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Generated 13-08-2026
Active BE 0465.254.461Partnership limited by shares

GROUPE DEMAN

Waverse steenweg 1183 ·1160 Oudergem, Belgium· 27 yrs active
Sector: Activiteiten van holdings (64210)
Conclusion Checked

GROUPE DEMAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show equity of €4.49M and a net result of €-216k. Equity remains stable across the filed fiscal years (±0.3% per year). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €4.49M
Net result €-216k
Staff (FTE) 2.6
Active 27 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health-Profitability33Solvency79Growth52Stability100
66 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 33
Solvency 79
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1999, 27 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
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.
Health barometer
Model not applicable to financial institutions
The health 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.
Financial overview10 NBB filings
Annual accounts filed on 30-09-2024 with the NBB · fiscal year 2023 · volledig
€-250k€0€250k€500kRevenue 2019: €0€0Operating result 2019: €152k€152kNet result 2019: €603k€603kRevenue 2020: €0€0Operating result 2020: €105k€105kNet result 2020: €506k€506kRevenue 2021: €0€0Operating result 2021: €127k€127kNet result 2021: €-71k€-71kRevenue 2022: €0€0Operating result 2022: €82k€82kNet result 2022: €505k€505kRevenue 2023: €183k€183kOperating result 2023: €-21k€-21kNet result 2023: €-216k€-216k20192020202120222023
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 6 fiscal years (±0.3%/year).
€4.00M€4.20M€4.40M€4.60M€4.80M2024: €4.47M (€4.11M - €4.83M)2025: €4.49M (€4.13M - €4.85M)2026: €4.50M (€4.14M - €4.86M)2018: €4.42M2019: €4.37M2020: €4.27M2021: €4.20M2022: €4.71M2023: €4.49M201820192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Net profit
€-216k
- 18-23
Total assets
€9.97M
+1.5% 18-23
Equity
€4.49M
-4.6% 18-23
Employees (FTE)
3
-25.7% 18-23
Staff costs
€159k
-16.0% 18-23
Income taxes
€240
-22.3% 18-23
Debt
€5.33M
+7.6% 18-23
Debt ≤ 1y
€757k
+29.1% 18-23
Debt > 1y
€3.55M
0.0% 18-23
Solvency
45.0%
-6.0% 18-23
ROE
-4.8%
- 18-23
ROA
-2.2%
- 18-23
Figures by fiscal year
Fiscal year2023
Depositvolledig
Revenuen/a
EBITDAn/a
Net profit€-216k
Cash flown/a
Staff costs€159k
Income taxes€240
Dividends-
Total assets€9.97M
Equity€4.49M
Debt€5.33M
of which ≤ 1y€757k
of which > 1y€3.55M
Working capitaln/a
Employees (FTE)2.6
Ratios (computed)
2023
Current ration/a
Quick ration/a
Working capital ration/a
Solvency45.0%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-2.2%
ROE-4.8%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€9.97M
Fixed assets 21/28€8.82M
Formation expenses 20€0
Tangible fixed assets 22/27€1.14M
Financial fixed assets 28€7.68M
Current assets 29/58€1.15M
Amounts receivable within one year 40/41€1.08M
Investments 50/53€49k
Cash & bank 54/58€20k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9.97M
Equity 10/15€4.49M
Contributions / capital 10/11€3.73M
Reserves 13€494k
Accumulated profits (losses) 14€271k
Provisions & deferred taxes 16€151k
Amounts payable 17/49€5.33M
Amounts payable after one year 17€3.55M
Amounts payable within one year 42/48€757k
Trade debts payable within one year 44€20k
Income statement
Turnover 70€183k
Gross operating margin 9900€254k
Operating result 9901€-21k
Financial income 75€1k
Financial charges 65€205k
Result before taxes 9903€-224k
Income taxes 67/77€240
Net result for the period 9904€-216k
Result to be appropriated 9905€-192k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 4 directors
Directors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (25090891). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • Bernard Deman
    Director
    State Gazette act 25090891 (18-07-2025)
    Current
    18-07-2025 → present
  • Carine Tummers
    Director
    State Gazette act 25090891 (18-07-2025)
    Current
    18-07-2025 → present
  • Cédric Deman
    Director
    State Gazette act 25090891 (18-07-2025)
    Current
    18-07-2025 → present
    2 events
    • 18-07-2025 Appointed· Director
    • 18-07-2025 Appointed· Managing director
  • Michel Deman
    Director (executive)
    State Gazette act 25090891 (18-07-2025)
    Current
    18-07-2025 → present
    2 events
    • 18-07-2025 Resigned· Director
    • 18-07-2025 Appointed· Director (executive)
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van holdings(64210)
Legal form Partnership limited by shares(013)
Incorporation14-01-1999
StatusActive
Postal code1160
Establishment units 1 location
Waverse steenweg 1183, 1160 Oudergem
Detailhandel in motorvoertuigen
since 20022.233.818.839
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21002A0193/00T002 Brussels 2,333 m² 1 · 1,530 m² 15.3 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
18-07-2025
State Gazette act Director changes
2024
30-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
29-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
08-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
31-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
29-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
30-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
20-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
30-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
31-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
13-08-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
18-07-2025 5 directors appointed, 1 resigning Director changes
  • Bernard Deman, Bestuurder
  • Carine Tummers, Bestuurder
  • Cédric Deman, Bestuurder
  • Cédric Deman, Gedelegeerd bestuurder
  • Michel Deman, Directeur
  • Michel DEMAN, Bestuurder
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
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Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142Managementactiviteiten van holdings74151
Primary activity highlighted.
Names & trade names
Legal nameFR GROUPE DEMAN
Registered office
Waverse steenweg 1183
1160 Oudergem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative