DEBRA BOUW & AFWERKING
ActiveSummary
DEBRA BOUW & AFWERKING has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.26M and a net result of €-3k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 78% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-39
Solvency94▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 3.41 in 2024; short-term debt: 30.7% and cash: 38.4% of total assets), and 31.4% 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+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 43
Relative position
BE, all sectors
reference
Sector 43
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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
4 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
1 d late
2019
16 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.26M▼ 0.2%
2024 · €1.26M
2019: €1.09M
2020: €1.17M
2021: €1.14M
2022: €1.15M
2023: €1.17M
2024: €1.26M
2019 → 2025
Total assets
€1.84M▲ 2.6%
2024 · €1.79M
2019: €1.78M
2020: €1.97M
2021: €1.41M
2022: €1.86M
2023: €2.13M
2024: €1.79M
2019 → 2025
Net result
€-3k
2024 · €119k
2019: €219k
2020: €137k
2021: €-32k
2022: €23k
2023: €20k
2024: €119k
2019 → 2025
Working capital
€1.18M▼ 1.8%
2024 · €1.20M
2019: €937k
2020: €1.05M
2021: €987k
2022: €1.03M
2023: €1.01M
2024: €1.20M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.14M-€1.15M▲ 1.2%€1.17M▲ 1.7%€1.26M▲ 7.5%€1.26M▼ 0.2%
Operating result€-45k-€10k€3k▼ 73.2%€143k▲ 5,232%€-12k
Net result€-32k-€23k€20k▼ 13.6%€119k▲ 488%€-3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €143k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.84M
Fixed assets
€97k ▲ 0.5%
Current assets
€1.74M ▲ 2.7%
Equity and liabilities €1.84M
Equity
€1.26M ▼ 0.2%
Debt
€577k ▲ 9.3%
Debt's share of the balance-sheet total rises from 29.5% to 31.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€22k▼
2024 · €181k
Cash flow
€31k▼
2024 · €157k
Current ratio
3.08▼
2024 · 3.41
Quick ratio
2.97▼
2024 · 3.26
Debt to equity
0.46▲
2024 · 0.42
ROE
-0.2%▼
2024 · 9.4%
ROA
-0.1%▼
2024 · 6.6%
Interest coverage
2.29▼
2024 · 56.13
Debt ≤ 1 year
€564k▲
2024 · €497k
Income taxes
€4k▼
2024 · €34k
Staff costs
€470k▲
2024 · €400k
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 · 68 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.79M€1.84M▲
Fixed assets21/28€96k€97k▲
Intangible fixed assets21€2k€936▼
Tangible fixed assets22/27€82k€79k▼
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€11k€26k▲
Leasing and similar rights25€11k€5k▼
Other tangible fixed assets26€54k€41k▼
Financial fixed assets28€13k€16k▲
Current assets29/58€1.69M€1.74M▲
Amounts receivable after more than one year29€90k€90k=
Other amounts receivable291€90k€90k=
Stocks and contracts in progress3€74k€62k▼
Stocks30/36€60k€61k▲
Contracts in progress37€14k€1k▼
Amounts receivable within one year40/41€1.29M€831k▼
Trade receivables40€1.29M€794k▼
Other amounts receivable41-€37k
Cash at bank and in hand54/58€175k€706k▲
Deferred charges and accrued income490/1€66k€51k▼
Equity and liabilities
Total equity and liabilities10/49€1.79M€1.84M▲
Equity10/15€1.26M€1.26M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.20M€1.20M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€1.18M€1.17M▼
Profit (loss) carried forward14€89-
Amounts payable17/49€528k€577k▲
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€497k€564k▲
Current portion of amounts payable after more than one year42€5k€5k▼
Trade debts44€408k€359k▼
Suppliers440/4€408k€359k▼
Advances received on contracts in progress46-€140k
Taxes, remuneration and social security45€49k€56k▲
Taxes450/3€22k€35k▲
Remuneration and social security454/9€27k€21k▼
Other amounts payable47/48€35k€4k▼
Accrued charges and deferred income492/3€26k€13k▼
Income statement
Code20242025
Non-recurring operating income76A€83€11k▲
Remuneration, social security and pensions62€400k€470k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€33k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€-6k▼
Other operating charges640/8€8k€15k▲
Non-recurring operating charges66A€8k-
Gross operating margin9900€601k€501k▼
Operating profit (loss)9901€143k€-12k▼
Financial income75/76B€13k€22k▲
Recurring financial income75€13k€22k▲
Financial charges65/66B€3k€9k▲
Recurring financial charges65€3k€9k▲
Profit (loss) for the period before taxes9903€153k€1k▼
Income taxes67/77€34k€4k▼
Profit (loss) for the period9904€119k€-3k▼
Profit (loss) for the period to be appropriated9905€119k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€119k€-3k▼
Profit (loss) brought forward from the previous period14P€521€89▼
Transfer from equity791/2-€3k
Transfer to equity691/2€89k-
To other reserves6921€89k-
Profit to be distributed694/7€30k-
Directors or managers695€30k-
Social balance
Average headcount (FTE)90875.86.8▲
The notes to these accounts (17 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €-32k ▼123%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 5.07
Current ratio from 2.37 to 5.07; short-term debt falls from €762k to €243k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1 day late
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
01-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
24-01
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
5 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, Gent · 1 establishment unit since 2003
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.
Wiedauwkaai 709000 GentGround area
1.7 ha
Building footprint
1,007 m²
Volume, LiDAR
2,925 m³
2 parcels, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Wiedauwkaai 70G, 9000 Gent
since 20032.123.185.884
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0441/00A002 | Flanders | 1.4 ha | 1 · 227 m² | 9.0 m · 3 fl. |
| 44807G0418/00E002 | Flanders | 3,173 m² | 1 · 779 m² | 6.8 m |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 28,475 EUR awarded · 28,423 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 5,829 EUR | 5,829 EUR |
| 2024 | 3 | 6,811 EUR | 7,076 EUR |
| 2023 | 2 | 9,492 EUR | 9,175 EUR |
| 2022 | 2 | 6,343 EUR | 6,343 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
11 categoriesDEBRA BOUW & AFWERKING NV32525
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Of 914 companies in sector 43333 we hold annual accounts for 400. 161 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 formPublic limited company
Founded22-01-2003
Fiscal year end30-06
Abbreviation NL
DEBRA B&A
Activities, NACEBEL 2025
43333Wallpapering and laying of floor and wall coverings in other materials
43990Other specialised construction activities
41001General construction of residential buildings
43110Demolition
43331Floor and wall tiling
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.