 9.06; short-term debt falls from €606k to €165k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 32.37
Current ratio from 13.31 to 32.37; short-term debt falls from €140k to €55k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €158k
Net result €158k after one loss-making year.
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 41 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Kraainem · 1 establishment unit since 2000
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.
Hertenlaan 281950 KraainemGround area
4,061 m²
Building footprint
335 m²
Volume, LiDAR
2,308 m³
Parcel 22002C0047/00L020, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hertenlaan 28, 1950 Kraainem
since 20002.093.708.178
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0047/00L020 | Flanders | 4,061 m² | 1 · 335 m² | 11.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500BZ62CB08DF5419
Similar companies · same sector, comparable size
IPS Holding
BE 0766.351.171
Duffel · Eq €1.60M
KIM VERDONCK
BE 0875.810.327
Keerbergen · Eq €1.60M
Arkrico
BE 0843.044.123
Olen · Eq €1.60M
INSTRUWELL
BE 0423.864.264
Ieper · Eq €1.60M
THESEUM
BE 0834.490.307
Brussel · Eq €1.60M
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 22,631 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2000
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.