Summary
Desafka 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 €235,028 and a net result of €38,186. Equity is growing by ~49.2% per year across the filed fiscal years. Its solvency ranks better than 50% of 8094 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
58 d early
2023
12 d early
2022
31 d early
2021
30 d early
2020
159 d early
2019
28 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 38 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€235,028▼ 0.6%
2024 · €236,537
Net result
€38,186▲ 5.5%
2024 · €36,202
Total assets
€454,993▲ 61.9%
2024 · €281,010
Solvency
51.7%▼ 32.5pp
2024 · 84.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€83,520€69,736▼ 16.5%€133,063▲ 90.8%€46,466▼ 65.1%€48,774▲ 5.0%
Net result€61,861within the sector's middle half€49,834within the sector's middle half▼ 19.4%€92,207above the sector's middle half▲ 85.0%€36,202within the sector's middle half▼ 60.7%€38,186within the sector's middle half▲ 5.5%
Equity€58,295within the sector's middle half€108,128within the sector's middle half▲ 85.5%€200,335within the sector's middle half▲ 85.3%€236,537within the sector's middle half▲ 18.1%€235,028within the sector's middle half▼ 0.6%
Total assets€105,681below the sector's middle half▲ 8,893%€157,607within the sector's middle half▲ 49.1%€243,563within the sector's middle half▲ 54.5%€281,010within the sector's middle half▲ 15.4%€454,993within the sector's middle half▲ 61.9%
Debt€47,386▲ 899%€49,479▲ 4.4%€43,228▼ 12.6%€44,473▲ 2.9%€219,965▲ 395%
Working capital€57,712within the sector's middle half€107,890within the sector's middle half▲ 86.9%€197,625above the sector's middle half▲ 83.2%€235,245above the sector's middle half▲ 19.0%€429,506above the sector's middle half▲ 82.6%
Solvency55.2%within the sector's middle half▲ 358.7pp68.6%within the sector's middle half▲ 13.4pp82.3%above the sector's middle half▲ 13.6pp84.2%above the sector's middle half▲ 1.9pp51.7%within the sector's middle half▼ 32.5pp
Current ratio2.22within the sector's middle half3.33within the sector's middle half▲ 1.115.69above the sector's middle half▲ 2.366.44above the sector's middle half▲ 0.7523.81above the sector's middle half▲ 17.37
Return on assets (ROA)58.5%above the sector's middle half31.6%above the sector's middle half▼ 26.9pp37.9%above the sector's middle half▲ 6.2pp12.9%within the sector's middle half▼ 25.0pp8.4%within the sector's middle half▼ 4.5pp
Staff (FTE)0.10.1
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454,993
Fixed assets
€6,656 ▲ 164%
Current assets
€448,338 ▲ 61.0%
Equity and liabilities €454,993
Equity
€235,028 ▼ 0.6%
Debt
€219,965 ▲ 395%
Debt's share of the balance-sheet total rises from 15.8% to 48.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
16.2%▲
2024 · 15.3%
Debt ≤ 1 year
€18,831▼
2024 · €43,246
Debt > 1 year
€197,991
Income taxes
€15,794▲
2024 · €15,201
Staff costs
€4,247▲
2024 · €2,952
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €4,142 | €3,817 | €3,625 | €2,952 | €4,247 | ▲ 43.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €244 | €621 | €1,239 | €1,257 | €1,513 | ▲ 20.4% |
| Other operating charges640/8 | €779 | €460 | €705 | €813 | €528 | ▼ 35.1% |
| Gross operating margin9900 | €88,684 | €74,634 | €138,631 | €51,488 | €55,061 | ▲ 6.9% |
| Operating profit (loss)9901 | €83,520 | €69,736 | €133,063 | €46,466 | €48,774 | ▲ 5.0% |
| Financial income75/76B | - | - | - | €5,127 | €7,286 | ▲ 42.1% |
| Recurring financial income75 | - | - | - | €5,127 | €7,286 | ▲ 42.1% |
| Financial charges65/66B | €180 | €189 | €188 | €190 | €2,080 | ▲ 992% |
| Recurring financial charges65 | €180 | €189 | €188 | €190 | €2,080 | ▲ 992% |
| Profit (loss) for the period before taxes9903 | €83,340 | €69,547 | €132,875 | €51,403 | €53,980 | ▲ 5.0% |
| Income taxes67/77 | €21,479 | €19,714 | €40,668 | €15,201 | €15,794 | ▲ 3.9% |
| Profit (loss) for the period9904 | €61,861 | €49,834 | €92,207 | €36,202 | €38,186 | ▲ 5.5% |
| Profit (loss) for the period to be appropriated9905 | €61,861 | €49,834 | €92,207 | €36,202 | €38,186 | ▲ 5.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €105,681 | €157,607 | €243,563 | €281,010 | €454,993 | ▲ 61.9% |
| Fixed assets21/28 | €582 | €3,406 | €3,775 | €2,519 | €6,656 | ▲ 164% |
