DERVAUX EBENISTERIE
ActiveThe computed 12-month bankruptcy probability of DERVAUX EBENISTERIE is 1.7% (moderate). The 2025 annual accounts show equity of €510k and a net result of €49k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 2029 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+3
Solvency75▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.43 in 2024; short-term debt: 21.1% and cash: 10.7% of total assets), and 49.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
50.1%
Return on assets
4.8%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
3 d early
2024
25 d late
2023
22 d late
2022
68 d early
2021
19 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€49k▲ 79.7%
2024 · €27k
2021: €71k
2022: €80k
2023: €35k
2024: €27k
2021 → 2025
Working capital
€143k▲ 45.8%
2024 · €98k
2021: €-57k
2022: €11k
2023: €24k
2024: €98k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€334k-€410k▲ 22.8%€441k▲ 7.7%€465k▲ 5.3%€510k▲ 9.7%
Operating result€106k-€115k▲ 8.5%€51k▼ 55.9%€48k▼ 4.9%€76k▲ 56.7%
Net result€71k-€80k▲ 11.5%€35k▼ 55.9%€27k▼ 22.6%€49k▲ 79.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€661k▼ 4.3%
Current assets
€358k▲ 9.4%
Equity and liabilities €1.02M
Equity
€510k▲ 9.7%
Provisions
€56k=
Debt
€453k▼ 8.8%
The debt ratio falls from 48.8% to 44.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€169k▲
2024 · €137k
Cash flow
€142k▲
2024 · €115k
Solvency
50.1%▲
2024 · 45.7%
Current ratio
1.66▲
2024 · 1.43
Quick ratio
1.38▲
2024 · 1.21
Debt / equity
0.89▼
2024 · 1.07
ROE
9.5%▲
2024 · 5.8%
ROA
4.8%▲
2024 · 2.7%
Interest coverage
15.36▲
2024 · 7.96
Debt
€453k▼
2024 · €497k
Debt ≤ 1 year
€215k▼
2024 · €229k
Debt > 1 year
€221k▼
2024 · €267k
Income taxes
€22k▲
2024 · €10k
Staff costs
€379k▲
2024 · €277k
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€1.02M€1.02M▲
Fixed assets21/28€690k€661k▼
Intangible fixed assets21€15k€6k▼
Tangible fixed assets22/27€675k€654k▼
Land and buildings22€530k€512k▼
Plant, machinery and equipment23€27k€60k▲
Furniture and vehicles24€73k€59k▼
Leasing and similar rights25€46k€23k▼
Financial fixed assets28-€919
Current assets29/58€327k€358k▲
Stocks and contracts in progress3€49k€62k▲
Stocks30/36€49k€62k▲
Amounts receivable within one year40/41€134k€106k▼
Trade receivables40€98k€52k▼
Other amounts receivable41€37k€54k▲
Current investments50/53€56k€56k=
Cash at bank and in hand54/58€67k€109k▲
Deferred charges and accrued income490/1€22k€26k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.02M▲
Equity10/15€465k€510k▲
Contributions10/11€245k€245k=
Capital10€245k€245k=
Issued capital100€245k€245k=
Reserves13€213k€262k▲
Non-distributable reserves130/1€1k€4k▲
Legal reserve130€1k€4k▲
Distributable reserves133€211k€257k▲
Investment grants15€7k€4k▼
Provisions and deferred taxes16€56k€56k=
Provisions for liabilities and charges160/5€56k€56k=
Other liabilities and charges164/5€56k€56k=
Amounts payable17/49€497k€453k▼
Amounts payable after more than one year17€267k€221k▼
Financial debts170/4€267k€221k▼
Amounts payable within one year42/48€229k€215k▼
Current portion of amounts payable after more than one year42€82k€81k▼
Trade debts44€84k€106k▲
Suppliers440/4€84k€106k▲
Advances received on contracts in progress46€11k€17k▲
Taxes, remuneration and social security45€52k€10k▼
Taxes450/3€16k€10k▼
Remuneration and social security454/9€36k€0▼
Other amounts payable47/48€420€2k▲
Accrued charges and deferred income492/3-€17k
Income statement
Code20242025
Remuneration, social security and pensions62€277k€379k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88k€93k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€56k€0▼
Other operating charges640/8€9k€9k▲
Gross operating margin9900€478k€557k▲
Operating profit (loss)9901€48k€76k▲
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€17k€11k▼
Recurring financial charges65€17k€11k▼
Profit (loss) for the period before taxes9903€37k€71k▲
Income taxes67/77€10k€22k▲
Profit (loss) for the period9904€27k€49k▲
Profit (loss) for the period to be appropriated9905€27k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€49k▲
Transfer to equity691/2€27k€49k▲
To the legal reserve6920€1k€3k▲
To other reserves6921€26k€46k▲
Social balance
Average headcount (FTE)90875.87.6▲
The notes to these accounts (18 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €500kEq €510k ▲9.7%
5 profitable years in a row build equity to €510k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €27k ▼22.6%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2021net €80k ▲11.5%
Operating result €115k, net result €80k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
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, Tournai · 1 establishment unit since 2021
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.
Grand Chemin(BEC) 3927532 TournaiGround area
2,705 m²
Building footprint
173 m²
Volume, LiDAR
1,063 m³
Parcel 57007C0063/00B008, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dervaux Ebenisterie SA
since 20212.318.423.625
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57007C0063/00B008 | Wallonia | 2,705 m² | 1 · 173 m² | 8.7 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
Recognised contractor
2 categoriesDERVAUX EBENISTERIE SA44705
Legal Entity Identifier
984500E4DE0EWD757A53
Similar companies · same sector, comparable size
RUYSSCHAERT BRUGGE
BE 0888.051.529
Brugge · Eq €510k
HELLEBUYCK
BE 0447.770.707
Wingene · Eq €510k
WILFRA CONCEPT & CREATION
BE 0429.867.475
Sint-Martens-Latem · Eq €510k
D & D Interieur Vuylsteke
BE 0864.927.818
Roeselare · Eq €509k
DYNASET
BE 0458.706.466
Drogenbos · Eq €509k
Of 20,031 companies in sector 43320 we hold annual accounts for 9,133. 5,919 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-06-2021
Fiscal year end31-12
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43320Joinery installation
16230Manufacture of other builders' carpentry and joinery
16281Manufacture of other wood products
23120Manufacture of other non-metallic mineral products
31002Manufacture of furniture
43332Laying of wooden floor and wall coverings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@dervauxebenisterie.be