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Demer en Dijle

Active Risk: not assessed
Public limited companyfounded 1952active for 74 yearsDe Lange Beemden 14, 3550 Heusden-Zolder, Belgium41 active companies are registered at this addressKBO/BCE: BE 0403.559.392
Summary

Demer en Dijle 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 €7.3m and a net result of -€14,851. Equity remains stable across the filed financial years (±0.1% per year). Its solvency ranks better than 14% of 3,016 sector peers (NACE 64, financial year 2025). The company has been active since 1952 and the Belgian Official Gazette contains no insolvency or warning signals.

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Demer en DijleActive
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Overview

Activity
Financial service activities, except insurance and pension funding
NACE 64922
2nd oldest company in Heusden-Zolder, Finance and insurance sector1 site
Size
€1.3mturnover 2025
Equity
€7.3m
Loss
-€14,851
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Parent
PATRONALE LIFE · 100%
Board
7 members
Auditor: BV PwC Bedrijfsrevisoren2025 accounts 60 days early
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence

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.
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 3016 sector peers (2025).
NBB · sector comparison
Position among 3016 sector peers
Solvency
better than 14%
← weakest strongest →
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
60 days early
2024
76 days early
2023
96 days early
2022
102 days early
2021
97 days early
2020
114 days early
2019
101 days 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 92 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Resignation: EY Bedrijfsrevisoren BV (statutory auditor)Appointment: PwC Bedrijfsrevisoren BV (statutory…
  3. Resignations & appointmentsPower of attorney · Director…

Key points

  • Caution: From profit to loss in 2025after €543,597 in 2024 -€14,851 View
  • Caution: Among the weakest 14% on solvencysector median 61.2% · 3,016 companies 14.4% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Controlled by PATRONALE LIFE 100% View
  • Active since 1952founded 22-09-1952 74 years View

By topic

Financials

Financial year
2025
Turnover
€1.3m
Loss
-€14,851
Solvency
14.4%
Turnover▼ 7.5%
Net result
20182025
Go to Financials

Board & ownership

Board
7 members
Parent
PATRONALE LIFE · 100%
Auditor
BV PwC Bedrijfsrevisoren
  • PATRONALE LIFEChair
  • ABC-Group NVChair
  • Johan VANDENBERGHEDirector
  • Bart CornuDirector
  • Daisy DeraymaekerDirector

and 2 other directors

Go to Board & ownership

Timeline

Events
87
Since
1979
Next accounts
by 31-07-2027
  1. 08-10-2025Resignations & appointments
  2. 20-05-2025Appointments: ABC-Group NV, Patronale Life and 4…
  3. 16-05-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Financial service activities, except insurance and pension fundingNACE 64922
Founded
22-09-1952
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
1
Purpose
“De vennootschap is een door de Vlaamse regering rechtstreeks erkende kredietmaatschappij…” (deed in Dutch)
Go to Articles of association

Key facts about Demer en Dijle

What is the company number of Demer en Dijle?
0403.559.392. In Belgium the VAT number is the company number with BE in front: BE 0403.559.392.
Where is Demer en Dijle based?
The registered office is at De Lange Beemden 14, 3550 Heusden-Zolder.Company details
What does Demer en Dijle do?
According to the KBO register, the main activity is financial service activities, except insurance and pension funding (NACE 64922).
What is the legal form of Demer en Dijle?
Public limited company (NV).
When was Demer en Dijle founded?
On 22-09-1952.
Is Demer en Dijle still active?
Yes, Demer en Dijle is an active enterprise in the KBO register.
How many employees does Demer en Dijle have?
On average 0.3 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
What is the turnover of Demer en Dijle?
€1.3m in financial year 2025, according to the filed annual accounts.
Is Demer en Dijle profitable?
In financial year 2025, Demer en Dijle made a loss of €14,851.
Where can I find the annual accounts of Demer en Dijle?
Demer en Dijle filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Demer en Dijle due?
By 31-07-2027, for financial year 2026.Timeline

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How much credit can you give this customer, and on what payment terms?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 Which other companies belong to the same group?PATRONALE LIFE · 64 companies What changed in the latest annual accounts?What changed

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