D-FI MANAGEMENT
ActiveD-FI MANAGEMENT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €42k. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 56% of 14009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+6
Solvency63▼-8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.01 in 2024; short-term debt: 25.1% and cash: 23.7% of total assets), and 62.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.8%
Return on assets
21.3%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▼ 8.8%
2024 · €81k
2019: €117k
2020: €100k
2021: €102k
2022: €101k
2023: €126k
2024: €81k
2019 → 2025
Total assets
€195k▲ 10.0%
2024 · €177k
2019: €222k
2020: €207k
2021: €179k
2022: €175k
2023: €227k
2024: €177k
2019 → 2025
Net result
€42k▲ 42.0%
2024 · €29k
2019: €22k
2020: €5k
2021: €25k
2022: €22k
2023: €59k
2024: €29k
2019 → 2025
Working capital
€20k▲ 2,649%
2024 · €740
2019: €59k
2020: €39k
2021: €41k
2022: €32k
2023: €52k
2024: €740
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€101k▼ 1.0%€126k▲ 24.6%€81k▼ 35.8%€74k▼ 8.8%
Operating result€36k-€33k▼ 7.5%€83k▲ 148%€45k▼ 45.5%€59k▲ 30.4%
Net result€25k-€22k▼ 13.5%€59k▲ 168%€29k▼ 50.4%€42k▲ 42.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€126k▲ 10.2%
Current assets
€69k▲ 9.6%
Equity and liabilities €195k
Equity
€74k▼ 8.8%
Debt
€121k▲ 25.8%
The debt ratio rises from 54.4% to 62.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €47k
Cash flow
€47k▲
2024 · €31k
Solvency
37.8%▼
2024 · 45.6%
Current ratio
1.42▲
2024 · 1.01
Quick ratio
1.42▲
2024 · 1.01
Debt / equity
1.65▲
2024 · 1.19
ROE
56.4%▲
2024 · 36.2%
ROA
21.3%▲
2024 · 16.5%
Interest coverage
26.64▼
2024 · 30.84
Debt
€121k▲
2024 · €96k
Debt ≤ 1 year
€49k▼
2024 · €62k
Debt > 1 year
€72k▲
2024 · €34k
Income taxes
€15k▲
2024 · €14k
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€177k€195k▲
Fixed assets21/28€114k€126k▲
Tangible fixed assets22/27€114k€126k▲
Land and buildings22€112k€111k▼
Plant, machinery and equipment23€1k€559▼
Furniture and vehicles24€705€14k▲
Current assets29/58€63k€69k▲
Amounts receivable within one year40/41€14k€21k▲
Trade receivables40€14k€21k▲
Cash at bank and in hand54/58€46k€46k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€177k€195k▲
Equity10/15€81k€74k▼
Contributions10/11€19k€19k=
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€49k€42k▼
Amounts payable17/49€96k€121k▲
Amounts payable after more than one year17€34k€72k▲
Financial debts170/4€34k€29k▼
Other amounts payable178/9-€43k
Amounts payable within one year42/48€62k€49k▼
Current portion of amounts payable after more than one year42€7k€12k▲
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Taxes, remuneration and social security45€11k€17k▲
Taxes450/3€11k€17k▲
Other amounts payable47/48€39k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€93-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€5k€1k▼
Gross operating margin9900€52k€65k▲
Operating profit (loss)9901€45k€59k▲
Financial income75/76B€181€258▲
Recurring financial income75€181€258▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€44k€57k▲
Income taxes67/77€14k€15k▲
Profit (loss) for the period9904€29k€42k▲
Profit (loss) for the period to be appropriated9905€29k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€90k▲
Profit (loss) brought forward from the previous period14P€49k€49k=
Transfer from equity791/2€45k-
Profit to be distributed694/7€74k€49k▼
Return on contributions (dividend)694€74k€49k▼
The notes to these accounts (8 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €59k ▲168%
Operating result €83k, net result €59k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €102k ▲2%
3 profitable years in a row build equity to €102k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Weakest financial yearnet €5k ▼78.9%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Walcourt · 1 establishment unit since 2014
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 des Monthys(Thy) 835651 WalcourtGround area
1,567 m²
Building footprint
101 m²
Parcel 93078D0056/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
D-FI MANAGEMENT
since 20142.229.270.529
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93078D0056/00D000 | Wallonia | 1,566 m² | 1 · 101 m² | - |
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.
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,382. 3,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2014
Fiscal year end30-06
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:071/43.65.26