D.B.D.
ActiveD.B.D. has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €23k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 21% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
71
/ 100
Healthy▲ +49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency46▲+4
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.14 in 2024), but 80.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
19.2%
Return on assets
4.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 27386 sector peers (2025).
NBB · sector comparisonPosition among 27386 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 8 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
44 d early
2022
49 d early
2021
31 d early
2020
29 d early
2019
35 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 33.5%
2024 · €68k
2018: €17k
2019: €18k
2020: €35k
2021: €42k
2022: €67k
2023: €82k
2024: €68k
2018 → 2025
Total assets
€473k▼ 10.0%
2024 · €525k
2018: €202k
2019: €222k
2020: €218k
2021: €185k
2022: €219k
2023: €254k
2024: €525k
2018 → 2025
Net result
€23k
2024 · €-14k
2018: €4k
2019: €743
2020: €17k
2021: €630
2022: €26k
2023: €15k
2024: €-14k
2018 → 2025
Working capital
€187k▼ 11.9%
2024 · €212k
2018: €-56k
2019: €-45k
2020: €-13k
2021: €-2k
2022: €36k
2023: €32k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€67k▲ 62.1%€82k▲ 22.1%€68k▼ 17.4%€91k▲ 33.5%
Operating result€3k-€35k▲ 1,101%€25k▼ 28.7%€2k▼ 91.5%€28k▲ 1,245%
Net result€630-€26k▲ 3,999%€15k▼ 42.3%€-14k€23k
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 1,245% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €473k
Fixed assets
€103k▼ 19.1%
Current assets
€370k▼ 7.0%
Equity and liabilities €473k
Equity
€91k▲ 33.5%
Debt
€382k▼ 16.4%
The debt ratio falls from 87.0% to 80.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€55k▲
2024 · €16k
Cash flow
€49k▲
2024 · €45
Solvency
19.2%▲
2024 · 13.0%
Current ratio
2.02▼
2024 · 2.14
Quick ratio
0.28▲
2024 · 0.16
Debt / equity
4.21▼
2024 · 6.72
ROE
25.1%▲
2024 · -21.0%
ROA
4.8%▲
2024 · -2.7%
Interest coverage
4.85▲
2024 · 1.04
Debt
€382k▼
2024 · €457k
Debt ≤ 1 year
€183k▼
2024 · €186k
Debt > 1 year
€196k▼
2024 · €268k
Income taxes
€6k▲
2024 · €559
Staff costs
€22k▲
2024 · €5k
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€525k€473k▼
Fixed assets21/28€127k€103k▼
Intangible fixed assets21€22k€14k▼
Tangible fixed assets22/27€105k€89k▼
Land and buildings22€50k€46k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€50k€40k▼
Current assets29/58€398k€370k▼
Stocks and contracts in progress3€368k€319k▼
Stocks30/36€368k€319k▼
Amounts receivable within one year40/41€6k€36k▲
Trade receivables40€6k€32k▲
Other amounts receivable41€0€4k▲
Cash at bank and in hand54/58€23k€14k▼
Deferred charges and accrued income490/1-€454
Equity and liabilities
Total equity and liabilities10/49€525k€473k▼
Equity10/15€68k€91k▲
Contributions10/11€19k€19k=
Reserves13€224€224=
Distributable reserves133€224€224=
Profit (loss) carried forward14€49k€72k▲
Amounts payable17/49€457k€382k▼
Amounts payable after more than one year17€268k€196k▼
Financial debts170/4€259k€196k▼
Trade debts175€8k€0▼
Amounts payable within one year42/48€186k€183k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Financial debts43-€23k
Credit institutions430/8-€23k
Trade debts44€2k€897▼
Suppliers440/4€2k€897▼
Taxes, remuneration and social security45€6k€17k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€3k€10k▲
Other amounts payable47/48€164k€129k▼
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€5k€22k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€27k▲
Other operating charges640/8€41k€2k▼
Gross operating margin9900€63k€79k▲
Operating profit (loss)9901€2k€28k▲
Financial income75/76B-€12k
Recurring financial income75-€12k
Financial charges65/66B€16k€11k▼
Recurring financial charges65€16k€11k▼
Profit (loss) for the period before taxes9903€-14k€29k▲
Income taxes67/77€559€6k▲
Profit (loss) for the period9904€-14k€23k▲
Profit (loss) for the period to be appropriated9905€-14k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€72k▲
Profit (loss) brought forward from the previous period14P€63k€49k▼
The notes to these accounts (13 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-14k ▼196%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €26k ▲3999%
Operating result €35k, net result €26k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Lennik · 1 establishment unit since 2017
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.
Frans Van der Steenstraat 111750 LennikGround area
1,811 m²
Building footprint
360 m²
Volume, LiDAR
1,663 m³
2 parcels, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
D.B.D
since 20172.291.292.626
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23075B0086/00Y000 | Flanders | 1,385 m² | 1 · 360 m² | 8.2 m · 1 fl. |
| 23072E0359/00G000 | Flanders | 425 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,000 EUR awarded · 1,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
2 live approvalsBinnen- en buitenschrijnwerk duaal (so)
Interieurbouwer duaal (so)
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 7,650 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2017
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.