BEAURAING - DINANT SERVICES 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 €91k and a net result of €677. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 43% of 93 sector peers (fiscal year 2024). The company has been active since 1987 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 advice for your own amount and term
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 13-10-2025, 74 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
74 d late
2023
153 d late
2022
119 d late
2021
78 d late
2020
212 d late
2019
152 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€91k▼ 69.2%
2023 · €296k
2018: €128k
2019: €130k
2020: €130k
2021: €164k
2022: €64k
2023: €296k
2018 → 2024
Net result
€677▼ 99.7%
2023 · €232k
2018: €-6k
2019: €1k
2020: €-116
2021: €2k
2022: €-10k
2023: €232k
2018 → 2024
Total assets
€219k▼ 53.3%
2023 · €470k
2018: €386k
2019: €353k
2020: €523k
2021: €273k
2022: €227k
2023: €470k
2018 → 2024
Solvency
41.6%▼ 21.3pp
2023 · 63.0%
2018: 33.2%
2019: 36.7%
2020: 24.8%
2021: 60.2%
2022: 28.5%
2023: 63.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€130k-€164k▲ 26.9%€64k▼ 60.8%€296k▲ 359%€91k▼ 69.2%
Operating result€15k-€14k▼ 7.7%€7k▼ 50.2%€328k▲ 4,707%€6k▼ 98.1%
Net result€-116-€2k€-10k€232k€677▼ 99.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 98% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €219k
Fixed assets
€39k▼ 30.1%
Current assets
€181k▼ 56.4%
Equity and liabilities €219k
Equity
€91k▼ 69.2%
Debt
€128k▼ 26.4%
The debt ratio rises from 37.0% to 58.4%. Equity and debt are lower.
Key figures and ratios
Solvency
41.6%▼
2023 · 63.0%
ROE
0.7%▼
2023 · 78.2%
ROA
0.3%▼
2023 · 49.3%
Debt
€128k▼
2023 · €174k
Debt ≤ 1 year
€128k▼
2023 · €174k
Income taxes
€5k▼
2023 · €93k
Staff costs
€138k▼
2023 · €200k
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€470k€219k▼
Fixed assets21/28€55k€39k▼
Intangible fixed assets21€39k€30k▼
Tangible fixed assets22/27€14k€7k▼
Furniture and vehicles24€14k€7k▼
Financial fixed assets28€2k€2k=
Current assets29/58€415k€181k▼
Amounts receivable within one year40/41€230k€25k▼
Trade receivables40€2k€10k▲
Other amounts receivable41€228k€15k▼
Cash at bank and in hand54/58€181k€151k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€470k€219k▼
Equity10/15€296k€91k▼
Contributions10/11€50k€50k=
Capital10€50k€50k=
Issued capital100€50k€50k=
Reserves13€246k€41k▼
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Distributable reserves133€241k€36k▼
Amounts payable17/49€174k€128k▼
Amounts payable within one year42/48€174k€128k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€62k€12k▼
Suppliers440/4€62k€12k▼
Taxes, remuneration and social security45€108k€115k▲
Taxes450/3€99k€98k▼
Remuneration and social security454/9€9k€17k▲
Other amounts payable47/48€619€762▲
Income statement
Code20232024
Remuneration, social security and pensions62€200k€138k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€17k▼
Other operating charges640/8€12k€11k▼
Non-recurring operating charges66A-€26
Gross operating margin9900€562k€172k▼
Operating profit (loss)9901€328k€6k▼
Financial income75/76B€0€27▲
Recurring financial income75€0€27▲
Financial charges65/66B€4k€136▼
Recurring financial charges65€4k€136▼
Profit (loss) for the period before taxes9903€324k€6k▼
Income taxes67/77€93k€5k▼
Profit (loss) for the period9904€232k€677▼
Profit (loss) for the period to be appropriated9905€232k€677▼
Appropriation of the result
Profit (loss) to be appropriated9906€232k€677▼
Transfer from equity791/2-€206k
Transfer to equity691/2€232k€677▼
To other reserves6921€232k€677▼
Profit to be distributed694/7-€206k
Return on contributions (dividend)694-€206k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-12
Financial
Back to profitnet €232k
Net result €232k after one loss-making year.
31-12
Financial
Equity above €200kEq €296k ▲359%
Equity rises from €64k to €296k.
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 119 days late
2022
31-12
Financial
Weakest financial yearnet €-10k ▼637%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 78 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 212 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Equity above €150kEq €164k ▲26.9%
Equity rises from €130k to €164k.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 152 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1 day late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dinant · 2 establishment units since 1987
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.
Rue Grande 305500 DinantGround area
280 m²
Building footprint
231 m²
Volume, LiDAR
1,460 m³
2 parcels, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
BEAURAING-DINANT SERVICES SCRL
since 19872.030.623.338
Rue de Bouillon 64, 5570 Beauraing
since 19872.237.398.337
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034G0506/00E000 | Wallonia | 147 m² | 1 · 106 m² | - |
| 91013B0502/00R000 | Wallonia | 134 m² | 1 · 125 m² | 13.8 m · 4 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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FD & Wienog
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RENARDY - ROSSKAMP
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Of 95 companies in sector 65112 we hold annual accounts for 53. 43 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded27-04-1987
Fiscal year end31-12
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.