Summary
D-TRADE 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 €431,402 and a net result of -€4,868. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 95% of 8074 sector peers (fiscal year 2025). The company has been active since 1991 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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
28 d early
2023
23 d late
2022
62 d early
2021
30 d early
2020
29 d early
2019
48 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 21 days before 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.
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
In the rankings
#3 oldest company in Oosterzele, Finance and insurance sector
Equity
€431,402▼ 1.1%
2024 · €436,270
Net result
-€4,868▲ 3.4%
2024 · -€5,042
Total assets
€436,644=
2024 · €436,717
Solvency
98.8%▼ 1.1pp
2024 · 99.9%
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€50,144-€51,397-€15,045▲ 70.7%-€6,673▲ 55.6%-€7,109▼ 6.5%
Net result€36,966within the sector's middle half-€55,549below the sector's middle half-€13,713below the sector's middle half▲ 75.3%-€5,042below the sector's middle half▲ 63.2%-€4,868below the sector's middle half▲ 3.4%
Equity€510,575above the sector's middle half▲ 7.8%€455,026above the sector's middle half▼ 10.9%€441,312above the sector's middle half▼ 3.0%€436,270above the sector's middle half▼ 1.1%€431,402above the sector's middle half▼ 1.1%
Total assets€580,436within the sector's middle half▲ 5.5%€482,034within the sector's middle half▼ 17.0%€444,931within the sector's middle half▼ 7.7%€436,717within the sector's middle half▼ 1.8%€436,644within the sector's middle half=
Debt€69,860▼ 8.8%€27,008▼ 61.3%€3,619▼ 86.6%€446▼ 87.7%€5,242▲ 1,074%
Working capital€512,899▲ 10.9%€454,933▼ 11.3%€429,580▼ 5.6%€425,816▼ 0.9%€422,226▼ 0.8%
Solvency88.0%above the sector's middle half▲ 1.9pp94.4%above the sector's middle half▲ 6.4pp99.2%above the sector's middle half▲ 4.8pp99.9%above the sector's middle half▲ 0.7pp98.8%above the sector's middle half▼ 1.1pp
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 stays negative: a loss of €7,109 in 2025 against €6,673 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €436,644
Fixed assets
€9,176 ▼ 12.2%
Current assets
€427,468 ▲ 0.3%
Equity and liabilities €436,644
Equity
€431,402 ▼ 1.1%
Debt
€5,242 ▲ 1,074%
Debt's share of the balance-sheet total rises from 0.1% to 1.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.1%▲
2024 · -1.2%
ROA
-1.1%▲
2024 · -1.2%
Debt ≤ 1 year
€5,242▲
2024 · €446
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 | €4,620 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €1,140 | €1,278 | €1,278 | = |
| Other operating charges640/8 | €8,146 | €3,051 | €4,987 | €578 | €647 | ▲ 11.9% |
| Gross operating margin9900 | €58,291 | -€48,347 | -€8,918 | -€4,817 | -€5,184 | ▼ 7.6% |
| Operating profit (loss)9901 | €50,144 | -€51,397 | -€15,045 | -€6,673 | -€7,109 | ▼ 6.5% |
| Financial income75/76B | €0 | €421 | €1,380 | €1,675 | €2,277 | ▲ 35.9% |
| Recurring financial income75 | €0 | €421 | €1,380 | €1,675 | €2,277 | ▲ 35.9% |
| Financial charges65/66B | €4,460 | €49 | €49 | €44 | €37 | ▼ 16.5% |
| Recurring financial charges65 | €4,460 | €49 | €49 | €44 | €37 | ▼ 16.5% |
| Profit (loss) for the period before taxes9903 | €45,685 | -€51,026 | -€13,713 | -€5,042 | -€4,868 | ▲ 3.4% |
| Income taxes67/77 | €8,718 | €4,524 | - | - | - | - |
| Profit (loss) for the period9904 | €36,966 | -€55,549 | -€13,713 | -€5,042 | -€4,868 | ▲ 3.4% |
| Profit (loss) for the period to be appropriated9905 | €36,966 | -€55,549 | -€13,713 | -€5,042 | -€4,868 | ▲ 3.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €580,436 | €482,034 | €444,931 | €436,717 | €436,644 | = |
| Fixed assets21/28 | €93 | €93 | €11,732 | €10,454 | €9,176 | ▼ 12.2% |
