D. & T.
ActiveSummary
D. & T. has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €9k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▼-6
Solvency100▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 7.55 against 2.8 in 2024; short-term debt: 13.1% and cash: 79.7% of total assets), and 13.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.9%
Return on assets
6.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
32 d early
2023
60 d late
2022
89 d late
2021
95 d late
2020
122 d late
2019
88 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 8.5%
2024 · €108k
Total assets
€134k▼ 19.0%
2024 · €166k
Net result
€9k▼ 52.3%
2024 · €19k
Working capital
€115k▲ 10.1%
2024 · €105k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€16k▼ 2.9%€-2k€46k€30k▼ 34.1%€18k▼ 42.3%
Net result€10k▲ 24.0%€-4k€30k€19k▼ 36.1%€9k▼ 52.3%
Equity€82k▲ 13.9%€68k▼ 16.7%€98k▲ 43.7%€108k▲ 9.7%€117k▲ 8.5%
Total assets€95k▼ 25.5%€96k▲ 1.1%€126k▲ 31.1%€166k▲ 31.5%€134k▼ 19.0%
Debt€13k▼ 76.4%€28k▲ 112%€28k▲ 0.3%€58k▲ 108%€18k▼ 69.8%
Working capital€82k▲ 26.6%€66k▼ 19.2%€95k▲ 42.8%€105k▲ 10.2%€115k▲ 10.1%
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 two years in a row; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€1k ▼ 51.1%
Current assets
€133k ▼ 18.4%
Equity and liabilities €134k
Equity
€117k ▲ 8.5%
Debt
€18k ▼ 69.8%
Debt's share of the balance-sheet total falls from 35.1% to 13.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2024 · €32k
Cash flow
€11k▼
2024 · €21k
Current ratio
7.55▲
2024 · 2.80
Quick ratio
7.31▲
2024 · 2.71
Debt to equity
0.15▼
2024 · 0.54
ROE
7.8%▼
2024 · 17.7%
ROA
6.8%▼
2024 · 11.5%
Interest coverage
17.31▼
2024 · 22.69
Debt ≤ 1 year
€18k▼
2024 · €58k
Income taxes
€6k▼
2024 · €10k
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €6k | €2k | €2k | €2k | ▼ 21.6% |
| Other operating charges640/8 | €1k | €3k | €2k | €2k | €2k | ▼ 10.4% |
| Gross operating margin9900 | €29k | €6k | €50k | €35k | €21k | ▼ 38.9% |
| Operating profit (loss)9901 | €16k | €-2k | €46k | €30k | €18k | ▼ 42.3% |
| Financial income75/76B | €200 | €149 | €5 | €470 | €0 | ▼ 100.0% |
| Recurring financial income75 | €200 | €149 | €5 | €470 | €0 | ▼ 100.0% |
| Financial charges65/66B | €1k | €1k | €1k | €1k | €3k | ▲ 93.1% |
| Recurring financial charges65 | €1k | €1k | €1k | €1k | €1k | ▼ 22.8% |
| Non-recurring financial charges66B | - | - | - | - | €2k | - |
| Profit (loss) for the period before taxes9903 | €15k | €-3k | €45k | €30k | €15k | ▼ 49.8% |
| Income taxes67/77 | €5k | €632 | €15k | €10k | €6k | ▼ 45.2% |
| Profit (loss) for the period9904 | €10k | €-4k | €30k | €19k | €9k | ▼ 52.3% |
| Profit (loss) for the period to be appropriated9905 | €10k | €-4k | €30k | €19k | €9k | ▼ 52.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €95k | €96k | €126k | €166k | €134k | ▼ 19.0% |
| Fixed assets21/28 | €6k | €5k | €3k | €3k | €1k | ▼ 51.1% |
| Tangible fixed assets22/27 | €6k | €5k | €3k | €3k | €1k | ▼ 58.2% |
| Land and buildings22 | €370 | €185 | - | - | - | - |
| Plant, machinery and equipment23 | €5k | €1k | €709 | €256 | - | - |
| Furniture and vehicles24 | €922 | €3k | €2k | €2k | €1k | ▼ 53.6% |
| Financial fixed assets28 | €378 | €378 | €378 | €378 | €371 | ▼ 2.0% |
| Current assets29/58 | €89k | €91k | €123k | €163k | €133k | ▼ 18.4% |
