Summary
D&B CONSULTING 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 €40,274 and a net result of €53,144. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 27% of 8091 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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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 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
25 d late
2023
35 d early
2022
26 d early
2021
33 d early
2020
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 7 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 5 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€40,274▲ 8.5%
2024 · €37,130
Net result
€53,144▲ 0.3%
2024 · €52,974
Total assets
€173,959▼ 1.3%
2024 · €176,178
Solvency
23.2%▲ 2.1pp
2024 · 21.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€7,148€6,208€130,424▲ 2,001%€80,590▼ 38.2%€82,513▲ 2.4%
Net result-€10,826below the sector's middle half-€897below the sector's middle half▲ 91.7%€91,494above the sector's middle half€52,974within the sector's middle half▼ 42.1%€53,144within the sector's middle half▲ 0.3%
Equity€20,559below the sector's middle half▼ 34.5%€17,661below the sector's middle half▼ 14.1%€34,156below the sector's middle half▲ 93.4%€37,130below the sector's middle half▲ 8.7%€40,274within the sector's middle half▲ 8.5%
Total assets€211,973within the sector's middle half▲ 138%€177,248within the sector's middle half▼ 16.4%€177,109within the sector's middle half▼ 0.1%€176,178within the sector's middle half▼ 0.5%€173,959within the sector's middle half▼ 1.3%
Debt€191,414▲ 231%€159,586▼ 16.6%€142,953▼ 10.4%€139,048▼ 2.7%€133,684▼ 3.9%
Working capital€47,636within the sector's middle half€38,031within the sector's middle half▼ 20.2%€46,754within the sector's middle half▲ 22.9%€32,881within the sector's middle half▼ 29.7%€25,280within the sector's middle half▼ 23.1%
Solvency9.7%below the sector's middle half▼ 25.5pp10.0%below the sector's middle half▲ 0.3pp19.3%below the sector's middle half▲ 9.3pp21.1%below the sector's middle half▲ 1.8pp23.2%within the sector's middle half▲ 2.1pp
Current ratio1.52within the sector's middle half▲ 1.301.54within the sector's middle half▲ 0.021.72within the sector's middle half▲ 0.181.45within the sector's middle half▼ 0.261.32within the sector's middle half▼ 0.13
Return on assets (ROA)-5.1%below the sector's middle half▼ 29.1pp-0.5%below the sector's middle half▲ 4.6pp51.7%above the sector's middle half▲ 52.2pp30.1%above the sector's middle half▼ 21.6pp30.6%above the sector's middle half▲ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173,959
Fixed assets
€70,076 ▼ 1.0%
Current assets
€103,882 ▼ 1.4%
Equity and liabilities €173,959
Equity
€40,274 ▲ 8.5%
Debt
€133,684 ▼ 3.9%
Debt's share of the balance-sheet total falls from 78.9% to 76.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
132.0%▼
2024 · 142.7%
Debt ≤ 1 year
€78,603▲
2024 · €72,492
Debt > 1 year
€55,015▼
2024 · €66,490
Income taxes
€23,659▼
2024 · €23,705
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,000 | €4,000 | €4,290 | €4,366 | €728 | ▼ 83.3% |
| Other operating charges640/8 | €1,553 | €1,411 | €3,102 | €2,479 | €2,394 | ▼ 3.4% |
| Gross operating margin9900 | -€1,595 | €11,619 | €137,816 | €87,435 | €85,634 | ▼ 2.1% |
| Operating profit (loss)9901 | -€7,148 | €6,208 | €130,424 | €80,590 | €82,513 | ▲ 2.4% |
| Financial income75/76B | - | - | - | - | €5 | - |
| Recurring financial income75 | - | - | - | - | €5 | - |
| Financial charges65/66B | €2,660 | €3,439 | €2,990 | €3,910 | €5,714 | ▲ 46.1% |
| Recurring financial charges65 | €2,660 | €3,439 | €2,990 | €3,910 | €5,714 | ▲ 46.1% |
| Profit (loss) for the period before taxes9903 | -€9,809 | €2,769 | €127,434 | €76,679 | €76,803 | ▲ 0.2% |
| Income taxes67/77 | €1,017 | €3,667 | €35,940 | €23,705 | €23,659 | ▼ 0.2% |
| Profit (loss) for the period9904 | -€10,826 | -€897 | €91,494 | €52,974 | €53,144 | ▲ 0.3% |
