SIMODE marque Deborah
ActiveSIMODE marque Deborah has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €23k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 78% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.9 against 6.21 in 2024), and 23.9% 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
76.1%
Return on assets
13.8%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
36 d early
2023
6 d early
2022
5 d early
2021
53 d late
2020
8 d early
2019
on the day
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▼ 1.0%
2024 · €128k
2018: €22k
2019: €34k
2020: €57k
2021: €78k
2022: €86k
2023: €97k
2024: €128k
2018 → 2025
Total assets
€166k▲ 11.7%
2024 · €148k
2018: €87k
2019: €84k
2020: €133k
2021: €153k
2022: €167k
2023: €159k
2024: €148k
2018 → 2025
Net result
€23k▼ 24.5%
2024 · €30k
2018: €-8k
2019: €12k
2020: €23k
2021: €21k
2022: €24k
2023: €17k
2024: €30k
2018 → 2025
Working capital
€115k▲ 5.5%
2024 · €109k
2018: €46k
2019: €50k
2020: €59k
2021: €78k
2022: €76k
2023: €79k
2024: €109k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€86k▲ 10.7%€97k▲ 13.2%€128k▲ 31.3%€126k▼ 1.0%
Operating result€26k-€35k▲ 33.2%€24k▼ 32.2%€42k▲ 79.4%€36k▼ 15.7%
Net result€21k-€24k▲ 15.5%€17k▼ 29.6%€30k▲ 77.9%€23k▼ 24.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€11k▼ 39.5%
Current assets
€155k▲ 19.0%
Equity and liabilities €166k
Equity
€126k▼ 1.0%
Debt
€40k▲ 89.5%
The debt ratio rises from 14.1% to 23.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€43k▼
2024 · €52k
Cash flow
€30k▼
2024 · €40k
Solvency
76.1%▼
2024 · 85.9%
Current ratio
3.90▼
2024 · 6.21
Quick ratio
3.52▼
2024 · 5.41
Debt / equity
0.31▲
2024 · 0.16
ROE
18.2%▼
2024 · 23.8%
ROA
13.8%▼
2024 · 20.5%
Interest coverage
51.96▲
2024 · -129.14
Debt
€40k▲
2024 · €21k
Debt ≤ 1 year
€40k▲
2024 · €21k
Income taxes
€13k▼
2024 · €13k
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€148k€166k▲
Fixed assets21/28€19k€11k▼
Tangible fixed assets22/27€19k€11k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€4k€3k▼
Leasing and similar rights25€5k€0▼
Other tangible fixed assets26€7k€6k▼
Current assets29/58€130k€155k▲
Stocks and contracts in progress3€17k€15k▼
Stocks30/36€17k€15k▼
Amounts receivable within one year40/41€33k€45k▲
Trade receivables40€8k€11k▲
Other amounts receivable41€25k€33k▲
Cash at bank and in hand54/58€79k€92k▲
Deferred charges and accrued income490/1€803€3k▲
Equity and liabilities
Total equity and liabilities10/49€148k€166k▲
Equity10/15€128k€126k▼
Contributions10/11€56k€56k=
Reserves13€72k€70k▼
Distributable reserves133€72k€70k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€21k€40k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€21k€40k▲
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€12k€11k▼
Other amounts payable47/48€0€24k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€0▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€52k€44k▼
Operating profit (loss)9901€42k€36k▼
Financial income75/76B€742€861▲
Recurring financial income75€742€861▲
Financial charges65/66B€-400€826▲
Recurring financial charges65€-400€826▲
Profit (loss) for the period before taxes9903€43k€36k▼
Income taxes67/77€13k€13k▼
Profit (loss) for the period9904€30k€23k▼
Profit (loss) for the period to be appropriated9905€30k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€23k▼
Transfer from equity791/2€0€24k▲
Transfer to equity691/2€30k€23k▼
To other reserves6921€30k€23k▼
Profit to be distributed694/7€0€24k▲
Return on contributions (dividend)694€0€24k▲
The notes to these accounts (14 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €30k ▲77.9%
Operating result €42k, net result €30k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 6.21
Current ratio from 2.44 to 6.21; short-term debt falls from €55k to €21k.
31-12
Financial
Equity above €100kEq €128k ▲31.3%
6 profitable years in a row build equity to €128k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 37 days late
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel · 1 establishment unit since 1981
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.
Papenhoutlaan 191020 BrusselGround area
227 m²
Building footprint
112 m²
Volume, LiDAR
1,206 m³
Parcel 21818E0268/00A006, Brussels · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Papenhoutlaan 19, 1020 Brussel
since 19812.018.483.589
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21818E0268/00A006 | Brussels | 227 m² | 1 · 112 m² | 15.2 m · 4 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
BDP DESIGN
BE 0688.634.177
Balen · Eq €126k
Dirk Blomme
BE 0750.739.616
Deinze · Eq €126k
CEMACOM
BE 0439.404.159
Harelbeke · Eq €126k
KREATHERM
BE 0440.090.285
Herzele · Eq €127k
EXTENSE PHARMA
BE 0821.673.538
Wavre · Eq €125k
Of 4,407 companies in sector 46180 we hold annual accounts for 1,875. 1,405 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-1981
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
51180
46412Wholesale of household textiles and bedding
47512Retail sale of household textiles and bedding
51410
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.