Desem & C° Holding

Active

Private limited companyfounded 20233 yrs activeSint-Pietersnieuwstraat 11, 9000 Gent, BelgiumKBO/BCE: BE 0805.074.264

Summary

Desem & C° Holding has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €523,532 and a net result of €4,528. Its solvency ranks better than 65% of 36981 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch Report Compare

Desem & C° HoldingActiveChecked score 83/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€747,234total assets 2025

Equity: €523,532
Profit: €4,528

Turnover not published (abridged schema)

Financial health

83 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Largest shareholder: Ventureprise · 13.56%

Accounts filed 39 d late0 of 3 deeds read

Why 83- 1 change of registered office in 24 months- Latest accounts 39 days late; 2 of the last 3 late+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €747,234Show the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Better than 50% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 95+31

equity 70.1% of total assets

Liquidity 40-10

short-term debt 29.9% · cash 2.4%

Profitability 39+9

return on assets 0.6%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,599 companies)

Last 24 months 11-2024: 0.4%lowest value 12-2024: 0.4%▲ +1.6% vs 11-2024 01-2025: 0.4%▲ +2.4% vs 12-2024 02-2025: 0.4%▲ +11.4% vs 01-2025 03-2025: 0.4%● 0.0% vs 02-2025 04-2025: 0.5%▲ +15.3% vs 03-2025 05-2025: 0.5%▲ +6.2% vs 04-2025 06-2025: 0.9%▲ +75.6% vs 05-2025 07-2025: 1.0%▲ +9.0% vs 06-2025 08-2025: 1.0%▲ +3.7% vs 07-2025 09-2025: 1.0%● 0.0% vs 08-2025 10-2025: 1.8%▲ +70.4% vs 09-2025 11-2025: 1.8%● 0.0% vs 10-2025 12-2025: 1.8%● 0.0% vs 11-2025 01-2026: 1.8%● 0.0% vs 12-2025 02-2026: 1.8%● 0.0% vs 01-2026 03-2026: 1.8%● 0.0% vs 02-2026 04-2026: 1.7%▼ -2.1% vs 03-2026 05-2026: 1.6%▼ -5.9% vs 04-2026 06-2026: 1.6%▼ -1.5% vs 05-2026 07-2026: 1.6%▼ -1.2% vs 06-2026 08-2026: 2.1%▲ +33.9% vs 07-2026 09-2026: 2.8%▲ +30.9% vs 08-2026highest value 10-2026: 0.5%▼ -83.5% vs 09-2026

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
1 change of registered office in 24 months raises the probability
Size: total assets €747,234 lowers the probability for this profile
Latest accounts 39 days late; 2 of the last 3 late raises the probability

Credit up to €40,000 at 30 days acceptable

Liquidity tight (current ratio 1.05 against 0.16 in 2024; short-term debt: 29.9% and cash: 2.4% of total assets), and 29.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 65%, liquidity 20%, profitability 19%, growth against the median 96%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Size: total assets €747,234

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts 39 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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 · 2 filings

Deviation from the deadline

2025

39 d late

2024

61 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 50 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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

03-10-2026 today31-12-2026 close31-07-2027 deadline

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

08-09-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Back to profitnet €4,528
31-12-25 Liquidity times 6current ratio 1.05

Key points

Positive: Equity rose in 2025from €144,004 to €523,532 ▲ 264% View
Positive: Among the best 11% on equitysector median €79,901 · 37,012 companies €523,532 View
Total assets 20252 fiscal years filed €747,234 View