Summary
DEMEVER 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 €2.1m and a net result of €277,898. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 8091 sector peers (fiscal year 2025). The company has been active since 2016 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.
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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 17-07-2026, 14 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
14 d early
2024
12 d early
2023
9 d early
2022
19 d early
2021
3 d late
2020
3 d early
2019
7 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 7 days before 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#10 company by equity in Zulte, Finance and insurance sector
Equity
€2.1m▼ 16.5%
2024 · €2.5m
Net result
€277,898▼ 23.8%
2024 · €364,629
Total assets
€2.2m▼ 12.5%
2024 · €2.5m
Solvency
95.2%▼ 4.5pp
2024 · 99.7%
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€561,724▲ 21.3%€589,101▲ 4.9%€485,041▼ 17.7%€476,162▼ 1.8%€359,139▼ 24.6%
Net result€389,823above the sector's middle half▲ 21.2%€408,096above the sector's middle half▲ 4.7%€324,458above the sector's middle half▼ 20.5%€364,629above the sector's middle half▲ 12.4%€277,898above the sector's middle half▼ 23.8%
Equity€2.3mabove the sector's middle half▲ 9.6%€2.6mabove the sector's middle half▲ 9.5%€2.2mabove the sector's middle half▼ 16.0%€2.5mabove the sector's middle half▲ 16.9%€2.1mabove the sector's middle half▼ 16.5%
Total assets€2.6mwithin the sector's middle half▲ 10.4%€2.6mwithin the sector's middle half▲ 0.8%€2.2mwithin the sector's middle half▼ 16.0%€2.5mabove the sector's middle half▲ 17.0%€2.2mabove the sector's middle half▼ 12.5%
Debt€210,280▲ 20.7%€6,693▼ 96.8%€4,951▼ 26.0%€7,823▲ 58.0%€106,691▲ 1,264%
Working capital€241,405within the sector's middle half▼ 63.7%€464,501above the sector's middle half▲ 92.4%€54,667within the sector's middle half▼ 88.2%€419,596above the sector's middle half▲ 668%€3,423within the sector's middle half▼ 99.2%
Solvency91.8%above the sector's middle half▼ 0.7pp99.7%above the sector's middle half▲ 8.0pp99.8%above the sector's middle half=99.7%above the sector's middle half▼ 0.1pp95.2%above the sector's middle half▼ 4.5pp
Current ratio2.15within the sector's middle half▼ 2.6770.40above the sector's middle half▲ 68.2612.04above the sector's middle half▼ 58.3656.77above the sector's middle half▲ 44.731.03within the sector's middle half▼ 55.74
Return on assets (ROA)15.3%above the sector's middle half▲ 1.4pp15.8%above the sector's middle half▲ 0.6pp15.0%above the sector's middle half▼ 0.8pp14.4%within the sector's middle half▼ 0.6pp12.6%within the sector's middle half▼ 1.9pp
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 25% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€2.1m =
Current assets
€110,114 ▼ 74.2%
Equity and liabilities €2.2m
Equity
€2.1m ▼ 16.5%
Debt
€106,691 ▲ 1,264%
Debt's share of the balance-sheet total rises from 0.3% to 4.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
13.2%▼
2024 · 14.5%
Debt ≤ 1 year
€106,691▲
2024 · €7,523
Income taxes
€86,059▼
2024 · €114,876
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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €120 | €359 | €169 | €179 | €184 | ▲ 2.8% |
| Gross operating margin9900 | €561,844 | €589,460 | €485,210 | €476,341 | €359,323 | ▼ 24.6% |
| Operating profit (loss)9901 | €561,724 | €589,101 | €485,041 | €476,162 | €359,139 | ▼ 24.6% |
| Financial income75/76B | €3,427 | €3,729 | €5,104 | €3,398 | €4,883 | ▲ 43.7% |
| Recurring financial income75 | €3,427 | €3,729 | €5,104 | €3,398 | €4,883 | ▲ 43.7% |
| Financial charges65/66B | €47 | €893 | €15,717 | €54 | €64 | ▲ 19.1% |
| Recurring financial charges65 | €47 | €893 | €50 | €54 | €64 | ▲ 19.1% |
| Non-recurring financial charges66B | - | - | €15,667 | - | - | - |
| Profit (loss) for the period before taxes9903 | €565,103 | €591,937 | €474,428 | €479,506 | €363,957 | ▼ 24.1% |
| Income taxes67/77 | €175,281 | €183,841 | €149,969 | €114,876 | €86,059 | ▼ 25.1% |
| Profit (loss) for the period9904 | €389,823 | €408,096 | €324,458 | €364,629 | €277,898 | ▼ 23.8% |
