Summary
DESCHEPPER - DE BONT 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 €675,997 and a net result of €141,488. Equity is growing by about 11% per year across the filed financial years. Its solvency ranks better than 92% of 2,979 sector peers (NACE 66, financial year 2025). The company has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Equity
€675,997▲ 13.3%
2024 · €596,777
Net result
€141,488▲ 8.6%
2024 · €130,229
Total assets
€731,345▲ 12.7%
2024 · €648,980
Solvency
92.4%▲ 0.5pp
2024 · 92.0%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€194,470
2025
Net result€141,488
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€731,345
2025
Equity€675,997
2025
Debt€55,347
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€475,202
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)19.3%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency92.4%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio9.59
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)2.7
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€42,436-€87,793▲ 107%€128,877▲ 46.8%€125,484▼ 2.6%€145,422▲ 15.9%€155,980▲ 7.3%€177,498▲ 13.8%€194,470▲ 9.6%
Net result€30,736-€62,267▲ 103%€91,467above the sector's middle half▲ 46.9%€89,637above the sector's middle half▼ 2.0%€103,284above the sector's middle half▲ 15.2%€111,192above the sector's middle half▲ 7.7%€130,229above the sector's middle half▲ 17.1%€141,488above the sector's middle half▲ 8.6%
Equity€547,982-€352,399▼ 35.7%€393,994above the sector's middle half▲ 11.8%€370,556above the sector's middle half▼ 5.9%€422,121above the sector's middle half▲ 13.9%€497,284above the sector's middle half▲ 17.8%€596,777above the sector's middle half▲ 20.0%€675,997above the sector's middle half▲ 13.3%
Total assets€575,094-€384,473▼ 33.1%€439,607within the sector's middle half▲ 14.3%€396,121within the sector's middle half▼ 9.9%€458,677within the sector's middle half▲ 15.8%€540,557within the sector's middle half▲ 17.9%€648,980within the sector's middle half▲ 20.1%€731,345within the sector's middle half▲ 12.7%
Debt€27,112-€32,073▲ 18.3%€45,613▲ 42.2%€25,565▼ 44.0%€36,556▲ 43.0%€43,273▲ 18.4%€52,203▲ 20.6%€55,347▲ 6.0%
Working capital€342,396-€154,114▼ 55.0%€202,189above the sector's middle half▲ 31.2%€182,798above the sector's middle half▼ 9.6%€188,524above the sector's middle half▲ 3.1%€305,319above the sector's middle half▲ 62.0%€422,143above the sector's middle half▲ 38.3%€475,202above the sector's middle half▲ 12.6%
Solvency95.3%-91.7%▼ 3.6pp89.6%above the sector's middle half▼ 2.0pp93.5%above the sector's middle half▲ 3.9pp92.0%above the sector's middle half▼ 1.5pp92.0%above the sector's middle half=92.0%above the sector's middle half=92.4%above the sector's middle half▲ 0.5pp
Current ratio13.63-5.81▼ 7.825.44above the sector's middle half▼ 0.378.25above the sector's middle half▲ 2.816.16above the sector's middle half▼ 2.088.06above the sector's middle half▲ 1.909.13above the sector's middle half▲ 1.069.59above the sector's middle half▲ 0.47
Return on assets (ROA)5.3%-16.2%▲ 10.9pp20.8%above the sector's middle half▲ 4.6pp22.6%above the sector's middle half▲ 1.8pp22.5%above the sector's middle half▼ 0.1pp20.6%above the sector's middle half▼ 1.9pp20.1%within the sector's middle half▼ 0.5pp19.3%within the sector's middle half▼ 0.7pp
Staff (FTE)2-2.7▲ 35.0%2.7within the sector's middle half=2.7=2.7=2.7=2.7=2.7=
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €731,345
Fixed assets
€200,850 ▲ 14.8%
Current assets
€530,495 ▲ 11.9%
Equity and liabilities €731,345
Equity
€675,997 ▲ 13.3%
Debt
€55,347 ▲ 6.0%
Debt's share of the balance-sheet total falls from 8.0% to 7.6%. Equity and debt are higher.
Key figures and ratios
ROE
20.9%▼
2024 · 21.8%
Debt ≤ 1 year
€55,293▲
2024 · €51,937
Income taxes
€60,114▲
2024 · €54,879
Staff costs
€183,705▲
2024 · €178,002
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €138,840 | €153,677 | €165,420 | €178,002 | €183,705 | ▲ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,420 | €22,362 | €17,241 | €19,350 | €30,075 | €41,632 | €35,839 | €25,340 | ▼ 29.3% |
| Other operating charges640/8 | - | - | - | €2,493 | €2,462 | €2,734 | €2,547 | €2,329 | ▼ 8.6% |
| Non-recurring operating charges66A | - | - | - | €131 | - | - | - | - | - |
| Gross operating margin9900 | €180,309 | €248,506 | €283,126 | €286,298 | €331,636 | €365,766 | €393,886 | €405,844 | ▲ 3.0% |
| Operating profit (loss)9901 | €42,436 | €87,793 | €128,877 | €125,484 | €145,422 | €155,980 | €177,498 | €194,470 | ▲ 9.6% |
| Financial income75/76B | - | - | - | €91 | €297 | €3,316 | €7,767 | €7,291 | ▼ 6.1% |
| Recurring financial income75 | €3,215 | €388 | €526 | €91 | €297 | €3,316 | €7,767 | €7,291 | ▼ 6.1% |
| Financial charges65/66B | - | - | - | €148 | €107 | €126 | €157 | €158 | ▲ 0.7% |
| Recurring financial charges65 | €883 | €250 | €253 | €148 | €107 | €126 | €157 | €158 | ▲ 0.7% |
| Profit (loss) for the period before taxes9903 | €44,768 | €87,931 | €129,150 | €125,427 | €145,612 | €159,169 | €185,107 | €201,602 | ▲ 8.9% |
| Income taxes67/77 | €14,032 | €25,664 | €37,682 | €35,791 | €42,329 | €47,977 | €54,879 | €60,114 | ▲ 9.5% |
| Profit (loss) for the period9904 | €30,736 | €62,267 | €91,467 | €89,637 | €103,284 | €111,192 | €130,229 | €141,488 | ▲ 8.6% |
| Profit (loss) for the period to be appropriated9905 | €30,736 | €62,267 | €91,467 | €89,637 | €103,284 | €111,192 | €130,229 | €141,488 | ▲ 8.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €575,094 | €384,473 | €439,607 | €396,121 | €458,677 | €540,557 | €648,980 | €731,345 | ▲ 12.7% |
| Fixed assets21/28 | €205,586 | €198,322 | €191,841 | €188,106 | €233,651 | €192,019 | €174,900 | €200,850 | ▲ 14.8% |
| Intangible fixed assets21 | €4,114 | €2,541 | €1,694 | €847 | - | - | €3,559 | €2,731 | ▼ 23.3% |
| Tangible fixed assets22/27 | €201,472 | €195,781 | €190,147 | €187,259 | €233,651 | €192,019 | €171,341 | €198,119 | ▲ 15.6% |
| Plant, machinery and equipment23 | - | - | - | €8,457 | €5,946 | €3,435 | €1,769 | €2,384 | ▲ 34.8% |
| Furniture and vehicles24 | - | - | - | €5,119 | €65,568 | €37,994 | €14,214 | €2,876 | ▼ 79.8% |
| Other tangible fixed assets26 | - | - | - | €173,683 | €162,136 | €150,590 | €155,359 | €192,858 | ▲ 24.1% |
| Current assets29/58 | €369,508 | €186,151 | €247,766 | €208,016 | €225,026 | €348,538 | €474,080 | €530,495 | ▲ 11.9% |
| Amounts receivable within one year40/41 | €51,128 | €43,133 | €27,198 | €26,435 | €22,417 | €22,376 | €24,360 | €34,494 | ▲ 41.6% |
| Trade receivables40 | - | - | - | €25,237 | €19,862 | €20,029 | €20,561 | €24,112 | ▲ 17.3% |
| Other amounts receivable41 | - | - | - | €1,198 | €2,555 | €2,347 | €3,799 | €10,382 | ▲ 173% |
| Current investments50/53 | €33 | - | - | - | - | €200,000 | €150,000 | €151,500 | ▲ 1.0% |
| Cash at bank and in hand54/58 | €303,049 | €119,420 | €200,742 | €161,291 | €182,461 | €95,105 | €290,688 | €337,891 | ▲ 16.2% |
| Deferred charges and accrued income490/1 | - | - | - | €20,290 | €20,148 | €31,057 | €9,031 | €6,610 | ▼ 26.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €575,094 | €384,473 | €439,607 | €396,121 | €458,677 | €540,557 | €648,980 | €731,345 | ▲ 12.7% |
