D&W
ActiveD&W has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €6k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 1994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency77▼-23
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 4.18 in 2024; short-term debt: 47.9% and cash: 36.1% of total assets), and 47.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
52.1%
Return on assets
22.5%
Age of the figures
9 mo
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 04-06-2026, 57 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
57 d early
2024
34 d early
2023
41 d early
2022
47 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, abbreviated schema
Equity
€15k▼ 47.9%
2024 · €28k
2022: €9k
2023: €19k
2024: €28k
2022 → 2025
Total assets
€28k▼ 22.9%
2024 · €37k
2022: €17k
2023: €28k
2024: €37k
2022 → 2025
Net result
€6k▼ 35.5%
2024 · €10k
2022: €8k
2023: €10k
2024: €10k
2022 → 2025
Working capital
€14k▼ 47.8%
2024 · €27k
2022: €7k
2023: €16k
2024: €27k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€19k▲ 114%€28k▲ 53.6%€15k▼ 47.9%
Operating result€10k-€13k▲ 31.1%€13k▲ 5.1%€9k▼ 32.6%
Net result€8k-€10k▲ 28.8%€10k▲ 0.6%€6k▼ 35.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€806▼ 49.4%
Current assets
€28k▼ 21.7%
Equity and liabilities €28k
Equity
€15k▼ 47.9%
Debt
€14k▲ 61.3%
The debt ratio rises from 22.9% to 47.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€10k▼
2024 · €14k
Cash flow
€7k▼
2024 · €11k
Solvency
52.1%▼
2024 · 77.1%
Current ratio
2.03▼
2024 · 4.18
Quick ratio
2.03▼
2024 · 4.18
Debt / equity
0.92▲
2024 · 0.30
ROE
43.2%▲
2024 · 34.9%
ROA
22.5%▼
2024 · 26.9%
Interest coverage
16.10▼
2024 · 19.73
Debt
€14k▲
2024 · €8k
Debt ≤ 1 year
€14k▲
2024 · €8k
Income taxes
€2k▼
2024 · €3k
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€37k€28k▼
Fixed assets21/28€2k€806▼
Tangible fixed assets22/27€2k€806▼
Plant, machinery and equipment23€716€467▼
Furniture and vehicles24€876€340▼
Current assets29/58€35k€28k▼
Amounts receivable within one year40/41€5k€11k▲
Trade receivables40€5k€11k▲
Cash at bank and in hand54/58€22k€10k▼
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€37k€28k▼
Equity10/15€28k€15k▼
Contributions10/11€1k€1k=
Reserves13€18k€7k▼
Distributable reserves133€18k€7k▼
Profit (loss) carried forward14€10k€6k▼
Amounts payable17/49€8k€14k▲
Amounts payable within one year42/48€8k€14k▲
Trade debts44€494€4k▲
Suppliers440/4€494€4k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€5k€5k▼
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€1k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€786€786=
Other operating charges640/8€730€745▲
Gross operating margin9900€15k€11k▼
Operating profit (loss)9901€13k€9k▼
Financial charges65/66B€721€612▼
Recurring financial charges65€721€612▼
Profit (loss) for the period before taxes9903€13k€8k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€10k€6k▼
Profit (loss) for the period to be appropriated9905€10k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€16k▼
Profit (loss) brought forward from the previous period14P€10k€10k▲
Transfer from equity791/2-€18k
Transfer to equity691/2€10k€7k▼
To other reserves6921€10k€7k▼
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (4 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
04-09
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge3 facts ▸
- General meeting, 2026-07-01
- Director resignation, Wouter Vanden Bergh (bestuurder)
- Director discharge, Wouter Vanden Bergh
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €6k ▼35.5%
Net result drops to €6k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €10k ▲0.6%
Operating result €13k, net result €10k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2026
Resigned as Director
Location & real-estate footprint
Registered office, Kalmthout · 1 establishment unit since 2022
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.
Groeneweg (Dp) 562920 KalmthoutGround area
714 m²
Building footprint
123 m²
Volume, LiDAR
588 m³
Parcel 11022G0320/00L000, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
D&W
since 20222.329.694.332
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0320/00L000 | Flanders | 714 m² | 1 · 123 m² | 8.6 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 3,918 companies in sector 71112 we hold annual accounts for 1,295. 881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2022
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.