| Profit (loss) for the period to be appropriated9905 | €389,823 | €408,096 | €324,458 | €364,629 | €277,898 | ▼ 23.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.6m | €2.6m | €2.2m | €2.5m | €2.2m | ▼ 12.5% |
| Fixed assets21/28 | €2.1m | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Tangible fixed assets22/27 | €628,774 | €628,774 | €628,066 | €628,066 | €628,066 | = |
| Land and buildings22 | €628,774 | €628,774 | €628,066 | €628,066 | €628,066 | = |
| Financial fixed assets28 | €1.5m | €1.5m | €1.5m | €1.5m | €1.5m | = |
| Current assets29/58 | €451,685 | €471,193 | €59,618 | €427,120 | €110,114 | ▼ 74.2% |
| Amounts receivable within one year40/41 | €30,747 | €777 | €26,422 | €59,511 | €73,549 | ▲ 23.6% |
| Other amounts receivable41 | €30,747 | €777 | €26,422 | €59,511 | €73,549 | ▲ 23.6% |
| Current investments50/53 | €302,832 | €302,832 | - | €300,000 | - | - |
| Cash at bank and in hand54/58 | €118,106 | €167,584 | €33,196 | €67,609 | €36,565 | ▼ 45.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.6m | €2.6m | €2.2m | €2.5m | €2.2m | ▼ 12.5% |
| Equity10/15 | €2.3m | €2.6m | €2.2m | €2.5m | €2.1m | ▼ 16.5% |
| Contributions10/11 | €940,000 | €755,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €1.4m | €1.8m | €2.1m | €2.5m | €2.1m | ▼ 16.6% |
| Non-distributable reserves130/1 | €18,043 | €18,043 | - | - | - | - |
| Reserves not available under the articles1311 | €18,043 | €18,043 | - | - | - | - |
| Distributable reserves133 | €1.4m | €1.8m | €2.1m | €2.5m | €2.1m | ▼ 16.6% |
| Amounts payable17/49 | €210,280 | €6,693 | €4,951 | €7,823 | €106,691 | ▲ 1,264% |
| Amounts payable within one year42/48 | €210,280 | €6,693 | €4,951 | €7,523 | €106,691 | ▲ 1,318% |
| Current portion of amounts payable after more than one year42 | €205,000 | - | - | - | - | - |
| Trade debts44 | €631 | €2,952 | €1,100 | - | - | - |
| Suppliers440/4 | €631 | €2,952 | €1,100 | - | - | - |
| Taxes, remuneration and social security45 | €4,649 | €3,740 | €3,851 | €7,523 | €6,691 | ▼ 11.1% |
| Taxes450/3 | €4,649 | €3,740 | €3,851 | €4,123 | €6,691 | ▲ 62.3% |
| Remuneration and social security454/9 | - | - | - | €3,400 | - | - |
| Other amounts payable47/48 | - | - | - | - | €100,000 | - |
| Accrued charges and deferred income492/3 | - | - | - | €300 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €389,823 | €408,096 | €324,458 | €364,629 | €277,898 | ▼ 23.8% |
| Operating cash flow (approximation) | €389,823 | €408,096 | €324,458 | €364,629 | €277,898 | ▼ 23.8% |
| Investment in fixed assets (approximation) | - | €0 | €708 | €0 | €0 | - |
| Change in cash | - | €49,478 | -€134,389 | €34,413 | -€31,044 | ▼ 190% |
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €277,898 ▼23.8%
Net result drops to €277,898, the lowest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 56.77
Current ratio from 12.04 to 56.77.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €408,096 ▲4.7%
Operating result €589,101, net result €408,096, both a record.
31-12
Financial
Liquidity times 33current ratio 70.40
Current ratio from 2.15 to 70.40; short-term debt falls from €210,280 to €6,693.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
31-12
Financial
Equity above €2mEq €2.0m ▲8%
2 profitable years in a row build equity to €2.0m.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Zulte · 1 establishment unit since 2017
Ground area
866 m²
Building footprint
175 m²
Volume, LiDAR
817 m³
Parcel 44050B0553/00H002, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DEMEVER
since 20172.259.750.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44050B0553/00H002 | Flanders | 866 m² | 1 · 175 m² | 7.0 m · 2 fl. |
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.
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
-
100%
According to the 2025 annual accounts of DEMEVER 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 10,785 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
Founded21-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0668437787
Registered
06-06-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.