Summary
DREMAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €887,408 and a net result of €197,467. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 9872 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
37 d early
2022
32 d early
2021
28 d early
2020
7 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 24 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€887,408▲ 8.5%
2023 · €817,594
Net result
€197,467▲ 12.8%
2023 · €175,072
Total assets
€1.5m▲ 5.2%
2023 · €1.5m
Solvency
58.2%▲ 1.8pp
2023 · 56.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€151,679▼ 14.0%€155,346▲ 2.4%€225,746▲ 45.3%€270,271▲ 19.7%€309,077▲ 14.4%
Net result€87,436above the sector's middle half▼ 31.6%€107,575above the sector's middle half▲ 23.0%€148,121above the sector's middle half▲ 37.7%€175,072above the sector's middle half▲ 18.2%€197,467above the sector's middle half▲ 12.8%
Equity€582,943above the sector's middle half▲ 17.6%€564,509above the sector's middle half▼ 3.2%€642,522above the sector's middle half▲ 13.8%€817,594above the sector's middle half▲ 27.2%€887,408above the sector's middle half▲ 8.5%
Total assets€873,877within the sector's middle half▲ 3.5%€1.3mabove the sector's middle half▲ 45.7%€1.4mabove the sector's middle half▲ 7.3%€1.5mabove the sector's middle half▲ 6.1%€1.5mabove the sector's middle half▲ 5.2%
Debt€290,934▼ 16.6%€709,016▲ 144%€724,419▲ 2.2%€633,292▼ 12.6%€638,606▲ 0.8%
Working capital€203,977above the sector's middle half▲ 61.8%€50,663within the sector's middle half▼ 75.2%€59,826within the sector's middle half▲ 18.1%€217,020above the sector's middle half▲ 263%€290,768above the sector's middle half▲ 34.0%
Solvency66.7%within the sector's middle half▲ 8.0pp44.3%within the sector's middle half▼ 22.4pp47.0%within the sector's middle half▲ 2.7pp56.4%within the sector's middle half▲ 9.3pp58.2%within the sector's middle half▲ 1.8pp
Current ratio2.24within the sector's middle half▲ 0.581.14within the sector's middle half▼ 1.101.14within the sector's middle half=1.56within the sector's middle half▲ 0.421.68within the sector's middle half▲ 0.12
Return on assets (ROA)10.0%within the sector's middle half▼ 5.1pp8.4%within the sector's middle half▼ 1.6pp10.8%within the sector's middle half▲ 2.4pp12.1%within the sector's middle half▲ 1.2pp12.9%within the sector's middle half▲ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 14% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.5m
Fixed assets
€806,376 ▼ 4.9%
Current assets
€719,639 ▲ 19.3%
Equity and liabilities €1.5m
Equity
€887,408 ▲ 8.5%
Debt
€638,606 ▲ 0.8%
Debt's share of the balance-sheet total falls from 43.6% to 41.8%. Equity and debt are higher.
Key figures and ratios
ROE
22.3%▲
2023 · 21.4%
Debt ≤ 1 year
€428,870▲
2023 · €386,018
Debt > 1 year
€189,180▼
2023 · €231,581
Income taxes
€86,746▲
2023 · €74,560
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,719 | €27,486 | €37,687 | €41,180 | €41,473 | ▲ 0.7% |
| Other operating charges640/8 | - | €45,670 | €8,079 | €6,589 | €7,395 | ▲ 12.2% |
| Gross operating margin9900 | €183,360 | €228,502 | €271,511 | €318,040 | €357,944 | ▲ 12.5% |
| Operating profit (loss)9901 | €151,679 | €155,346 | €225,746 | €270,271 | €309,077 | ▲ 14.4% |
| Financial income75/76B | - | €91 | - | €479 | €1,412 | ▲ 195% |
| Recurring financial income75 | €75 | €91 | - | €479 | €1,412 | ▲ 195% |
| Financial charges65/66B | - | €10,048 | €13,611 | €21,117 | €26,276 | ▲ 24.4% |
| Recurring financial charges65 | €6,847 | €10,048 | €13,611 | €21,117 | €26,276 | ▲ 24.4% |
| Profit (loss) for the period before taxes9903 | €144,907 | €145,388 | €212,135 | €249,632 | €284,213 | ▲ 13.9% |
| Income taxes67/77 | €57,471 | €37,813 | €64,014 | €74,560 | €86,746 | ▲ 16.3% |
| Profit (loss) for the period9904 | €87,436 | €107,575 | €148,121 | €175,072 | €197,467 | ▲ 12.8% |
