Active BE 0442.127.879Public limited company

D'OFFICE

Beukendreef 45 ·2840 Rumst, Belgium· 35 yrs active

Sector: Financial services (64210)

Conclusion Checked

D'OFFICE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €361k and a net result of €26k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 95% of 1204 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€361k
Net result	€26k
Better than sector	95%
Active	35 yrs

Snowflake analysis 5 axes · computed by Checked

58 / 100

Mixed profile: strong on solvency, weaker on health.

Health 0

Profitability 36

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Long-established

Founded in 1990, 35 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview10 NBB filings

Annual accounts filed on 29-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~9%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	93.5%	47.4%	better than 95% of 1204 sector peers
Net result	€26k	€44k	better than 37% of 1203 sector peers
Equity	€361k	€84k	better than 86% of 1204 sector peers
Gross operating margin	€70k	€70k	better than 50% of 1200 sector peers
Total assets	€386k	€211k	better than 68% of 1204 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€26k

-36.0% +81% vs sector

Total assets

€386k

-5.0% -78% vs sector

Equity

€361k

-1.8% -65% vs sector

Income taxes

€11k

-34.3% -13% vs sector

Dividends

€33k

+119.0% 19-25

Debt

€25k

-34.9% -96% vs sector

Debt ≤ 1y

€24k

-37.0% -77% vs sector

Debt > 1y

€10k

-87.3% -98% vs sector

Solvency

93.5%

+3.3% +66% vs sector

ROE

7.3%

-34.8% far above sector median

ROA

6.8%

-32.7% far above sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	n/a
EBITDA	n/a
Net profit	€26k
Cash flow	n/a
Staff costs	-
Income taxes	€11k
Dividends	€33k
Total assets	€386k
Equity	€361k
Debt	€25k
of which ≤ 1y	€24k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	93.5%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	6.8%
ROE	7.3%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €247k · 64.0% Current assets €139k · 36.0%

Equity & liabilities

Equity €361k · 93.5% Debt €25k · 6.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€386k
Fixed assets	21/28	€247k
Tangible fixed assets	22/27	€247k
Current assets	29/58	€139k
Amounts receivable within one year	40/41	€12k
Cash & bank	54/58	€124k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€386k
Equity	10/15	€361k
Contributions / capital	10/11	€62k
Reserves	13	€299k
Amounts payable	17/49	€25k
Amounts payable within one year	42/48	€24k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€70k
Operating result	9901	€40k
Financial income	75	€518
Financial charges	65	€4k
Result before taxes	9903	€37k
Income taxes	67/77	€11k
Net result for the period	9904	€26k
Result to be appropriated	9905	€26k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Financial services(64210)
Legal form	Public limited company(014)
Incorporation	27-11-1990
Status	Active
Postal code	2840

Establishment units 1 location

D'OFFICE

Beukendreef 45, 2840 RumstFinanciële holdings

since 19902.050.669.476

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11036D0139/00K000	Flanders	1,376 m²	1 · 238 m²	6.7 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

29-01-2026