B. DESH
ActiveB. DESH has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €38k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+8
Solvency34▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 1.0 against 0.87 in 2024; short-term debt: 91.4% and cash: 35.3% of total assets), and 91.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
8.6%
Return on assets
9.9%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
27 d late
2023
20 d late
2022
25 d late
2021
19 d late
2020
53 d late
2019
91 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k
2024 · €-5k
2018: €-22k
2019: €-21k
2020: €-23k
2021: €-17k
2022: €-17k
2023: €-18k
2024: €-5k
2018 → 2025
Total assets
€380k▲ 10.4%
2024 · €344k
2018: €8k
2019: €3k
2020: €11k
2021: €21k
2022: €24k
2023: €6k
2024: €344k
2018 → 2025
Net result
€38k▲ 192%
2024 · €13k
2018: €2k
2019: €838
2020: €-2k
2021: €6k
2022: €-184
2023: €-1k
2024: €13k
2018 → 2025
Working capital
€-1k▲ 97.0%
2024 · €-46k
2018: €-22k
2019: €-21k
2020: €-24k
2021: €-17k
2022: €-17k
2023: €-18k
2024: €-46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-17k-€-17k▼ 1.1%€-18k▼ 6.1%€-5k▲ 72.7%€33k
Operating result€10k-€1k▼ 86.3%€56▼ 95.9%€22k▲ 38,921%€50k▲ 130%
Net result€6k-€-184€-1k▼ 453%€13k€38k▲ 192%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 130% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €380k
Fixed assets
€34k▼ 16.1%
Current assets
€346k▲ 14.0%
Equity and liabilities €380k
Equity
€33k
Debt
€348k
Debt finances 91.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€60k▲
2024 · €27k
Cash flow
€47k▲
2024 · €18k
Solvency
8.6%▲
2024 · -1.4%
Current ratio
1.00▲
2024 · 0.87
Quick ratio
0.50▲
2024 · 0.44
Debt / equity
10.58▲
2024 · -72.21
ROE
114.7%
ROA
9.9%▲
2024 · 3.7%
Interest coverage
18.68▲
2024 · 8.73
Debt
€348k▼
2024 · €349k
Debt ≤ 1 year
€348k▼
2024 · €349k
Income taxes
€9k▲
2024 · €6k
Staff costs
€304k▲
2024 · €187k
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€344k€380k▲
Fixed assets21/28€41k€34k▼
Tangible fixed assets22/27€41k€34k▼
Furniture and vehicles24€41k€31k▼
Other tangible fixed assets26-€3k
Current assets29/58€304k€346k▲
Stocks and contracts in progress3€149k€173k▲
Stocks30/36€149k€173k▲
Amounts receivable within one year40/41€57k€38k▼
Trade receivables40€5k€34k▲
Other amounts receivable41€52k€3k▼
Cash at bank and in hand54/58€97k€134k▲
Deferred charges and accrued income490/1€971€990▲
Equity and liabilities
Total equity and liabilities10/49€344k€380k▲
Equity10/15€-5k€33k▲
Contributions10/11€19k€19k=
Reserves13€2k€14k▲
Distributable reserves133€2k€14k▲
Profit (loss) carried forward14€-25k-
Amounts payable17/49€349k€348k▼
Amounts payable within one year42/48€349k€348k▼
Trade debts44€158k€221k▲
Suppliers440/4€158k€221k▲
Taxes, remuneration and social security45€41k€56k▲
Taxes450/3€9k€10k▲
Remuneration and social security454/9€31k€46k▲
Other amounts payable47/48€151k€71k▼
Income statement
Code20242025
Non-recurring operating income76A€499€1k▲
Remuneration, social security and pensions62€187k€304k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€10k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€216k€365k▲
Operating profit (loss)9901€22k€50k▲
Financial income75/76B€7€17▲
Recurring financial income75€0€17▲
Non-recurring financial income76B€6-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€19k€47k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€13k€38k▲
Profit (loss) for the period to be appropriated9905€13k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€12k▲
Profit (loss) brought forward from the previous period14P€-38k€-25k▲
Transfer to equity691/2-€12k
To other reserves6921-€12k
The notes to these accounts (5 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €38k ▲192%
Operating result €50k, net result €38k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
2020
31-12
Financial
Weakest financial yearnet €-2k ▼347%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
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, Verviers · 1 establishment unit since 2024
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.
Avenue Nicolaï 184802 VerviersGround area
1,614 m²
Building footprint
1,923 m²
Volume, LiDAR
10,226 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Q8 Shop and Go
since 20242.357.634.191
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62332B0162/00E004 | Wallonia | 1,390 m² | 1 · 1,859 m² | 10.7 m · 2 fl. |
| 63036A0024/00T012 | Wallonia | 225 m² | 1 · 63 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteAns2.357.634.191
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,480 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2002
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
61100Wired, wireless and satellite telecommunications
61200Telecommunications
64200Holdings
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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:roytpn@gmail.com
Phone:042461479