Equity
-€105,772
Debts exceed assets in financial year 2025.
Desca et Fils
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1993Gross marginpeak €17,051 (2006)
€4,609▲ 57.9%
Resultlowest -€13,519 (2009)
-€2,516▲ €1,799
Equitypeak €16,750 (2006)
-€105,772▼ €2,516
Debts
€155,610▼ 1.6%
Board1 name since 2024
1 directorMyriam Scalliet
Documentsfilings and deeds
18-08-202618 days late
2025micro format
Gross margin from €2,918 to €4,609Loss of €2,516
Key points
from the 2025 annual accountsLosses
-€123,022 in 20 years
Every financial year from 2006 to 2025 closed with a loss. 2009 was the heaviest.
Debts
€155,610 312% of the balance sheet
Financial debts 12%Suppliers 2%Other 86%
Of this, €137,256 falls due within a year.
2025 accounts filed 18 days after the deadline
Checked score
53
Fair
Financially stronger than 20% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025lowest value
04-2025: 0.6%● unchanged vs 03-2025lowest value
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.8%▲ +0.2 percentage points vs 06-2025
08-2025: 0.7%▼ -0.1 percentage points vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.6%▼ -0.1 percentage points vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.7%▲ +0.1 percentage points vs 05-2026
07-2026: 0.8%▲ +0.1 percentage points vs 06-2026
08-2026: 1.2%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 0.6%▼ -0.6 percentage points vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€105,772
Loss of €2,516, the second in a row (financial year 2025)
lowers risk
Size: total assets €49,837
Founded in 1992
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 5% on liquidity, 34% on profitability and 37% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,796 companies had the same profile as Desca et Fils has now. Each dot stands for 7 companies, two years later.
90.4%
were still trading
6.0%
stopped another way
2.1%
went bankrupt
Another 1.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Desca et Fils itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,796 companies, not a prediction for Desca et Fils. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.0 (0.0 in 2024), below 1. Short-term debt is 275.4% and cash 1% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€105,772
raises risk · 2025 accounts filed 18 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
18 days late
2024
25 days early
2023
1 day late
2022
22 days early
2021
73 days early
2020
5 days early
2019
3 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 15 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 July (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
“La remise et reprise de Fonds de commerce en général ainsi que l’exploitation et la mise en valeur dans le…” (deed in French) · Director in office: Myriam Scalliet · General meeting of 22-04-2024 · Gazette deed
First establishment
RELAY, Keizerslaan, Brussels
Incorporation
published on 12-08-1992 · Gazette deed
Official details
Source: KBO- Status
- Active since 17-07-1992Normal situation
- Activity
- “La remise et reprise de Fonds de commerce en général ainsi que l’exploitation et…” (deed in French)From the articles, 5 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.058.826.0871000 Brussels, since 15-01-2001
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- Turnover
- ≈ €35,000estimated
- Total assets
- €49,837▼ 9.3%
- Filing
- Filed on 18-08-2026
Insights on Desca et Fils
Desca et Fils files the micro format. That format states no turnover. The gross margin fell from €17,051 in 2006 to €4,609 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Desca et Fils
- What is the company number of Desca et Fils?
- The company number of Desca et Fils is 0447.921.650. The VAT number is the same number with BE in front: BE 0447.921.650.
- Where is Desca et Fils based?
- The registered office is at Rue du Tilleul 8, 4219 Wasseiges.Company details
- What is the legal form of Desca et Fils?
- Desca et Fils is a private limited company (BV).
- When was Desca et Fils founded?
- Desca et Fils was founded on 17-07-1992.
- Is Desca et Fils still active?
- Yes, Desca et Fils is an active enterprise in the KBO register.
- What is the turnover of Desca et Fils?
- The turnover in financial year 2025 is ≈ €35,000. This figure is estimated from the gross margin of €4,609 and 6,304 comparable companies of the same size. It probably lies between €16,000 and €84,000. It is a rough estimate.Financials
- Is Desca et Fils profitable?
- In financial year 2025, Desca et Fils made a loss of €2,516.
- Where can I find the annual accounts of Desca et Fils?
- Desca et Fils filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Desca et Fils due?
- Desca et Fils must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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