Equity
€6.3m ▼ 2.9%
Desim paid out €42,179 in dividends in a year with a loss of €145,436.
Desim
Lifetime
20 annual accounts with figures on one time axis, 46 filings since 1980peak €3.3m (2024)
€3.0m▼ 9.8%
lowest -€673,374 (2009)
-€145,436▼ €363,842
peak €7.1m (2015)
€6.3m▼ 2.9%
€15.7m▲ 15.2%
peak 13.4 FTE (2018)
0 FTE
Board3 names since 2020
2 directorsJef Leys and 1 other
Owners
100%GROEP LEYS
Documentsfilings and deeds
10-07-202621 days before the deadline
2025financial year
Loss of €145,436Dividend €42,179Debts from €13.6m to €15.7mInvestments €4.0mCash from €489,204 to €68,374
Key points
from the 2025 annual accountsResult
-€145,436 -€145,436
From profit to loss in 2025, after a profit of €218,406 in 2024.
Turnover
≈ €3.0m estimated
The accounts state no turnover.
Investments
€4.0m 2.0 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 10.4% higher than in 2024.
Filings
46 annual accounts since 1980
Four of the last ten came late. The 2019 accounts came latest: 92 days after the end of the period.
Position in the sector
-€145,436
Lower net result than 85% of companies in real estate. Sector median €20,526 · 5,817 companies.
Checked score
94
Excellent
Financially stronger than 49% of medium-sized companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 1,721 companies (NACE 68, medium-sized).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.6%▲ +0.1 percentage points vs 06-2025highest value
08-2025: < 0.1%▼ -0.6 percentage points vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 0.20, cash €68,374, halved
lowers risk
Size: total assets €22.6m
Founded in 1979
Figures for financial year 2025 (filed on 10-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, medium-sized). It does better than 50% of them on solvency, 46% on liquidity, 69% on profitability and 31% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 371 companies had the same profile as Desim has now. Each dot is one company, two years later.
97.3%
were still trading
2.2%
stopped another way
0.5%
went bankrupt
That fits the bankruptcy probability of Desim itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 371 companies, not a prediction for Desim. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €550,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.2 (0.25 in 2024), below 1. Short-term debt is 10.9% and cash 0.3% of total assets. 72.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 days early
2024
22 days early
2023
6 days early
2022
on the day
2021
40 days late
2020
9 days late
2019
92 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- GROEP LEYS 100%score 85equity €44.4m (2025) · 2025 annual accounts of GROEP LEYS
Recent changes
Environmental permit granted
Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden · Hoogstraten
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0420007228
Environmental permit granted
Verbouwen en/of uitbreiden met functiewijziging, maar zonder wijziging van het aantal woongelegenheden · Antwerpen
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as Desim: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €14m and €29m, founded between 1975 and 1989.
Official details
Source: KBO- Status
- Active since 26-11-1979Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Joint committee
- 323Building management, estate agents and domestic staff · annual accounts 2025
- Establishment unit
- 2.017.093.8182100 Antwerp, since 20-12-1999
- Financial year end
- 31 December
- Peppol
- Reachable since 04-04-2025
Annual accounts 2025
- €22.6m▲ 8.7%
- Filing
- Filed on 10-07-2026, 21 days before the end of the filing period
Insights on Desim
Desim has existed since 1979. The present size dates from 2017. The gross margin rose that year from €653,040 to €2.1m.
GROEP LEYS holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Desim
- What is the company number of Desim?
- The company number of Desim is 0420.007.228. The VAT number is the same number with BE in front: BE 0420.007.228.
- Where is Desim based?
- The registered office is at Bisschoppenhoflaan 535, 2100 Antwerp.Company details
- What does Desim do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of Desim?
- Desim is a public limited company (NV).
- When was Desim founded?
- Desim was founded on 26-11-1979.
- Is Desim still active?
- Yes, Desim is an active enterprise in the KBO register.
- How many employees does Desim have?
- Desim had an average of 11.6 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does Desim fall under?
- In its 2025 annual accounts, Desim states joint committee 323 (Building management, estate agents and domestic staff).
- What is the turnover of Desim?
- The turnover in financial year 2025 is ≈ €3.0m. This figure is estimated from the gross margin of €3.0m and 31 comparable companies (NACE 68201). It probably lies between €2.8m and €3.4m.
- Is Desim profitable?
- In financial year 2025, Desim made a loss of €145,436.
- Where can I find the annual accounts of Desim?
- Desim filed 46 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Desim due?
- Desim must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.