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DESCHEPPER

Active
Private limited companyfounded 198739 yrs activeYzerdijk(KAA) 61, 8600 Diksmuide, BelgiumKBO/BCE: BE 0430.355.940
Summary

DESCHEPPER has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100,297 and a net result of €7,282. Equity is growing by ~6.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability73▲+20
Solvency68▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 2.35 against 2.16 in 2024; short-term debt: 10.3% and cash: 16.8% of total assets), but 57.1% of the assets are financed with debt.
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Signals

Four 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 39 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
42.9%
Return on assets
3.1%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 d early
2024
42 d early
2023
50 d early
2022
30 d late
2021
50 d late
2020
12 d early
2019
53 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 4 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 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

DESCHEPPER was incorporated on 24 January 1987.1 Total assets went from EUR 244,556 in 2018 to EUR 233,544 in 2025 and headcount from 0.5 full-time equivalents in 2018 to 0.1 in 2020.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018, 2020 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€100,297▲ 7.8%
2024 · €93,015
Total assets
€233,544▼ 6.0%
2024 · €248,502
Net result
€7,282▲ 387%
2024 · €1,494
Working capital
€32,355▼ 2.2%
2024 · €33,069
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
Operating result-€23,632€1,636€158▼ 90.4%€4,652▲ 2,850%€9,417▲ 102%
Net result-€31,196-€3,157▲ 89.9%-€3,778▼ 19.7%€1,494€7,282▲ 387%
Equity€98,456▼ 24.1%€95,299▼ 3.2%€91,521▼ 4.0%€93,015▲ 1.6%€100,297▲ 7.8%
Total assets€310,847▼ 13.8%€280,646▼ 9.7%€259,814▼ 7.4%€248,502▼ 4.4%€233,544▼ 6.0%
Debt€157,098▼ 10.7%€130,054▼ 17.2%€113,000▼ 13.1%€100,194▼ 11.3%€77,954▼ 22.2%
Working capital€60,961▼ 56.8%€52,157▼ 14.4%€41,738▼ 20.0%€33,069▼ 20.8%€32,355▼ 2.2%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€40,000-€20,000€0Operating result 2021: -€23,632-€23,632Net result 2021: -€31,196-€31,196Operating result 2022: €1,636€1,636Net result 2022: -€3,157-€3,157Operating result 2023: €158€158Net result 2023: -€3,778-€3,778Operating result 2024: €4,652€4,652Net result 2024: €1,494€1,494Operating result 2025: €9,417€9,417Net result 2025: €7,282€7,28220212022202320242025-€5,000€0€5,000€10,000Operating result 2023: €158€158Net result 2023: -€3,778-€3,780Operating result 2024: €4,652€4,650Net result 2024: €1,494€1,490Operating result 2025: €9,417€9,420Net result 2025: €7,282€7,280202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 102% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233,544
Fixed assets €177,224 ▼ 5.2%
Current assets €56,320 ▼ 8.4%
Equity and liabilities €233,544
Equity €100,297 ▲ 7.8%
Provisions €55,293 =
Debt €77,954 ▼ 22.2%
Debt's share of the balance-sheet total falls from 40.3% to 33.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€19,203▲
2024 · €14,369
Cash flow
€17,068▲
2024 · €11,211
Current ratio
2.35▲
2024 · 2.16
Debt to equity
0.78▼
2024 · 1.08
ROE
7.3%▲
2024 · 1.6%
ROA
3.1%▲
2024 · 0.6%
Interest coverage
6.37▲
2024 · 3.99
Debt ≤ 1 year
€23,966▼
2024 · €28,423
Debt > 1 year
€53,988▼
2024 · €71,771
Income taxes
€0▼
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.5% went bankrupt
4.9% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