| Tangible fixed assets22/27 | - | - | €11,639 | €10,361 | €9,083 | ▼ 12.3% |
| Plant, machinery and equipment23 | - | - | €11,639 | €10,361 | €9,083 | ▼ 12.3% |
| Financial fixed assets28 | €93 | €93 | €93 | €93 | €93 | = |
| Current assets29/58 | €580,342 | €481,941 | €433,199 | €426,263 | €427,468 | ▲ 0.3% |
| Amounts receivable within one year40/41 | €345,492 | €365,122 | €427,319 | €424,900 | €424,873 | = |
| Trade receivables40 | €4,210 | - | - | - | - | - |
| Other amounts receivable41 | €341,282 | €365,122 | €427,319 | €424,900 | €424,873 | = |
| Cash at bank and in hand54/58 | €234,851 | €116,819 | €5,880 | €1,363 | €2,595 | ▲ 90.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €580,436 | €482,034 | €444,931 | €436,717 | €436,644 | = |
| Equity10/15 | €510,575 | €455,026 | €441,312 | €436,270 | €431,402 | ▼ 1.1% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €418,017 | €418,017 | €418,017 | €374,517 | €369,517 | ▼ 1.3% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | €411,817 | €411,817 | €411,817 | €368,317 | €363,317 | ▼ 1.4% |
| Profit (loss) carried forward14 | €30,558 | -€24,991 | -€38,705 | -€247 | -€115 | ▲ 53.5% |
| Amounts payable17/49 | €69,860 | €27,008 | €3,619 | €446 | €5,242 | ▲ 1,074% |
| Amounts payable within one year42/48 | €67,444 | €27,008 | €3,619 | €446 | €5,242 | ▲ 1,074% |
| Trade debts44 | €18,604 | €7,060 | €99 | - | €5,242 | - |
| Suppliers440/4 | €18,604 | €7,060 | €99 | - | €5,242 | - |
| Taxes, remuneration and social security45 | €2,560 | €1,276 | €3,519 | €446 | - | - |
| Taxes450/3 | €2,560 | €1,276 | €3,519 | €446 | - | - |
| Other amounts payable47/48 | €46,280 | €18,672 | - | - | - | - |
| Accrued charges and deferred income492/3 | €2,417 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,966 | -€55,549 | -€13,713 | -€5,042 | -€4,868 | ▲ 3.4% |
| + Depreciation and write-downs630 | - | - | €1,140 | €1,278 | €1,278 | = |
| Operating cash flow (approximation) | €36,966 | -€55,549 | -€12,574 | -€3,764 | -€3,590 | ▲ 4.6% |
| Investment in fixed assets (approximation) | - | €0 | -€12,778 | €0 | €0 | - |
| Change in cash | - | -€118,031 | -€110,939 | -€4,517 | €1,232 | ▲ 127% |
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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 8current ratio 954.95
Current ratio from 119.71 to 954.95; short-term debt falls from €3,619 to €446.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity times 7current ratio 119.71
Current ratio from 17.84 to 119.71; short-term debt falls from €27,008 to €3,619.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€55,549
Net result drops to -€55,549, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 17.84
Current ratio from 8.60 to 17.84; short-term debt falls from €67,444 to €27,008.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €36,966
Net result €36,966 after one loss-making year.
31-12
Financial
Equity above €500,000Eq €510,575 ▲7.8%
Equity rises from €473,609 to €510,575.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Oosterzele · 1 establishment unit since 2002
Ground area
2,417 m²
Building footprint
568 m²
Volume, LiDAR
2,993 m³
Parcel 44052B0113/00B000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Boekhoutstraat 23, 9860 Oosterzele
since 20022.053.367.462
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052B0113/00B000 | Flanders | 2,417 m² | 1 · 568 m² | 9.8 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,721 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded22-05-1991
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
02200Logging
10111Manufacture of food products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0444250694
Also
9925:BE0444250694
Registered
25-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.