Summary
D-phinance 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 €239,551 and a net result of €78,720. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 68% of 8091 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
30 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€239,551▼ 10.6%
2024 · €267,983
Net result
€78,720▲ 3.8%
2024 · €75,865
Total assets
€333,557▼ 2.4%
2024 · €341,648
Solvency
71.8%▼ 6.6pp
2024 · 78.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€53,964▼ 393%€148,065€90,414▼ 38.9%€62,856▼ 30.5%€93,703▲ 49.1%
Net result-€56,674below the sector's middle half▼ 293%€115,697above the sector's middle half€69,490within the sector's middle half▼ 39.9%€75,865within the sector's middle half▲ 9.2%€78,720within the sector's middle half▲ 3.8%
Equity€10,131below the sector's middle half▼ 84.8%€125,828within the sector's middle half▲ 1,142%€195,318within the sector's middle half▲ 55.2%€267,983within the sector's middle half▲ 37.2%€239,551within the sector's middle half▼ 10.6%
Total assets€59,601below the sector's middle half▼ 65.6%€219,766within the sector's middle half▲ 269%€287,868within the sector's middle half▲ 31.0%€341,648within the sector's middle half▲ 18.7%€333,557within the sector's middle half▼ 2.4%
Debt€49,471▼ 53.6%€93,939▲ 89.9%€92,550▼ 1.5%€73,664▼ 20.4%€94,006▲ 27.6%
Working capital-€426within the sector's middle half€41,498within the sector's middle half€101,424within the sector's middle half▲ 144%€166,976above the sector's middle half▲ 64.6%€139,183within the sector's middle half▼ 16.6%
Solvency17.0%below the sector's middle half▼ 21.5pp57.3%within the sector's middle half▲ 40.3pp67.8%within the sector's middle half▲ 10.6pp78.4%within the sector's middle half▲ 10.6pp71.8%within the sector's middle half▼ 6.6pp
Current ratio0.98within the sector's middle half▼ 2.881.56within the sector's middle half▲ 0.582.20within the sector's middle half▲ 0.653.27within the sector's middle half▲ 1.062.48within the sector's middle half▼ 0.79
Return on assets (ROA)-95.1%below the sector's middle half▼ 86.8pp52.6%above the sector's middle half▲ 147.7pp24.1%within the sector's middle half▼ 28.5pp22.2%within the sector's middle half▼ 1.9pp23.6%within the sector's middle half▲ 1.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €333,557
Fixed assets
€100,368 ▼ 0.6%
Current assets
€233,189 ▼ 3.1%
Equity and liabilities €333,557
Equity
€239,551 ▼ 10.6%
Debt
€94,006 ▲ 27.6%
Debt's share of the balance-sheet total rises from 21.6% to 28.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
32.9%▲
2024 · 28.3%
Debt ≤ 1 year
€94,006▲
2024 · €73,664
Income taxes
€22,119▼
2024 · €22,415
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €115,817 | €5,819 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,401 | €2,634 | €2,785 | €813 | €640 | ▼ 21.4% |
| Other operating charges640/8 | €1,529 | €2,315 | €2,458 | €1,825 | €3,318 | ▲ 81.9% |
| Non-recurring operating charges66A | - | - | - | €449 | - | - |
| Gross operating margin9900 | -€46,035 | €153,014 | €95,658 | €65,943 | €97,661 | ▲ 48.1% |
| Operating profit (loss)9901 | -€53,964 | €148,065 | €90,414 | €62,856 | €93,703 | ▲ 49.1% |
| Financial income75/76B | - | €174 | €2,179 | €36,137 | €8,757 | ▼ 75.8% |
| Recurring financial income75 | - | €174 | €2,179 | €36,137 | €8,757 | ▼ 75.8% |
| Financial charges65/66B | €2,175 | €1,872 | €1,134 | €712 | €1,622 | ▲ 128% |
| Recurring financial charges65 | €2,175 | €1,872 | €1,134 | €712 | €1,622 | ▲ 128% |
| Profit (loss) for the period before taxes9903 | -€56,139 | €146,367 | €91,459 | €98,280 | €100,839 | ▲ 2.6% |
| Income taxes67/77 | €534 | €30,669 | €21,969 | €22,415 | €22,119 | ▼ 1.3% |
| Profit (loss) for the period9904 | -€56,674 | €115,697 | €69,490 | €75,865 | €78,720 | ▲ 3.8% |
| Profit (loss) for the period to be appropriated9905 | -€56,674 | €115,697 | €69,490 | €75,865 | €78,720 | ▲ 3.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €59,601 | €219,766 | €287,868 | €341,648 | €333,557 | ▼ 2.4% |
| Fixed assets21/28 | €42,304 | €103,996 | €102,270 | €101,008 | €100,368 | ▼ 0.6% |
| Intangible fixed assets21 | €34,183 | - | - | - | - | - |
| Tangible fixed assets22/27 | €5,371 | €3,746 | €2,020 | €758 | €118 | ▼ 84.4% |
| Furniture and vehicles24 | €5,371 | €3,746 | €2,020 | €758 | €118 | ▼ 84.4% |
| Financial fixed assets28 | €2,750 | €100,250 | €100,250 | €100,250 | €100,250 | = |
