IMMO DERVEAUX
ActiveIMMO DERVEAUX has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €326k and a net result of €44k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 44% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55=
Solvency47▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.19 against 0.36 in 2024; short-term debt: 18.5% and cash: 1% of total assets), and 77.5% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
22.5%
Return on assets
3.1%
Age of the figures
16 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 22-12-2025, 9 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
9 d early
2024
8 d early
2023
4 d late
2022
11 d early
2021
12 d late
2020
4 d late
2019
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close21-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€326k▲ 15.8%
2024 · €281k
2019: €166k
2020: €218k
2021: €305k
2022: €256k
2023: €303k
2024: €281k
2019 → 2025
Total assets
€1.45M▼ 2.5%
2024 · €1.49M
2019: €609k
2020: €887k
2021: €818k
2022: €734k
2023: €834k
2024: €1.49M
2019 → 2025
Net result
€44k
2024 · €-22k
2019: €73k
2020: €78k
2021: €86k
2022: €26k
2023: €122k
2024: €-22k
2019 → 2025
Working capital
€-216k▼ 16.3%
2024 · €-186k
2019: €10k
2020: €60k
2021: €49k
2022: €-22k
2023: €-19k
2024: €-186k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€305k-€256k▼ 16.0%€303k▲ 18.4%€281k▼ 7.1%€326k▲ 15.8%
Operating result€125k-€57k▼ 54.6%€155k▲ 172%€8k▼ 94.9%€97k▲ 1,129%
Net result€86k-€26k▼ 69.5%€122k▲ 363%€-22k€44k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,129% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€1.40M▲ 1.2%
Current assets
€51k▼ 51.2%
Equity and liabilities €1.45M
Equity
€326k▲ 15.8%
Debt
€1.12M▼ 6.8%
The debt ratio falls from 81.1% to 77.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€157k▲
2024 · €141k
Cash flow
€105k▼
2024 · €112k
Solvency
22.5%▲
2024 · 18.9%
Current ratio
0.19▼
2024 · 0.36
Quick ratio
0.19▼
2024 · 0.36
Debt / equity
3.45▼
2024 · 4.28
ROE
13.6%▲
2024 · -7.7%
ROA
3.1%▲
2024 · -1.5%
Interest coverage
3.90▼
2024 · 4.55
Debt
€1.12M▼
2024 · €1.20M
Debt ≤ 1 year
€267k▼
2024 · €291k
Debt > 1 year
€855k▼
2024 · €907k
Income taxes
€12k▲
2024 · €264
Staff costs
€51k▲
2024 · €50k
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€1.49M€1.45M▼
Fixed assets21/28€1.38M€1.40M▲
Tangible fixed assets22/27€1.38M€1.40M▲
Land and buildings22€1.34M€1.38M▲
Furniture and vehicles24€38k€17k▼
Financial fixed assets28€50€50=
Current assets29/58€105k€51k▼
Amounts receivable within one year40/41€25k€33k▲
Trade receivables40€24k€33k▲
Other amounts receivable41€448€138▼
Cash at bank and in hand54/58€76k€14k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.45M▼
Equity10/15€281k€326k▲
Contributions10/11€62k€62k=
Reserves13€105k€149k▲
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€99k€143k▲
Profit (loss) carried forward14€114k€114k=
Amounts payable17/49€1.20M€1.12M▼
Amounts payable after more than one year17€907k€855k▼
Financial debts170/4€907k€855k▼
Amounts payable within one year42/48€291k€267k▼
Current portion of amounts payable after more than one year42€82k€104k▲
Financial debts43-€26k
Credit institutions430/8-€26k
Trade debts44€120k€61k▼
Suppliers440/4€120k€61k▼
Advances received on contracts in progress46€250-
Taxes, remuneration and social security45€38k€32k▼
Taxes450/3€36k€30k▼
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€50k€44k▼
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Non-recurring operating income76A€10k€7k▼
Remuneration, social security and pensions62€50k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€133k€61k▼
Other operating charges640/8€8k€7k▼
Non-recurring operating charges66A-€10k
Gross operating margin9900€198k€226k▲
Operating profit (loss)9901€8k€97k▲
Financial income75/76B€2k€187▼
Recurring financial income75€2k€187▼
Financial charges65/66B€31k€40k▲
Recurring financial charges65€31k€40k▲
Profit (loss) for the period before taxes9903€-21k€57k▲
Income taxes67/77€264€12k▲
Profit (loss) for the period9904€-22k€44k▲
Profit (loss) for the period to be appropriated9905€-22k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€114k€159k▲
Profit (loss) brought forward from the previous period14P€136k€114k▼
Transfer to equity691/2-€44k
To other reserves6921-€44k
The notes to these accounts (10 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-05
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-05
Financial
Weakest financial yearnet €-22k ▼118%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 4 days late
2023
31-05
Financial
Highest result since 2019net €122k ▲363%
Operating result €155k, net result €122k, both a record.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-05
Financial
Equity above €200kEq €218k ▲31.5%
2 profitable years in a row build equity to €218k.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2018
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Moorslede · 3 establishment units since 2015
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.
Keibergstraat 88890 MoorsledeGround area
3,432 m²
Building footprint
786 m²
Volume, LiDAR
4,473 m³
3 parcels, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
IMMO DAISY DERVEAUX
since 20152.238.091.490
Roeselarestraat 8, 8980 Zonnebeke
since 20182.301.517.812
Immo Derveaux
since 20252.373.440.144
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36012D0021/00E000 | Flanders | 1,543 m² | 1 · 73 m² | 5.8 m · 1 fl. |
| 36012F0060/00R000 | Flanders | 1,309 m² | 1 · 273 m² | 10.3 m · 2 fl. |
| 33037B0629/00S000 | Flanders | 579 m² | 1 · 440 m² | 11.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,838 EUR awarded · 1,759 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 448 EUR | 369 EUR |
| 2024 | 1 | 78 EUR | 78 EUR |
| 2023 | 1 | 1,215 EUR | 1,215 EUR |
| 2022 | 1 | 97 EUR | 97 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,530 companies in sector 68322 we hold annual accounts for 740. 506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2015
Fiscal year end31-05
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
18120Other printing
18130Pre-press and pre-media services
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:daisy.derveaux@telenet.be
Phone:0494693609