Debever Advice
ActiveSummary
Debever Advice has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €583k and a net result of €69k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+6
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 47.56 against 19.77 in 2024; short-term debt: 1.7% and cash: 0.5% of total assets), and 1.8% 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 71
Relative position
BE, all sectors
reference
Sector 71
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
98.2%
Return on assets
11.6%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 13-11-2025, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
on the day
2023
on the day
2022
16 d late
2021
2 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€583k▲ 13.4%
2024 · €514k
2019: €303k
2020: €381k
2021: €418k
2022: €448k
2023: €480k
2024: €514k
2019 → 2025
Total assets
€594k▲ 10.7%
2024 · €536k
2019: €428k
2020: €476k
2021: €467k
2022: €460k
2023: €507k
2024: €536k
2019 → 2025
Net result
€69k▲ 102%
2024 · €34k
2019: €39k
2020: €78k
2021: €37k
2022: €30k
2023: €32k
2024: €34k
2019 → 2025
Working capital
€481k▲ 19.8%
2024 · €401k
2019: €191k
2020: €300k
2021: €341k
2022: €375k
2023: €355k
2024: €401k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€418k-€448k▲ 7.1%€480k▲ 7.2%€514k▲ 7.1%€583k▲ 13.4%
Operating result€58k-€47k▼ 18.0%€49k▲ 3.0%€51k▲ 4.8%€43k▼ 15.2%
Net result€37k-€30k▼ 19.6%€32k▲ 8.1%€34k▲ 6.5%€69k▲ 102%
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 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594k
Fixed assets
€103k ▼ 9.5%
Current assets
€491k ▲ 16.2%
Equity and liabilities €594k
Equity
€583k ▲ 13.4%
Debt
€11k ▼ 51.3%
Debt's share of the balance-sheet total falls from 4.2% to 1.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▼
2024 · €63k
Cash flow
€81k▲
2024 · €46k
Current ratio
47.56▲
2024 · 19.77
Debt to equity
0.02▼
2024 · 0.04
ROE
11.8%▲
2024 · 6.7%
ROA
11.6%▲
2024 · 6.4%
Interest coverage
474.21▲
2024 · 72.23
Debt ≤ 1 year
€10k▼
2024 · €21k
Income taxes
€20k▲
2024 · €17k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€536k€594k▲
Fixed assets21/28€113k€103k▼
Tangible fixed assets22/27€44k€33k▼
Plant, machinery and equipment23€323€1k▲
Furniture and vehicles24€44k€32k▼
Financial fixed assets28€69k€69k=
Current assets29/58€423k€491k▲
Amounts receivable within one year40/41€167k€198k▲
Trade receivables40€105k€17k▼
Other amounts receivable41€62k€181k▲
Current investments50/53€251k€289k▲
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€2k€690▼
Equity and liabilities
Total equity and liabilities10/49€536k€594k▲
Equity10/15€514k€583k▲
Contributions10/11€137k€137k=
Reserves13€377k€446k▲
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Tax-exempt reserves132€653€653=
Distributable reserves133€364k€433k▲
Amounts payable17/49€22k€11k▼
Amounts payable within one year42/48€21k€10k▼
Trade debts44€2k€780▼
Suppliers440/4€2k€780▼
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Other amounts payable47/48€10k€0▼
Accrued charges and deferred income492/3€906€531▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€64k€57k▼
Operating profit (loss)9901€51k€43k▼
Financial income75/76B€881€45k▲
Recurring financial income75€881€45k▲
Financial charges65/66B€870€117▼
Recurring financial charges65€870€117▼
Profit (loss) for the period before taxes9903€51k€89k▲
Income taxes67/77€17k€20k▲
Profit (loss) for the period9904€34k€69k▲
Profit (loss) for the period to be appropriated9905€34k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€69k▲
Transfer to equity691/2€34k€69k▲
To other reserves6921€34k€69k▲
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
Next filing, fiscal year 2026, expected by
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
31-03
Financial
Liquidity doublescurrent ratio 47.56
Current ratio from 19.77 to 47.56; short-term debt falls from €21k to €10k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €500kEq €514k ▲7.1%
6 profitable years in a row build equity to €514k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
31-03
Financial
Weakest financial yearnet €30k ▼19.6%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity quadruplescurrent ratio 31.71
Current ratio from 8.01 to 31.71; short-term debt falls from €49k to €12k.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €78k ▲99%
Operating result €81k, net result €78k, both a record.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Pittem · 1 establishment unit since 2005
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.
Veldstraat 218740 PittemGround area
1,484 m²
Building footprint
224 m²
Parcel 37011D0868/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
Debever Advice
since 20052.145.440.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37011D0868/00E000 | Flanders | 1,484 m² | 1 · 224 m² | - |
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
VDL KTI Process Engineering
BE 0799.544.967
Mol · Eq €583,390
GELDOF MILIEU CONSULT
BE 0472.820.560
Sint-Niklaas · Eq €583,443
GEBOTEC
BE 0869.458.114
Mortsel · Eq €583,950
VSB Consultants
BE 0881.475.523
Nieuwpoort · Eq €584,155
CHIPDESIGN
BE 0501.767.340
Meise · Eq €581,834
Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 4,214 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 (pre-2019)
Founded31-01-2005
Fiscal year end31-03
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.