DEMONCEAU
ActiveDEMONCEAU has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.46M and a net result of €44k. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 4119 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-17
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 7.84 against 7.96 in 2024), and 24.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.9%
Return on assets
2.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
on the day
2023
on the day
2022
28 d late
2021
58 d late
2020
89 d late
2019
21 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€44k▼ 53.1%
2024 · €94k
2018: €1.81M
2019: €65k
2020: €38k
2021: €98k
2022: €77k
2023: €75k
2024: €94k
2018 → 2025
Working capital
€841k▼ 7.3%
2024 · €907k
2018: €1.26M
2019: €1.28M
2020: €1.40M
2021: €1.38M
2022: €1.60M
2023: €899k
2024: €907k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.22M-€2.26M▲ 1.7%€1.48M▼ 34.4%€1.50M▲ 0.9%€1.46M▼ 2.4%
Operating result€159k-€136k▼ 14.1%€122k▼ 10.6%€91k▼ 25.3%€94k▲ 3.4%
Net result€98k-€77k▼ 20.7%€75k▼ 3.2%€94k▲ 26.1%€44k▼ 53.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.92M
Fixed assets
€960k▼ 2.5%
Current assets
€963k▼ 7.1%
Equity and liabilities €1.92M
Equity
€1.46M▼ 2.4%
Debt
€464k▼ 11.7%
The debt ratio falls from 26.0% to 24.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€131k▲
2024 · €129k
Cash flow
€81k▼
2024 · €132k
Solvency
75.9%▲
2024 · 74.0%
Current ratio
7.84▼
2024 · 7.96
Quick ratio
2.45▼
2024 · 3.40
Debt / equity
0.32▼
2024 · 0.35
ROE
3.0%▼
2024 · 6.3%
ROA
2.3%▼
2024 · 4.7%
Interest coverage
4.03▲
2024 · 3.54
Debt
€464k▼
2024 · €526k
Debt ≤ 1 year
€123k▼
2024 · €130k
Debt > 1 year
€305k▼
2024 · €356k
Income taxes
€19k▼
2024 · €41k
Staff costs
€50k▲
2024 · €46k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.02M€1.92M▼
Fixed assets21/28€985k€960k▼
Tangible fixed assets22/27€984k€959k▼
Land and buildings22€330k€330k=
Plant, machinery and equipment23€22k€24k▲
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€629k€602k▼
Assets under construction and advance payments27-€1k
Financial fixed assets28€930€930=
Current assets29/58€1.04M€963k▼
Stocks and contracts in progress3€594k€663k▲
Stocks30/36€594k€663k▲
Amounts receivable within one year40/41€33k€8k▼
Trade receivables40€15k€2k▼
Other amounts receivable41€17k€6k▼
Current investments50/53€113k€113k=
Cash at bank and in hand54/58€287k€170k▼
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€2.02M€1.92M▼
Equity10/15€1.50M€1.46M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.42M€1.39M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€1.40M€1.37M▼
Profit (loss) carried forward14€18k€12k▼
Amounts payable17/49€526k€464k▼
Amounts payable after more than one year17€356k€305k▼
Other amounts payable178/9€356k€305k▼
Amounts payable within one year42/48€130k€123k▼
Trade debts44€4k€23k▲
Suppliers440/4€4k€23k▲
Advances received on contracts in progress46€15k€9k▼
Taxes, remuneration and social security45€23k€9k▼
Taxes450/3€20k€4k▼
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€88k€82k▼
Accrued charges and deferred income492/3€40k€36k▼
Income statement
Code20242025
Remuneration, social security and pensions62€46k€50k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€37k▼
Other operating charges640/8€20k€20k▲
Gross operating margin9900€195k€201k▲
Operating profit (loss)9901€91k€94k▲
Financial income75/76B€81k€2k▼
Recurring financial income75€81k€2k▼
Financial charges65/66B€36k€33k▼
Recurring financial charges65€36k€33k▼
Profit (loss) for the period before taxes9903€135k€64k▼
Income taxes67/77€41k€19k▼
Profit (loss) for the period9904€94k€44k▼
Profit (loss) for the period to be appropriated9905€94k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€118k€62k▼
Profit (loss) brought forward from the previous period14P€23k€18k▼
Transfer from equity791/2€75k€75k=
Transfer to equity691/2€94k€44k▼
To other reserves6921€94k€44k▼
Profit to be distributed694/7€81k€81k=
Return on contributions (dividend)694€81k€81k=
Social balance
Average headcount (FTE)90870.90.9=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 7.96
Current ratio from 2.01 to 7.96; short-term debt falls from €894k to €130k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 58 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-12
Financial
Weakest financial yearnet €38k ▼41.5%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 13.09
Current ratio from 6.10 to 13.09; short-term debt falls from €251k to €116k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Ans · 1 establishment unit since 1990
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.
Rue du Vicinal 74430 AnsGround area
7,856 m²
Building footprint
1,453 m²
Volume, LiDAR
9,405 m³
Parcel 62003A0078/00N000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Vicinal 7, 4430 Ans
since 19902.006.869.424
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62003A0078/00N000 | Wallonia | 7,856 m² | 1 · 1,453 m² | 7.3 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.
Similar companies · same sector, comparable size
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BRICOMARKT
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VEEPEE NORTHERN EUROPE
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H.S.M.
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Berlaar · Eq €1.49M
Of 12,965 companies in sector 47120 we hold annual accounts for 2,177. 730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-02-1972
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47191Retail trade
47789Other retail sale of new goods
47890Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 46 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.