DERDEC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €848k and a net result of €-54k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 7980 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 d early
2024
50 d early
2023
21 d early
2022
34 d early
2021
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€848k▼ 5.9%
2024 · €901k
2021: €648k
2022: €734k
2023: €817k
2024: €901k
2021 → 2025
Net result
€-54k
2024 · €85k
2021: €116k
2022: €86k
2023: €83k
2024: €85k
2021 → 2025
Total assets
€2.01M▲ 51.7%
2024 · €1.33M
2021: €1.23M
2022: €1.25M
2023: €1.29M
2024: €1.33M
2021 → 2025
Solvency
42.1%▼ 25.8pp
2024 · 67.9%
2021: 52.7%
2022: 58.9%
2023: 63.5%
2024: 67.9%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€648k-€734k▲ 13.3%€817k▲ 11.3%€901k▲ 10.4%€848k▼ 5.9%
Operating result€162k-€120k▼ 25.7%€117k▼ 3.1%€123k▲ 5.1%€-48k
Net result€116k-€86k▼ 25.8%€83k▼ 3.5%€85k▲ 1.9%€-54k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €48k after €123k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.01M
Fixed assets
€1.34M▲ 256%
Current assets
€671k▼ 29.5%
Equity and liabilities €2.01M
Equity
€848k▼ 5.9%
Provisions
€194k
Debt
€973k▲ 128%
The debt ratio rises from 32.1% to 48.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
42.1%▼
2024 · 67.9%
ROE
-6.3%▼
2024 · 9.4%
ROA
-2.7%▼
2024 · 6.4%
Debt
€973k▲
2024 · €427k
Debt ≤ 1 year
€195k▲
2024 · €130k
Debt > 1 year
€773k▲
2024 · €294k
Income taxes
€131▼
2024 · €40k
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€1.33M€2.01M▲
Fixed assets21/28€377k€1.34M▲
Tangible fixed assets22/27€377k€1.34M▲
Land and buildings22€374k€1.34M▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€3k€3k▼
Current assets29/58€951k€671k▼
Amounts receivable after more than one year29€438k€409k▼
Trade receivables290€438k€409k▼
Amounts receivable within one year40/41€203k€49k▼
Trade receivables40€29k€31k▲
Other amounts receivable41€174k€18k▼
Cash at bank and in hand54/58€307k€208k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.33M€2.01M▲
Equity10/15€901k€848k▼
Contributions10/11€150k€150k=
Reserves13€534k€534k=
Distributable reserves133€534k€534k=
Profit (loss) carried forward14€218k€164k▼
Provisions and deferred taxes16-€194k
Provisions for liabilities and charges160/5-€194k
Other liabilities and charges164/5-€194k
Amounts payable17/49€427k€973k▲
Amounts payable after more than one year17€294k€773k▲
Financial debts170/4€294k€773k▲
Amounts payable within one year42/48€130k€195k▲
Current portion of amounts payable after more than one year42€58k€109k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€65k€79k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€21k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€138k€-23k▼
Operating profit (loss)9901€123k€-48k▼
Financial income75/76B€15k€14k▼
Recurring financial income75€15k€14k▼
Financial charges65/66B€13k€20k▲
Recurring financial charges65€13k€20k▲
Profit (loss) for the period before taxes9903€125k€-53k▼
Income taxes67/77€40k€131▼
Profit (loss) for the period9904€85k€-54k▼
Profit (loss) for the period to be appropriated9905€85k€-54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€303k€164k▼
Profit (loss) brought forward from the previous period14P€218k€218k=
Transfer to equity691/2€85k-
To other reserves6921€85k-
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
2026
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-54k ▼163%
Net result drops to €-54k, the lowest in the series.
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Herent
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.
Tweebruggenstraat 653020 HerentGround area
675 m²
Building footprint
177 m²
Volume, LiDAR
917 m³
Parcel 24423G0001/00R000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423G0001/00R000 | Flanders | 675 m² | 1 · 177 m² | 7.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300TH3HD9NW5TIP90
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2014
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.