Debemar
ActiveSummary
Debemar has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.01M and a net result of €166k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 9194 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, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+2
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 3.03 against 0.97 in 2024; short-term debt: 7.6% and cash: 13.1% of total assets), and 15.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
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
84.3%
Return on assets
13.9%
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 12-02-2026, 169 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
169 d early
2024
125 d early
2023
86 d early
2022
83 d early
2021
149 d early
2020
73 d early
2019
85 d early
← 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
€1.01M▲ 19.7%
2024 · €843k
2018: €609k
2019: €628k
2020: €583k
2021: €587k
2022: €821k
2023: €872k
2024: €843k
2018 → 2025
Total assets
€1.20M▲ 0.6%
2024 · €1.19M
2018: €768k
2019: €755k
2020: €700k
2021: €1.05M
2022: €1.17M
2023: €1.13M
2024: €1.19M
2018 → 2025
Net result
€166k▲ 14.9%
2024 · €145k
2018: €-2k
2019: €-4k
2020: €-45k
2021: €4k
2022: €234k
2023: €51k
2024: €145k
2018 → 2025
Working capital
€184k
2024 · €-8k
2018: €677k
2019: €673k
2020: €6k
2021: €-288k
2022: €-84k
2023: €836
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€587k-€821k▲ 39.8%€872k▲ 6.2%€843k▼ 3.3%€1.01M▲ 19.7%
Operating result€220k-€271k▲ 23.2%€83k▼ 69.2%€212k▲ 154%€243k▲ 14.7%
Net result€4k-€234k▲ 5,994%€51k▼ 78.1%€145k▲ 183%€166k▲ 14.9%
Turnover and EBIT margin not published: the abbreviated 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 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€922k ▼ 3.1%
Current assets
€275k ▲ 15.4%
Equity and liabilities €1.20M
Equity
€1.01M ▲ 19.7%
Provisions
€95k ▼ 3.5%
Debt
€93k ▼ 62.6%
Debt's share of the balance-sheet total falls from 20.9% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€274k▲
2024 · €243k
Cash flow
€197k▲
2024 · €175k
Current ratio
3.03▲
2024 · 0.97
Debt to equity
0.09▼
2024 · 0.29
ROE
16.5%▼
2024 · 17.1%
ROA
13.9%▲
2024 · 12.2%
Interest coverage
1656.33▼
2024 · 1749.66
Debt ≤ 1 year
€91k▼
2024 · €246k
Income taxes
€87k▲
2024 · €78k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€1.20M▲
Fixed assets21/28€951k€922k▼
Tangible fixed assets22/27€948k€919k▼
Land and buildings22€947k€917k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€1k€640▼
Financial fixed assets28€3k€3k=
Current assets29/58€238k€275k▲
Amounts receivable within one year40/41€178k€117k▼
Trade receivables40€78k€17k▼
Other amounts receivable41€100k€100k▼
Cash at bank and in hand54/58€59k€156k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.20M▲
Equity10/15€843k€1.01M▲
Contributions10/11€20k€20k=
Reserves13€817k€983k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€343k€332k▼
Distributable reserves133€473k€649k▲
Profit (loss) carried forward14€7k€7k=
Provisions and deferred taxes16€98k€95k▼
Deferred taxes168€98k€95k▼
Amounts payable17/49€248k€93k▼
Amounts payable within one year42/48€246k€91k▼
Trade debts44€5k€828▼
Suppliers440/4€5k€828▼
Taxes, remuneration and social security45€74k€90k▲
Taxes450/3€74k€90k▲
Other amounts payable47/48€167k€20▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€245k€277k▲
Operating profit (loss)9901€212k€243k▲
Financial income75/76B€7k€7k=
Recurring financial income75€7k€7k=
Financial charges65/66B€139€165▲
Recurring financial charges65€139€165▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€219k€250k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€78k€87k▲
Profit (loss) for the period9904€145k€166k▲
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€155k€176k▲
Appropriation of the result
Profit (loss) to be appropriated9906€162k€183k▲
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer from equity791/2€173k€0▼
Transfer to equity691/2€155k€176k▲
To other reserves6921€155k€176k▲
Profit to be distributed694/7€173k€0▼
Return on contributions (dividend)694€173k€0▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (7 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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 3.03
Current ratio from 0.97 to 3.03; short-term debt falls from €246k to €91k.
31-12
Financial
Equity above €1MEq €1.01M ▲19.7%
5 profitable years in a row build equity to €1.01M.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
State Gazette act
Board meeting · Director resignation
Director discharge · Director appointment
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €234k ▲5994%
Operating result €271k, net result €234k, both a record.
04-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
Show earlier events
07-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity triplescurrent ratio 163.94
Current ratio from 52.71 to 163.94; short-term debt falls from €13k to €4k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Wezembeek-Oppem · 1 establishment unit since 1992
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.
Grensstraat 471970 Wezembeek-OppemGround area
1,636 m²
Building footprint
220 m²
Volume, LiDAR
1,174 m³
Parcel 22302C0247/00H000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Grensstraat 47, 1970 Wezembeek-Oppem
since 19922.018.086.285
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22302C0247/00H000 | Flanders | 1,636 m² | 1 · 220 m² | 10.6 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.
Structure & network
Connections & network
10 connected companiesLinked via shared directors
Shared director
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Show 6 more companies with a shared director
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Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 4,118 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-1987
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.