DERAM BELGIUM
ActiveDERAM BELGIUM has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €591k and a net result of €483k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+62
Solvency68▲+33
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 6.11 against 0.65 in 2024; short-term debt: 4.9% and cash: 2.3% of total assets), but 57% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
43%
Return on assets
35.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 21-10-2025, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
3 d early
2023
1 d early
2022
126 d early
2021
6 d early
2020
45 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€591k▲ 447%
2024 · €108k
2019: €91k
2020: €99k
2021: €94k
2022: €95k
2023: €96k
2024: €108k
2019 → 2025
Total assets
€1.37M▲ 29.5%
2024 · €1.06M
2019: €1.72M
2020: €1.42M
2021: €1.19M
2022: €1.11M
2023: €964k
2024: €1.06M
2019 → 2025
Net result
€483k▲ 3,981%
2024 · €12k
2019: €4k
2020: €8k
2021: €-5k
2022: €799
2023: €1k
2024: €12k
2019 → 2025
Working capital
€347k
2024 · €-85k
2019: €-72k
2020: €5k
2021: €-16k
2022: €-26k
2023: €-106k
2024: €-85k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€95k▲ 0.8%€96k▲ 1.2%€108k▲ 12.3%€591k▲ 447%
Operating result€11k-€20k▲ 82.2%€26k▲ 29.3%€52k▲ 98.9%€640k▲ 1,131%
Net result€-5k-€799€1k▲ 39.0%€12k▲ 966%€483k▲ 3,981%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 1,131% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.37M
Fixed assets
€960k▲ 6.5%
Current assets
€415k▲ 159%
Equity and liabilities €1.37M
Equity
€591k▲ 447%
Provisions
€127k
Debt
€656k▼ 31.2%
The debt ratio falls from 89.8% to 47.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€672k▲
2024 · €83k
Cash flow
€515k▲
2024 · €42k
Solvency
43.0%▲
2024 · 10.2%
Current ratio
6.11▲
2024 · 0.65
Quick ratio
6.11▲
2024 · 0.65
Debt / equity
1.11▼
2024 · 8.82
ROE
81.7%▲
2024 · 11.0%
ROA
35.1%▲
2024 · 1.1%
Interest coverage
20.22▲
2024 · 2.09
Debt
€656k▼
2024 · €953k
Debt ≤ 1 year
€68k▼
2024 · €245k
Debt > 1 year
€588k▼
2024 · €708k
Income taxes
€546▼
2024 · €602
Staff costs
€2k▲
2024 · €2k
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€1.06M€1.37M▲
Fixed assets21/28€901k€960k▲
Tangible fixed assets22/27€828k€886k▲
Land and buildings22€822k€734k▼
Plant, machinery and equipment23€5k€7k▲
Furniture and vehicles24€1k€26k▲
Assets under construction and advance payments27-€120k
Financial fixed assets28€73k€73k=
Current assets29/58€160k€415k▲
Amounts receivable within one year40/41€99k€382k▲
Trade receivables40€68k€58k▼
Other amounts receivable41€30k€324k▲
Cash at bank and in hand54/58€61k€32k▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.37M▲
Equity10/15€108k€591k▲
Contributions10/11€19k€19k=
Reserves13€89k€598k▲
Tax-exempt reserves132-€509k
Distributable reserves133€89k€89k=
Profit (loss) carried forward14-€-26k
Provisions and deferred taxes16-€127k
Deferred taxes168-€127k
Amounts payable17/49€953k€656k▼
Amounts payable after more than one year17€708k€588k▼
Financial debts170/4€707k€587k▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€245k€68k▼
Current portion of amounts payable after more than one year42€70k€42k▼
Financial debts43€102k-
Credit institutions430/8€102k-
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Advances received on contracts in progress46€37k-
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€11k€7k▼
Other amounts payable47/48€14k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€32k▲
Other operating charges640/8€16k€10k▼
Gross operating margin9900€100k€685k▲
Operating profit (loss)9901€52k€640k▲
Financial income75/76B€14€4k▲
Recurring financial income75€14€4k▲
Financial charges65/66B€40k€33k▼
Recurring financial charges65€40k€33k▼
Profit (loss) for the period before taxes9903€12k€611k▲
Transfer to deferred taxes680-€127k
Income taxes67/77€602€546▼
Profit (loss) for the period9904€12k€483k▲
Transfer to tax-exempt reserves689-€509k
Profit (loss) for the period to be appropriated9905€12k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-26k▼
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (12 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
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €483k ▲3981%
Operating result €640k, net result €483k, both a record.
31-03
Financial
Liquidity times 9current ratio 6.11
Current ratio from 0.65 to 6.11; short-term debt falls from €245k to €68k.
31-03
Financial
Equity above €500kEq €591k ▲447%
4 profitable years in a row build equity to €591k.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Equity above €100kEq €108k ▲12.3%
3 profitable years in a row build equity to €108k.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Back to profitnet €799
Net result €799 after one loss-making year.
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-5k ▼155%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
11-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Temse · 1 establishment unit since 2010
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.
Schoolstraat 1099140 TemseGround area
394 m²
Building footprint
121 m²
Volume, LiDAR
618 m³
Parcel 46025B0993/00T006, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DERAM BELGIUM
since 20102.187.503.418
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0993/00T006 | Flanders | 394 m² | 1 · 121 m² | 9.7 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
Bontinck
BE 0807.579.537
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INTERIEUR BOSCH
BE 0755.503.997
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MEVAC
BE 0436.990.245
Herselt · Eq €590k
WOONIDEE PAUL & ZOON
BE 0877.017.679
Sint-Niklaas · Eq €590k
BRAVA
BE 0825.737.442
Heusden-Zolder · Eq €590k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 5,604 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2010
Fiscal year end31-03
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.