D.C.C.
ActiveD.C.C. has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €3k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 7331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-2
Solvency47▲+16
Growth57=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.89 against 1.13 in 2024; short-term debt: 47.1% and cash: 3.7% of total assets), and 78.5% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
21.5%
Return on assets
2.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
29 d late
2023
20 d late
2022
21 d late
2021
45 d late
2020
26 d early
2019
61 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€158k▲ 36.0%
2020 · €116k
2018: €184k
2019: €169k
2020: €116k
2018 → 2021
EBIT margin
1.3%▼ 2.0pp
2020 · 3.3%
2018: -5.6%
2019: -3.9%
2020: 3.3%
2018 → 2021
Net result
€3k▼ 82.3%
2024 · €17k
2018: €-15k
2019: €-7k
2020: €2k
2021: €-3k
2022: €10k
2023: €4k
2024: €17k
2018 → 2025
Working capital
€-7k
2024 · €34k
2018: €14k
2019: €-10k
2020: €-1k
2021: €671
2022: €-1k
2023: €5k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€158k-
Equity€13k-€23k▲ 82.3%€26k▲ 11.1%€24k▼ 7.2%€27k▲ 12.5%
Operating result€2k-€14k▲ 601%€13k▼ 8.2%€30k▲ 128%€19k▼ 35.1%
Net result€-3k-€10k€4k▼ 65.3%€17k▲ 366%€3k▼ 82.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€72k▼ 10.0%
Current assets
€52k▼ 82.6%
Equity and liabilities €124k
Equity
€27k▲ 12.5%
Debt
€97k▼ 72.5%
The debt ratio falls from 93.7% to 78.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2024 · €38k
Cash flow
€22k▼
2024 · €24k
Solvency
21.5%▲
2024 · 6.3%
Current ratio
0.89▼
2024 · 1.13
Quick ratio
0.89▼
2024 · 0.96
Debt / equity
3.65▼
2024 · 14.95
ROE
11.1%▼
2024 · 70.8%
ROA
2.4%▼
2024 · 4.4%
Interest coverage
7.59▼
2024 · 11.40
Debt
€97k▼
2024 · €354k
Debt ≤ 1 year
€58k▼
2024 · €263k
Debt > 1 year
€39k▼
2024 · €61k
Income taxes
€11k▲
2024 · €10k
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€378k€124k▼
Fixed assets21/28€80k€72k▼
Tangible fixed assets22/27€80k€72k▼
Furniture and vehicles24€80k€69k▼
Other tangible fixed assets26-€3k
Current assets29/58€297k€52k▼
Stocks and contracts in progress3€44k-
Stocks30/36€44k-
Amounts receivable within one year40/41€246k€45k▼
Trade receivables40€246k€37k▼
Other amounts receivable41-€9k
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€378k€124k▼
Equity10/15€24k€27k▲
Profit (loss) carried forward14€24k€27k▲
Amounts payable17/49€354k€97k▼
Amounts payable after more than one year17€61k€39k▼
Financial debts170/4€61k€39k▼
Amounts payable within one year42/48€263k€58k▼
Current portion of amounts payable after more than one year42€30k€22k▼
Trade debts44€131k€15k▼
Suppliers440/4€131k€15k▼
Taxes, remuneration and social security45€29k€21k▼
Taxes450/3€29k€21k▼
Other amounts payable47/48€73k-
Accrued charges and deferred income492/3€30k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€19k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€13k-
Gross operating margin9900€53k€40k▼
Operating profit (loss)9901€30k€19k▼
Financial income75/76B€130€2▼
Recurring financial income75€130€2▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€27k€14k▼
Income taxes67/77€10k€11k▲
Profit (loss) for the period9904€17k€3k▼
Profit (loss) for the period to be appropriated9905€17k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€27k▲
Profit (loss) brought forward from the previous period14P€7k€24k▲
The notes to these accounts (5 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €17k ▲366%
Operating result €30k, net result €17k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Keerbergen · 1 establishment unit since 1979
Ground area
3,042 m²
Building footprint
278 m²
Volume, LiDAR
2,591 m³
Parcel 24472F0358/00A002, Flanders · tallest building 23.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ganzendreef 24, 3140 Keerbergen
since 19792.015.878.744
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0358/00A002 | Flanders | 3,042 m² | 1 · 278 m² | 23.3 m · 3 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.
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,194 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-1979
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43350Other building finishing work
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.