Maeva DEREME
ActiveSummary
The computed 12-month bankruptcy probability of Maeva DEREME is 2.5% (moderate). The 2025 annual accounts show equity of €150k and a net result of €50k. Equity is growing by ~52.3% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 2.41 in 2024; short-term debt: 22.9% and cash: 87.4% of total assets), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
77.1%
Return on assets
25.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 4 filingsDeviation from the deadline
2025
20 d late
2024
20 d late
2023
41 d early
2022
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€150k▲ 50.5%
2024 · €100k
2022: €41k
2023: €68k
2024: €100k
2022 → 2025
Total assets
€195k▲ 31.6%
2024 · €148k
2022: €106k
2023: €118k
2024: €148k
2022 → 2025
Net result
€50k▼ 2.7%
2024 · €52k
2022: €36k
2023: €27k
2024: €52k
2022 → 2025
Working capital
€126k▲ 84.8%
2024 · €68k
2022: €85k
2023: €67k
2024: €68k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€41k-€68k▲ 65.8%€100k▲ 46.7%€150k▲ 50.5%
Operating result€49k-€34k▼ 30.0%€71k▲ 107%€65k▼ 8.0%
Net result€36k-€27k▼ 25.1%€52k▲ 91.8%€50k▼ 2.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€25k ▼ 22.8%
Current assets
€170k ▲ 46.4%
Equity and liabilities €195k
Equity
€150k ▲ 50.5%
Debt
€45k ▼ 7.5%
Debt's share of the balance-sheet total falls from 32.6% to 22.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▼
2024 · €75k
Cash flow
€58k▲
2024 · €56k
Current ratio
3.81▲
2024 · 2.41
Debt to equity
0.30▼
2024 · 0.48
ROE
33.6%▼
2024 · 51.9%
ROA
25.9%▼
2024 · 34.9%
Interest coverage
78.91▼
2024 · 85.40
Debt ≤ 1 year
€45k▼
2024 · €48k
Income taxes
€14k▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€148k€195k▲
Fixed assets21/28€32k€25k▼
Tangible fixed assets22/27€32k€25k▼
Plant, machinery and equipment23€680€340▼
Furniture and vehicles24€31k€24k▼
Current assets29/58€116k€170k▲
Cash at bank and in hand54/58€116k€170k▲
Equity and liabilities
Total equity and liabilities10/49€148k€195k▲
Equity10/15€100k€150k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Profit (loss) carried forward14€95k€145k▲
Amounts payable17/49€48k€45k▼
Amounts payable within one year42/48€48k€45k▼
Current portion of amounts payable after more than one year42€3k€3k▼
Taxes, remuneration and social security45€23k€19k▼
Taxes450/3€23k€19k▼
Other amounts payable47/48€23k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€155€548▲
Gross operating margin9900€75k€73k▼
Operating profit (loss)9901€71k€65k▼
Financial charges65/66B€874€917▲
Recurring financial charges65€874€917▲
Profit (loss) for the period before taxes9903€70k€64k▼
Income taxes67/77€18k€14k▼
Profit (loss) for the period9904€52k€50k▼
Profit (loss) for the period to be appropriated9905€52k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€115k€145k▲
Profit (loss) brought forward from the previous period14P€63k€95k▲
Profit to be distributed694/7€20k-
Directors or managers695€20k-
The notes to these accounts (3 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Equity above €150kEq €150k ▲50.5%
4 profitable years in a row build equity to €150k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Highest result since 2022net €52k ▲91.8%
Operating result €71k, net result €52k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €27k ▼25.1%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 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, Momignies · 1 establishment unit since 2022
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.
Les Martignons (MGS) 106590 MomigniesGround area
419 m²
Building footprint
59 m²
Volume, LiDAR
402 m³
Parcel 56051B0473/00T000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Les Martignons (MGS) 10, 6590 Momignies
since 20222.344.897.497
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56051B0473/00T000 | Wallonia | 419 m² | 1 · 59 m² | 8.0 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.