D & D
ActiveSummary
D & D is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (-€32,769) and a net result of €13,098. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 9872 sector peers (fiscal year 2024). The company has been active since 1999 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9872 sector peers (2024).
NBB · sector comparisonPosition among 9872 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-09-2025, 39 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
39 d late
2023
30 d late
2022
31 d late
2021
16 d late
2020
61 d late
2019
92 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 45 days after 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 (1)
History
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Financials · fiscal year 2024, micro schema
Equity
-€32,769▲ 28.6%
2023 · -€45,867
Net result
€13,098▼ 60.5%
2023 · €33,193
Total assets
€21,825▲ 500%
2023 · €3,638
Solvency
-150.1%▲ 1110.5pp
2023 · -1260.7%
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
Line20202021202220232024
Operating result-€944▲ 49.9%-€1,388▼ 47.1%€16,346€33,240▲ 103%€13,202▼ 60.3%
Net result-€967below the sector's middle half▲ 57.6%-€1,409below the sector's middle half▼ 45.7%€16,321within the sector's middle half€33,193within the sector's middle half▲ 103%€13,098within the sector's middle half▼ 60.5%
Equity-€93,972below the sector's middle half▼ 1.0%-€95,382below the sector's middle half▼ 1.5%-€79,061below the sector's middle half▲ 17.1%-€45,867below the sector's middle half▲ 42.0%-€32,769below the sector's middle half▲ 28.6%
Total assets€349below the sector's middle half▲ 0.8%€529below the sector's middle half▲ 51.8%€1,625below the sector's middle half▲ 207%€3,638below the sector's middle half▲ 124%€21,825below the sector's middle half▲ 500%
Debt€94,321▲ 1.0%€95,911▲ 1.7%€80,686▼ 15.9%€49,506▼ 38.6%€54,594▲ 10.3%
Working capital-€94,317below the sector's middle half▼ 1.0%-€95,727below the sector's middle half▼ 1.5%-€79,061below the sector's middle half▲ 17.4%-€45,867below the sector's middle half▲ 42.0%-€32,769below the sector's middle half▲ 28.6%
Solvency-26948.5%below the sector's middle half▼ 64.6pp-18023.4%below the sector's middle half▲ 8925.1pp-4864.0%below the sector's middle half▲ 13159.4pp-1260.7%below the sector's middle half▲ 3603.3pp-150.1%below the sector's middle half▲ 1110.5pp
Current ratio0.40below the sector's middle half
Return on assets (ROA)60.0%above the sector's middle half
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 falls in 2024; 2024 is 60% below 2023.
Key figures and ratios
Debt ≤ 1 year
€54,594▲
2023 · €49,506
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €348 | €1,209 | €384 | €658 | ▲ 71.1% |
| Gross operating margin9900 | -€944 | -€1,041 | €17,555 | €33,624 | €13,860 | ▼ 58.8% |
| Operating profit (loss)9901 | -€944 | -€1,388 | €16,346 | €33,240 | €13,202 | ▼ 60.3% |
| Financial charges65/66B | - | €21 | €25 | €47 | €103 | ▲ 122% |
| Recurring financial charges65 | €24 | €21 | €25 | €47 | €103 | ▲ 122% |
| Profit (loss) for the period before taxes9903 | -€967 | -€1,409 | €16,321 | €33,193 | €13,098 | ▼ 60.5% |
| Profit (loss) for the period9904 | -€967 | -€1,409 | €16,321 | €33,193 | €13,098 | ▼ 60.5% |
| Profit (loss) for the period to be appropriated9905 | -€967 | -€1,409 | €16,321 | €33,193 | €13,098 | ▼ 60.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €349 | €529 | €1,625 | €3,638 | €21,825 | ▲ 500% |
| Fixed assets21/28 | €345 | €345 | €0 | - | - | - |
| Tangible fixed assets22/27 | €0 | €0 | €0 | - | - | - |
| Plant, machinery and equipment23 | - | €0 | €0 | - | - | - |
| Financial fixed assets28 | €345 | €345 | €0 | - | - | - |
| Current assets29/58 | €4 | €184 | €1,625 | €3,638 | €21,825 | ▲ 500% |
| Amounts receivable within one year40/41 | - | €182 | €0 | €3,630 | €21,780 | ▲ 500% |
| Trade receivables40 | - | €182 | €0 | €3,630 | €21,780 | ▲ 500% |
| Other amounts receivable41 | - | - | - | - | €0 | - |
| Cash at bank and in hand54/58 | €4 | €3 | €1,625 | €8 | €45 | ▲ 436% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €349 | €529 | €1,625 | €3,638 | €21,825 | ▲ 500% |
| Equity10/15 | -€93,972 | -€95,382 | -€79,061 | -€45,867 | -€32,769 | ▲ 28.6% |
| Contributions10/11 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €10,736 | €10,736 | €10,736 | €10,736 | €10,736 | = |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves not available under the articles1311 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | €4,536 | €4,536 | €4,536 | €4,536 | = |
| Profit (loss) carried forward14 | -€166,708 | -€168,117 | -€151,796 | -€118,603 | -€105,504 | ▲ 11.0% |
| Amounts payable17/49 | €94,321 | €95,911 | €80,686 | €49,506 | €54,594 | ▲ 10.3% |
| Amounts payable within one year42/48 | €94,321 | €95,911 | €80,686 | €49,506 | €54,594 | ▲ 10.3% |
| Trade debts44 | €762 | €995 | €388 | €1,075 | €1,533 | ▲ 42.6% |
| Suppliers440/4 | - | €995 | €0 | €1,075 | €1,533 | ▲ 42.6% |
| Bills of exchange payable441 | - | - | €388 | - | - | - |
| Taxes, remuneration and social security45 | - | - | €1,890 | €1,525 | €0 | ▼ 100% |
| Taxes450/3 | - | - | €1,890 | €1,525 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €94,916 | €78,408 | €46,905 | €53,061 | ▲ 13.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€967 | -€1,409 | €16,321 | €33,193 | €13,098 | ▼ 60.5% |
| Operating cash flow (approximation) | -€967 | -€1,409 | €16,321 | €33,193 | €13,098 | ▼ 60.5% |
| Investment in fixed assets (approximation) | - | €0 | €345 | - | - | - |
| Change in cash | - | -€1 | €1,623 | -€1,617 | €36 | ▲ 102% |
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
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €33,193 ▲103%
Operating result €33,240, net result €33,193, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €16,321
Net result €16,321 after 3 loss-making years.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Weakest financial yearnet -€2,283
Net result drops to -€2,283, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Houyet · 1 establishment unit since 1999
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.
Rte du Bois-de-Chaleux, Huls. 15560 HouyetGround area
1,031 m²
Building footprint
177 m²
Volume, LiDAR
827 m³
Parcel 22005A0221/00X000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D en D
since 19992.136.461.028
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0221/00X000 | Flanders | 1,031 m² | 1 · 177 m² | 7.3 m · 2 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-01-1999
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
81100Combined facilities support activities
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.