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DERAM INVEST

Active
Private limited companyfounded 2011active for 15 yearsS.I.D.E.H.O. laan(KOM) 4, 7780 Comines-Warneton, BelgiumKBO/BCE: BE 0840.565.673
Summary

DERAM INVEST has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.4m and a net result of -€32,710. Equity has been stable since 2018 (±0.8% per year). Its solvency ranks better than 93% of 17,119 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 25-10-2011 Normal situation
Activity
Buying and selling of own real estate NACE 68110
Establishment unit
2.203.986.983 7780 Comines-Warneton, since 10-11-2011
Financial year end
31 December
Peppol
Reachable since 05-10-2025

Board and ownership

Board
  • Delmotte ChrisDirector · since 15-02-2022
  • Ramon NadineDirector · since 15-02-2022

Financial position

95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€50,650
▼ 15.8%
Turnover
≈ €130,000
estimated
Loss
€32,710
Equity
€3.4m
▼ 1.0%
Total assets
€3.7m
▼ 1.2%
Filed on 29-05-2026, 63 days before the deadline
Score breakdownraises riskLiquidity: current ratio 9.66, cash €135,414lowers riskSize: total assets €3.7mFigures for financial year 2025 (filed on 05-06-2026)Equity €3.4m (91.3% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 63% of small companies in real estate (NACE 68)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 91.3% of total assets
Liquidity 55+1
short-term debt 0.4% · cash 3.6%
Profitability 43-12
return on assets -0.9%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,993 companies, NACE 68, small)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: 0.1%▲ +0.1 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025highest value 07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: 0.1%▲ +0.1 percentage points vs 05-2026 07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €320,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.66 (9.84 in 2024), above the usual 1.5. Short-term debt is 0.4% and cash 3.6% of total assets. 8.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 92% of them on solvency, 78% on liquidity, 42% on profitability and 38% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €3.7m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 05-06-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 9.66, cash €135,414
NBB · annual accounts
lowers risk · Equity €3.4m (91.3% of total assets)
NBB · annual accounts
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
63 days early
2024
55 days early
2023
54 days early
2022
67 days early
2021
68 days early
2020
88 days early
2019
120 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 74 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 29 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €134,976 in 2024 -€32,710 View
  • Caution: Lower net result than 88% of companies in real estatesector median €6,036 · 17,109 companies -€32,710 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Recent changes

  1. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as DERAM INVEST: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €3.2m and €4.3m, founded between 2009 and 2013.

CompanyTotal assetsGross margin
DERAM INVEST Comines-Warneton€3.7m€0.05m
LAUZI Koksijde€3.4m€0.05m
NIC CONSTRUCT Knokke-Heist€3.8m€0.07m
ROMOS IMMO Saint-Ghislain€4.3m€0.02m
FONCIERE PH Wanze€3.5m€0.08m
MIG INVEST & SERVICES Ukkel€3.2m€0.04m
IMMOLIN Antwerpen€3.7m€0.07m
Full comparison

Key facts about DERAM INVEST

What is the company number of DERAM INVEST?
The company number of DERAM INVEST is 0840.565.673. The VAT number is the same number with BE in front: BE 0840.565.673.
Where is DERAM INVEST based?
The registered office is at S.I.D.E.H.O. laan(KOM) 4, 7780 Comines-Warneton.Company details
What does DERAM INVEST do?
According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
What is the legal form of DERAM INVEST?
The legal form of DERAM INVEST is Private limited company (BV).
When was DERAM INVEST founded?
DERAM INVEST was founded on 25-10-2011.
Is DERAM INVEST still active?
Yes, DERAM INVEST is an active enterprise in the KBO register.
What is the turnover of DERAM INVEST?
The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €50,650 and 47 comparable companies (NACE 681). It probably lies between €68,000 and €280,000.Financials
Is DERAM INVEST profitable?
In financial year 2025, DERAM INVEST made a loss of €32,710.
Where can I find the annual accounts of DERAM INVEST?
DERAM INVEST filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of DERAM INVEST due?
DERAM INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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