D.S.Y.
ActiveThe computed 12-month bankruptcy probability of D.S.Y. is 2.4% (moderate). The 2025 annual accounts show negative equity (€-440k) and a net result of €-91k. Equity is shrinking by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 4149 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.43 against 0.62 in 2024; short-term debt: 231.2% and cash: 1.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-131.2%
Return on assets
-27%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18192022232425
2018 to 2025 · latest year €-440k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
29 d late
2024
91 d late
2023
89 d late
2022
70 d late
2020
28 d late
2019
92 d late
2018
58 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-91k▲ 37.0%
2024 · €-144k
2018: €-50k
2019: €-142k
2020: €83k
2022: €-61k
2023: €-20k
2024: €-144k
2018 → 2025
Working capital
€-446k▼ 18.8%
2024 · €-375k
2018: €-43k
2019: €-230k
2020: €-143k
2022: €-231k
2023: €-240k
2024: €-375k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€-98k-€-186k▼ 89.2%€-206k▼ 10.8%€-350k▼ 70.1%€-440k▼ 26.0%
Operating result€86k-€-63k€-21k▲ 67.3%€-143k▼ 589%€-90k▲ 37.4%
Net result€83k-€-61k€-20k▲ 67.2%€-144k▼ 620%€-91k▲ 37.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €90k in 2025 against €143k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€5k▼ 79.5%
Current assets
€330k▼ 46.2%
Key figures and ratios
EBITDA
€-89k▲
2024 · €-134k
Cash flow
€-90k▲
2024 · €-135k
Solvency
-131.2%▼
2024 · -54.7%
Current ratio
0.43▼
2024 · 0.62
Quick ratio
0.09▼
2024 · 0.18
Debt / equity
-1.76▲
2024 · -2.83
ROA
-27.0%▼
2024 · -22.5%
Interest coverage
-29.18▲
2024 · -87.11
Debt
€776k▼
2024 · €989k
Debt ≤ 1 year
€776k▼
2024 · €989k
Staff costs
€7k▼
2024 · €50k
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€640k€336k▼
Fixed assets21/28€25k€5k▼
Tangible fixed assets22/27€21k€343▼
Furniture and vehicles24€685€343▼
Other tangible fixed assets26€20k-
Financial fixed assets28€5k€5k=
Current assets29/58€614k€330k▼
Stocks and contracts in progress3€437k€264k▼
Stocks30/36€437k€264k▼
Amounts receivable within one year40/41€114k€60k▼
Trade receivables40€56k€30k▼
Other amounts receivable41€57k€30k▼
Cash at bank and in hand54/58€64k€6k▼
Equity and liabilities
Total equity and liabilities10/49€640k€336k▼
Equity10/15€-350k€-440k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Profit (loss) carried forward14€-356k€-447k▼
Amounts payable17/49€989k€776k▼
Amounts payable within one year42/48€989k€776k▼
Trade debts44€179k€140k▼
Suppliers440/4€179k€140k▼
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€20k€13k▼
Taxes450/3€16k€13k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€786k€624k▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€343▼
Other operating charges640/8€476€500▲
Non-recurring operating charges66A-€20k
Gross operating margin9900€-84k€-62k▲
Operating profit (loss)9901€-143k€-90k▲
Financial income75/76B€520€2k▲
Recurring financial income75€520€2k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-144k€-91k▲
Profit (loss) for the period9904€-144k€-91k▲
Profit (loss) for the period to be appropriated9905€-144k€-91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-356k€-447k▼
Profit (loss) brought forward from the previous period14P€-212k€-356k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (7 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Weakest financial yearnet €-144k
Net result drops to €-144k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-12
Financial
Back to profitnet €83k
Net result €83k after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 52 days late
2017
17-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 48 days late
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, Anderlecht · 1 establishment unit since 2016
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.
Jakob Smitsstraat 171070 AnderlechtGround area
2,522 m²
Building footprint
217 m²
Volume, LiDAR
737 m³
Parcel 21302A0076/00T004, Brussels · tallest building 4.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Jakob Smitsstraat 17, 1070 Anderlecht
since 20162.259.574.913
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0076/00T004 | Brussels | 2,522 m² | 1 · 216 m² | 4.8 m · 1 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 1,289 companies in sector 47690 we hold annual accounts for 424. 224 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-02-2016
Fiscal year end31-12
Activities, NACEBEL
47690Retail sale of other cultural and recreation goods
47787Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.