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 16,986 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€248,502€233,544▼
Fixed assets21/28€187,010€177,224▼
Tangible fixed assets22/27€187,010€177,224▼
Land and buildings22€187,010€177,224▼
Current assets29/58€61,492€56,320▼
Amounts receivable after more than one year29€16,603€11,637▼
Trade receivables290€16,603-
Other amounts receivable291-€11,637
Amounts receivable within one year40/41€5,107€5,085▼
Other amounts receivable41€5,107€5,085▼
Cash at bank and in hand54/58€39,491€39,292▼
Deferred charges and accrued income490/1€291€306▲
Equity and liabilities
Total equity and liabilities10/49€248,502€233,544▼
Equity10/15€93,015€100,297▲
Contributions10/11€18,600€18,600=
Reserves13€88,928€88,928=
Distributable reserves133€88,928€88,928=
Profit (loss) carried forward14-€14,513-€7,231▲
Provisions and deferred taxes16€55,293€55,293=
Provisions for liabilities and charges160/5€55,293€55,293=
Pensions and similar obligations160€55,293€55,293=
Amounts payable17/49€100,194€77,954▼
Amounts payable after more than one year17€71,771€53,988▼
Financial debts170/4€71,771€53,988▼
Amounts payable within one year42/48€28,423€23,966▼
Current portion of amounts payable after more than one year42€17,157€17,783▲
Trade debts44€1,272€329▼
Suppliers440/4€1,272€329▼
Other amounts payable47/48€9,994€5,854▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,716€9,786▲
Other operating charges640/8€3,347€3,722▲
Gross operating margin9900€17,716€22,926▲
Operating profit (loss)9901€4,652€9,417▲
Financial income75/76B€440€879▲
Recurring financial income75€440€879▲
Financial charges65/66B€3,597€3,014▼
Recurring financial charges65€3,597€3,014▼
Profit (loss) for the period before taxes9903€1,495€7,282▲
Income taxes67/77€0€0▼
Profit (loss) for the period9904€1,494€7,282▲
Profit (loss) for the period to be appropriated9905€1,494€7,282▲
Appropriation of the result
Profit (loss) to be appropriated9906-€14,513-€7,231▲
Profit (loss) brought forward from the previous period14P-€16,007-€14,513▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A-€50----
Remuneration, social security and pensions62-€71-----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,155€10,324€9,912€9,716€9,786▲ 0.7%
Other operating charges640/8€3,449€3,213€3,275€3,347€3,722▲ 11.2%
Gross operating margin9900-€11,099€15,172€13,345€17,716€22,926▲ 29.4%
Operating profit (loss)9901-€23,632€1,636€158€4,652€9,417▲ 102%
Financial income75/76B€18-€272€440€879▲ 99.8%
Recurring financial income75€18-€272€440€879▲ 99.8%
Financial charges65/66B€5,374€4,793€4,208€3,597€3,014▼ 16.2%
Recurring financial charges65€5,374€4,793€4,208€3,597€3,014▼ 16.2%
Profit (loss) for the period before taxes9903-€28,988-€3,157-€3,778€1,495€7,282▲ 387%
Income taxes67/77€2,208--€0€0▼ 100%
Profit (loss) for the period9904-€31,196-€3,157-€3,778€1,494€7,282▲ 387%
Transfer from tax-exempt reserves789€22,125-----
Profit (loss) for the period to be appropriated9905-€9,072-€3,157-€3,778€1,494€7,282▲ 387%
Line20212022202320242025Change
Assets
Total assets20/58€310,847€280,646€259,814€248,502€233,544▼ 6.0%
Fixed assets21/28€214,239€203,915€194,003€187,010€177,224▼ 5.2%
Tangible fixed assets22/27€214,239€203,915€194,003€187,010€177,224▼ 5.2%
Land and buildings22€213,443€203,517€194,003€187,010€177,224▼ 5.2%
Furniture and vehicles24€796€398----
Current assets29/58€96,608€76,731€65,811€61,492€56,320▼ 8.4%
Amounts receivable after more than one year29---€16,603€11,637▼ 29.9%
Trade receivables290---€16,603--
Other amounts receivable291----€11,637-
Amounts receivable within one year40/41€477€2,993€934€5,107€5,085▼ 0.4%
Other amounts receivable41€477€2,993€934€5,107€5,085▼ 0.4%
Cash at bank and in hand54/58€95,602€73,483€64,585€39,491€39,292▼ 0.5%
Deferred charges and accrued income490/1€529€255€292€291€306▲ 5.0%
Equity and liabilities
Total equity and liabilities10/49€310,847€280,646€259,814€248,502€233,544▼ 6.0%
Equity10/15€98,456€95,299€91,521€93,015€100,297▲ 7.8%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Reserves13€88,928€88,928€88,928€88,928€88,928=
Distributable reserves133€88,928€88,928€88,928€88,928€88,928=
Profit (loss) carried forward14-€9,072-€12,229-€16,007-€14,513-€7,231▲ 50.2%
Provisions and deferred taxes16€55,293€55,293€55,293€55,293€55,293=
Provisions for liabilities and charges160/5€55,293€55,293€55,293€55,293€55,293=
Pensions and similar obligations160€55,293€55,293€55,293€55,293€55,293=
Amounts payable17/49€157,098€130,054€113,000€100,194€77,954▼ 22.2%
Amounts payable after more than one year17€121,450€105,480€88,928€71,771€53,988▼ 24.8%
Financial debts170/4€121,450€105,480€88,928€71,771€53,988▼ 24.8%
Amounts payable within one year42/48€35,648€24,574€24,072€28,423€23,966▼ 15.7%
Current portion of amounts payable after more than one year42€15,407€15,970€16,553€17,157€17,783▲ 3.6%
Trade debts44€259€414€592€1,272€329▼ 74.2%
Suppliers440/4€259€414€592€1,272€329▼ 74.2%
Taxes, remuneration and social security45€18,496-----
Taxes450/3€18,496-----
Other amounts payable47/48€1,486€8,190€6,928€9,994€5,854▼ 41.4%
Line20212022202320242025Change
Profit (loss) for the period9904-€31,196-€3,157-€3,778€1,494€7,282▲ 387%
+ Depreciation and write-downs630€9,155€10,324€9,912€9,716€9,786▲ 0.7%
Operating cash flow (approximation)-€22,041€7,166€6,134€11,211€17,068▲ 52.2%
Investment in fixed assets (approximation)-€0€0-€2,723€0▲ 100%
Change in cash--€22,120-€8,898-€25,094-€199▲ 99.2%

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 31-07-2027
2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Equity above €100,000Eq €100,297 ▲7.8%
2 profitable years in a row build equity to €100,297.
19-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Back to profitnet €1,494
Net result €1,494 after 3 loss-making years.
11-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
19-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
31-12
Financial Weakest financial yearnet -€31,196
Net result drops to -€31,196, the lowest in the series; recovery starts the following year.
19-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Highest result since 2018net €119,240 ▲589%
Operating result €159,329, net result €119,240, both a record.
31-12
Financial Liquidity doublescurrent ratio 4.62
Current ratio from 1.88 to 4.62.
31-12
Financial Equity above €100,000Eq €129,652 ▲1,145%
3 profitable years in a row build equity to €129,652.
Show earlier events
22-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
25-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
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 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.

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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, Diksmuide · 1 establishment unit since 1987
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.

Yzerdijk(KAA) 618600 Diksmuide
1 establishment unit
Yzerdijk(KAA) 61, 8600 Diksmuide
NACE 65210
since 19872.033.502.258

Identification & contact

Identification
Legal formPrivate limited company
Founded24-01-1987
Fiscal year end31-12
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.