D.J.L.
ActiveD.J.L. 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 €1.26M and a net result of €508k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 907 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
27 d late
2023
30 d late
2022
28 d late
2021
26 d late
2020
55 d late
2019
26 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.26M▲ 66.7%
2024 · €753k
2018: €156k
2019: €236k
2020: €368k
2021: €443k
2022: €494k
2023: €539k
2024: €753k
2018 → 2025
Net result
€508k▲ 124%
2024 · €227k
2018: €42k
2019: €80k
2020: €137k
2021: €75k
2022: €51k
2023: €46k
2024: €227k
2018 → 2025
Total assets
€1.83M▲ 35.8%
2024 · €1.35M
2018: €562k
2019: €899k
2020: €986k
2021: €1.04M
2022: €1.08M
2023: €1.12M
2024: €1.35M
2018 → 2025
Solvency
68.7%▲ 12.7pp
2024 · 55.9%
2018: 27.7%
2019: 26.2%
2020: 37.3%
2021: 42.6%
2022: 45.5%
2023: 48.1%
2024: 55.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€443k-€494k▲ 11.5%€539k▲ 9.3%€753k▲ 39.6%€1.26M▲ 66.7%
Operating result€109k-€77k▼ 29.5%€70k▼ 8.9%€343k▲ 391%€740k▲ 116%
Net result€75k-€51k▼ 31.8%€46k▼ 10.4%€227k▲ 396%€508k▲ 124%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 116% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.83M
Fixed assets
€611k▼ 4.4%
Current assets
€1.22M▲ 72.1%
Equity and liabilities €1.83M
Equity
€1.26M▲ 66.7%
Debt
€573k▼ 3.5%
The debt ratio falls from 44.1% to 31.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
68.7%▲
2024 · 55.9%
ROE
40.4%▲
2024 · 30.1%
ROA
27.8%▲
2024 · 16.8%
Debt
€573k▼
2024 · €593k
Debt ≤ 1 year
€516k▲
2024 · €464k
Debt > 1 year
€57k▼
2024 · €126k
Income taxes
€232k▲
2024 · €113k
Staff costs
€434k▲
2024 · €391k
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€1.35M€1.83M▲
Fixed assets21/28€639k€611k▼
Tangible fixed assets22/27€142k€114k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€44k€27k▼
Other tangible fixed assets26€98k€86k▼
Financial fixed assets28€498k€498k=
Current assets29/58€707k€1.22M▲
Amounts receivable within one year40/41€312k€345k▲
Trade receivables40€126k€165k▲
Other amounts receivable41€186k€180k▼
Current investments50/53€100k€70k▼
Cash at bank and in hand54/58€291k€795k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.83M▲
Equity10/15€753k€1.26M▲
Contributions10/11€58k€58k=
Reserves13€360k€862k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€354k€856k▲
Profit (loss) carried forward14€336k€336k=
Amounts payable17/49€593k€573k▼
Amounts payable after more than one year17€126k€57k▼
Financial debts170/4€126k€57k▼
Amounts payable within one year42/48€464k€516k▲
Current portion of amounts payable after more than one year42€76k€69k▼
Trade debts44€53k€48k▼
Suppliers440/4€53k€48k▼
Taxes, remuneration and social security45€124k€196k▲
Taxes450/3€54k€116k▲
Remuneration and social security454/9€70k€80k▲
Other amounts payable47/48€211k€203k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€391k€434k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€29k▼
Other operating charges640/8€3k€9k▲
Gross operating margin9900€812k€1.21M▲
Operating profit (loss)9901€343k€740k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€339k€739k▲
Income taxes67/77€113k€232k▲
Profit (loss) for the period9904€227k€508k▲
Profit (loss) for the period to be appropriated9905€227k€508k▲
Appropriation of the result
Profit (loss) to be appropriated9906€563k€843k▲
Profit (loss) brought forward from the previous period14P€336k€336k=
Transfer to equity691/2€214k€502k▲
To other reserves6921€214k€502k▲
Profit to be distributed694/7€13k€5k▼
Employees696€13k€5k▼
Social balance
Average headcount (FTE)90875.35.8▲
The notes to these accounts (12 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €508k ▲124%
Operating result €740k, net result €508k, both a record.
31-12
Financial
Equity above €1MEq €1.26M ▲66.7%
8 profitable years in a row build equity to €1.26M.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Equity above €500kEq €539k ▲9.3%
6 profitable years in a row build equity to €539k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 55 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Equity above €200kEq €236k ▲51.5%
2 profitable years in a row build equity to €236k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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
8 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, Durbuy · 1 establishment unit since 2017
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.
Route de Durbuy 116940 DurbuyGround area
1,391 m²
Building footprint
419 m²
Parcel 83004B1438/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
DJL
since 20172.259.516.812
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83004B1438/00F000 | Wallonia | 1,391 m² | 1 · 419 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 1,679 companies in sector 66191 we hold annual accounts for 1,227. 807 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2000
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
71340
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.