Desegher
ActiveThe computed 12-month bankruptcy probability of Desegher is 1.5% (moderate). The 2025 annual accounts show equity of €24k and a net result of €19k. Its solvency ranks better than 17% of 27386 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency9
Growth-
Stability67
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.43), and 86.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
13.8%
Return on assets
11%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27386 sector peers (2025).
NBB · sector comparisonPosition among 27386 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€24k
Total assets
€177k
Net result
€19k
Working capital
€-64k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €177k
Fixed assets
€129k
Current assets
€48k
Equity and liabilities €177k
Equity
€24k
Debt
€152k
Debt finances 86.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€42k
Cash flow
€36k
Solvency
13.8%
Current ratio
0.43
Quick ratio
0.35
Debt / equity
6.25
ROE
79.5%
ROA
11.0%
Interest coverage
21.97
Debt
€152k
Debt ≤ 1 year
€112k
Debt > 1 year
€41k
Income taxes
€5k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€177k
Fixed assets21/28€129k
Tangible fixed assets22/27€129k
Plant, machinery and equipment23€21k
Furniture and vehicles24€108k
Current assets29/58€48k
Stocks and contracts in progress3€9k
Stocks30/36€9k
Amounts receivable within one year40/41€27k
Trade receivables40€23k
Other amounts receivable41€3k
Cash at bank and in hand54/58€8k
Deferred charges and accrued income490/1€5k
Equity and liabilities
Total equity and liabilities10/49€177k
Equity10/15€24k
Contributions10/11€5k
Reserves13€19k
Distributable reserves133€19k
Amounts payable17/49€152k
Amounts payable after more than one year17€41k
Financial debts170/4€41k
Amounts payable within one year42/48€112k
Current portion of amounts payable after more than one year42€12k
Trade debts44€25k
Suppliers440/4€25k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Other amounts payable47/48€69k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k
Other operating charges640/8€1k
Gross operating margin9900€43k
Operating profit (loss)9901€25k
Financial income75/76B€664
Recurring financial income75€664
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€24k
Income taxes67/77€5k
Profit (loss) for the period9904€19k
Profit (loss) for the period to be appropriated9905€19k
Appropriation of the result
Profit (loss) to be appropriated9906€19k
Transfer to equity691/2€19k
To other reserves6921€19k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Ieper · 1 establishment unit since 2024
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.
Kattestraat 158900 IeperGround area
879 m²
Building footprint
130 m²
Volume, LiDAR
792 m³
Parcel 33306A0411/00F011, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Desegher
since 20242.369.802.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33306A0411/00F011 | Flanders | 879 m² | 1 · 130 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
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BE 0820.763.124
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NEW HOME PERFECT
BE 0730.811.658
La Louvière · Eq €24k
VyDec services
BE 0716.816.043
Tournai · Eq €24k
HWR
BE 0779.952.452
Mouscron · Eq €24k
Of 22,728 companies in sector 43211 we hold annual accounts for 10,271. 7,577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2024
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.