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D-FACCTO

Active
Private limited companyfounded 20232 yrs activeNaamsesteenweg 121, 3001 Leuven, BelgiumKBO/BCE: BE 1001.368.315
Summary

D-FACCTO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €35,111 and a net result of €38,711. The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2024
Axes
Profitability76
Solvency30
Growth-
Track record67
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 0.28; short-term debt: 46% and cash: 2.4% of total assets), and 94.8% of the assets are financed with debt.
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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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
5.2%
Return on assets
5.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-06-2026, 40 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
40 d early
2024
19 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 30 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 18 October 2023, D-FACCTO was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2024, micro schema

Equity
€35,111
Total assets
€673,435
Net result
€38,711
Working capital
-€221,354

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €673,435
Fixed assets €585,265
Current assets €88,170
Equity and liabilities €673,435
Equity €35,111
Debt €638,324
Debt finances 94.8% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€103,527
Cash flow
€84,564
Current ratio
0.28
Debt to equity
18.18
ROE
110.3%
ROA
5.7%
Interest coverage
18.63
Debt ≤ 1 year
€309,524
Debt > 1 year
€328,800
Income taxes
€14,781
Staff costs
€33,323

Peer companies

Historical observation

Of the 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
3.0% went bankrupt
2.8% stopped otherwise
94% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,157 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 45 lines
Balance sheet Code2024
Assets
Total assets20/58€673,435
Fixed assets21/28€585,265
Tangible fixed assets22/27€585,265
Land and buildings22€573,871
Plant, machinery and equipment23€1,269
Furniture and vehicles24€10,125
Current assets29/58€88,170
Amounts receivable within one year40/41€69,000
Trade receivables40€24,000
Other amounts receivable41€45,000
Cash at bank and in hand54/58€16,412
Deferred charges and accrued income490/1€2,758
Equity and liabilities
Total equity and liabilities10/49€673,435
Equity10/15€35,111
Contributions10/11€2,400
Reserves13€32,711
Distributable reserves133€32,711
Amounts payable17/49€638,324
Amounts payable after more than one year17€328,800
Financial debts170/4€328,800
Amounts payable within one year42/48€309,524
Current portion of amounts payable after more than one year42€26,400
Trade debts44€2,247
Suppliers440/4€2,247
Taxes, remuneration and social security45€14,877
Taxes450/3€14,877
Other amounts payable47/48€266,000
Income statement Code2024
Remuneration, social security and pensions62€33,323
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45,853
Other operating charges640/8€33
Gross operating margin9900€136,883
Operating profit (loss)9901€57,674
Financial income75/76B€1,375
Recurring financial income75€1,375
Financial charges65/66B€5,557
Recurring financial charges65€5,557
Profit (loss) for the period before taxes9903€53,492
Income taxes67/77€14,781
Profit (loss) for the period9904€38,711
Profit (loss) for the period to be appropriated9905€38,711
Appropriation of the result
Profit (loss) to be appropriated9906€38,711
Transfer to equity691/2€32,711
To other reserves6921€32,711
Profit to be distributed694/7€6,000
Employees696€6,000

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Remuneration, social security and pensions62€33,323
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45,853
Other operating charges640/8€33
Gross operating margin9900€136,883
Operating profit (loss)9901€57,674
Financial income75/76B€1,375
Recurring financial income75€1,375
Financial charges65/66B€5,557
Recurring financial charges65€5,557
Profit (loss) for the period before taxes9903€53,492
Income taxes67/77€14,781
Profit (loss) for the period9904€38,711
Profit (loss) for the period to be appropriated9905€38,711
Line2024
Assets
Total assets20/58€673,435
Fixed assets21/28€585,265
Tangible fixed assets22/27€585,265
Land and buildings22€573,871
Plant, machinery and equipment23€1,269
Furniture and vehicles24€10,125
Current assets29/58€88,170
Amounts receivable within one year40/41€69,000
Trade receivables40€24,000
Other amounts receivable41€45,000
Cash at bank and in hand54/58€16,412
Deferred charges and accrued income490/1€2,758
Equity and liabilities
Total equity and liabilities10/49€673,435
Equity10/15€35,111
Contributions10/11€2,400
Reserves13€32,711
Distributable reserves133€32,711
Amounts payable17/49€638,324
Amounts payable after more than one year17€328,800
Financial debts170/4€328,800
Amounts payable within one year42/48€309,524
Current portion of amounts payable after more than one year42€26,400
Trade debts44€2,247
Suppliers440/4€2,247
Taxes, remuneration and social security45€14,877
Taxes450/3€14,877
Other amounts payable47/48€266,000
Line2024
Profit (loss) for the period9904€38,711
+ Depreciation and write-downs630€45,853
Operating cash flow (approximation)€84,564

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
21-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
12-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
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, Leuven · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
904 m²
Building footprint
577 m²
Volume, LiDAR
4,794 m³
Parcel 24434F0313/00S003, Flanders · tallest building 14.4 m, ±2 floors. Linked by address, not a title deed.
9 companies at this address See who is registered here
1 establishment unit
D-FACCTO
Naamsesteenweg 121, 3001 LeuvenCertified accountants and tax accountants
since 20232.350.991.968
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24434F0313/00S003 Flanders 904 m² 1 · 577 m² 14.4 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.

Similar companies · same sector, comparable size

Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 5,420 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
Founded18-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID 0208:1001368315
Also 9925:BE1001368315
Registered 06-10-2025

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.