TRAITEUR DERMA
ActiveTRAITEUR DERMA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €35k. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 49% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+10
Solvency80▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 1.42 in 2024; short-term debt: 32.3% and cash: 49.9% of total assets), and 44.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
55.2%
Return on assets
18.6%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
24 d early
2023
51 d early
2022
25 d late
2021
48 d early
2020
101 d early
2019
102 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▲ 30.4%
2024 · €80k
2018: €-92k
2019: €-103k
2020: €-99k
2021: €4k
2022: €29k
2023: €59k
2024: €80k
2018 → 2025
Total assets
€190k▼ 13.9%
2024 · €221k
2018: €203k
2019: €194k
2020: €173k
2021: €77k
2022: €138k
2023: €165k
2024: €221k
2018 → 2025
Net result
€35k▲ 53.3%
2024 · €23k
2018: €-5k
2019: €-11k
2020: €4k
2021: €103k
2022: €26k
2023: €30k
2024: €23k
2018 → 2025
Working capital
€66k▲ 56.0%
2024 · €42k
2018: €-81k
2019: €-97k
2020: €-88k
2021: €-11k
2022: €1k
2023: €27k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€29k▲ 670%€59k▲ 101%€80k▲ 35.5%€105k▲ 30.4%
Operating result€112k-€31k▼ 72.4%€46k▲ 50.5%€32k▼ 30.2%€54k▲ 67.9%
Net result€103k-€26k▼ 75.2%€30k▲ 16.4%€23k▼ 22.8%€35k▲ 53.3%
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 68% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€62k▼ 19.2%
Current assets
€127k▼ 11.0%
Equity and liabilities €190k
Equity
€105k▲ 30.4%
Debt
€85k▼ 39.3%
The debt ratio falls from 63.6% to 44.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▲
2024 · €50k
Cash flow
€58k▲
2024 · €40k
Solvency
55.2%▲
2024 · 36.4%
Current ratio
2.08▲
2024 · 1.42
Quick ratio
1.86▲
2024 · 1.28
Debt / equity
0.81▼
2024 · 1.75
ROE
33.7%▲
2024 · 28.7%
ROA
18.6%▲
2024 · 10.4%
Interest coverage
37.62▲
2024 · 25.48
Debt
€85k▼
2024 · €140k
Debt ≤ 1 year
€61k▼
2024 · €101k
Debt > 1 year
€24k▼
2024 · €39k
Income taxes
€17k▲
2024 · €8k
Staff costs
€7k▲
2024 · €5k
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€221k€190k▼
Fixed assets21/28€77k€62k▼
Tangible fixed assets22/27€77k€62k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€62k€51k▼
Other tangible fixed assets26€12k€11k▼
Current assets29/58€143k€127k▼
Stocks and contracts in progress3€14k€13k▼
Stocks30/36€14k€13k▼
Amounts receivable within one year40/41€12k€14k▲
Trade receivables40€9k€11k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€110k€95k▼
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€221k€190k▼
Equity10/15€80k€105k▲
Contributions10/11€19k€19k=
Reserves13€62k€86k▲
Distributable reserves133€62k€86k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€140k€85k▼
Amounts payable after more than one year17€39k€24k▼
Financial debts170/4€39k€24k▼
Amounts payable within one year42/48€101k€61k▼
Current portion of amounts payable after more than one year42€19k€16k▼
Trade debts44€30k€2k▼
Suppliers440/4€30k€2k▼
Taxes, remuneration and social security45€19k€11k▼
Taxes450/3€15k€7k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€33k€33k▼
Income statement
Code20242025
Remuneration, social security and pensions62€5k€7k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€23k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€999▼
Gross operating margin9900€56k€85k▲
Operating profit (loss)9901€32k€54k▲
Financial income75/76B€145€3▼
Recurring financial income75€145€3▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€31k€52k▲
Income taxes67/77€8k€17k▲
Profit (loss) for the period9904€23k€35k▲
Profit (loss) for the period to be appropriated9905€23k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€35k▲
Transfer from equity791/2-€11k
Transfer to equity691/2€21k€35k▲
To other reserves6921€21k€35k▲
Profit to be distributed694/7€2k€11k▲
Return on contributions (dividend)694-€11k
Directors or managers695€2k€0▼
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
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €105k ▲30.4%
6 profitable years in a row build equity to €105k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €103k ▲2707%
Operating result €112k, net result €103k, both a record.
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-05
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
4 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, Middelkerke · 1 establishment unit since 2008
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.
Tempelhofstraat 108433 MiddelkerkeGround area
9,568 m²
Building footprint
374 m²
Volume, LiDAR
1,478 m³
Parcel 35018B0608/00H000, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Traiteur Derma
since 20082.174.669.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35018B0608/00H000 | Flanders | 9,568 m² | 1 · 374 m² | 8.2 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMiddelkerke2.174.669.724
Similar companies · same sector, comparable size
SIRATY
BE 1002.605.658
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C & C PROJECTEN
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SANDOITCHI
BE 0830.822.123
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ILO-Consulting
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JENS'CO
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2008
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.