DESEM
ActiveDESEM 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 €45k and a net result of €23k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 7911 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 18-05-2026, 74 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
74 d early
2024
139 d early
2023
124 d early
2022
143 d early
2021
62 d early
← 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 111%
2024 · €21k
2021: €11k
2022: €31k
2023: €41k
2024: €21k
2021 → 2025
Net result
€23k▲ 152%
2024 · €9k
2021: €6k
2022: €20k
2023: €10k
2024: €9k
2021 → 2025
Total assets
€61k▲ 13.6%
2024 · €54k
2021: €102k
2022: €90k
2023: €82k
2024: €54k
2021 → 2025
Solvency
72.6%▲ 33.5pp
2024 · 39.2%
2021: 10.4%
2022: 34.2%
2023: 49.7%
2024: 39.2%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€31k▲ 191%€41k▲ 32.7%€21k▼ 48.2%€45k▲ 111%
Operating result€8k-€27k▲ 254%€14k▼ 47.7%€13k▼ 7.6%€32k▲ 145%
Net result€6k-€20k▲ 263%€10k▼ 50.2%€9k▼ 7.6%€23k▲ 152%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 145% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€2k▼ 93.1%
Current assets
€60k▲ 107%
Equity and liabilities €61k
Equity
€45k▲ 111%
Debt
€17k▼ 48.9%
The debt ratio falls from 60.8% to 27.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
72.6%▲
2024 · 39.2%
ROE
52.5%▲
2024 · 43.9%
ROA
38.1%▲
2024 · 17.2%
Debt
€17k▼
2024 · €33k
Debt ≤ 1 year
€17k▼
2024 · €25k
Debt > 1 year
€0▼
2024 · €8k
Income taxes
€7k▲
2024 · €3k
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€54k€61k▲
Fixed assets21/28€25k€2k▼
Tangible fixed assets22/27€25k€2k▼
Furniture and vehicles24€356€2k▲
Leasing and similar rights25€25k€0▼
Current assets29/58€29k€60k▲
Amounts receivable within one year40/41€8k€40k▲
Trade receivables40€0€12k▲
Other amounts receivable41€8k€28k▲
Cash at bank and in hand54/58€19k€18k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€54k€61k▲
Equity10/15€21k€45k▲
Contributions10/11€5k€5k=
Reserves13€16k€40k▲
Distributable reserves133€16k€40k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€33k€17k▼
Amounts payable after more than one year17€8k€0▼
Financial debts170/4€8k€0▼
Amounts payable within one year42/48€25k€17k▼
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€9k€6k▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€358▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€29k€36k▲
Operating profit (loss)9901€13k€32k▲
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€469€2k▲
Recurring financial charges65€469€2k▲
Profit (loss) for the period before taxes9903€13k€31k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€9k€23k▲
Profit (loss) for the period to be appropriated9905€9k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€23k▲
Transfer from equity791/2€20k€0▼
Transfer to equity691/2€303€23k▲
To other reserves6921€303€23k▲
Profit to be distributed694/7€29k€0▼
Return on contributions (dividend)694€29k€0▼
The notes to these accounts (10 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
31-07
State Gazette act
General meeting · Director appointment
Permanent representative
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €23k ▲152%
Operating result €32k, net result €23k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.55
Current ratio from 1.14 to 3.55; short-term debt falls from €25k to €17k.
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Middelkerke · 1 establishment unit since 2021
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.
Westendelaan 1608430 MiddelkerkeGround area
959 m²
Building footprint
186 m²
Volume, LiDAR
770 m³
Parcel 35323D0495/00E000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DESEM
since 20212.320.477.055
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35323D0495/00E000 | Flanders | 958 m² | 1 · 186 m² | 6.8 m · 1 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.
Structure & network
Ownership & control
1 partyDESEMBE 0772.394.568
controls
Where this company holds controlthis company sits on their board1
14 locations
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Of 24,642 companies in sector 64210 we hold annual accounts for 19,692. 10,012 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.