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 92% of 7980 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
7 d early
2023
132 d early
2022
7 d early
2021
25 d early
2020
93 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€361k▼ 1.8%
2024 · €367k
2019: €242k
2020: €240k
2021: €165k
2022: €278k
2023: €326k
2024: €367k
2019 → 2025
Net result
€26k▼ 36.0%
2024 · €41k
2019: €33k
2020: €10k
2021: €5k
2022: €113k
2023: €63k
2024: €41k
2019 → 2025
Total assets
€386k▼ 5.0%
2024 · €406k
2019: €347k
2020: €358k
2021: €326k
2022: €351k
2023: €370k
2024: €406k
2019 → 2025
Solvency
93.5%▲ 3.0pp
2024 · 90.4%
2019: 69.8%
2020: 67.0%
2021: 50.6%
2022: 79.2%
2023: 88.3%
2024: 90.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€278k▲ 68.9%€326k▲ 17.4%€367k▲ 12.5%€361k▼ 1.8%
Operating result€10k-€162k▲ 1,464%€92k▼ 43.4%€59k▼ 36.1%€40k▼ 30.9%
Net result€5k-€113k▲ 2,171%€63k▼ 44.1%€41k▼ 35.4%€26k▼ 36.0%
Turnover and EBIT margin not published: the 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 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €386k
Fixed assets
€247k▼ 0.7%
Current assets
€139k▼ 11.8%
Equity and liabilities €386k
Equity
€361k▼ 1.8%
Debt
€25k▼ 34.9%
The debt ratio falls from 9.6% to 6.5%. Equity and debt are lower.
Key figures and ratios
Solvency
93.5%▲
2024 · 90.4%
ROE
7.3%▼
2024 · 11.1%
ROA
6.8%▼
2024 · 10.1%
Debt
€25k▼
2024 · €39k
Debt ≤ 1 year
€24k▼
2024 · €38k
Income taxes
€11k▼
2024 · €16k
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€406k€386k▼
Fixed assets21/28€249k€247k▼
Tangible fixed assets22/27€249k€247k▼
Land and buildings22€244k€244k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€157k€139k▼
Amounts receivable within one year40/41€19k€12k▼
Trade receivables40€15k€2k▼
Other amounts receivable41€4k€9k▲
Cash at bank and in hand54/58€137k€124k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€406k€386k▼
Equity10/15€367k€361k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€305k€299k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€299k€292k▼
Amounts payable17/49€39k€25k▼
Amounts payable within one year42/48€38k€24k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€13k€6k▼
Taxes450/3€13k€6k▼
Other amounts payable47/48€20k€15k▼
Accrued charges and deferred income492/3€948€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€25k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€81k€70k▼
Operating profit (loss)9901€59k€40k▼
Financial income75/76B€3k€518▼
Recurring financial income75€658€518▼
Non-recurring financial income76B€2k-
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€57k€37k▼
Income taxes67/77€16k€11k▼
Profit (loss) for the period9904€41k€26k▼
Profit (loss) for the period to be appropriated9905€41k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€26k▼
Transfer from equity791/2-€33k
Transfer to equity691/2€41k€26k▼
To other reserves6921€41k€26k▼
Profit to be distributed694/7-€33k
Return on contributions (dividend)694-€33k
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 3.57
Current ratio from 1.67 to 3.57; short-term debt falls from €63k to €39k.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €113k ▲2171%
Operating result €162k, net result €113k, both a record.
30-06
Financial
Equity above €200kEq €278k ▲68.9%
4 profitable years in a row build equity to €278k.
06-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €5k ▼50%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Rumst · 1 establishment unit since 1990
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.
Beukendreef 452840 RumstGround area
1,376 m²
Building footprint
238 m²
Volume, LiDAR
1,334 m³
Parcel 11036D0139/00K000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D'OFFICE
since 19902.050.669.476
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036D0139/00K000 | Flanders | 1,376 m² | 1 · 238 m² | 6.7 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-11-1990
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.