| Current assets29/58 | €17,297 | €115,771 | €185,597 | €240,640 | €233,189 | ▼ 3.1% |
| Amounts receivable within one year40/41 | €6,350 | €76,298 | €154,985 | €189,221 | €152,321 | ▼ 19.5% |
| Trade receivables40 | €5,751 | €65,024 | €86,945 | €55,000 | €43,000 | ▼ 21.8% |
| Other amounts receivable41 | €599 | €11,273 | €68,041 | €134,221 | €109,321 | ▼ 18.6% |
| Cash at bank and in hand54/58 | €8,535 | €38,450 | €27,137 | €47,892 | €62,430 | ▲ 30.4% |
| Deferred charges and accrued income490/1 | €2,412 | €1,023 | €3,476 | €3,527 | €18,438 | ▲ 423% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €59,601 | €219,766 | €287,868 | €341,648 | €333,557 | ▼ 2.4% |
| Equity10/15 | €10,131 | €125,828 | €195,318 | €267,983 | €239,551 | ▼ 10.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | €18,600 | - | - | - | - |
| Other1109/19 | €18,600 | €18,600 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €176,718 | €249,383 | €220,951 | ▼ 11.4% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €176,718 | €249,383 | €220,951 | ▼ 11.4% |
| Profit (loss) carried forward14 | -€10,329 | €105,368 | - | - | - | - |
| Amounts payable17/49 | €49,471 | €93,939 | €92,550 | €73,664 | €94,006 | ▲ 27.6% |
| Amounts payable after more than one year17 | €31,747 | €19,665 | €7,323 | - | - | - |
| Financial debts170/4 | €31,747 | €19,665 | €7,323 | - | - | - |
| Amounts payable within one year42/48 | €17,724 | €74,273 | €84,174 | €73,664 | €94,006 | ▲ 27.6% |
| Current portion of amounts payable after more than one year42 | €11,826 | €12,082 | €12,343 | €7,323 | - | - |
| Financial debts43 | €1,289 | €897 | €655 | €23,112 | €1,335 | ▼ 94.2% |
| Credit institutions430/8 | €1,289 | €897 | €655 | €23,112 | €1,335 | ▼ 94.2% |
| Trade debts44 | €478 | €20,982 | €3,775 | €4,861 | €7,686 | ▲ 58.1% |
| Suppliers440/4 | €478 | €20,982 | €3,775 | €4,861 | €7,686 | ▲ 58.1% |
| Taxes, remuneration and social security45 | €1,084 | €40,314 | €67,401 | €35,169 | €62,833 | ▲ 78.7% |
| Taxes450/3 | €1,084 | €39,123 | €67,401 | €35,169 | €62,833 | ▲ 78.7% |
| Remuneration and social security454/9 | - | €1,191 | - | - | - | - |
| Other amounts payable47/48 | €3,046 | - | - | €3,200 | €22,152 | ▲ 592% |
| Accrued charges and deferred income492/3 | - | - | €1,054 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€56,674 | €115,697 | €69,490 | €75,865 | €78,720 | ▲ 3.8% |
| + Depreciation and write-downs630 | €6,401 | €2,634 | €2,785 | €813 | €640 | ▼ 21.4% |
| Operating cash flow (approximation) | -€50,273 | €118,331 | €72,276 | €76,679 | €79,359 | ▲ 3.5% |
| Investment in fixed assets (approximation) | - | -€64,325 | -€1,060 | €449 | €0 | ▼ 100% |
| Change in cash | - | €29,915 | -€11,313 | €20,755 | €14,538 | ▼ 30.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
16-06
State Gazette act
General meeting · Merger
Accounting effect · Other statement
16-06
State Gazette act
General meeting · Merger
Director resignation · Permanent representative
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200,000Eq €267,983 ▲37.2%
3 profitable years in a row build equity to €267,983.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150,000Eq €195,318 ▲55.2%
2 profitable years in a row build equity to €195,318.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €115,697
Net result €115,697 after 2 loss-making years.
31-12
Financial
Equity above €100,000Eq €125,828 ▲1,142%
Equity rises from €10,131 to €125,828.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet -€56,674
Net result drops to -€56,674, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Antwerpen · 1 establishment unit since 2019
Ground area
394 m²
Building footprint
355 m²
Volume, LiDAR
4,756 m³
Parcel 11002A0671/00C000, Flanders · tallest building 16.9 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
D-phinance
since 20192.285.245.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A0671/00C000 | Flanders | 394 m² | 1 · 355 m² | 16.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the 2025 annual accounts of D-phinance and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,624 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
46190Agents in non-specialised wholesale trade
47690Retail sale of other cultural and recreation goods
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0719274497
Also
9925:BE0719274497
Registered
13-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.