Piet Dermaux
ActivePiet Dermaux is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €199k and a net result of €82k. Equity is growing by ~33.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 9863 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-09-2025, 40 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
40 d late
2023
on the day
2022
1 d late
2021
25 d late
2020
9 d early
2019
4 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€199k▲ 70.0%
2023 · €117k
2019: €40k
2020: €62k
2021: €105k
2022: €117k
2023: €117k
2019 → 2024
Net result
€82k▲ 50.9%
2023 · €54k
2019: €34k
2020: €22k
2021: €42k
2022: €62k
2023: €54k
2019 → 2024
Total assets
€426k▲ 24.9%
2023 · €341k
2019: €238k
2020: €271k
2021: €287k
2022: €354k
2023: €341k
2019 → 2024
Solvency
46.7%▲ 12.4pp
2023 · 34.3%
2019: 16.8%
2020: 22.9%
2021: 36.4%
2022: 33.1%
2023: 34.3%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€62k-€105k▲ 68.3%€117k▲ 12.1%€117k▼ 0.3%€199k▲ 70.0%
Operating result€32k-€60k▲ 90.2%€79k▲ 31.5%€68k▼ 14.4%€100k▲ 47.3%
Net result€22k-€42k▲ 92.5%€62k▲ 46.7%€54k▼ 12.9%€82k▲ 50.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 47% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €426k
Fixed assets
€149k▼ 15.8%
Current assets
€277k▲ 68.8%
Equity and liabilities €426k
Equity
€199k▲ 70.0%
Debt
€227k▲ 1.3%
The debt ratio falls from 65.7% to 53.3%: equity grows faster than debt.
Key figures and ratios
Solvency
46.7%▲
2023 · 34.3%
ROE
41.2%▼
2023 · 46.4%
ROA
19.2%▲
2023 · 15.9%
Debt
€227k▲
2023 · €224k
Debt ≤ 1 year
€117k▲
2023 · €101k
Debt > 1 year
€109k▼
2023 · €122k
Income taxes
€21k▲
2023 · €14k
Staff costs
€641
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€341k€426k▲
Fixed assets21/28€177k€149k▼
Tangible fixed assets22/27€177k€149k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€174k€147k▼
Current assets29/58€164k€277k▲
Amounts receivable after more than one year29€25k€0▼
Other amounts receivable291€25k€0▼
Amounts receivable within one year40/41€26k€131k▲
Trade receivables40€18k€101k▲
Other amounts receivable41€8k€31k▲
Current investments50/53€59k€71k▲
Cash at bank and in hand54/58€53k€72k▲
Deferred charges and accrued income490/1€474€3k▲
Equity and liabilities
Total equity and liabilities10/49€341k€426k▲
Equity10/15€117k€199k▲
Contributions10/11€19k€19k=
Reserves13€98k€98k=
Distributable reserves133€98k€98k=
Profit (loss) carried forward14€0€82k▲
Amounts payable17/49€224k€227k▲
Amounts payable after more than one year17€122k€109k▼
Financial debts170/4€122k€109k▼
Amounts payable within one year42/48€101k€117k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€10k€70k▲
Suppliers440/4€10k€70k▲
Taxes, remuneration and social security45€13k€34k▲
Taxes450/3€13k€34k▲
Other amounts payable47/48€65k€0▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20232024
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62-€641
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€86k€120k▲
Operating profit (loss)9901€68k€100k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€68k€103k▲
Income taxes67/77€14k€21k▲
Profit (loss) for the period9904€54k€82k▲
Profit (loss) for the period to be appropriated9905€54k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€82k▲
Profit (loss) brought forward from the previous period14P€315€0▼
Profit to be distributed694/7€55k€0▼
Return on contributions (dividend)694€55k€0▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Highest result since 2019net €82k ▲50.9%
Operating result €100k, net result €82k, both a record.
31-12
Financial
Equity above €150kEq €199k ▲70%
6 profitable years in a row build equity to €199k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €100kEq €105k ▲68.3%
3 profitable years in a row build equity to €105k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €22k ▼34.9%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
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, Wevelgem · 1 establishment unit since 2018
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.
Kortrijkstraat 718560 WevelgemGround area
310 m²
Building footprint
258 m²
Volume, LiDAR
2,481 m³
Parcel 34302B0822/00M000, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Laurence ROLAND
since 20182.277.227.725
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34302B0822/00M000 | Flanders | 310 m² | 1 · 258 m² | 14.1 m · 4 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.
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 · 4 entries · 2,517 EUR awarded · 2,517 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 403 EUR | 403 EUR |
| 2024 | 1 | 108 EUR | 108 EUR |
| 2023 | 1 | 1,800 EUR | 1,800 EUR |
| 2022 | 1 | 206 EUR | 206 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.