DERATO
ActiveDERATO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €41k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 94% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 19.25 against 16.81 in 2024; short-term debt: 5% and cash: 88.8% of total assets), and 5.3% 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
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
94.7%
Return on assets
17.7%
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
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 →
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 19-05-2026, 73 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
73 d early
2024
44 d early
2023
29 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€218k▲ 23.1%
2024 · €177k
2023: €136k
2024: €177k
2023 → 2025
Total assets
€230k▲ 18.8%
2024 · €194k
2023: €164k
2024: €194k
2023 → 2025
Net result
€41k▲ 0.3%
2024 · €41k
2023: €36k
2024: €41k
2023 → 2025
Working capital
€210k▲ 28.2%
2024 · €164k
2023: €121k
2024: €164k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€136k-€177k▲ 29.8%€218k▲ 23.1%
Operating result€54k-€62k▲ 13.6%€61k▼ 0.4%
Net result€36k-€41k▲ 14.6%€41k▲ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€8k▼ 57.2%
Current assets
€222k▲ 27.2%
Equity and liabilities €230k
Equity
€218k▲ 23.1%
Provisions
€575▼ 38.7%
Debt
€12k▼ 26.1%
The debt ratio falls from 8.1% to 5.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▼
2024 · €74k
Cash flow
€52k▼
2024 · €53k
Solvency
94.7%▲
2024 · 91.5%
Current ratio
19.25▲
2024 · 16.81
Quick ratio
19.25▲
2024 · 16.81
Debt / equity
0.05▼
2024 · 0.09
ROE
18.7%▼
2024 · 23.0%
ROA
17.7%▼
2024 · 21.0%
Interest coverage
94.04▼
2024 · 145.78
Debt
€12k▼
2024 · €16k
Debt ≤ 1 year
€12k▲
2024 · €10k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€21k=
2024 · €21k
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€194k€230k▲
Fixed assets21/28€19k€8k▼
Tangible fixed assets22/27€19k€8k▼
Plant, machinery and equipment23€404€0▼
Furniture and vehicles24€5k€3k▼
Leasing and similar rights25€13k€5k▼
Current assets29/58€175k€222k▲
Amounts receivable within one year40/41€9k€17k▲
Trade receivables40€84€13k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€164k€204k▲
Deferred charges and accrued income490/1€2k€875▼
Equity and liabilities
Total equity and liabilities10/49€194k€230k▲
Equity10/15€177k€218k▲
Contributions10/11€1k€1k=
Reserves13€168k€217k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€3k€2k▼
Distributable reserves133€165k€215k▲
Profit (loss) carried forward14€8k€0▼
Provisions and deferred taxes16€937€575▼
Deferred taxes168€937€575▼
Amounts payable17/49€16k€12k▼
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€10k€12k▲
Current portion of amounts payable after more than one year42€10k€5k▼
Trade debts44€778€2k▲
Suppliers440/4€778€2k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€0€4k▲
Taxes450/3€0€4k▲
Other amounts payable47/48€84€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€77k€75k▼
Operating profit (loss)9901€62k€61k▼
Financial income75/76B€397€1k▲
Recurring financial income75€397€1k▲
Financial charges65/66B€507€770▲
Recurring financial charges65€507€770▲
Profit (loss) for the period before taxes9903€62k€62k▲
Transfer from deferred taxes780€575€362▼
Income taxes67/77€21k€21k=
Profit (loss) for the period9904€41k€41k▲
Transfer from tax-exempt reserves789€2k€1k▼
Profit (loss) for the period to be appropriated9905€42k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€50k▼
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer to equity691/2€42k€50k▲
To other reserves6921€42k€50k▲
The notes to these accounts (10 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €41k ▲0.3%
Net result €41k, the highest in the series.
31-12
Financial
Equity above €200kEq €218k ▲23.1%
3 profitable years in a row build equity to €218k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €177k ▲29.8%
2 profitable years in a row build equity to €177k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Beerse · 1 establishment unit since 2009
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.
Houtseweg 112340 BeerseGround area
513 m²
Building footprint
116 m²
Volume, LiDAR
636 m³
Parcel 13004A0348/00L000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DERATO
since 20092.182.935.708
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004A0348/00L000 | Flanders | 513 m² | 1 · 116 m² | 9.4 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
MOUSSAD
BE 0700.885.277
Schaarbeek · Eq €219k
ALTA CERAMICA
BE 0434.098.160
Schaarbeek · Eq €219k
HOME DESIGN & CONCEPT
BE 0479.755.070
Antoing · Eq €217k
TB SOLUTIONS
BE 0449.500.968
Mol · Eq €217k
IMO
BE 0896.768.166
Houthalen-Helchteren · Eq €217k
Of 1,137 companies in sector 46130 we hold annual accounts for 646. 504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2009
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.