D&L
ActiveD&L has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-174k) and a net result of €-44k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability7▼-3
Solvency0▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.67 against 1.79 in 2023; short-term debt: 149% and cash: 30.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-49%
Return on assets
-12.3%
Age of the figures
21 mo
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 →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-174k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
27 d late
2022
30 d late
2021
31 d late
2020
40 d early
2019
42 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-174k▼ 33.6%
2023 · €-131k
2018: €-6k
2019: €-15k
2020: €-73k
2021: €21k
2022: €-15k
2023: €-131k
2018 → 2024
Total assets
€356k▼ 66.7%
2023 · €1.07M
2018: €131k
2019: €128k
2020: €594k
2021: €1.12M
2022: €1.22M
2023: €1.07M
2018 → 2024
Net result
€-44k▲ 62.0%
2023 · €-116k
2018: €-3k
2019: €-9k
2020: €-58k
2021: €94k
2022: €-36k
2023: €-116k
2018 → 2024
Working capital
€-177k
2023 · €472k
2018: €-6k
2019: €-15k
2020: €447k
2021: €901k
2022: €587k
2023: €472k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-73k-€21k€-15k€-131k▼ 771%€-174k▼ 33.6%
Operating result€-20k-€129k€-4k€-73k▼ 1,608%€-46k▲ 36.8%
Net result€-58k-€94k€-36k€-116k▼ 221%€-44k▲ 62.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €46k in 2024 against €73k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €356k
Fixed assets
€2k▼ 18.2%
Current assets
€354k▼ 66.8%
Key figures and ratios
Solvency
-49.0%▼
2023 · -12.2%
Current ratio
0.67▼
2023 · 1.79
Quick ratio
0.41▼
2023 · 1.46
Debt / equity
-3.04▲
2023 · -9.18
ROA
-12.3%▼
2023 · -10.8%
Debt
€530k▼
2023 · €1.20M
Debt ≤ 1 year
€530k▼
2023 · €593k
Debt > 1 year
€0▼
2023 · €605k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.07M€356k▼
Fixed assets21/28€3k€2k▼
Financial fixed assets28€3k€2k▼
Current assets29/58€1.06M€354k▼
Stocks and contracts in progress3€201k€134k▼
Stocks30/36€201k€134k▼
Amounts receivable within one year40/41€159k€112k▼
Trade receivables40€159k€112k▼
Other amounts receivable41€44€266▲
Cash at bank and in hand54/58€705k€108k▼
Equity and liabilities
Total equity and liabilities10/49€1.07M€356k▼
Equity10/15€-131k€-174k▼
Contributions10/11€6k€6k=
Reserves13€15k€15k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€-152k€-195k▼
Amounts payable17/49€1.20M€530k▼
Amounts payable after more than one year17€605k€0▼
Financial debts170/4€605k€0▼
Amounts payable within one year42/48€593k€530k▼
Financial debts43€280€0▼
Credit institutions430/8€280€0▼
Trade debts44€37k€6k▼
Suppliers440/4€32k€6k▼
Bills of exchange payable441€5k-
Taxes, remuneration and social security45€48k€17k▼
Taxes450/3€48k€17k▼
Other amounts payable47/48€508k€507k▼
Income statement
Code20232024
Other operating charges640/8€179€2k▲
Gross operating margin9900€-73k€-44k▲
Operating profit (loss)9901€-73k€-46k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€45k€881▼
Recurring financial charges65€45k€881▼
Profit (loss) for the period before taxes9903€-116k€-44k▲
Profit (loss) for the period9904€-116k€-44k▲
Profit (loss) for the period to be appropriated9905€-116k€-44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-152k€-195k▼
Profit (loss) brought forward from the previous period14P€-36k€-152k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-116k
Net result drops to €-116k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €94k
Net result €94k after 3 loss-making years.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 5current ratio 4.06
Current ratio from 0.89 to 4.06.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Brugge · 1 establishment unit since 2016
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.
Leopold II-laan 478000 BruggeGround area
184 m²
Building footprint
183 m²
Volume, LiDAR
1,398 m³
Parcel 31808K0750/00R006, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
D&L
since 20162.252.393.349
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0750/00R006 | Flanders | 183 m² | 1 · 183 m² | 13.2 m · 3 fl. |
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 7,321 companies in sector 68110 we hold annual accounts for 5,382. 2,526 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2016
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.