DERMAUT GREGORY

Active

Private limited companyfounded 20215 yrs activeIbisstraat 13, 8400 Oostende, BelgiumKBO/BCE: BE 0769.802.985

The computed 12-month bankruptcy probability of DERMAUT GREGORY is 2.2% (moderate). The 2025 annual accounts show equity of €73k and a net result of €18k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 47% of 27386 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

94 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency84▼-2

Growth52=

Stability94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 1.73 against 1.78 in 2024), but 55.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

44.8%

Return on assets

11%

Age of the figures

14 mo

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-04-2026, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 4 filings

Deviation from the deadline

2025

60 d late

2024

2 d late

2023

8 d late

2022

1 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close14-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€73k▲ 32.7%

2024 · €55k

2022: €31k 2023: €39k 2024: €55k

2022 → 2025

Total assets

€163k▲ 37.2%

2024 · €119k

2022: €65k 2023: €128k 2024: €119k

2022 → 2025

Net result

€18k▲ 14.2%

2024 · €16k

2022: €21k 2023: €8k 2024: €16k

2022 → 2025

Working capital

€66k▲ 32.4%

2024 · €50k

2022: €29k 2023: €37k 2024: €50k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€31k-€39k▲ 27.2%€55k▲ 40.2%€73k▲ 32.7%

Operating result€27k-€15k▼ 46.1%€25k▲ 73.6%€28k▲ 11.8%

Net result€21k-€8k▼ 59.7%€16k▲ 87.9%€18k▲ 14.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 12% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €163k

95.6%

Fixed assets €7k▲ 35.7%

Current assets €156k▲ 37.2%

Equity and liabilities €163k

44.8%

55.2%

Equity €73k▲ 32.7%

Debt €90k▲ 41.0%

The debt ratio rises from 53.7% to 55.2%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€31k▲

2024 · €26k

Cash flow

€21k▲

2024 · €17k

Solvency

44.8%▼

2024 · 46.3%

Current ratio

1.73▼

2024 · 1.78

Quick ratio

1.68▲

2024 · 1.68

Debt / equity

1.23▲

2024 · 1.16

ROE

24.7%▼

2024 · 28.7%

ROA

11.0%▼

2024 · 13.3%

Interest coverage

6.29▲

2024 · 5.39

Debt

€90k▲

2024 · €64k

Debt ≤ 1 year

€90k▲

2024 · €64k

Income taxes

€6k▲

2024 · €5k

Staff costs

€1k▼

2024 · €4k

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€119k€163k▲

Fixed assets21/28€5k€7k▲

Tangible fixed assets22/27€5k€7k▲

Plant, machinery and equipment23€4k€7k▲

Furniture and vehicles24€1k€613▼

Current assets29/58€114k€156k▲

Stocks and contracts in progress3€6k€5k▼

Stocks30/36€6k€5k▼

Amounts receivable within one year40/41€64k€113k▲

Trade receivables40€53k€104k▲

Other amounts receivable41€11k€9k▼

Cash at bank and in hand54/58€42k€37k▼

Deferred charges and accrued income490/1€1k€1k▼

Equity and liabilities

Total equity and liabilities10/49€119k€163k▲

Equity10/15€55k€73k▲

Contributions10/11€10k€10k=

Reserves13€45k€63k▲

Distributable reserves133€45k€63k▲

Amounts payable17/49€64k€90k▲

Amounts payable within one year42/48€64k€90k▲

Trade debts44€43k€66k▲

Suppliers440/4€23k€66k▲

Bills of exchange payable441€20k€0▼

Taxes, remuneration and social security45€5k€4k▼

Taxes450/3€3k€3k▲

Remuneration and social security454/9€2k€530▼

Other amounts payable47/48€16k€20k▲

Income statement Code20242025

Remuneration, social security and pensions62€4k€1k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€937€3k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k

Other operating charges640/8€1k€1k▼

Gross operating margin9900€31k€36k▲

Operating profit (loss)9901€25k€28k▲

Financial income75/76B€109€146▲

Recurring financial income75€109€146▲

Financial charges65/66B€5k€5k▲

Recurring financial charges65€5k€5k▲

Profit (loss) for the period before taxes9903€21k€24k▲

Income taxes67/77€5k€6k▲

Profit (loss) for the period9904€16k€18k▲

Profit (loss) for the period to be appropriated9905€16k€18k▲

Appropriation of the result

Profit (loss) to be appropriated9906€16k€18k▲

Transfer to equity691/2€16k€18k▲

To other reserves6921€16k€18k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-01-2027

2026

01-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 60 days late

2025

02-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 2 days late

2024

08-02

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 8 days late

2023

30-06

Financial Weakest financial yearnet €8k ▼59.7%

Net result drops to €8k, the lowest in the series; recovery starts the following year.

30-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Oostende · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Ibisstraat 138400 Oostende

Ground area

507 m²

Building footprint

112 m²

Volume, LiDAR

412 m³

Parcel 35020B0528/00G002, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

DERMAUT GREGORY

Ibisstraat 13, 8400 OostendeConstruction of residential and non-residential buildings

since 20212.318.716.605

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
35020B0528/00G002	Flanders	507 m²	1 · 112 m²	7.2 m · 1 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

PROMOSOL

BE 0779.667.687

Antwerpen · Eq €73k

Fire Protection Projects

Of 4,243 companies in sector 43230 we hold annual accounts for 1,230. 1,032 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-06-2021

Fiscal year end30-06

Activities, NACEBEL

43230Insulation installation

43291Specialised construction activities

43320Joinery installation

43350Other building finishing work

43910Bricklaying and masonry work

43994Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 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.