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DERUDDERE PAUL

Active
Private limited company (pre-2019)founded 199035 yrs activeWellingstraat 113, 8730 Beernem, BelgiumKBO/BCE: BE 0442.168.560
Summary

DERUDDERE PAUL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €453,241 and a net result of €63,902. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 1239 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
DERUDDERE PAULActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Funeral services
NACE 96301NACE 93031NACE 96031
2 sites
Size
€1.1mtotal assets 2025
Staff
2.1 FTE
Equity
€453,241
Profit
€63,902
Turnover not published (abridged schema)
Financial health
91 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Parent
DERUDDERE KAREN · 100%
Accounts filed 12 d late0 of 5 deeds read
Why 91- Liquidity: current ratio 1.77, cash €5,446+ Founded in 1990+ Size: 2.1 FTE, total assets €1.1m+ Figures for FY 2025 (filed 12-08-2026)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Better than 55% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 68+10
equity 42.7% of total assets
Liquidity 42+6
short-term debt 23.1% · cash 0.5%
Profitability 76+11
return on assets 6.0%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,545 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.2%▼ -16.5% vs 12-2024 02-2025: 0.2%▲ +1.8% vs 01-2025 03-2025: 0.2%▼ -1.3% vs 02-2025 04-2025: 0.2%▲ +1.3% vs 03-2025 05-2025: 0.2%▲ +2.6% vs 04-2025 06-2025: 0.3%▲ +15.9% vs 05-2025 07-2025: 0.4%▲ +37.8% vs 06-2025 08-2025: 0.6%▲ +61.8% vs 07-2025 09-2025: 0.4%▼ -38.2% vs 08-2025 10-2025: 0.4%● 0.0% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.4%● 0.0% vs 11-2025 01-2026: 0.4%● 0.0% vs 12-2025 02-2026: 0.4%▲ +1.3% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%▲ +2.1% vs 03-2026 05-2026: 0.4%▲ +0.3% vs 04-2026 06-2026: 0.4%▲ +3.6% vs 05-2026 07-2026: 0.4%▲ +1.3% vs 06-2026 08-2026: 1.0%▲ +141% vs 07-2026highest value 09-2026: 0.2%▼ -84.1% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value
  • Founded in 1990 lowers the probability for this profile
  • Liquidity: current ratio 1.77, cash €5,446 raises the probability
  • Size: 2.1 FTE, total assets €1.1m lowers the probability for this profile
  • Figures for FY 2025 (filed 12-08-2026) lowers the probability
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.33 in 2024; short-term debt: 23.1% and cash: 0.5% of total assets), but 57.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 63%, liquidity 34%, profitability 60%, growth against the median 64%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Liquidity: current ratio 1.77, cash €5,446
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: 2.1 FTE, total assets €1.1m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 12-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 10 filings
Deviation from the deadline
2025
12 d late
2024
4 d late
2023
5 d early
2022
23 d late
2021
61 d late
2020
11 d late
2019
13 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 17 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

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. Usually files around 12 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Back to profitnet €63,902
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Back in profit in 2025after -€7,869 in 2024 €63,902 View
  • Positive: Among the best 19% on net resultsector median €5,558 · 1,235 companies €63,902 View
  • Controlled by DERUDDERE KAREN 100% View

By topic

Financials

Fiscal year
2025
Total assets
€1.1m
Profit
€63,902
Solvency
42.7%
Total assets▼ 9.6%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 12-08-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 04-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company (pre-2019)
Activity
Funeral servicesNACE 96301
Founded
04-12-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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