| Stocks and contracts in progress3 | €7k | €15k | €11k | €5k | €4k | ▼ 17.0% |
| Stocks30/36 | €7k | €15k | €11k | €5k | €4k | ▼ 17.0% |
| Amounts receivable within one year40/41 | €45k | €51k | €49k | €43k | €22k | ▼ 50.2% |
| Trade receivables40 | €43k | €30k | €43k | €41k | €15k | ▼ 64.7% |
| Other amounts receivable41 | €2k | €21k | €7k | €2k | €7k | ▲ 232% |
| Cash at bank and in hand54/58 | €35k | €24k | €61k | €113k | €107k | ▼ 5.6% |
| Deferred charges and accrued income490/1 | €674 | €690 | €709 | €1k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €95k | €96k | €126k | €166k | €134k | ▼ 19.0% |
| Equity10/15 | €82k | €68k | €98k | €108k | €117k | ▲ 8.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €63k | €50k | €79k | €89k | €98k | ▲ 10.2% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €62k | €48k | €79k | €89k | €98k | ▲ 10.2% |
| Amounts payable17/49 | €13k | €28k | €28k | €58k | €18k | ▼ 69.8% |
| Amounts payable after more than one year17 | €7k | €4k | €276 | - | - | - |
| Financial debts170/4 | €7k | €4k | €276 | - | - | - |
| Amounts payable within one year42/48 | €6k | €24k | €28k | €58k | €18k | ▼ 69.8% |
| Current portion of amounts payable after more than one year42 | €3k | €3k | €3k | €276 | - | - |
| Trade debts44 | - | €3k | €12k | €32k | €11k | ▼ 65.3% |
| Suppliers440/4 | - | €3k | €12k | €32k | €11k | ▼ 65.3% |
| Taxes, remuneration and social security45 | €1k | €2k | €4k | €6k | €205 | ▼ 96.8% |
| Taxes450/3 | €1k | €2k | €4k | €6k | €205 | ▼ 96.8% |
| Other amounts payable47/48 | €2k | €17k | €8k | €19k | €6k | ▼ 67.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €-4k | €30k | €19k | €9k | ▼ 52.3% |
| + Depreciation and write-downs630 | €12k | €6k | €2k | €2k | €2k | ▼ 21.6% |
| Operating cash flow (approximation) | €21k | €2k | €32k | €21k | €11k | ▼ 49.5% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €-1k | €8 | ▲ 101% |
| Change in cash | - | €-11k | €37k | €52k | €-6k | ▼ 112% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 7.55
Current ratio from 2.80 to 7.55; short-term debt falls from €58k to €18k.
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €108k ▲9.7%
2 profitable years in a row build equity to €108k.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 89 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 95 days late
2021
31-12
Financial
Liquidity times 6current ratio 13.92
Current ratio from 2.42 to 13.92; short-term debt falls from €46k to €6k.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
Show earlier events
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 53 days late
2017
05-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Gent · 1 establishment unit since 1990
Ground area
290 m²
Building footprint
82 m²
Volume, LiDAR
429 m³
Parcel 44017A0934/00C000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D EN T
since 19902.050.204.866
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017A0934/00C000 | Flanders | 290 m² | 1 · 81 m² | 7.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 195 EUR awarded · 195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,094 companies in sector 43240 we hold annual accounts for 1,633. 1,365 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
Founded11-07-1990
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
Scores and ratios are computed by Checked and are not a credit decision.