| Tangible fixed assets22/27 | €582 | €3,406 | €3,775 | €2,519 | €6,656 | ▲ 164% |
| Plant, machinery and equipment23 | - | €3,100 | €2,410 | €1,721 | €6,394 | ▲ 271% |
| Furniture and vehicles24 | €582 | €307 | €1,365 | €797 | €261 | ▼ 67.2% |
| Current assets29/58 | €105,099 | €154,201 | €239,787 | €278,491 | €448,338 | ▲ 61.0% |
| Amounts receivable within one year40/41 | €13,560 | €12,372 | €12,323 | €5,064 | €233,799 | ▲ 4,517% |
| Trade receivables40 | €13,560 | €12,372 | €12,299 | €0 | €17,642 | ▲ 11,026,025% |
| Other amounts receivable41 | €0 | - | €23 | €5,063 | €216,158 | ▲ 4,169% |
| Current investments50/53 | - | - | €150,000 | €230,000 | €180,000 | ▼ 21.7% |
| Cash at bank and in hand54/58 | €91,358 | €139,691 | €74,666 | €40,247 | €31,155 | ▼ 22.6% |
| Deferred charges and accrued income490/1 | €182 | €2,138 | €2,799 | €3,181 | €3,383 | ▲ 6.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €105,681 | €157,607 | €243,563 | €281,010 | €454,993 | ▲ 61.9% |
| Equity10/15 | €58,295 | €108,128 | €200,335 | €236,537 | €235,028 | ▼ 0.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €39,695 | €89,528 | €181,735 | €217,937 | €216,428 | ▼ 0.7% |
| Distributable reserves133 | €39,695 | €89,528 | €181,735 | €217,937 | €216,428 | ▼ 0.7% |
| Profit (loss) carried forward14 | €0 | - | - | - | €0 | - |
| Amounts payable17/49 | €47,386 | €49,479 | €43,228 | €44,473 | €219,965 | ▲ 395% |
| Amounts payable after more than one year17 | - | - | - | - | €197,991 | - |
| Financial debts170/4 | - | - | - | - | €197,991 | - |
| Amounts payable within one year42/48 | €47,386 | €46,311 | €42,162 | €43,246 | €18,831 | ▼ 56.5% |
| Trade debts44 | €3,810 | €2,753 | €2,564 | €23,071 | €1,301 | ▼ 94.4% |
| Suppliers440/4 | €3,810 | €2,753 | €2,564 | €23,071 | €1,301 | ▼ 94.4% |
| Taxes, remuneration and social security45 | €39,474 | €43,152 | €39,517 | €14,796 | €14,342 | ▼ 3.1% |
| Taxes450/3 | €36,308 | €40,208 | €37,017 | €12,296 | €14,342 | ▲ 16.6% |
| Remuneration and social security454/9 | €3,166 | €2,944 | €2,500 | €2,500 | €0 | ▼ 100% |
| Other amounts payable47/48 | €4,103 | €406 | €81 | €5,379 | €3,188 | ▼ 40.7% |
| Accrued charges and deferred income492/3 | - | €3,168 | €1,066 | €1,227 | €3,143 | ▲ 156% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €61,861 | €49,834 | €92,207 | €36,202 | €38,186 | ▲ 5.5% |
| + Depreciation and write-downs630 | €244 | €621 | €1,239 | €1,257 | €1,513 | ▲ 20.4% |
| Operating cash flow (approximation) | €62,105 | €50,455 | €93,445 | €37,459 | €39,699 | ▲ 6.0% |
| Investment in fixed assets (approximation) | - | -€3,445 | -€1,608 | €0 | -€5,650 | - |
| Change in cash | - | €48,334 | -€65,026 | -€34,419 | -€9,092 | ▲ 73.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 23.81
Current ratio from 6.44 to 23.81; short-term debt falls from €43,246 to €18,831.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €200,335 ▲85.3%
3 profitable years in a row build equity to €200,335.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €108,128 ▲85.5%
2 profitable years in a row build equity to €108,128.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €61,861
Net result €61,861 after 2 loss-making years.
31-12
Financial
Liquidity times 9current ratio 2.22
Current ratio from 0.25 to 2.22.
22-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet -€8,544
Net result drops to -€8,544, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Oostkamp · 1 establishment unit since 2007
Ground area
837 m²
Building footprint
178 m²
Volume, LiDAR
746 m³
Parcel 31025G0187/00N000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Tramstraat 9, 8020 Oostkamp
since 20072.164.244.895
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025G0187/00N000 | Flanders | 837 m² | 1 · 178 m² | 7.5 m · 1 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,614 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-07-2007
Fiscal year end31-12
Activities, NACEBEL 2025
32500Manufacture of medical and dental instruments and supplies
64210Activities of holding companies
Contact
E-mail
info@choc-raf.beOostkamp
Phone
050/425277Oostkamp
Fax
050/410172Oostkamp
E-invoicing
Reachable via Peppol
Peppol ID
0208:0890694580
Also
9925:BE0890694580
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.