D-MONTAGE
ActiveSummary
The computed 12-month bankruptcy probability of D-MONTAGE is 2.2% (moderate). The 2025 annual accounts show equity of €9k and a net result of €0. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 7777 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability38▼-33
Solvency45=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7777 sector peers (2025).
NBB · sector comparisonPosition among 7777 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2023
54 d late
2022
4 d early
2021
17 d late
← 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, abbreviated schema
Equity
€9k=
2023 · €9k
2021: €7k
2022: €8k
2023: €9k
2021 → 2025
Total assets
€43k=
2023 · €43k
2021: €46k
2022: €34k
2023: €43k
2021 → 2025
Net result
€0▼ 100%
2023 · €919
2021: €1k
2022: €824
2023: €919
2021 → 2025
Working capital
€3k=
2023 · €3k
2021: €1k
2022: €778
2023: €3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232025Trend
Equity€7k-€8k▲ 11.6%€9k▲ 11.6%€9k=
Operating result€2k-€3k▲ 66.6%€1k▼ 59.4%€0▼ 100%
Net result€1k-€824▼ 26.2%€919▲ 11.5%€0▼ 100%
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 is €0 in 2025, compared with €1k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €43k
Fixed assets
€6k =
Current assets
€38k =
Equity and liabilities €43k
Equity
€9k =
Debt
€35k =
Debt's share of the balance-sheet total stays at 79.6%.
Key figures and ratios
EBITDA
€0▼
2023 · €7k
Cash flow
€0▼
2023 · €6k
Current ratio
1.10=
2023 · 1.10
Debt to equity
3.91=
2023 · 3.91
ROE
0.0%▼
2023 · 10.4%
ROA
0.0%▼
2023 · 2.1%
Debt ≤ 1 year
€35k=
2023 · €35k
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 2023 · 38 lines
Balance sheet
Code20232025
Assets
Total assets20/58€43k€43k=
Fixed assets21/28€6k€6k=
Tangible fixed assets22/27€6k€6k=
Plant, machinery and equipment23€2k€2k=
Furniture and vehicles24€4k€4k=
Current assets29/58€38k€38k=
Amounts receivable within one year40/41€8k€8k=
Trade receivables40€8k€8k=
Other amounts receivable41€256€256=
Cash at bank and in hand54/58€30k€30k=
Equity and liabilities
Total equity and liabilities10/49€43k€43k=
Equity10/15€9k€9k=
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€6k€6k=
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€35k€35k=
Amounts payable within one year42/48€35k€35k=
Current portion of amounts payable after more than one year42€1k€1k=
Trade debts44€26k€26k=
Suppliers440/4€26k€26k=
Taxes, remuneration and social security45€7k€7k=
Taxes450/3€515€515=
Remuneration and social security454/9€6k€6k=
Other amounts payable47/48€505€505=
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€0▼
Other operating charges640/8€806-
Gross operating margin9900€7k€0▼
Operating profit (loss)9901€1k€0▼
Financial income75/76B€69-
Recurring financial income75€69-
Financial charges65/66B€393-
Recurring financial charges65€393-
Profit (loss) for the period before taxes9903€919€0▼
Profit (loss) for the period9904€919€0▼
Profit (loss) for the period to be appropriated9905€919€0▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k=
Profit (loss) brought forward from the previous period14P€2k€3k▲
The notes to these accounts (2 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €0 ▼100%
Net result drops to €0, the lowest in the series.
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
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, Zaventem · 1 establishment unit since 2020
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.
Werkmansstraat 141930 ZaventemGround area
255 m²
Building footprint
177 m²
Volume, LiDAR
1,133 m³
Parcel 23772C0251/00B005, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D-MONTAGE
since 20202.310.381.632
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0251/00B005 | Flanders | 255 m² | 1 · 177 m² | 10.4 m · 2 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
Toi et Moi
BE 1017.897.808
Kruisem · Eq €8,851
Louder Generation
BE 0790.602.458
Antwerpen · Eq €8,873
RTELEC
BE 1003.772.529
Walcourt · Eq €8,880
ELEKTRO DL
BE 0728.929.660
Damme · Eq €8,814
L.P.H.
BE 0430.206.282
Destelbergen · Eq €8,793
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 5,179 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
Founded26-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:daniel.pivas@live.be