DESAMI
ActiveDESAMI has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.93M and a net result of €832k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 395 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+53
Solvency100▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 1.77 in 2024), and 31.5% 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
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
68.5%
Return on assets
19.4%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 filingsDeviation from the deadline
2025
29 d late
2024
30 d late
2023
30 d late
2022
31 d late
2021
66 d late
2020
31 d late
2019
35 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€832k▲ 322%
2024 · €197k
2018: €76k
2019: €144k
2020: €130k
2021: €685k
2022: €254k
2023: €284k
2024: €197k
2018 → 2025
Working capital
€2.52M▲ 58.3%
2024 · €1.59M
2018: €154k
2019: €246k
2020: €217k
2021: €1.77M
2022: €1.25M
2023: €1.26M
2024: €1.59M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.45M-€1.72M▲ 18.7%€1.93M▲ 12.3%€2.09M▲ 8.6%€2.93M▲ 40.2%
Operating result€706k-€168k▼ 76.2%€331k▲ 97.5%€173k▼ 47.9%€939k▲ 443%
Net result€685k-€254k▼ 62.9%€284k▲ 12.1%€197k▼ 30.8%€832k▲ 322%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 443% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.28M
Fixed assets
€417k▼ 17.0%
Current assets
€3.87M▲ 5.8%
Equity and liabilities €4.28M
Equity
€2.93M▲ 40.2%
Debt
€1.35M▼ 34.6%
The debt ratio falls from 49.7% to 31.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.17M▲
2024 · €415k
Cash flow
€1.06M▲
2024 · €439k
Solvency
68.5%▲
2024 · 50.3%
Current ratio
2.86▲
2024 · 1.77
Quick ratio
1.90▲
2024 · 1.09
Debt / equity
0.46▼
2024 · 0.99
ROE
28.3%▲
2024 · 9.4%
ROA
19.4%▲
2024 · 4.7%
Interest coverage
21.13▲
2024 · 6.84
Debt
€1.35M▼
2024 · €2.07M
Debt ≤ 1 year
€1.35M▼
2024 · €2.07M
Income taxes
€161k▲
2024 · €30k
Staff costs
€744k▲
2024 · €443k
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€4.16M€4.28M▲
Fixed assets21/28€503k€417k▼
Intangible fixed assets21€434k€354k▼
Tangible fixed assets22/27€38k€40k▲
Plant, machinery and equipment23€19k€33k▲
Furniture and vehicles24€19k€7k▼
Other tangible fixed assets26€46€0▼
Financial fixed assets28€31k€23k▼
Current assets29/58€3.66M€3.87M▲
Stocks and contracts in progress3€1.40M€1.30M▼
Stocks30/36€1.40M€1.30M▼
Amounts receivable within one year40/41€2.03M€2.08M▲
Trade receivables40€1.60M€1.83M▲
Other amounts receivable41€427k€250k▼
Cash at bank and in hand54/58€224k€450k▲
Deferred charges and accrued income490/1€8k€34k▲
Equity and liabilities
Total equity and liabilities10/49€4.16M€4.28M▲
Equity10/15€2.09M€2.93M▲
Contributions10/11€450k€450k=
Reserves13€1.20M€2.00M▲
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€1.20M€2.00M▲
Profit (loss) carried forward14€223k€255k▲
Investment grants15€215k€224k▲
Amounts payable17/49€2.07M€1.35M▼
Amounts payable within one year42/48€2.07M€1.35M▼
Current portion of amounts payable after more than one year42€241k€232k▼
Financial debts43€1.00M€500k▼
Credit institutions430/8€1.00M€500k▼
Trade debts44€764k€467k▼
Suppliers440/4€764k€467k▼
Advances received on contracts in progress46-€28k
Taxes, remuneration and social security45€59k€81k▲
Taxes450/3€10k€59k▲
Remuneration and social security454/9€49k€22k▼
Other amounts payable47/48€2k€41k▲
Income statement
Code20242025
Remuneration, social security and pensions62€443k€744k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€242k€229k▼
Other operating charges640/8€56k€9k▼
Gross operating margin9900€914k€1.92M▲
Operating profit (loss)9901€173k€939k▲
Financial income75/76B€115k€109k▼
Recurring financial income75€115k€109k▼
Financial charges65/66B€61k€55k▼
Recurring financial charges65€61k€55k▼
Profit (loss) for the period before taxes9903€227k€993k▲
Income taxes67/77€30k€161k▲
Profit (loss) for the period9904€197k€832k▲
Profit (loss) for the period to be appropriated9905€197k€832k▲
Appropriation of the result
Profit (loss) to be appropriated9906€223k€1.05M▲
Profit (loss) brought forward from the previous period14P€26k€223k▲
Transfer to equity691/2-€800k
To other reserves6921-€800k
Social balance
Average headcount (FTE)90876.111.1▲
The notes to these accounts (13 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Highest result since 2018net €832k ▲322%
Operating result €939k, net result €832k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Equity above €2MEq €2.09M ▲8.6%
7 profitable years in a row build equity to €2.09M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 66 days late
2021
31-12
Financial
Equity above €1MEq €1.45M ▲332%
4 profitable years in a row build equity to €1.45M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
31-12
Financial
Equity above €500kEq €563k ▲28.2%
2 profitable years in a row build equity to €563k.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Fernelmont · 2 establishment units since 2013
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.
Rue Salinas, Nov. 175380 FernelmontGround area
1.7 ha
Building footprint
847 m²
Volume, LiDAR
4,781 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
DESAMI
since 20132.215.721.312
DESAMI
since 20162.257.798.724
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52018D0455/00Z000 | Wallonia | 1.6 ha | 1 · 738 m² | 7.7 m · 2 fl. |
| 92096B0218/00N000 | Wallonia | 981 m² | 1 · 110 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Hofman
BE 0411.516.758
Aalst · Eq €2.95M
DE WITTE
BE 0448.768.124
Maldegem · Eq €2.90M
Smeyers
BE 0437.838.105
Stabroek · Eq €2.90M
Cillen
BE 0842.318.207
Bree · Eq €2.88M
SIEMES
BE 0429.813.136
Beringen · Eq €3.03M
Of 2,316 companies in sector 42110 we hold annual accounts for 1,088. 476 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2012
Fiscal year end31-12
Activities, NACEBEL
42110Construction of roads and motorways
43990Other specialised construction activities
43999Specialised construction activities
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.