DERAM MANAGEMENT
ActiveSummary
DERAM MANAGEMENT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €564k and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 70% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-40
Solvency82=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 11.82 against 11.29 in 2024; short-term debt: 3% and cash: 34.8% of total assets), and 42.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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 filingsDeviation from the deadline
2025
63 d early
2024
55 d early
2023
54 d early
2022
67 d early
2021
68 d early
2020
88 d early
2019
120 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-5k
2024 · €93k
2018: €-18k
2019: €-9k
2020: €13k
2021: €10k
2022: €-4k
2023: €-11k
2024: €93k
2018 → 2025
Working capital
€318k▲ 3.6%
2024 · €307k
2018: €54k
2019: €79k
2020: €122k
2021: €169k
2022: €205k
2023: €234k
2024: €307k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€701k-€697k▼ 0.6%€687k▼ 1.6%€569k▼ 17.1%€564k▼ 0.9%
Operating result€35k-€26k▼ 25.9%€14k▼ 47.7%€142k▲ 941%€12k▼ 91.3%
Net result€10k-€-4k€-11k▼ 180%€93k€-5k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 91% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €988k
Fixed assets
€641k ▼ 3.7%
Current assets
€347k ▲ 3.1%
Equity and liabilities €988k
Equity
€564k ▼ 0.9%
Debt
€424k ▼ 2.0%
Debt's share of the balance-sheet total falls from 43.2% to 42.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€43k▼
2024 · €172k
Cash flow
€25k▼
2024 · €123k
Current ratio
11.82▲
2024 · 11.29
Debt to equity
0.75▼
2024 · 0.76
ROE
-0.9%▼
2024 · 16.3%
ROA
-0.5%▼
2024 · 9.3%
Interest coverage
2.64▼
2024 · 7.43
Debt ≤ 1 year
€29k▼
2024 · €30k
Debt > 1 year
€391k▼
2024 · €399k
Income taxes
€1k▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.00M€988k▼
Fixed assets21/28€665k€641k▼
Tangible fixed assets22/27€665k€641k▼
Land and buildings22€665k€641k▼
Current assets29/58€337k€347k▲
Amounts receivable within one year40/41€4k€4k▲
Trade receivables40-€674
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€333k€343k▲
Equity and liabilities
Total equity and liabilities10/49€1.00M€988k▼
Equity10/15€569k€564k▼
Contributions10/11€457k€457k=
Reserves13€112k€112k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€110k€110k=
Profit (loss) carried forward14€0€-5k▼
Amounts payable17/49€432k€424k▼
Amounts payable after more than one year17€399k€391k▼
Other amounts payable178/9€399k€391k▼
Amounts payable within one year42/48€30k€29k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€27k€27k▲
Taxes450/3€27k€27k▲
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€116k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€30k▲
Other operating charges640/8€14k€14k▼
Gross operating margin9900€187k€57k▼
Operating profit (loss)9901€142k€12k▼
Financial charges65/66B€23k€16k▼
Recurring financial charges65€23k€16k▼
Profit (loss) for the period before taxes9903€119k€-4k▼
Income taxes67/77€26k€1k▼
Profit (loss) for the period9904€93k€-5k▼
Profit (loss) for the period to be appropriated9905€93k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€-5k▼
Profit (loss) brought forward from the previous period14P€-15k€0▲
Transfer from equity791/2€9k€0▼
Transfer to equity691/2€78k€0▼
To other reserves6921€78k€0▼
Profit to be distributed694/7€9k€0▼
Return on contributions (dividend)694€9k€0▼
The notes to these accounts (6 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €93k
Net result €93k after 2 loss-making years.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 49.69
Current ratio from 23.99 to 49.69; short-term debt falls from €3k to €3k.
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity triplescurrent ratio 23.99
Current ratio from 7.00 to 23.99; short-term debt falls from €9k to €3k.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-05
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
3 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, Comines-Warneton · 1 establishment unit since 2011
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.
S.I.D.E.H.O. laan(KOM) 47780 Comines-WarnetonGround area
3,818 m²
Building footprint
2,097 m²
Parcel 54002C0357/00Z000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Deram Management
since 20112.203.986.488
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54002C0357/00Z000 | Wallonia | 3,818 m² | 1 · 2,097 m² | - |
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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ONYX INVEST
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JOS
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TILKIN INVEST
BE 0643.580.746
Bilzen-Hoeselt · Eq €565,084
Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,615 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2011
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.