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Complete company report
Generated 02-08-2026
Active BE 0650.761.815Private limited company

D’S

Jakob Reyvaertstraat 55 ·8380 Brugge, Belgium· 10 yrs active
Sector: Financial services (64210)
Conclusion Checked

D’S 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 €48k and a net result of €28k. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 50% of 1208 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €48k
Net result €28k
Better than sector 50%
Active 10 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency83Growth32Stability100
63 / 100

Strong profile, led by profitability.

Health 0
Profitability 100
Solvency 83
Growth 32
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
Established
Founded in 2016, 10 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 overview9 NBB filings
Annual accounts filed on 28-10-2025 with the NBB · fiscal year 2025 · micro
€0€20k€40kOperating result 2021: €23k€23kNet result 2021: €17k€17kOperating result 2022: €15k€15kNet result 2022: €9k€9kOperating result 2023: €36k€36kNet result 2023: €27k€27kOperating result 2024: €34k€34kNet result 2024: €22k€22kOperating result 2025: €43k€43kNet result 2025: €28k€28k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~6.2%/year over 7 fiscal years, indicative, assuming unchanged policy.
€0€20k€40k€60k2026: €32k (€21k - €43k)2027: €30k (€12k - €48k)2028: €28k (€4k - €53k)2019: €56k2020: €41k2021: €44k2022: €31k2023: €43k2024: €21k2025: €48k2019202020212022202320242025202620272028
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 47.0% 47.4%
better than 50% of 1208 sector peers
Net result €28k €43k
better than 38% of 1207 sector peers
Equity €48k €85k
better than 37% of 1208 sector peers
Gross operating margin €50k €70k
better than 39% of 1204 sector peers
Total assets €102k €211k
better than 26% of 1208 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€28k
+22.6% far above sector median
Total assets
€102k
-19.7% -71% vs sector
Equity
€48k
+134.1% -80% vs sector
Income taxes
€11k
+45.7% far above sector median
Dividends
€45k
+200.0% far above sector median
Debt
€54k
-49.2% +124% vs sector
Debt ≤ 1y
€54k
-49.2% +125% vs sector
Debt > 1y
€3k
-62.6% -97% vs sector
Solvency
47.0%
+191.3% -46% vs sector
ROE
57.3%
-47.6% far above sector median
ROA
26.9%
+52.6% far above sector median
Figures by fiscal year
Fiscal year2025
Revenuen/a
EBITDAn/a
Net profit€28k
Cash flown/a
Staff costs-
Income taxes€11k
Dividends-
Total assets€102k
Equity€48k
Debt€54k
of which ≤ 1y€54k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency47.0%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA26.9%
ROE57.3%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€102k
Fixed assets 21/28€15k
Tangible fixed assets 22/27€15k
Current assets 29/58€88k
Amounts receivable within one year 40/41€78k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€102k
Equity 10/15€48k
Contributions / capital 10/11€19k
Reserves 13€29k
Amounts payable 17/49€54k
Amounts payable within one year 42/48€54k
Trade debts payable within one year 44€11k
Income statement
Gross operating margin 9900€50k
Operating result 9901€43k
Financial income 75€605
Financial charges 65€5k
Result before taxes 9903€39k
Income taxes 67/77€11k
Net result for the period 9904€28k
Result to be appropriated 9905€28k
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 Private limited company(610)
Incorporation24-03-2016
StatusActive
Postal code8380
Establishment units 1 location
D’S
Jakob Reyvaertstraat 55, 8380 BruggeHandelsbemiddeling in de groothandel in andere specifieke goederen
since 20162.251.718.210
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.
31016B0358/00D000 Flanders 3,974 m² 1 · 100 m² 6.8 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
12-06-2026
State Gazette act Open capture
Incorporation · Founder · Officer appointment · Permanent representative
2025
28-10-2025
NBB filing Annual accounts filed
fiscal year 2025 · micro
2024
29-10-2024
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
30-10-2023
NBB filing Annual accounts filed
fiscal year 2023 · micro
2022
29-09-2022
NBB filing Annual accounts filed
fiscal year 2022 · micro
2021
27-10-2021
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
27-10-2020
NBB filing Annual accounts filed
fiscal year 2020 · micro
2019
02-10-2019
NBB filing Annual accounts filed
fiscal year 2019 · micro
2018
25-10-2018
NBB filing Annual accounts filed
fiscal year 2018 · micro
2017
28-09-2017
NBB filing Annual accounts filed
fiscal year 2017 · micro
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 month ago
2026
12-06-2026 Incorporation · Founder · Officer appointment · Permanent representative Open-capture extraction
  • Publication: 2026-06-12 · Goedzyn
  • Filing: 2026-06-04 · Goedzyn
  • Incorporation: 2026-06-04 · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Founder · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: bestuurslid · Goedzyn
  • Officer appointment: role: dagelijks bestuurder · Goedzyn
  • Officer appointment: role: dagelijks bestuurder · Goedzyn
  • Permanent representative · BV Marie Charlotte
  • Permanent representative · BV Jules & Julia
  • Permanent representative · BV Alta-Mira 1
  • Permanent representative · BV Ruly
  • Act object: Oprichting
Summary: Incorporation · Founder · Officer appointment · Permanent representative
Technical details 
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110
Primary activity highlighted.
Names & trade names
Legal nameNL D’S
Registered office
Jakob Reyvaertstraat 55
8380 Brugge, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative