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Age2 yrs
Real estate2 parcels · 421 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Desem & C° Holding is 0.5% (low). The 2024 annual accounts show equity of €144k and a net result of €-11k. Its solvency ranks better than 31% of 12464 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.5%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 30-09-2025 | 61 d late | 2025-00516663 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-11k
Working capital€-33k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 39.1% | 60.6% | |
| Net result | €-11k | €31k | |
| Equity | €144k | €63k | |
| Gross operating margin | €-8k | €52k | |
| Total assets | €368k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-11k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €368k |
| Equity | €144k |
| Debt | €224k |
| of which ≤ 1y | €40k |
| of which > 1y | €184k |
| Working capital | €-33k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.16 |
| Quick ratio | 0.16 |
| Working capital ratio | -9.1% |
| Solvency | 39.1% |
| Debt / equity | 1.56 |
| Long-term debt ratio | 1.28 |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -3.0% |
| ROE | -7.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €368k |
| Fixed assets | 21/28 | €362k |
| Financial fixed assets | 28 | €362k |
| Current assets | 29/58 | €7k |
| Amounts receivable within one year | 40/41 | €1k |
| Cash & bank | 54/58 | €1k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €368k |
| Equity | 10/15 | €144k |
| Contributions / capital | 10/11 | €155k |
| Accumulated profits (losses) | 14 | €-11k |
| Amounts payable | 17/49 | €224k |
| Amounts payable after one year | 17 | €184k |
| Amounts payable within one year | 42/48 | €40k |
| Trade debts payable within one year | 44 | €804 |
| Income statement | ||
| Gross operating margin | 9900 | €-8k |
| Operating result | 9901 | €-14k |
| Financial income | 75 | €14k |
| Financial charges | 65 | €11k |
| Result before taxes | 9903 | €-11k |
| Net result for the period | 9904 | €-11k |
| Result to be appropriated | 9905 | €-11k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed28
/ 100
Weak
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationDesem & C° Holding
since 20232.349.205.188
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area421 m²
Buildings2
Building footprint353 m²
Volume (LiDAR)4,949 m³
Tallest building20.2 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0287/00N000 | Flanders | 359 m² | 1 · 282 m² | 20.2 m · 5 fl. |
| 44038A0825/00N003 | Flanders | 62 m² | 1 · 71 m² | 9.7 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Capital history · 2
26-05-2025
Capital change
22-07-2024
Capital change
All acts · 2
updated 1 year ago
2025
26-05-2025 Capital increase of €375,000 to €375,000
- €0 → €375.000
- Inbreng in geld · Apport en numéraire
Notary:
Lieven Demolder · Eeklo
2024
22-07-2024 Capital increase of €75,000 to €75,000
- €0 → €75.000
- Inbreng in geld · Apport en numéraire
Notary:
Lieven Demolder · Eeklo
Analysis
Snowflake analysis
financial profile on 5 axes36
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
28
Profitability
0
Solvency
49
Growth
-
Stability
67
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Credit advice
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We hold annual accounts for 15,318 of the 81,985 companies in this sector. 12,180 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199
Primary activity highlighted.
Names & trade names
| Legal nameNL | Desem & C° Holding |
Registered office
Sint-Pietersnieuwstraat 11
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.