D'M&S Professionals
ActiveD'M&S Professionals has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €570k and a net result of €5k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 7.77 against 6.8 in 2024; short-term debt: 4.4% and cash: 6.4% of total assets), and 4.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
95.6%
Return on assets
0.8%
Age of the figures
9 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
17 d early
2024
36 d early
2023
40 d early
2022
40 d early
2021
181 d early
2020
178 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€570k▲ 0.8%
2024 · €565k
2020: €-9k
2021: €165
2022: €512k
2023: €544k
2024: €565k
2020 → 2025
Total assets
€596k▲ 0.2%
2024 · €595k
2020: €22k
2021: €4k
2022: €552k
2023: €561k
2024: €595k
2020 → 2025
Net result
€5k▼ 78.7%
2024 · €21k
2020: €-24k
2021: €10k
2022: €26k
2023: €32k
2024: €21k
2020 → 2025
Working capital
€177k▲ 2.6%
2024 · €172k
2020: €-9k
2021: €165
2022: €40k
2023: €72k
2024: €172k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165-€512k▲ 310,192%€544k▲ 6.3%€565k▲ 3.9%€570k▲ 0.8%
Operating result€8k-€30k▲ 277%€22k▼ 27.8%€9k▼ 58.9%€4k▼ 51.8%
Net result€10k-€26k▲ 176%€32k▲ 21.9%€21k▼ 33.2%€5k▼ 78.7%
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 has fallen three years in a row; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €596k
Fixed assets
€393k=
Current assets
€203k▲ 0.5%
Equity and liabilities €596k
Equity
€570k▲ 0.8%
Debt
€26k▼ 11.9%
The debt ratio falls from 5.0% to 4.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
95.6%▲
2024 · 95.0%
Current ratio
7.77▲
2024 · 6.80
Quick ratio
7.77▲
2024 · 6.80
Debt / equity
0.05▼
2024 · 0.05
ROE
0.8%▼
2024 · 3.8%
ROA
0.8%▼
2024 · 3.6%
Debt
€26k▼
2024 · €30k
Debt ≤ 1 year
€26k▼
2024 · €30k
Income taxes
€2k▼
2024 · €3k
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€595k€596k▲
Fixed assets21/28€393k€393k=
Financial fixed assets28€393k€393k=
Current assets29/58€202k€203k▲
Amounts receivable within one year40/41€170k€164k▼
Trade receivables40€45k€52k▲
Other amounts receivable41€125k€112k▼
Cash at bank and in hand54/58€31k€38k▲
Deferred charges and accrued income490/1-€30
Equity and liabilities
Total equity and liabilities10/49€595k€596k▲
Equity10/15€565k€570k▲
Contributions10/11€501k€501k=
Profit (loss) carried forward14€65k€69k▲
Amounts payable17/49€30k€26k▼
Amounts payable within one year42/48€30k€26k▼
Trade debts44€27k€24k▼
Suppliers440/4€27k€24k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Other operating charges640/8€517€526▲
Gross operating margin9900€9k€5k▼
Operating profit (loss)9901€9k€4k▼
Financial income75/76B€16k€2k▼
Recurring financial income75€16k€2k▼
Financial charges65/66B€321€301▼
Recurring financial charges65€321€301▼
Profit (loss) for the period before taxes9903€24k€6k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€21k€5k▼
Profit (loss) for the period to be appropriated9905€21k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€69k▲
Profit (loss) brought forward from the previous period14P€43k€65k▲
The notes to these accounts (4 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
19-08
State Gazette act
General meeting · Demerger
Accounting effect · Share transfer
27-07
State Gazette act
General meeting · Demerger
Share transfer · Share issue
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €32k ▲21.9%
Net result €32k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 5.19
Current ratio from 2.02 to 5.19; short-term debt falls from €39k to €17k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €512k ▲310192%
2 profitable years in a row build equity to €512k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 178 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-11-2022
Resigned as Director
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2019
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.
Vaartdijkstraat 198200 BruggeGround area
1.2 ha
Building footprint
4,131 m²
Volume, LiDAR
38,119 m³
Parcel 31512B0106/00T002, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TRUSTON
since 20192.292.028.737
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31512B0106/00T002 | Flanders | 1.2 ha | 1 · 4,131 m² | 12.8 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
ACS GROUP
BE 0872.439.576
Kortrijk · Eq €570k
VERHEGGE LOGISTICS CONSULTANCY & MANAGEMENT
BE 0742.819.565
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XANDRIA
BE 0472.603.004
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iForma
BE 1008.147.526
Sint-Niklaas · Eq €570k
Universal Professionals
BE 0842.502.012
Dilbeek · Eq €570k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 33,561 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.