Age3 yrs
Real estate1 parcel · 2,281 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of DEROVER is 6.5% (elevated). The 2024 annual accounts show negative equity (€-44k) and a net result of €-64k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone6.5%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-01-2026, 29 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 02-01-2026 | 29 d early | 2026-00593534 |
| 30-06-2024 | 31-01-2025 | 28-02-2025 | 28 d late | 2025-00041123 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-64k
Working capital€-44k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 02-01-2026 with the NBB · fiscal year 2025 · micro
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-46k |
| Net profit | €-64k |
| Cash flow | €-51k |
| Staff costs | €16k |
| Income taxes | - |
| Dividends | - |
| Total assets | €150k |
| Equity | €-44k |
| Debt | €194k |
| of which ≤ 1y | €103k |
| of which > 1y | €91k |
| Working capital | €-44k |
| Employees (FTE) | 3.4 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.57 |
| Quick ratio | 0.39 |
| Working capital ratio | -29.6% |
| Solvency | -29.7% |
| Debt / equity | -4.37 |
| Long-term debt ratio | -2.06 |
| Interest coverage | -7.68 |
| Gross margin | - |
| Net margin | - |
| ROA | -43.0% |
| ROE | 145.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €150k |
| Fixed assets | 21/28 | €88k |
| Formation expenses | 20 | €4k |
| Intangible fixed assets | 21 | €41k |
| Tangible fixed assets | 22/27 | €46k |
| Current assets | 29/58 | €58k |
| Stocks & contracts in progress | 3 | €18k |
| Amounts receivable within one year | 40/41 | €12k |
| Cash & bank | 54/58 | €12k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €150k |
| Equity | 10/15 | €-44k |
| Contributions / capital | 10/11 | €20k |
| Accumulated profits (losses) | 14 | €-64k |
| Amounts payable | 17/49 | €194k |
| Amounts payable after one year | 17 | €91k |
| Amounts payable within one year | 42/48 | €103k |
| Trade debts payable within one year | 44 | €70k |
| Income statement | ||
| Gross operating margin | 9900 | €-28k |
| Operating result | 9901 | €-59k |
| Financial income | 75 | €372 |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €-64k |
| Net result for the period | 9904 | €-64k |
| Result to be appropriated | 9905 | €-64k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed10
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
2 locationsBleuet
since 20232.346.166.813
Marché
since 20262.392.488.271
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,281 m²
Buildings1
Building footprint266 m²
Volume (LiDAR)1,023 m³
Tallest building8.7 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45020B0247/00D000 | Flanders | 2,281 m² | 1 · 266 m² | 8.7 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
24-01-2024
Registered-office move
All acts · 1
updated 2 years ago
2024
24-01-2024 Registered office moved from Zwalm to Maarkedal
- 9630Zwalm, Bergstraat 12 → Bovenstraat 4 9680 Maarkedal
Analysis
Financial profile
4 of 5 axes measured56
/ 100
Mixed profile: strong on profitability, weaker on health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
10
Profitability
100
Solvency
35
Growth
-
Stability
79
Credit advice
verdict per customer and amountSimilar
Similar companies
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BE 0421.633.957 · Oudenaarde
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 469 of the 4,216 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Detailhandel in bloemen, planten, zaden en kunstmeststoffen47761Catering van evenementen56210Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | DEROVER |
Registered office
Bovenstraat 4
9680 Maarkedal, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.