| Profit (loss) for the period to be appropriated9905 | €87,436 | €107,575 | €148,121 | €175,072 | €197,467 | ▲ 12.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €873,877 | €1.3m | €1.4m | €1.5m | €1.5m | ▲ 5.2% |
| Fixed assets21/28 | €505,730 | €873,244 | €883,788 | €847,848 | €806,376 | ▼ 4.9% |
| Tangible fixed assets22/27 | €505,730 | €873,244 | €883,788 | €847,848 | €806,376 | ▼ 4.9% |
| Land and buildings22 | - | €870,005 | €871,244 | €833,973 | €796,702 | ▼ 4.5% |
| Plant, machinery and equipment23 | - | - | - | €9,390 | €6,237 | ▼ 33.6% |
| Furniture and vehicles24 | - | €3,239 | €12,544 | €4,485 | €3,437 | ▼ 23.4% |
| Current assets29/58 | €368,147 | €400,281 | €483,153 | €603,038 | €719,639 | ▲ 19.3% |
| Amounts receivable within one year40/41 | €223,019 | €302,785 | €342,701 | €188,881 | €289,754 | ▲ 53.4% |
| Trade receivables40 | - | €302,785 | €342,701 | €188,881 | €287,504 | ▲ 52.2% |
| Other amounts receivable41 | - | - | - | - | €2,250 | - |
| Cash at bank and in hand54/58 | €145,128 | €97,495 | €140,452 | €414,157 | €429,885 | ▲ 3.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €873,877 | €1.3m | €1.4m | €1.5m | €1.5m | ▲ 5.2% |
| Equity10/15 | €582,943 | €564,509 | €642,522 | €817,594 | €887,408 | ▲ 8.5% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €576,566 | €558,132 | €636,145 | €811,217 | €881,031 | ▲ 8.6% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €556,272 | €634,285 | €809,357 | €879,171 | ▲ 8.6% |
| Profit (loss) carried forward14 | €177 | €177 | €177 | €177 | €177 | = |
| Amounts payable17/49 | €290,934 | €709,016 | €724,419 | €633,292 | €638,606 | ▲ 0.8% |
| Amounts payable after more than one year17 | €124,643 | €355,017 | €291,822 | €231,581 | €189,180 | ▼ 18.3% |
| Financial debts170/4 | - | €355,017 | €291,822 | €231,581 | €189,180 | ▼ 18.3% |
| Amounts payable within one year42/48 | €164,170 | €349,617 | €423,327 | €386,018 | €428,870 | ▲ 11.1% |
| Current portion of amounts payable after more than one year42 | - | €64,876 | €63,195 | €60,240 | €42,402 | ▼ 29.6% |
| Trade debts44 | €3,734 | €72,689 | €65,354 | €28,540 | €3,375 | ▼ 88.2% |
| Suppliers440/4 | - | €72,689 | €65,354 | €28,540 | €3,375 | ▼ 88.2% |
| Taxes, remuneration and social security45 | - | €47,421 | €64,018 | €66,558 | €33,094 | ▼ 50.3% |
| Taxes450/3 | - | €47,421 | €64,018 | €66,558 | €33,094 | ▼ 50.3% |
| Other amounts payable47/48 | - | €164,632 | €230,760 | €230,680 | €350,000 | ▲ 51.7% |
| Accrued charges and deferred income492/3 | - | €4,382 | €9,271 | €15,692 | €20,556 | ▲ 31.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €87,436 | €107,575 | €148,121 | €175,072 | €197,467 | ▲ 12.8% |
| + Depreciation and write-downs630 | €26,719 | €27,486 | €37,687 | €41,180 | €41,473 | ▲ 0.7% |
| Operating cash flow (approximation) | €114,155 | €135,060 | €185,808 | €216,252 | €238,939 | ▲ 10.5% |
| Investment in fixed assets (approximation) | - | -€395,000 | -€48,230 | -€5,240 | €0 | ▲ 100% |
| Change in cash | - | -€47,633 | €42,957 | €273,704 | €15,728 | ▼ 94.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €197,467 ▲12.8%
Operating result €309,077, net result €197,467, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €87,436 ▼31.6%
Net result drops to €87,436, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500,000Eq €582,943 ▲17.6%
3 profitable years in a row build equity to €582,943.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
02-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 215 days late
2018
07-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Ledegem · 1 establishment unit since 2008
Ground area
1,825 m²
Building footprint
648 m²
Volume, LiDAR
4,145 m³
Parcel 36018B0873/00M000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DREMAL BVBA
since 20082.170.418.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36018B0873/00M000 | Flanders | 1,825 m² | 1 · 648 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 12,956 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.