D&S CONSULTANCY 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 €109k and a net result of €33k. Equity is growing by ~53.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 8006 sector peers (fiscal year 2025). The company has been active since 2011 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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
12 d late
2023
29 d early
2022
55 d early
2021
34 d early
2020
52 d early
2019
49 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 23.9%
2024 · €88k
2018: €6k
2019: €5k
2020: €19k
2021: €34k
2022: €35k
2023: €40k
2024: €88k
2018 → 2025
Net result
€33k▼ 30.9%
2024 · €48k
2018: €11k
2019: €-738
2020: €14k
2021: €15k
2022: €2k
2023: €5k
2024: €48k
2018 → 2025
Total assets
€167k▲ 11.2%
2024 · €150k
2018: €47k
2019: €90k
2020: €96k
2021: €100k
2022: €93k
2023: €92k
2024: €150k
2018 → 2025
Solvency
65.4%▲ 6.7pp
2024 · 58.7%
2018: 12.5%
2019: 5.8%
2020: 19.8%
2021: 33.5%
2022: 38.0%
2023: 43.7%
2024: 58.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€35k▲ 5.0%€40k▲ 14.0%€88k▲ 119%€109k▲ 23.9%
Operating result€22k-€5k▼ 78.8%€9k▲ 99.7%€68k▲ 642%€50k▼ 26.4%
Net result€15k-€2k▼ 88.4%€5k▲ 193%€48k▲ 870%€33k▼ 30.9%
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 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€49k▲ 1,080%
Current assets
€118k▼ 19.0%
Equity and liabilities €167k
Equity
€109k▲ 23.9%
Debt
€58k▼ 6.7%
The debt ratio falls from 41.3% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
65.4%▲
2024 · 58.7%
ROE
30.3%▼
2024 · 54.3%
ROA
19.8%▼
2024 · 31.9%
Debt
€58k▼
2024 · €62k
Debt ≤ 1 year
€56k▼
2024 · €60k
Income taxes
€15k▼
2024 · €17k
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€150k€167k▲
Fixed assets21/28€4k€49k▲
Tangible fixed assets22/27€4k€49k▲
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€0€47k▲
Current assets29/58€146k€118k▼
Amounts receivable within one year40/41€32k€14k▼
Trade receivables40€32k€14k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€113k€103k▼
Deferred charges and accrued income490/1€899€983▲
Equity and liabilities
Total equity and liabilities10/49€150k€167k▲
Equity10/15€88k€109k▲
Contributions10/11€40k€40k=
Reserves13€48k€69k▲
Non-distributable reserves130/1€795€795=
Reserves not available under the articles1311€795-
Other1319-€795
Distributable reserves133€47k€68k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€62k€58k▼
Amounts payable within one year42/48€60k€56k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€330€1k▲
Suppliers440/4€330€1k▲
Taxes, remuneration and social security45€24k€19k▼
Taxes450/3€21k€17k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€36k€36k=
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€11k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€0
Gross operating margin9900€73k€62k▼
Operating profit (loss)9901€68k€50k▼
Financial income75/76B€0€50▲
Recurring financial income75€0€50▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€65k€48k▼
Income taxes67/77€17k€15k▼
Profit (loss) for the period9904€48k€33k▼
Profit (loss) for the period to be appropriated9905€48k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€33k▲
Profit (loss) brought forward from the previous period14P€-21k€0▲
Transfer to equity691/2€27k€33k▲
To other reserves6921€27k€33k▲
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €109k ▲23.9%
6 profitable years in a row build equity to €109k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €48k ▲870%
Operating result €68k, net result €48k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-738 ▼107%
Net result drops to €-738, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brugge · 1 establishment unit since 2011
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.
Graaf Pierre de Brieylaan 568200 BruggeGround area
2,315 m²
Building footprint
369 m²
Volume, LiDAR
1,894 m³
2 parcels, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D&S CONSULTANCY
since 20112.198.501.535
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025I0036/00W000 | Flanders | 1,276 m² | 1 · 147 m² | 8.0 m · 2 fl. |
| 31030A0315/00H000 | Flanders | 1,039 m² | 1 · 222 m² | 5.9 m · 2 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.
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JL BOUW & VASTGOEDCONSULTING
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DEVATRADE
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.