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DERVAUX

Active
Private limited companyfounded 199234 yrs activeChemin des Marronniers(WP) 10, 5100 Namur, BelgiumKBO/BCE: BE 0447.262.941
Summary

DERVAUX has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60,235 and a net result of -€6,058. Equity is shrinking by ~14.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability22▼-78
Solvency85▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 2.48 against 2.66 in 2024; short-term debt: 40.3% and cash: 7.6% of total assets), and 40.3% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 34 years 0 40 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
59.7%
Return on assets
-6%
Age of the figures
15 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-10-2025, 95 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
95 d early
2024
99 d early
2023
85 d early
2022
56 d early
2021
68 d early
2020
94 d early
2019
272 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 32 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · 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 close27-09-2026 today31-01-2027 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

History

DERVAUX was incorporated on 24 April 1992.1 Total assets fell from EUR 447,622 in 2019 to EUR 100,840 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
€54,550
EBIT margin
74.7%
Net result
-€6,058
2024 · €61,242
Working capital
€60,235▼ 9.1%
2024 · €66,293
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover
Operating result€214-€2,066-€8,392▼ 306%€70,540-€6,011
Net result-€6,480▲ 49.1%-€11,916▼ 83.9%-€17,709▼ 48.6%€61,242-€6,058
EBIT margin
Equity€34,676▼ 15.7%€22,760▼ 34.4%€5,051▼ 77.8%€66,293▲ 1,212%€60,235▼ 9.1%
Total assets€394,063▼ 4.5%€372,423▼ 5.5%€361,796▼ 2.9%€106,253▼ 70.6%€100,840▼ 5.1%
Debt€359,387▼ 3.2%€349,663▼ 2.7%€356,745▲ 2.0%€39,960▼ 88.8%€40,605▲ 1.6%
Working capital€22,779▲ 6.0%€8,560▼ 62.4%-€12,188€66,293€60,235▼ 9.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€25,000€0€25,000€50,000€75,000Operating result 2021: €214€214Net result 2021: -€6,480-€6,480Operating result 2022: -€2,066-€2,066Net result 2022: -€11,916-€11,916Operating result 2023: -€8,392-€8,392Net result 2023: -€17,709-€17,709Operating result 2024: €70,540€70,540Net result 2024: €61,242€61,242Operating result 2025: -€6,011-€6,011Net result 2025: -€6,058-€6,05820212022202320242025-€25,000€0€25,000€50,000€75,000Operating result 2023: -€8,392-€8,390Net result 2023: -€17,709-€17,700Operating result 2024: €70,540€70,500Net result 2024: €61,242€61,200Operating result 2025: -€6,011-€6,010Net result 2025: -€6,058-€6,060202320242025
The operating result turns negative in 2025: a loss of €6,011 after €70,540 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €100,840
Equity €60,235 ▼ 9.1%
Debt €40,605 ▲ 1.6%
Debt's share of the balance-sheet total rises from 37.6% to 40.3%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Current ratio
2.48▼
2024 · 2.66
Debt to equity
0.67▲
2024 · 0.60
ROE
-10.1%▼
2024 · 92.4%
ROA
-6.0%▼
2024 · 57.6%
Debt ≤ 1 year
€40,605▲
2024 · €39,960
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.6% went bankrupt
8.6% stopped otherwise
90% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 12,304 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€106,253€100,840▼
Fixed assets21/28€0€0=
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€0-
Land and buildings22€0-
Plant, machinery and equipment23€0-
Current assets29/58€106,253€100,840▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€48,155€48,155=
Other amounts receivable41€48,155€48,155=
Current investments50/53-€45,000
Cash at bank and in hand54/58€58,098€7,685▼
Equity and liabilities
Total equity and liabilities10/49€106,253€100,840▼
Equity10/15€66,293€60,235▼
Contributions10/11€18,600€18,600=
Capital10€18,600€18,600=
Issued capital100€18,600€18,600=
Reserves13€31,860€31,860=
Non-distributable reserves130/1€1,860€1,860=
Legal reserve130€1,860€1,860=
Tax-exempt reserves132€30,000€30,000=
Profit (loss) carried forward14€15,833€9,775▼
Amounts payable17/49€39,960€40,605▲
Amounts payable within one year42/48€39,960€40,605▲
Trade debts44€1,248-
Suppliers440/4€1,248-
Other amounts payable47/48€38,712€40,605▲
Income statement Code20242025
Non-recurring operating income76A€405,453€400▼
Goods, raw materials, services and sundry goods60/61€26,580€6,115▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€303,795-
Other operating charges640/8€4,538€296▼
Gross operating margin9900€378,873-€5,715▼
Operating profit (loss)9901€70,540-€6,011▼
Financial charges65/66B€9,298€47▼
Recurring financial charges65€9,298€47▼
Profit (loss) for the period before taxes9903€61,242-€6,058▼
Profit (loss) for the period9904€61,242-€6,058▼
Profit (loss) for the period to be appropriated9905€61,242-€6,058▼
Appropriation of the result
Profit (loss) to be appropriated9906€16,808€9,775▼
Profit (loss) brought forward from the previous period14P-€44,434€15,833▲
Transfer to equity691/2€975-
To the legal reserve6920€975-

