DESCHAUMES
ActiveDESCHAUMES has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €885k and a net result of €128k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (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▼-4
Solvency100▲+1
Growth63=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 4.32 against 3.29 in 2024; short-term debt: 19.1% and cash: 21.2% of total assets), and 19.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
80.1%
Return on assets
11.6%
Age of the figures
9 mo
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 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
on the day
2023
1 d early
2022
13 d early
2021
106 d late
2020
122 d late
2019
122 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2.53M▲ 0.6%
2020 · €2.51M
2020: €2.51M
2020 → 2021
EBIT margin
7.0%▼ 1.1pp
2020 · 8.1%
2020: 8.1%
2020 → 2021
Net result
€128k▼ 14.2%
2024 · €150k
2018: €93k
2019: €91k
2020: €142k
2021: €120k
2022: €60k
2023: €175k
2024: €150k
2018 → 2025
Working capital
€700k▲ 28.7%
2024 · €543k
2018: €372k
2019: €313k
2020: €353k
2021: €507k
2022: €590k
2023: €576k
2024: €543k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.53M-
Equity€740k-€800k▲ 8.1%€817k▲ 2.1%€756k▼ 7.5%€885k▲ 17.0%
Operating result€176k-€86k▼ 51.0%€254k▲ 194%€222k▼ 12.6%€187k▼ 15.7%
Net result€120k-€60k▼ 50.2%€175k▲ 192%€150k▼ 14.3%€128k▼ 14.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€194k▼ 20.9%
Current assets
€911k▲ 16.6%
Equity and liabilities €1.10M
Equity
€885k▲ 17.0%
Debt
€220k▼ 18.5%
The debt ratio falls from 26.3% to 19.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€239k▼
2024 · €275k
Cash flow
€180k▼
2024 · €203k
Solvency
80.1%▲
2024 · 73.7%
Current ratio
4.32▲
2024 · 3.29
Quick ratio
2.86▲
2024 · 2.08
Debt / equity
0.25▼
2024 · 0.36
ROE
14.5%▼
2024 · 19.8%
ROA
11.6%▼
2024 · 14.6%
Interest coverage
31.69▲
2024 · 28.52
Debt
€220k▼
2024 · €270k
Debt ≤ 1 year
€211k▼
2024 · €237k
Debt > 1 year
€9k▼
2024 · €33k
Income taxes
€56k▼
2024 · €65k
Staff costs
€158k▼
2024 · €159k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€1.10M▲
Fixed assets21/28€245k€194k▼
Tangible fixed assets22/27€240k€189k▼
Land and buildings22€139k€118k▼
Plant, machinery and equipment23€37k€25k▼
Furniture and vehicles24€64k€46k▼
Financial fixed assets28€5k€5k=
Current assets29/58€781k€911k▲
Stocks and contracts in progress3€287k€308k▲
Stocks30/36€287k€308k▲
Amounts receivable within one year40/41€14k€32k▲
Trade receivables40€7k€27k▲
Other amounts receivable41€7k€5k▼
Current investments50/53€335k€335k=
Cash at bank and in hand54/58€136k€235k▲
Deferred charges and accrued income490/1€8k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.10M▲
Equity10/15€756k€885k▲
Contributions10/11€19k€19k=
Reserves13€734k€862k▲
Distributable reserves133€734k€862k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€270k€220k▼
Amounts payable after more than one year17€33k€9k▼
Financial debts170/4€33k€9k▼
Amounts payable within one year42/48€237k€211k▼
Current portion of amounts payable after more than one year42€25k€24k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€139k€135k▼
Suppliers440/4€139k€135k▼
Taxes, remuneration and social security45€66k€40k▼
Taxes450/3€48k€25k▼
Remuneration and social security454/9€19k€16k▼
Other amounts payable47/48€7k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€159k€158k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€51k▼
Other operating charges640/8€15k€16k▲
Gross operating margin9900€450k€413k▼
Operating profit (loss)9901€222k€187k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€214k€185k▼
Income taxes67/77€65k€56k▼
Profit (loss) for the period9904€150k€128k▼
Profit (loss) for the period to be appropriated9905€150k€128k▼
Appropriation of the result
Profit (loss) to be appropriated9906€153k€132k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2€211k€0▼
Transfer to equity691/2€150k€128k▼
To other reserves6921€150k€128k▼
Profit to be distributed694/7€211k€0▼
Return on contributions (dividend)694€211k€0▼
Social balance
Average headcount (FTE)90874.04.0=
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €175k ▲192%
Operating result €254k, net result €175k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €60k ▼50.2%
Net result drops to €60k, the lowest in the series; recovery starts the following year.
14-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 106 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 122 days late
2020
31-12
Financial
Equity above €500kEq €620k ▲29.6%
3 profitable years in a row build equity to €620k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 75 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 92 days late
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 70 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, Ronse · 1 establishment unit since 2008
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.
Elzeelsesteenweg 1679600 RonseGround area
2,914 m²
Building footprint
1,719 m²
Volume, LiDAR
7,080 m³
Parcel 45422C0420/00W009, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Elzeelsesteenweg 167, 9600 Ronse
since 20082.175.107.412
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C0420/00W009 | Flanders | 2,914 m² | 1 · 1,719 m² | 5.9 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteRonse/Renaix2.175.107.412
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Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 698 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2008
Fiscal year end31-12
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.