D.C.O.
ActiveSummary
D.C.O. has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €23k. Equity is growing by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 40% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability96▲+35
Solvency72▼-14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 2.29 in 2023; short-term debt: 52.9% and cash: 94.3% of total assets), but 52.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
47.1%
Return on assets
22.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
36 d early
2022
11 d early
2021
26 d early
2020
24 d early
2019
14 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€49k▼ 43.2%
2023 · €86k
2019: €29k
2020: €46k
2021: €97k
2022: €117k
2023: €86k
2019 → 2024
Total assets
€103k▼ 26.7%
2023 · €141k
2019: €195k
2020: €199k
2021: €238k
2022: €206k
2023: €141k
2019 → 2024
Net result
€23k
2023 · €-9k
2019: €11k
2020: €17k
2021: €51k
2022: €20k
2023: €-9k
2019 → 2024
Working capital
€47k▼ 32.4%
2023 · €69k
2019: €-10k
2020: €30k
2021: €76k
2022: €93k
2023: €69k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€46k-€97k▲ 109%€117k▲ 20.1%€86k▼ 26.6%€49k▼ 43.2%
Operating result€20k-€63k▲ 208%€27k▼ 57.4%€-8k€28k
Net result€17k-€51k▲ 199%€20k▼ 61.6%€-9k€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €28k after a loss of €8k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €103k
Fixed assets
€2k ▼ 89.3%
Current assets
€102k ▼ 17.4%
Equity and liabilities €103k
Equity
€49k ▼ 43.2%
Debt
€55k ▼ 1.2%
Debt's share of the balance-sheet total rises from 39.2% to 52.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€35k▼
2023 · €36k
Cash flow
€30k▼
2023 · €35k
Current ratio
1.86▼
2023 · 2.29
Debt to equity
1.12▲
2023 · 0.65
ROE
47.1%▲
2023 · -10.6%
ROA
22.2%▲
2023 · -6.5%
Interest coverage
70.32▲
2023 · 27.90
Debt ≤ 1 year
€55k▲
2023 · €54k
Income taxes
€5k▲
2023 · €163
Staff costs
€28k▼
2023 · €46k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€141k€103k▼
Formation expenses20€281€0▼
Fixed assets21/28€18k€2k▼
Intangible fixed assets21€6k€0▼
Tangible fixed assets22/27€12k€2k▼
Plant, machinery and equipment23€12k-
Furniture and vehicles24€0€2k▲
Current assets29/58€123k€102k▼
Stocks and contracts in progress3€18k-
Stocks30/36€18k-
Amounts receivable within one year40/41€212€4k▲
Trade receivables40€212€4k▲
Other amounts receivable41-€3
Cash at bank and in hand54/58€105k€98k▼
Equity and liabilities
Total equity and liabilities10/49€141k€103k▼
Equity10/15€86k€49k▼
Contributions10/11€19k€19k=
Reserves13€545€545=
Distributable reserves133€545€545=
Profit (loss) carried forward14€67k€30k▼
Amounts payable17/49€55k€55k▼
Amounts payable within one year42/48€54k€55k▲
Current portion of amounts payable after more than one year42€38k-
Trade debts44€2k€842▼
Suppliers440/4€2k€842▼
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€7k€5k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€4k€49k▲
Accrued charges and deferred income492/3€2k€25▼
Income statement
Code20232024
Remuneration, social security and pensions62€46k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€7k▼
Other operating charges640/8€910€929▲
Gross operating margin9900€83k€64k▼
Operating profit (loss)9901€-8k€28k▲
Financial income75/76B€92€2▼
Recurring financial income75€92€2▼
Financial charges65/66B€1k€501▼
Recurring financial charges65€1k€501▼
Profit (loss) for the period before taxes9903€-9k€28k▲
Income taxes67/77€163€5k▲
Profit (loss) for the period9904€-9k€23k▲
Profit (loss) for the period to be appropriated9905€-9k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€90k▲
Profit (loss) brought forward from the previous period14P€98k€67k▼
Profit to be distributed694/7€22k€60k▲
Return on contributions (dividend)694€22k€60k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-9k ▼147%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €117k ▲20.1%
4 profitable years in a row build equity to €117k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €51k ▲199%
Operating result €63k, net result €51k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 1.82
Current ratio from 0.78 to 1.82; short-term debt falls from €46k to €37k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pajottegem · 1 establishment unit since 2019
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.
Molenstraat 1171570 PajottegemGround area
803 m²
Building footprint
113 m²
Volume, LiDAR
452 m³
Parcel 23090A0022/00H000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
D.C.O.
since 20192.285.641.880
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23090A0022/00H000 | Flanders | 803 m² | 1 · 113 m² | 6.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,080 EUR awarded · 1,080 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,080 EUR | 1,080 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,048 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.