Summary
DEMAVER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €323k and a net result of €-29k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 16% of 5527 sector peers (fiscal year 2025). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 d late
2023
30 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
26 d late
← 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
€323k▼ 8.3%
2024 · €352k
2018: €534k
2019: €533k
2020: €534k
2021: €291k
2022: €388k
2023: €293k
2024: €352k
2018 → 2025
Net result
€-29k
2024 · €59k
2018: €12k
2019: €-1k
2020: €2k
2021: €32k
2022: €97k
2023: €-95k
2024: €59k
2018 → 2025
Total assets
€2.42M▼ 3.8%
2024 · €2.51M
2018: €2.26M
2019: €2.27M
2020: €2.31M
2021: €2.33M
2022: €2.44M
2023: €2.38M
2024: €2.51M
2018 → 2025
Solvency
13.4%▼ 0.7pp
2024 · 14.0%
2018: 23.7%
2019: 23.5%
2020: 23.1%
2021: 12.5%
2022: 15.9%
2023: 12.3%
2024: 14.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€291k-€388k▲ 33.4%€293k▼ 24.5%€352k▲ 20.2%€323k▼ 8.3%
Operating result€61k-€136k▲ 123%€7k▼ 94.6%€93k▲ 1,159%€8k▼ 91.3%
Net result€32k-€97k▲ 205%€-95k€59k€-29k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 91% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.42M
Fixed assets
€2.27M ▼ 0.3%
Current assets
€151k ▼ 36.9%
Equity and liabilities €2.42M
Equity
€323k ▼ 8.3%
Debt
€2.09M ▼ 3.0%
Debt's share of the balance-sheet total rises from 86.0% to 86.6%. Equity and debt are lower.
Key figures and ratios
ROE
-9.1%▼
2024 · 16.8%
ROA
-1.2%▼
2024 · 2.4%
Debt ≤ 1 year
€2.07M▼
2024 · €2.12M
Debt > 1 year
€16k▼
2024 · €33k
Income taxes
€239▼
2024 · €244
Staff costs
€30k▼
2024 · €30k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.51M€2.42M▼
Fixed assets21/28€2.27M€2.27M▼
Tangible fixed assets22/27€54k€48k▼
Land and buildings22-€4k
Plant, machinery and equipment23€1k€808▼
Furniture and vehicles24€53k€43k▼
Financial fixed assets28€2.22M€2.22M=
Current assets29/58€239k€151k▼
Amounts receivable within one year40/41€198k€112k▼
Trade receivables40€178k€93k▼
Other amounts receivable41€20k€19k▼
Cash at bank and in hand54/58€5k€6k▲
Deferred charges and accrued income490/1€36k€33k▼
Equity and liabilities
Total equity and liabilities10/49€2.51M€2.42M▼
Equity10/15€352k€323k▼
Contributions10/11€379k€379k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-32k€-61k▼
Amounts payable17/49€2.16M€2.09M▼
Amounts payable after more than one year17€33k€16k▼
Financial debts170/4€33k€16k▼
Amounts payable within one year42/48€2.12M€2.07M▼
Current portion of amounts payable after more than one year42€16k€19k▲
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€56k€24k▼
Taxes450/3€50k€20k▼
Remuneration and social security454/9€5k€5k▼
Other amounts payable47/48€2.04M€2.02M▼
Accrued charges and deferred income492/3€7k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€30k€30k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€19k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€141k€60k▼
Operating profit (loss)9901€93k€8k▼
Financial income75/76B€848€1k▲
Recurring financial income75€848€1k▲
Financial charges65/66B€34k€38k▲
Recurring financial charges65€34k€38k▲
Profit (loss) for the period before taxes9903€59k€-29k▼
Income taxes67/77€244€239▼
Profit (loss) for the period9904€59k€-29k▼
Profit (loss) for the period to be appropriated9905€59k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-61k▼
Profit (loss) brought forward from the previous period14P€-91k€-32k▲
Transfer from equity791/2€0-
The notes to these accounts (16 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-95k ▼198%
Net result drops to €-95k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €97k ▲205%
Operating result €136k, net result €97k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Moorslede · 1 establishment unit since 1972
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.
Menenstraat 898890 MoorsledeGround area
9,274 m²
Building footprint
749 m²
Volume, LiDAR
3,960 m³
2 parcels, Flanders · tallest building 8.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kezelberg 53, 8560 Wevelgem
since 19722.007.792.310
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36003A0419/00F000 | Flanders | 8,177 m² | 1 · 353 m² | 5.5 m · 1 fl. |
| 34029A0957/00S000 | Flanders | 1,098 m² | 1 · 396 m² | 8.2 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,776 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
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.