D&N
ActiveThe computed 12-month bankruptcy probability of D&N is 2.1% (moderate). The 2025 annual accounts show equity of €58k and a net result of €-1k. Equity is growing by ~80% per year across the filed fiscal years. Its solvency ranks better than 42% of 18237 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-30
Solvency50▼-3
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.47 in 2024; short-term debt: 61% of total assets), and 75.5% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
24.5%
Return on assets
-0.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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
42 d late
2024
7 d early
2023
50 d late
2022
52 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 90.2%
2024 · €30k
2022: €12k
2023: €6k
2024: €30k
2022 → 2025
Total assets
€235k▲ 121%
2024 · €107k
2022: €30k
2023: €85k
2024: €107k
2022 → 2025
Net result
€-1k
2024 · €25k
2022: €9k
2023: €-6k
2024: €25k
2022 → 2025
Working capital
€-20k▲ 38.4%
2024 · €-32k
2022: €-3k
2023: €-44k
2024: €-32k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€6k▼ 50.7%€30k▲ 427%€58k▲ 90.2%
Operating result€11k-€-5k€19k€6k▼ 67.1%
Net result€9k-€-6k€25k€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€112k▲ 42.5%
Current assets
€124k▲ 338%
Equity and liabilities €235k
Equity
€58k▲ 90.2%
Debt
€177k▲ 133%
The debt ratio rises from 71.5% to 75.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▼
2024 · €48k
Cash flow
€38k▼
2024 · €54k
Solvency
24.5%▼
2024 · 28.5%
Current ratio
0.86▲
2024 · 0.47
Quick ratio
0.86▲
2024 · 0.47
Debt / equity
3.08▲
2024 · 2.51
ROE
-2.1%▼
2024 · 81.0%
ROA
-0.5%▼
2024 · 23.1%
Interest coverage
11.29▼
2024 · 64.77
Debt
€177k▲
2024 · €76k
Debt ≤ 1 year
€144k▲
2024 · €61k
Debt > 1 year
€34k▲
2024 · €16k
Income taxes
€3k▲
2024 · €-7k
Staff costs
€197k▲
2024 · €92k
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€107k€235k▲
Fixed assets21/28€78k€112k▲
Intangible fixed assets21€935€431▼
Tangible fixed assets22/27€77k€105k▲
Plant, machinery and equipment23€799€3k▲
Furniture and vehicles24€76k€102k▲
Financial fixed assets28€159€6k▲
Current assets29/58€28k€124k▲
Amounts receivable within one year40/41€18k€88k▲
Trade receivables40€17k€61k▲
Other amounts receivable41€795€27k▲
Current investments50/53€9k€31k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€107k€235k▲
Equity10/15€30k€58k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€27k€55k▲
Amounts payable17/49€76k€177k▲
Amounts payable after more than one year17€16k€34k▲
Financial debts170/4€16k€34k▲
Amounts payable within one year42/48€61k€144k▲
Current portion of amounts payable after more than one year42€13k€40k▲
Trade debts44€5k€21k▲
Suppliers440/4€5k€21k▲
Taxes, remuneration and social security45€34k€73k▲
Taxes450/3€34k€39k▲
Remuneration and social security454/9-€34k
Other amounts payable47/48€8k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€92k€197k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€40k▲
Other operating charges640/8€12k€10k▼
Gross operating margin9900€152k€253k▲
Operating profit (loss)9901€19k€6k▼
Financial income75/76B€75-
Recurring financial income75€75-
Financial charges65/66B€743€4k▲
Recurring financial charges65€743€4k▲
Profit (loss) for the period before taxes9903€18k€2k▼
Income taxes67/77€-7k€3k▲
Profit (loss) for the period9904€25k€-1k▼
Profit (loss) for the period to be appropriated9905€25k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€55k▲
Profit (loss) brought forward from the previous period14P€3k€56k▲
The notes to these accounts (13 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-12
Financial
Weakest financial yearnet €-6k ▼168%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 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, Overijse · 1 establishment unit since 2022
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.
Brusselsesteenweg 2923090 OverijseGround area
2,873 m²
Building footprint
385 m²
Volume, LiDAR
1,636 m³
2 parcels, Flanders, Wallonia · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue Slar 49, 4801 Verviers
since 20222.329.967.615
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0376/02D005 | Flanders | 1,934 m² | 1 · 198 m² | 6.6 m · 1 fl. |
| 63074B0267/00G000 | Wallonia | 939 m² | 1 · 187 m² | 5.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 753 EUR awarded · 315 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 537 EUR | 198 EUR |
| 2024 | 1 | 216 EUR | 117 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
Similar companies · same sector, comparable size
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ALCA
BE 0465.881.595
Anderlecht · Eq €58k
Vilex
BE 0444.304.342
Tongeren-Borgloon · Eq €58k
IMATSERVICES
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Anderlecht · Eq €58k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2022
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
53200Other postal and courier activities
49410Freight transport by road
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.