DETEMMERMAN
ActiveDETEMMERMAN has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €857k and a net result of €6k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 159 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-31
Solvency100=
Growth46=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 4.68 against 5.59 in 2024), and 18.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
81.8%
Return on assets
0.6%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 14
Relative position
BE, all sectors
reference
Sector 14
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
9 d early
2023
14 d late
2022
28 d late
2021
31 d late
2020
20 d late
2019
25 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€588k▼ 7.2%
2020 · €634k
2018: €583k
2019: €571k
2020: €634k
2018 → 2021
EBIT margin
12.4%▼ 18.8pp
2020 · 31.2%
2018: 25.9%
2019: 20.7%
2020: 31.2%
2018 → 2021
Net result
€6k▼ 90.4%
2024 · €60k
2018: €104k
2019: €77k
2020: €144k
2021: €61k
2022: €18k
2023: €70k
2024: €60k
2018 → 2025
Working capital
€573k▼ 10.9%
2024 · €643k
2018: €414k
2019: €486k
2020: €617k
2021: €609k
2022: €529k
2023: €571k
2024: €643k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€588k-
Equity€741k-€760k▲ 2.5%€830k▲ 9.2%€890k▲ 7.3%€857k▼ 3.7%
Operating result€73k-€22k▼ 70.3%€102k▲ 373%€97k▼ 5.0%€13k▼ 86.7%
Net result€61k-€18k▼ 69.8%€70k▲ 278%€60k▼ 13.6%€6k▼ 90.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 87% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€318k▲ 2.4%
Current assets
€729k▼ 6.9%
Equity and liabilities €1.05M
Equity
€857k▼ 3.7%
Debt
€190k▼ 6.6%
The debt ratio falls from 18.6% to 18.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€55k▼
2024 · €136k
Cash flow
€48k▼
2024 · €99k
Solvency
81.8%▲
2024 · 81.4%
Current ratio
4.68▼
2024 · 5.59
Quick ratio
4.58▼
2024 · 5.47
Debt / equity
0.22▼
2024 · 0.23
ROE
0.7%▼
2024 · 6.8%
ROA
0.6%▼
2024 · 5.5%
Interest coverage
31.07▼
2024 · 56.36
Debt
€190k▼
2024 · €203k
Debt ≤ 1 year
€156k▲
2024 · €140k
Debt > 1 year
€34k▼
2024 · €63k
Income taxes
€5k▼
2024 · €35k
Staff costs
€189k▲
2024 · €168k
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€1.09M€1.05M▼
Fixed assets21/28€310k€318k▲
Tangible fixed assets22/27€310k€317k▲
Land and buildings22€210k€198k▼
Plant, machinery and equipment23€73k€86k▲
Furniture and vehicles24€25k€32k▲
Other tangible fixed assets26€1k€748▼
Financial fixed assets28€460€460=
Current assets29/58€783k€729k▼
Stocks and contracts in progress3€17k€16k▼
Stocks30/36€17k€16k▼
Amounts receivable within one year40/41€148k€118k▼
Trade receivables40€148k€118k▼
Other amounts receivable41-€377
Current investments50/53€205k€205k=
Cash at bank and in hand54/58€413k€389k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.05M▼
Equity10/15€890k€857k▼
Contributions10/11€28k€28k=
Reserves13€240k€204k▼
Distributable reserves133€240k€204k▼
Profit (loss) carried forward14€623k€625k▲
Amounts payable17/49€203k€190k▼
Amounts payable after more than one year17€63k€34k▼
Financial debts170/4€63k€34k▼
Amounts payable within one year42/48€140k€156k▲
Current portion of amounts payable after more than one year42€29k€29k▲
Trade debts44€34k€44k▲
Suppliers440/4€34k€44k▲
Taxes, remuneration and social security45€66k€44k▼
Taxes450/3€47k€24k▼
Remuneration and social security454/9€18k€20k▲
Other amounts payable47/48€12k€39k▲
Income statement
Code20242025
Remuneration, social security and pensions62€168k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€42k▲
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A€113-
Gross operating margin9900€308k€249k▼
Operating profit (loss)9901€97k€13k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€95k€11k▼
Income taxes67/77€35k€5k▼
Profit (loss) for the period9904€60k€6k▼
Profit (loss) for the period to be appropriated9905€60k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€673k€628k▼
Profit (loss) brought forward from the previous period14P€612k€623k▲
Transfer from equity791/2-€39k
Transfer to equity691/2€50k€3k▼
To other reserves6921€50k€3k▼
Profit to be distributed694/7-€39k
Return on contributions (dividend)694-€39k
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €6k ▼90.4%
Net result drops to €6k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Highest result since 2018net €144k ▲86.4%
Operating result €198k, net result €144k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Equity above €500kEq €536k ▲16.8%
2 profitable years in a row build equity to €536k.
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 47 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
Financial milestoneNBB 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, Leuze-en-Hainaut · 1 establishment unit since 1987
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.
Boulevard Paul-Henri Spaak(L) 12a7900 Leuze-en-HainautGround area
1,813 m²
Building footprint
558 m²
Volume, LiDAR
2,612 m³
Parcel 57048A0207/00R002, Wallonia · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boulevard Paul-Henri Spaak(L) 12, 7900 Leuze-en-Hainaut
since 19872.031.856.624
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57048A0207/00R002 | Wallonia | 1,813 m² | 1 · 558 m² | 5.8 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
Arzoni
BE 0400.539.724
Gent · Eq €901k
Keiberg
BE 0446.883.750
Diest · Eq €933k
MASLOV
BE 0432.745.407
Kortrijk · Eq €784k
TRICO - FRANCOIS
BE 0417.249.557
Leuze-en-Hainaut · Eq €941k
S.V.G.
BE 0421.357.904
Asse · Eq €944k
Of 1,092 companies in sector 14210 we hold annual accounts for 211. 112 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1987
Fiscal year end31-12
Activities, NACEBEL
14130Manufacture of wearing apparel
14210Manufacture of outerwear
18221
74120Graphic design and visual communication
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
51421
52421
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress 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.