| Equity10/15 | €547,982 | €352,399 | €393,994 | €370,556 | €422,121 | €497,284 | €596,777 | €675,997 | ▲ 13.3% |
| Contributions10/11 | €264,184 | €6,334 | - | €6,334 | €6,334 | €6,334 | €6,334 | €6,334 | = |
| Reserves13 | €283,798 | €346,065 | €387,660 | €364,222 | €415,787 | €490,950 | €590,443 | €669,663 | ▲ 13.4% |
| Non-distributable reserves130/1 | - | - | - | €1,900 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,900 | - | - | - | - | - |
| Distributable reserves133 | - | - | - | €362,322 | €415,787 | €490,950 | €590,443 | €669,663 | ▲ 13.4% |
| Profit (loss) carried forward14 | - | - | - | - | - | - | - | €0 | - |
| Amounts payable17/49 | €27,112 | €32,073 | €45,613 | €25,565 | €36,556 | €43,273 | €52,203 | €55,347 | ▲ 6.0% |
| Amounts payable within one year42/48 | €27,112 | €32,037 | €45,577 | €25,217 | €36,502 | €43,219 | €51,937 | €55,293 | ▲ 6.5% |
| Trade debts44 | €3,524 | €9,448 | €4,871 | €6,749 | €10,310 | €6,172 | €13,839 | €10,427 | ▼ 24.7% |
| Suppliers440/4 | - | - | - | €6,749 | €10,310 | €6,172 | €13,839 | €10,427 | ▼ 24.7% |
| Taxes, remuneration and social security45 | - | - | - | €18,468 | €26,192 | €37,047 | €38,046 | €44,548 | ▲ 17.1% |
| Taxes450/3 | - | - | - | €791 | €7,329 | €12,828 | €11,977 | €18,664 | ▲ 55.8% |
| Remuneration and social security454/9 | - | - | - | €17,678 | €18,863 | €24,219 | €26,069 | €25,884 | ▼ 0.7% |
| Other amounts payable47/48 | - | - | - | - | - | - | €52 | €318 | ▲ 512% |
| Accrued charges and deferred income492/3 | - | - | - | €348 | €54 | €54 | €266 | €54 | ▼ 79.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,736 | €62,267 | €91,467 | €89,637 | €103,284 | €111,192 | €130,229 | €141,488 | ▲ 8.6% |
| + Depreciation and write-downs630 | €20,420 | €22,362 | €17,241 | €19,350 | €30,075 | €41,632 | €35,839 | €25,340 | ▼ 29.3% |
| Operating cash flow (approximation) | €51,156 | €84,630 | €108,708 | €108,987 | €133,359 | €152,824 | €166,068 | €166,828 | ▲ 0.5% |
| Investment in fixed assets (approximation) | - | -€15,098 | -€10,760 | -€15,615 | -€75,620 | €0 | -€18,720 | -€51,290 | ▼ 174% |
| Change in cash | - | -€183,628 | €81,321 | -€39,451 | €21,171 | -€87,356 | €195,584 | €47,203 | ▼ 75.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 25 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 15-07-2026 | 2026-00295736 |
| 31-12-2024 | micro format | 07-07-2025 | 2025-00239838 |
| 31-12-2023 | micro format | 23-07-2024 | 2024-00273895 |
| 31-12-2022 | micro format | 27-07-2023 | 2023-00279067 |
| 31-12-2021 | micro format | 05-07-2022 | 2022-20134440 |
| 31-12-2020 | micro format | 08-07-2021 | 2021-32700223 |
| 31-12-2019 | micro format | 03-07-2020 | 2020-25700047 |
| 31-12-2018 | micro format | 04-07-2019 | 2019-28500591 |
| 31-12-2017 | micro format | 09-08-2018 | 2018-44600534 |
| 31-12-2016 | micro format | 29-06-2017 | 2017-24200456 |
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Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,209. 2,418 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 6 entries · €4,538 awarded · €4,571 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €967 | €956 |
| 2024 | 2 | €1,234 | €1,234 |
| 2023 | 1 | €201 | €293 |
| 2022 | 2 | €2,136 | €2,088 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.