Summary
D.J.L. has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of €507,636. Equity has been growing by about 22% per year since 2018. Its solvency ranks better than 75% of 1,853 sector peers (NACE 66, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Official details
Source: KBO- Status
- Active since 14-09-2000 Normal situation
- Activity
- Agents and brokers in banking services NACE 66191
- Joint committee
- 341 Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten · annual accounts 2025
- Establishment unit
- 2.259.516.812 6940 Durbuy, since 01-01-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 27-06-2025
Board and ownership
Board
- Fabrice SEPULTDirector · since 16-12-2016
- Vincent LAMOTTEDirector · since 16-12-2016
- Holdings
- Shares in 1 company CONSULTASSUR
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
Financial institution: outside the model
Annual accounts 2025
- Profit
- €507,636
- ▲ 124%
- Equity
- €1.3m
- ▲ 66.7%
- Total assets
- €1.8m
- ▲ 35.8%
- Employees on 31-12-2025
- 7
Net result +124%: other schema
Signalslowers riskLiquidity: current ratio 2.36, cash €795,352Equity €1.3m (68.7% of total assets)Founded in 2000Figures for financial year 2025 (filed on 16-07-2026)neutralLatest accounts filed on timeShow the evidence
Bankruptcy probability
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.2%▼ -0.3 percentage points vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.5%▲ +0.2 percentage points vs 07-2025
09-2025: 0.6%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 0.1%▼ -0.5 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskneutral
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 days early
2024
27 days late
2023
30 days late
2022
28 days late
2021
26 days late
2020
55 days late
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 25 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Resignations: Pierre LAMOTTE, Fabrice SEPULT and Vincent LAMOTTEReappointments: Fabrice SEPULT (director) and Vincent LAMOTTE (director)
- · Gazette deed Registered office
- · Gazette deed Incorporation
Comparable companies
These companies have the same main activity as D.J.L.: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €1.4m and €2.2m, founded between 1997 and 2006.
| Company | Total assets | Gross margin |
|---|---|---|
| D.J.L. Durbuy | €1.8m | €1.2m |
| TITS - DAMSIN Sint-Truiden | €2.1m | €1.2m |
| JOHAN VERDONCK Wetteren | €1.4m | €1.2m |
| CENTURIO Pelt | €2.1m | €1.4m |
| HOUTLAND VERZEKERINGEN Kortemark | €1.9m | €0.9m |
| F.B. FINANCES Sint-Jans-Molenbeek | €1.5m | €1.0m |
| FIMAHY Wemmel | €2.2m | €0.9m |
Key facts about D.J.L.
- What is the company number of D.J.L.?
- The company number of D.J.L. is 0472.752.660. The VAT number is the same number with BE in front: BE 0472.752.660.
- Where is D.J.L. based?
- The registered office is at Route de Durbuy 11, 6940 Durbuy.Company details
- What does D.J.L. do?
- According to the KBO register, the main activity is agents and brokers in banking services (NACE 66191).
- What is the legal form of D.J.L.?
- The legal form of D.J.L. is Private limited company (BV).
- When was D.J.L. founded?
- D.J.L. was founded on 14-09-2000.
- Is D.J.L. still active?
- Yes, D.J.L. is an active enterprise in the KBO register.
- How many employees does D.J.L. have?
- D.J.L. had an average of 5.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does D.J.L. fall under?
- In its 2025 annual accounts, D.J.L. states joint committee 341 (Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten).
- What is the turnover of D.J.L.?
- The turnover in financial year 2025 is ≈ €2.1m. This figure is estimated from the gross margin of €1.2m and 1,584 comparable companies of the same size. It probably lies between €1.4m and €3.4m. It is a rough estimate.
- Is D.J.L. profitable?
- In financial year 2025, D.J.L. made a profit of €507,636.
- Where can I find the annual accounts of D.J.L.?
- D.J.L. filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of D.J.L. due?
- D.J.L. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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