Summary
D.D.M. 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 €200,143 and a net result of -€3,000. Equity is growing by ~28.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 2444 sector peers (fiscal year 2025). The company has been active since 2015 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 17% of 2444 sector peers (2025).
NBB · sector comparisonPosition among 2444 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
16 d early
2022
1 d early
2021
on the day
2020
2 d early
2019
10 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before 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 (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 30 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, full schema
Equity
€200,143▼ 1.5%
2024 · €203,143
Net result
-€3,000
2024 · €735
Total assets
€993,087▲ 5.6%
2024 · €940,540
Solvency
20.2%▼ 1.4pp
2024 · 21.6%
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
Line20212022202320242025
Operating result€125,853€117,021▼ 7.0%€77,265▼ 34.0%€24,780▼ 67.9%€6,130▼ 75.3%
Net result€121,154within the sector's middle half€99,829within the sector's middle half▼ 17.6%€42,783within the sector's middle half▼ 57.1%€735within the sector's middle half▼ 98.3%-€3,000within the sector's middle half
Equity€59,796below the sector's middle half€159,625below the sector's middle half▲ 167%€202,408below the sector's middle half▲ 26.8%€203,143below the sector's middle half▲ 0.4%€200,143below the sector's middle half▼ 1.5%
Total assets€514,375below the sector's middle half▲ 32.4%€756,800below the sector's middle half▲ 47.1%€805,790below the sector's middle half▲ 6.5%€940,540below the sector's middle half▲ 16.7%€993,087below the sector's middle half▲ 5.6%
Debt€454,579▲ 1.1%€597,176▲ 31.4%€603,382▲ 1.0%€737,397▲ 22.2%€792,944▲ 7.5%
Working capital-€133,992within the sector's middle half▲ 43.4%-€221,859within the sector's middle half▼ 65.6%-€357,631within the sector's middle half▼ 61.2%-€379,474within the sector's middle half▼ 6.1%-€396,375within the sector's middle half▼ 4.5%
Solvency11.6%below the sector's middle half▲ 27.4pp21.1%below the sector's middle half▲ 9.5pp25.1%below the sector's middle half▲ 4.0pp21.6%below the sector's middle half▼ 3.5pp20.2%below the sector's middle half▼ 1.4pp
Current ratio0.52within the sector's middle half▲ 0.420.21below the sector's middle half▼ 0.310.20below the sector's middle half▼ 0.010.36within the sector's middle half▲ 0.160.40within the sector's middle half▲ 0.04
Return on assets (ROA)23.6%above the sector's middle half▲ 33.9pp13.2%above the sector's middle half▼ 10.4pp5.3%within the sector's middle half▼ 7.9pp0.1%within the sector's middle half▼ 5.2pp-0.3%below the sector's middle half▼ 0.4pp
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.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €993,087
Fixed assets
€728,448 ▲ 0.3%
Current assets
€264,639 ▲ 23.6%
Equity and liabilities €993,087
Equity
€200,143 ▼ 1.5%
Debt
€792,944 ▲ 7.5%
Debt's share of the balance-sheet total rises from 78.4% to 79.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.5%▼
2024 · 0.4%
Debt ≤ 1 year
€661,014▲
2024 · €593,667
Debt > 1 year
€131,929▼
2024 · €143,730
Income taxes
€5,383▼
2024 · €19,429
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,658 | €30,811 | €37,044 | €42,326 | €42,649 | ▲ 0.8% |
| Other operating charges640/8 | - | €1,698 | €2,984 | €3,263 | €3,263 | = |
| Gross operating margin9900 | €148,315 | €149,531 | €117,293 | €70,368 | €52,043 | ▼ 26.0% |
| Operating profit (loss)9901 | €125,853 | €117,021 | €77,265 | €24,780 | €6,130 | ▼ 75.3% |
| Financial income75/76B | - | €0 | - | - | - | - |
| Recurring financial income75 | - | €0 | - | - | - | - |
| Financial charges65/66B | - | €4,543 | €4,463 | €4,616 | €3,748 | ▼ 18.8% |
| Recurring financial charges65 | €4,699 | €4,543 | €4,463 | €4,616 | €3,748 | ▼ 18.8% |
| Profit (loss) for the period before taxes9903 | €121,154 | €112,479 | €72,801 | €20,164 | €2,383 | ▼ 88.2% |
| Income taxes67/77 | - | €12,650 | €30,018 | €19,429 | €5,383 | ▼ 72.3% |
| Profit (loss) for the period9904 | €121,154 | €99,829 | €42,783 | €735 | -€3,000 | ▼ 508% |
| Profit (loss) for the period to be appropriated9905 | €121,154 | €99,829 | €42,783 | €735 | -€3,000 | ▼ 508% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €514,375 | €756,800 | €805,790 | €940,540 | €993,087 | ▲ 5.6% |
| Fixed assets21/28 | €371,313 | €698,807 | €715,297 | €726,347 | €728,448 | ▲ 0.3% |
| Tangible fixed assets22/27 | €369,315 | €466,084 | €460,074 | €458,774 | €416,125 | ▼ 9.3% |
| Land and buildings22 | - | €284,031 | €275,107 | €266,183 | €257,259 | ▼ 3.4% |
| Plant, machinery and equipment23 | - | €182,053 | €184,967 | €191,377 | €157,952 | ▼ 17.5% |
| Furniture and vehicles24 | - | - | - | €1,214 | €914 | ▼ 24.7% |
| Financial fixed assets28 | €1,998 | €232,723 | €255,223 | €267,573 | €312,323 | ▲ 16.7% |
| Current assets29/58 | €143,062 | €57,993 | €90,493 | €214,193 | €264,639 | ▲ 23.6% |
| Amounts receivable within one year40/41 | €55,586 | €57,586 | €77,340 | €214,193 | €263,652 | ▲ 23.1% |
| Trade receivables40 | - | - | - | €29,808 | €25,563 | ▼ 14.2% |
| Other amounts receivable41 | - | €57,586 | €77,340 | €184,386 | €238,089 | ▲ 29.1% |
| Cash at bank and in hand54/58 | €87,476 | €407 | €13,153 | - | €987 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €514,375 | €756,800 | €805,790 | €940,540 | €993,087 | ▲ 5.6% |
| Equity10/15 | €59,796 | €159,625 | €202,408 | €203,143 | €200,143 | ▼ 1.5% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Share premium1100/10 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €20,460 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €39,336 | €139,165 | €181,948 | €182,683 | €179,683 | ▼ 1.6% |
| Amounts payable17/49 | €454,579 | €597,176 | €603,382 | €737,397 | €792,944 | ▲ 7.5% |
| Amounts payable after more than one year17 | €177,525 | €266,534 | €155,258 | €143,730 | €131,929 | ▼ 8.2% |
| Financial debts170/4 | - | €166,522 | €155,258 | €143,730 | €131,929 | ▼ 8.2% |
| Other amounts payable178/9 | - | €100,012 | - | - | - | - |
| Amounts payable within one year42/48 | €277,054 | €279,853 | €448,124 | €593,667 | €661,014 | ▲ 11.3% |
| Current portion of amounts payable after more than one year42 | - | €11,004 | €11,263 | €10,578 | €11,800 | ▲ 11.6% |
| Financial debts43 | - | - | - | €581 | - | - |
| Other loans439 | - | - | - | €581 | - | - |
| Trade debts44 | €4,957 | €10,183 | €5,853 | €1,474 | €3,214 | ▲ 118% |
| Suppliers440/4 | - | €10,183 | €5,853 | €1,474 | €3,214 | ▲ 118% |
| Taxes, remuneration and social security45 | - | €1,890 | - | - | - | - |
| Taxes450/3 | - | €1,890 | - | - | - | - |
| Other amounts payable47/48 | - | €256,776 | €431,007 | €581,035 | €646,000 | ▲ 11.2% |
| Accrued charges and deferred income492/3 | - | €50,789 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €121,154 | €99,829 | €42,783 | €735 | -€3,000 | ▼ 508% |
| + Depreciation and write-downs630 | €20,658 | €30,811 | €37,044 | €42,326 | €42,649 | ▲ 0.8% |
| Operating cash flow (approximation) | €141,812 | €130,640 | €79,827 | €43,061 | €39,649 | ▼ 7.9% |
| Investment in fixed assets (approximation) | - | -€358,305 | -€53,534 | -€53,376 | -€44,750 | ▲ 16.2% |
| Change in cash | - | -€87,069 | €12,746 | - | - | - |
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
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Equity above €200,000Eq €202,408 ▲26.8%
3 profitable years in a row build equity to €202,408.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Equity above €150,000Eq €159,625 ▲167%
2 profitable years in a row build equity to €159,625.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Back to profitnet €121,154
Net result €121,154 after 2 loss-making years.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Weakest financial yearnet -€39,991
Net result drops to -€39,991, the lowest in the series; recovery starts the following year.
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
21-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
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, Tournai · 1 establishment unit since 2015
Ground area
606 m²
Building footprint
86 m²
Volume, LiDAR
1,033 m³
2 parcels, Wallonia · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
D.D.M.
since 20152.244.022.249
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081I1004/00_000 | Wallonia | 347 m² | 1 · 76 m² | 14.2 m · 4 fl. |
| 57081I0644/00_000 | Wallonia | 259 m² | 1 · 9 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 59 companies in sector 64991 we hold annual accounts for 31. 18 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-07-2015
Fiscal year end30-06
Activities, NACEBEL 2025
64991Financial service activities, except insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0633559755
Also
9925:BE0633559755
Registered
07-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.