Denvers
ActiveThe computed 12-month bankruptcy probability of Denvers is 1.6% (moderate). The 2025 annual accounts show equity of €10k and a net result of €986. Equity is shrinking by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 11206 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+29
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.8 against 4.28 in 2024), and 26.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
73.7%
Return on assets
7%
Age of the figures
9 mo
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 · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
57 d late
2023
22 d late
2022
32 d late
2021
30 d late
2020
61 d late
2019
91 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▲ 10.5%
2024 · €9k
2018: €16k
2019: €13k
2020: €24k
2021: €13k
2022: €20k
2023: €9k
2024: €9k
2018 → 2025
Total assets
€14k▲ 14.9%
2024 · €12k
2018: €17k
2019: €13k
2020: €24k
2021: €15k
2022: €43k
2023: €28k
2024: €12k
2018 → 2025
Net result
€986▲ 176%
2024 · €357
2018: €1k
2019: €-3k
2020: €11k
2021: €-11k
2022: €7k
2023: €-11k
2024: €357
2018 → 2025
Working capital
€10k▲ 10.5%
2024 · €9k
2018: €16k
2019: €13k
2020: €24k
2021: €13k
2022: €20k
2023: €9k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€20k▲ 52.7%€9k▼ 54.2%€9k▲ 4.0%€10k▲ 10.5%
Operating result€-11k-€7k€-10k€510€1k▲ 122%
Net result€-11k-€7k€-11k€357€986▲ 176%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 122% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €14k
Equity
€10k▲ 10.5%
Debt
€4k▲ 29.3%
The debt ratio rises from 23.4% to 26.3%: debt grows faster than equity.
Key figures and ratios
Solvency
73.7%▼
2024 · 76.6%
Current ratio
3.80▼
2024 · 4.28
Quick ratio
2.20▲
2024 · 2.10
Debt / equity
0.36▲
2024 · 0.30
ROE
9.5%▲
2024 · 3.8%
ROA
7.0%▲
2024 · 2.9%
Debt
€4k▲
2024 · €3k
Debt ≤ 1 year
€4k▲
2024 · €3k
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€12k€14k▲
Current assets29/58€12k€14k▲
Stocks and contracts in progress3€6k€6k▼
Stocks30/36€6k€6k▼
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40-€80
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€814€547▼
Equity and liabilities
Total equity and liabilities10/49€12k€14k▲
Equity10/15€9k€10k▲
Contributions10/11€12k€12k=
Reserves13€174€174=
Non-distributable reserves130/1€174€174=
Reserves not available under the articles1311€174€174=
Profit (loss) carried forward14€-3k€-2k▲
Amounts payable17/49€3k€4k▲
Amounts payable within one year42/48€3k€4k▲
Trade debts44€920€216▼
Suppliers440/4€920€216▼
Taxes, remuneration and social security45€886€43▼
Taxes450/3€886€43▼
Other amounts payable47/48€1k€3k▲
Income statement
Code20242025
Other operating charges640/8€387€900▲
Gross operating margin9900€897€2k▲
Operating profit (loss)9901€510€1k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€152€147▼
Recurring financial charges65€152€147▼
Profit (loss) for the period before taxes9903€357€986▲
Profit (loss) for the period9904€357€986▲
Profit (loss) for the period to be appropriated9905€357€986▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-2k▲
Profit (loss) brought forward from the previous period14P€-4k€-3k▲
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Back to profitnet €357
Net result €357 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.28
Current ratio from 1.47 to 4.28; short-term debt falls from €19k to €3k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-11k ▼197%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 24.18
Current ratio from 11.96 to 24.18; short-term debt falls from €1k to €540.
06-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 67 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Schaarbeek · 2 establishment units since 2015
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.
Henri Jacobsstraat 261030 SchaarbeekGround area
270 m²
Building footprint
128 m²
Volume, LiDAR
1,237 m³
2 parcels, Brussels, Flanders · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
DENVERS
since 20152.240.808.282
DENVERS
since 20152.240.808.381
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0346/00W003 | Flanders | 173 m² | 1 · 56 m² | 11.8 m · 3 fl. |
| 21902A0251/00P002 | Brussels | 97 m² | 1 · 71 m² | 13.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
SILVER STAR TRADING
BE 0556.854.135
Elsene · Eq €10k
AFA & FILS
BE 1016.021.253
Vilvoorde · Eq €10k
Geostar
BE 0787.268.331
Willebroek · Eq €10k
G & A MOTORS
BE 0478.884.149
Sint-Niklaas · Eq €10k
S-CARS
BE 0718.613.315
Dendermonde · Eq €10k
Of 2,121 companies in sector 46711 we hold annual accounts for 1,122. 469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2015
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.