BIJ DEBORAH
ActiveThe computed 12-month bankruptcy probability of BIJ DEBORAH is 2.5% (moderate). The 2024 annual accounts show equity of €193 and a net result of €-27k. Equity is shrinking by ~42.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 26056 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
2
/ 100
Critical▼ -28 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency5▼-19
Growth32=
Stability100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.74 against 1.12 in 2023), and 99.9% 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.
+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
0.1%
Return on assets
-19.3%
Age of the figures
20 mo
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 →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
2021222324
2020 to 2024 · latest year -€27k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 26056 sector peers (2024).
NBB · sector comparisonPosition among 26056 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
16 d early
2022
34 d early
2021
38 d early
2020
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€193▼ 99.3%
2023 · €28k
2020: €57k
2021: €73k
2022: €40k
2023: €28k
2020 → 2024
Total assets
€142k▼ 18.8%
2023 · €175k
2020: €91k
2021: €185k
2022: €147k
2023: €175k
2020 → 2024
Net result
€-27k▼ 124%
2023 · €-12k
2020: €55k
2021: €16k
2022: €-33k
2023: €-12k
2020 → 2024
Working capital
€-36k
2023 · €16k
2020: €57k
2021: €60k
2022: €27k
2023: €16k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€57k-€73k▲ 28.4%€40k▼ 45.7%€28k▼ 30.7%€193▼ 99.3%
Operating result€76k-€21k▼ 72.7%€-32k€-13k▲ 60.4%€-26k▼ 106%
Net result€55k-€16k▼ 70.3%€-33k€-12k▲ 63.5%€-27k▼ 124%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €26k in 2024 against €13k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €142k
Fixed assets
€40k▲ 70.2%
Current assets
€102k▼ 32.6%
Equity and liabilities €142k
Equity
€193▼ 99.3%
Debt
€142k▼ 3.8%
The debt ratio rises from 84.2% to 99.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-16k▼
2023 · €-4k
Cash flow
€-17k▼
2023 · €-3k
Solvency
0.1%▼
2023 · 15.8%
Current ratio
0.74▼
2023 · 1.12
Quick ratio
0.50▼
2023 · 0.73
ROA
-19.3%▼
2023 · -7.0%
Interest coverage
-15.48▼
2023 · -3.62
Debt
€142k▼
2023 · €147k
Debt ≤ 1 year
€138k▲
2023 · €135k
Debt > 1 year
€3k▼
2023 · €12k
Income taxes
€140
Staff costs
€29k▲
2023 · €21k
Equity ratios withheld: equity of €193 is too small for a meaningful ratio.
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€175k€142k▼
Fixed assets21/28€23k€40k▲
Tangible fixed assets22/27€23k€39k▲
Plant, machinery and equipment23€22k€13k▼
Furniture and vehicles24€538€26k▲
Financial fixed assets28€800€800=
Current assets29/58€151k€102k▼
Stocks and contracts in progress3€52k€32k▼
Stocks30/36€52k€32k▼
Amounts receivable within one year40/41€45k€19k▼
Trade receivables40€12k€8k▼
Other amounts receivable41€33k€11k▼
Cash at bank and in hand54/58€54k€49k▼
Deferred charges and accrued income490/1€321€2k▲
Equity and liabilities
Total equity and liabilities10/49€175k€142k▼
Equity10/15€28k€193▼
Contributions10/11€3k€3k=
Reserves13€71k€71k=
Distributable reserves133€71k€71k=
Profit (loss) carried forward14€-46k€-73k▼
Amounts payable17/49€147k€142k▼
Amounts payable after more than one year17€12k€3k▼
Financial debts170/4€12k€3k▼
Amounts payable within one year42/48€135k€138k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€111k€109k▼
Suppliers440/4€111k€109k▼
Advances received on contracts in progress46€13k€10k▼
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3-€2k
Remuneration and social security454/9€3k€8k▲
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€152€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€21k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€613€457▼
Non-recurring operating charges66A-€221
Gross operating margin9900€18k€14k▼
Operating profit (loss)9901€-13k€-26k▼
Financial income75/76B€2k€216▼
Recurring financial income75€2k€216▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-12k€-27k▼
Income taxes67/77-€140
Profit (loss) for the period9904€-12k€-27k▼
Profit (loss) for the period to be appropriated9905€-12k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€-73k▼
Profit (loss) brought forward from the previous period14P€-33k€-46k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-33k ▼307%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Kortrijk · 1 establishment unit since 2020
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.
Markekerkstraat(Mar) 178510 KortrijkGround area
2,198 m²
Building footprint
1,245 m²
Volume, LiDAR
8,039 m³
Parcel 34026A0139/00T025, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dagbladhandel Bij Deborah
since 20202.297.611.680
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0139/00T025 | Flanders | 2,197 m² | 1 · 1,245 m² | 10.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKortrijk2.297.611.680
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CHATTALA
BE 0866.606.215
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Relife
BE 1000.175.809
Mechelen · Eq €1k
HODY TRADING
BE 0738.401.711
Mouscron · Eq €2k
Of 413 companies in sector 47260 we hold annual accounts for 260. 5 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2020
Fiscal year end31-12
Activities, NACEBEL
47260Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:deborah@uwkrantenwinkel.be
Phone:056221772