D&D 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 €85k and a net result of €12k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 2423 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
11 d late
2023
26 d late
2022
10 d late
2021
3 d early
2020
9 d early
2019
39 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 15.7%
2024 · €74k
2018: €22k
2019: €25k
2020: €31k
2021: €24k
2022: €52k
2023: €57k
2024: €74k
2018 → 2025
Net result
€12k▼ 29.7%
2024 · €17k
2018: €-4k
2019: €3k
2020: €5k
2021: €-6k
2022: €28k
2023: €5k
2024: €17k
2018 → 2025
Total assets
€249k▲ 13.0%
2024 · €220k
2018: €95k
2019: €92k
2020: €87k
2021: €73k
2022: €221k
2023: €251k
2024: €220k
2018 → 2025
Solvency
34.3%▲ 0.8pp
2024 · 33.5%
2018: 22.9%
2019: 27.4%
2020: 35.3%
2021: 33.6%
2022: 23.7%
2023: 22.8%
2024: 33.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€52k▲ 114%€57k▲ 9.4%€74k▲ 28.8%€85k▲ 15.7%
Operating result€-6k-€50k€12k▼ 76.3%€31k▲ 166%€24k▼ 23.2%
Net result€-6k-€28k€5k▼ 82.4%€17k▲ 235%€12k▼ 29.7%
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 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€211k▲ 10.5%
Current assets
€38k▲ 29.1%
Equity and liabilities €249k
Equity
€85k▲ 15.7%
Debt
€163k▲ 11.7%
The debt ratio falls from 66.5% to 65.7%. Equity and debt are higher.
Key figures and ratios
Solvency
34.3%▲
2024 · 33.5%
ROE
13.6%▼
2024 · 22.3%
ROA
4.7%▼
2024 · 7.5%
Debt
€163k▲
2024 · €146k
Debt ≤ 1 year
€108k▲
2024 · €63k
Debt > 1 year
€55k▼
2024 · €83k
Income taxes
€8k▼
2024 · €9k
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€220k€249k▲
Fixed assets21/28€191k€211k▲
Tangible fixed assets22/27€48k€26k▼
Land and buildings22€0-
Furniture and vehicles24€45k€24k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€143k€185k▲
Current assets29/58€30k€38k▲
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Amounts receivable within one year40/41€2k€744▼
Trade receivables40€690€744▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€3k€12k▲
Deferred charges and accrued income490/1€64€71▲
Equity and liabilities
Total equity and liabilities10/49€220k€249k▲
Equity10/15€74k€85k▲
Contributions10/11€6k€6k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€18k€29k▲
Amounts payable17/49€146k€163k▲
Amounts payable after more than one year17€83k€55k▼
Financial debts170/4€83k€55k▼
Amounts payable within one year42/48€63k€108k▲
Current portion of amounts payable after more than one year42€27k€28k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€3k€10k▲
Suppliers440/4€3k€10k▲
Taxes, remuneration and social security45€22k€34k▲
Taxes450/3€22k€34k▲
Other amounts payable47/48€11k€36k▲
Accrued charges and deferred income492/3€600€428▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼
Other operating charges640/8€343€592▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€54k€48k▼
Operating profit (loss)9901€31k€24k▼
Financial income75/76B€734€424▼
Recurring financial income75€734€424▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€26k€19k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€17k€12k▼
Profit (loss) for the period to be appropriated9905€17k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€29k▲
Profit (loss) brought forward from the previous period14P€1k€18k▲
Transfer to equity691/2€0-
To other reserves6921€0-
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-6k ▼214%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making 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
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Incourt
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.
Rue de Longpré 151315 IncourtGround area
994 m²
Building footprint
74 m²
Volume, LiDAR
458 m³
Parcel 25043A0313/00D000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25043A0313/00D000 | Wallonia | 994 m² | 1 · 74 m² | 7.4 m · 2 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.
Similar companies · same sector, comparable size
AGENCY M.T. CONSULTING
BE 1006.610.669
Oosterzele · Eq €85k
HOLDES
BE 0889.088.538
Rixensart · Eq €84k
WIKIMO
BE 0444.331.165
Sint-Lambrechts-Woluwe · Eq €86k
Adsea Engineering
BE 0789.966.218
Bertrix · Eq €84k
CENTRE DE SERVICES MV CONSULT
BE 0478.703.710
Ittre · Eq €84k
Of 853 companies in sector 66210 we hold annual accounts for 511. 440 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2011
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.