D & M
ActiveSummary
D & M has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €232k and a net result of €32k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 80% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+8
Solvency96▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 3.82 in 2024; short-term debt: 11.4% and cash: 26.4% of total assets), and 28.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
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
71.5%
Return on assets
9.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €232k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
44 d early
2023
26 d early
2022
12 d early
2021
27 d early
2020
26 d late
2019
7 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€232k▲ 15.9%
2024 · €200k
2018: €190k
2019: €241k
2020: €301k
2021: €308k
2022: €178k
2023: €189k
2024: €200k
2018 → 2025
Total assets
€324k▲ 11.0%
2024 · €292k
2018: €1.20M
2019: €1.94M
2020: €1.67M
2021: €1.96M
2022: €294k
2023: €298k
2024: €292k
2018 → 2025
Net result
€32k▲ 205%
2024 · €10k
2018: €2k
2019: €51k
2020: €60k
2021: €7k
2022: €281k
2023: €12k
2024: €10k
2018 → 2025
Working capital
€73k▲ 36.4%
2024 · €54k
2018: €898k
2019: €1.43M
2020: €1.17M
2021: €1.50M
2022: €253k
2023: €57k
2024: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€308k-€178k▼ 42.2%€189k▲ 6.5%€200k▲ 5.5%€232k▲ 15.9%
Operating result€41k-€405k▲ 888%€25k▼ 93.9%€17k▼ 30.0%€47k▲ 174%
Net result€7k-€281k▲ 4,130%€12k▼ 95.9%€10k▼ 10.3%€32k▲ 205%
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 recovers in 2025; 2025 is 174% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324k
Fixed assets
€214k ▼ 2.5%
Current assets
€110k ▲ 51.8%
Equity and liabilities €324k
Equity
€232k ▲ 15.9%
Debt
€92k ▲ 0.4%
Debt's share of the balance-sheet total falls from 31.5% to 28.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€52k▲
2024 · €23k
Cash flow
€37k▲
2024 · €16k
Current ratio
2.97▼
2024 · 3.82
Debt to equity
0.40▼
2024 · 0.46
ROE
13.7%▲
2024 · 5.2%
ROA
9.8%▲
2024 · 3.6%
Interest coverage
24.74▲
2024 · 11.67
Debt ≤ 1 year
€37k▲
2024 · €19k
Debt > 1 year
€54k▼
2024 · €73k
Income taxes
€13k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€292k€324k▲
Fixed assets21/28€219k€214k▼
Tangible fixed assets22/27€219k€213k▼
Land and buildings22€195k€191k▼
Plant, machinery and equipment23€470€322▼
Furniture and vehicles24€23k€22k▼
Financial fixed assets28€600€600=
Current assets29/58€73k€110k▲
Amounts receivable within one year40/41€64k€24k▼
Trade receivables40€10k€12k▲
Other amounts receivable41€54k€13k▼
Cash at bank and in hand54/58€7k€85k▲
Deferred charges and accrued income490/1€1k€241▼
Equity and liabilities
Total equity and liabilities10/49€292k€324k▲
Equity10/15€200k€232k▲
Contributions10/11€62k€62k=
Reserves13€28k€60k▲
Distributable reserves133€28k€60k▲
Profit (loss) carried forward14€110k€110k=
Amounts payable17/49€92k€92k▲
Amounts payable after more than one year17€73k€54k▼
Financial debts170/4€73k€54k▼
Amounts payable within one year42/48€19k€37k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€0€362▲
Suppliers440/4€0€362▲
Taxes, remuneration and social security45€12k€20k▲
Taxes450/3€12k€20k▲
Other amounts payable47/48€7k€9k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€879€2k▲
Non-recurring operating charges66A-€8k
Gross operating margin9900€24k€62k▲
Operating profit (loss)9901€17k€47k▲
Financial income75/76B€58€120▲
Recurring financial income75€58€120▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€15k€45k▲
Income taxes67/77€5k€13k▲
Profit (loss) for the period9904€10k€32k▲
Profit (loss) for the period to be appropriated9905€10k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€120k€141k▲
Profit (loss) brought forward from the previous period14P€110k€110k=
Transfer to equity691/2€10k€32k▲
To other reserves6921€10k€32k▲
The notes to these accounts (11 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €232k ▲15.9%
8 profitable years in a row build equity to €232k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €281k ▲4130%
Operating result €405k, net result €281k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €241k ▲26.6%
2 profitable years in a row build equity to €241k.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Heist-op-den-Berg · 1 establishment unit since 1997
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.
Hulshoutsesteenweg(ITE) 302222 Heist-op-den-BergGround area
464 m²
Building footprint
75 m²
Volume, LiDAR
271 m³
Parcel 12017D0331/00F000, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hulshoutsesteenweg(ITE) 30, 2222 Heist-op-den-Berg
since 19972.083.597.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12017D0331/00F000 | Flanders | 464 m² | 1 · 75 m² | 5.6 m · 1 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.
Similar companies · same sector, comparable size
G&N GROUP
BE 0834.137.246
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SCREMERS
BE 0567.552.740
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JORESTATE
BE 0847.985.876
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KALICE
BE 1008.463.864
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Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,278 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-1997
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
70200Business and other management consultancy
82300Organisation of conventions and trade shows
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.