| Profit (loss) for the period to be appropriated9905 | -€10,826 | -€897 | €91,494 | €52,974 | €53,144 | ▲ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €211,973 | €177,248 | €177,109 | €176,178 | €173,959 | ▼ 1.3% |
| Fixed assets21/28 | €72,362 | €68,362 | €65,171 | €70,804 | €70,076 | ▼ 1.0% |
| Tangible fixed assets22/27 | €12,362 | €8,362 | €5,171 | €804 | €76 | ▼ 90.5% |
| Furniture and vehicles24 | €12,362 | €8,362 | €5,171 | €804 | €76 | ▼ 90.5% |
| Financial fixed assets28 | €60,000 | €60,000 | €60,000 | €70,000 | €70,000 | = |
| Current assets29/58 | €139,611 | €108,886 | €111,938 | €105,373 | €103,882 | ▼ 1.4% |
| Amounts receivable within one year40/41 | €125,795 | €108,495 | €96,339 | €90,453 | €88,607 | ▼ 2.0% |
| Trade receivables40 | €124,070 | €108,495 | €96,339 | €84,158 | €81,107 | ▼ 3.6% |
| Other amounts receivable41 | €1,726 | - | - | €6,295 | €7,500 | ▲ 19.1% |
| Cash at bank and in hand54/58 | €12,293 | €392 | €12,971 | €8,687 | €11,928 | ▲ 37.3% |
| Deferred charges and accrued income490/1 | €1,523 | - | €2,628 | €6,233 | €3,348 | ▼ 46.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €211,973 | €177,248 | €177,109 | €176,178 | €173,959 | ▼ 1.3% |
| Equity10/15 | €20,559 | €17,661 | €34,156 | €37,130 | €40,274 | ▲ 8.5% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €10,559 | €7,661 | €24,156 | €27,130 | €30,274 | ▲ 11.6% |
| Amounts payable17/49 | €191,414 | €159,586 | €142,953 | €139,048 | €133,684 | ▼ 3.9% |
| Amounts payable after more than one year17 | €99,382 | €88,668 | €77,705 | €66,490 | €55,015 | ▼ 17.3% |
| Financial debts170/4 | €99,382 | €88,668 | €77,705 | €66,490 | €55,015 | ▼ 17.3% |
| Amounts payable within one year42/48 | €91,976 | €70,855 | €65,184 | €72,492 | €78,603 | ▲ 8.4% |
| Current portion of amounts payable after more than one year42 | €10,472 | €10,714 | €10,962 | €11,216 | €11,497 | ▲ 2.5% |
| Financial debts43 | - | - | - | €450 | €1,146 | ▲ 155% |
| Credit institutions430/8 | - | - | - | €450 | €1,146 | ▲ 155% |
| Trade debts44 | €10,140 | €2,953 | €1,244 | €8,560 | €3,552 | ▼ 58.5% |
| Suppliers440/4 | €10,140 | €2,953 | €1,244 | €8,560 | €3,552 | ▼ 58.5% |
| Taxes, remuneration and social security45 | €4,186 | €5,084 | €15,857 | €7,500 | €6,159 | ▼ 17.9% |
| Taxes450/3 | €4,186 | €5,084 | €15,857 | €7,500 | €6,159 | ▼ 17.9% |
| Other amounts payable47/48 | €67,178 | €52,105 | €37,121 | €44,767 | €56,249 | ▲ 25.6% |
| Accrued charges and deferred income492/3 | €57 | €64 | €64 | €66 | €67 | ▲ 2.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,826 | -€897 | €91,494 | €52,974 | €53,144 | ▲ 0.3% |
| + Depreciation and write-downs630 | €4,000 | €4,000 | €4,290 | €4,366 | €728 | ▼ 83.3% |
| Operating cash flow (approximation) | -€6,826 | €3,103 | €95,784 | €57,341 | €53,872 | ▼ 6.0% |
| Investment in fixed assets (approximation) | - | €0 | -€1,099 | -€10,000 | €0 | ▲ 100% |
| Change in cash | - | -€11,901 | €12,579 | -€4,284 | €3,241 | ▲ 176% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €91,494
Net result €91,494 after 2 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€10,826
Net result drops to -€10,826, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 1.52
Current ratio from 0.22 to 1.52.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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 2020
Ground area
945 m²
Building footprint
191 m²
Volume, LiDAR
875 m³
Parcel 45041B1236/00D000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
D&B CONSULTING
since 20202.299.091.327
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041B1236/00D000 | Flanders | 945 m² | 1 · 191 m² | 7.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
33%
-
10%
According to the 2025 annual accounts of D&B CONSULTING and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
984500IDCC9C4E13D046
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Identification & contact
Identification
Legal formPrivate limited company
Founded04-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0742885485
Also
9925:BE0742885485
Registered
29-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.