D & M
ActiveThe file of D & M contains 1 historical bankruptcy publication, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 1.3% (low). The 2025 annual accounts show equity of €46k and a net result of €23k. Equity is growing by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 1832 sector peers (fiscal year 2025).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency77▲+5
Growth85=
Track record85
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 7.55 against 1.87 in 2024; short-term debt: 13.2% and cash: 5.2% of total assets), and 48.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
51.8%
Return on assets
25.8%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 20-07-2026, 11 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
11 d early
2024
18 d early
2023
18 d early
2022
28 d late
2021
31 d late
2020
25 d late
2019
152 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€31k▲ 32.8%
2020 · €23k
2019: €14k
2020: €23k
2019 → 2021
EBIT margin
46.4%▲ 53.0pp
2020 · -6.6%
2019: -256.8%
2020: -6.6%
2019 → 2021
Net result
€23k▼ 30.9%
2024 · €34k
2019: €-38k
2020: €-1k
2021: €14k
2022: €40k
2023: €14k
2024: €34k
2019 → 2025
Working capital
€78k▲ 146%
2024 · €32k
2019: €-45k
2020: €-33k
2021: €-20k
2022: €6k
2023: €20k
2024: €32k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€31k-
Equity€-20k-€7k€21k▲ 208%€32k▲ 52.4%€46k▲ 44.0%
Operating result€14k-€39k▲ 178%€13k▼ 68.0%€40k▲ 221%€31k▼ 23.3%
Net result€14k-€40k▲ 193%€14k▼ 63.9%€34k▲ 135%€23k▼ 30.9%
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 falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€462▼ 36.5%
Current assets
€89k▲ 32.1%
Equity and liabilities €90k
Equity
€46k▲ 44.0%
Debt
€43k▲ 20.0%
The debt ratio falls from 52.8% to 48.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €41k
Cash flow
€23k▼
2024 · €34k
Solvency
51.8%▲
2024 · 47.2%
Current ratio
7.55▲
2024 · 1.87
Quick ratio
7.55▲
2024 · 1.87
Debt / equity
0.93▼
2024 · 1.12
ROE
49.9%▼
2024 · 104.1%
ROA
25.8%▼
2024 · 49.1%
Interest coverage
15562.03
Debt
€43k▲
2024 · €36k
Debt ≤ 1 year
€12k▼
2024 · €36k
Debt > 1 year
€32k
Income taxes
€8k▲
2024 · €7k
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€68k€90k▲
Fixed assets21/28€728€462▼
Tangible fixed assets22/27€728€462▼
Furniture and vehicles24€728€462▼
Current assets29/58€68k€89k▲
Amounts receivable within one year40/41€56k€85k▲
Trade receivables40€3k€3k▲
Other amounts receivable41€53k€82k▲
Cash at bank and in hand54/58€12k€5k▼
Deferred charges and accrued income490/1-€151
Equity and liabilities
Total equity and liabilities10/49€68k€90k▲
Equity10/15€32k€46k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€6k€6k=
Profit (loss) carried forward14€26k€40k▲
Amounts payable17/49€36k€43k▲
Amounts payable after more than one year17-€32k
Financial debts170/4-€32k
Amounts payable within one year42/48€36k€12k▼
Trade debts44€344€134▼
Suppliers440/4€344€134▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€29k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€266€266=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€42k€33k▼
Operating profit (loss)9901€40k€31k▼
Financial income75/76B-€250
Recurring financial income75-€250
Financial charges65/66B-€2
Recurring financial charges65-€2
Profit (loss) for the period before taxes9903€40k€31k▼
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€34k€23k▼
Profit (loss) for the period to be appropriated9905€34k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€49k▲
Profit (loss) brought forward from the previous period14P€15k€26k▲
Profit to be distributed694/7€23k€9k▼
Directors or managers695€23k€9k▼
The notes to these accounts (5 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 7.55
Current ratio from 1.87 to 7.55; short-term debt falls from €36k to €12k.
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2019net €40k ▲193%
Net result €40k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.30
Current ratio from 0.45 to 1.30; short-term debt falls from €36k to €19k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
05-02
Bankruptcy
Judicial dissolution
Ondernemingsrechtbank Brussel · van: D & M BV- JULES BORDETLAAN 160/16, 1140 BRUSSEL 14
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2018
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.
Van Amstelstraat 1352100 AntwerpenGround area
128 m²
Building footprint
84 m²
Volume, LiDAR
761 m³
Parcel 11012A0119/00R000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
D & M
since 20182.272.959.923
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0119/00R000 | Flanders | 128 m² | 1 · 84 m² | 10.7 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.
Similar companies · same sector, comparable size
Excellent Shuttle Service
BE 1016.019.768
Tremelo · Eq €46k
RISOU
BE 0422.220.808
Evere · Eq €46k
TAXI ROMA
BE 0898.088.059
Nieuwerkerken (Limb.) · Eq €46k
ARTTURE-IT
BE 0778.719.463
Antwerpen · Eq €46k
E&S enterprise
BE 0792.812.177
Sint-Niklaas · Eq €47k
Of 6,681 companies in sector 49330 we hold annual accounts for 2,284. 1,880 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2018
Fiscal year end31-12
Activities, NACEBEL
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.