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

Line20212022202320242025Change
Non-recurring operating income76A-€33,345€36,435€405,453€400▼ 99.9%
Goods, raw materials, services and sundry goods60/61-€12,697€21,607€26,580€6,115▼ 77.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18,748€18,748€18,883€303,795--
Other operating charges640/8-€3,966€4,337€4,538€296▼ 93.5%
Gross operating margin9900€23,317€20,648€14,828€378,873-€5,715▼ 102%
Operating profit (loss)9901€214-€2,066-€8,392€70,540-€6,011▼ 109%
Financial income75/76B-€194----
Recurring financial income75-€194----
Non-recurring financial income76B-€194----
Financial charges65/66B-€10,044€9,317€9,298€47▼ 99.5%
Recurring financial charges65€10,292€10,044€9,317€9,298€47▼ 99.5%
Profit (loss) for the period before taxes9903-€6,480-€11,916-€17,709€61,242-€6,058▼ 110%
Profit (loss) for the period9904-€6,480-€11,916-€17,709€61,242-€6,058▼ 110%
Profit (loss) for the period to be appropriated9905-€6,480-€11,916-€17,709€61,242-€6,058▼ 110%
Line20212022202320242025Change
Assets
Total assets20/58€394,063€372,423€361,796€106,253€100,840▼ 5.1%
Fixed assets21/28€340,087€321,339€303,795€0€0-
Intangible fixed assets21-€0€0€0€0-
Tangible fixed assets22/27€340,087€321,339€303,795€0--
Land and buildings22-€310,800€294,000€0--
Plant, machinery and equipment23-€10,539€9,795€0--
Current assets29/58€53,976€51,084€58,001€106,253€100,840▼ 5.1%
Amounts receivable after more than one year29---€0--
Other amounts receivable291---€0--
Amounts receivable within one year40/41€48,155€48,155€48,155€48,155€48,155=
Other amounts receivable41-€48,155€48,155€48,155€48,155=
Current investments50/53----€45,000-
Cash at bank and in hand54/58€5,821€2,929€9,846€58,098€7,685▼ 86.8%
Equity and liabilities
Total equity and liabilities10/49€394,063€372,423€361,796€106,253€100,840▼ 5.1%
Equity10/15€34,676€22,760€5,051€66,293€60,235▼ 9.1%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Capital10-€18,600€18,600€18,600€18,600=
Issued capital100-€18,600€18,600€18,600€18,600=
Reserves13€30,885€30,885€30,885€31,860€31,860=
Non-distributable reserves130/1-€885€885€1,860€1,860=
Legal reserve130-€885€885€1,860€1,860=
Tax-exempt reserves132--€30,000€30,000€30,000=
Distributable reserves133-€30,000----
Profit (loss) carried forward14-€14,809-€26,725-€44,434€15,833€9,775▼ 38.3%
Amounts payable17/49€359,387€349,663€356,745€39,960€40,605▲ 1.6%
Amounts payable after more than one year17€328,190€307,139€286,556---
Financial debts170/4-€307,139€286,556---
Amounts payable within one year42/48€31,197€42,524€70,189€39,960€40,605▲ 1.6%
Current portion of amounts payable after more than one year42-€21,051€20,583---
Trade debts44€263€2,304€9,976€1,248--
Suppliers440/4-€2,304€9,976€1,248--
Other amounts payable47/48-€19,169€39,630€38,712€40,605▲ 4.9%
Line20212022202320242025Change
Profit (loss) for the period9904-€6,480-€11,916-€17,709€61,242-€6,058▼ 110%
+ Depreciation and write-downs630€18,748€18,748€18,883€303,795--
Operating cash flow (approximation)€12,268€6,832€1,174€365,037-€6,058▼ 102%
Investment in fixed assets (approximation)-€0-€1,339€0€0-
Change in cash--€2,892€6,917€48,252-€50,413▼ 204%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2025
28-10
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2024
24-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial Back to profitnet €61,242
Net result €61,242 after 4 loss-making years.
30-06
Financial Liquidity triplescurrent ratio 2.66
Current ratio from 0.83 to 2.66; short-term debt falls from €70,189 to €39,960.
2023
07-11
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial Weakest financial yearnet -€17,709
Net result drops to -€17,709, the lowest in the series; recovery starts the following year.
2022
06-12
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2021
24-11
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
29-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 272 days late
2018
09-11
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2017
27-12
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2016
14-12
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.
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
5 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, Namur · 1 establishment unit since 1996
seat establishment The establishment unit on the map
Ground area
2,588 m²
Building footprint
131 m²
Volume, LiDAR
899 m³
Parcel 92135B0466/00B000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DERVAUX
Chemin des Marronniers(WP) 10, 5100 NamurReal estate activities
since 19962.204.505.637
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92135B0466/00B000 Wallonia 2,588 m² 1 · 131 m² 8.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded24-04-1992
Fiscal year end30-06
Abbreviation FR COMPTACT
Contact
E-mail comptact@hotmail.com
Phone 081207790
Fax 081207791
E-mail compact@hotmail.comNamur
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.