D & W CONSULT
ActiveSummary
D & W CONSULT has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €512k and a net result of €440k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+92
Solvency86▲+53
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.03 in 2023; short-term debt: 22.7% and cash: 2.2% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2024Solvency, return and age of the figures
Solvency
61.2%
Return on assets
52.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
9 d early
2022
4 d early
2021
40 d early
2020
29 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€512k▲ 610%
2023 · €72k
2018: €126k
2019: €137k
2020: €165k
2021: €195k
2022: €218k
2023: €72k
2018 → 2024
Total assets
€836k▼ 4.6%
2023 · €876k
2018: €341k
2019: €354k
2020: €355k
2021: €368k
2022: €444k
2023: €876k
2018 → 2024
Net result
€440k
2023 · €-145k
2018: €2k
2019: €11k
2020: €29k
2021: €30k
2022: €22k
2023: €-145k
2018 → 2024
Working capital
€-161k▲ 79.4%
2023 · €-783k
2018: €-211k
2019: €-198k
2020: €-169k
2021: €-148k
2022: €-113k
2023: €-783k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€165k-€195k▲ 17.9%€218k▲ 11.5%€72k▼ 66.9%€512k▲ 610%
Operating result€42k-€43k▲ 4.3%€38k▼ 12.5%€16k▼ 59.2%€594k▲ 3,721%
Net result€29k-€30k▲ 3.3%€22k▼ 24.0%€-145k€440k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 3,721% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €836k
Fixed assets
€807k ▼ 5.6%
Current assets
€28k ▲ 37.6%
Equity and liabilities €836k
Equity
€512k ▲ 610%
Provisions
€134k
Debt
€190k ▼ 76.4%
Debt's share of the balance-sheet total falls from 91.8% to 22.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€612k▲
2023 · €36k
Cash flow
€458k▲
2023 · €-125k
Current ratio
0.15▲
2023 · 0.03
Debt to equity
0.37▼
2023 · 11.16
ROE
85.9%▲
2023 · -201.9%
ROA
52.6%▲
2023 · -16.6%
Interest coverage
33.91▲
2023 · 0.91
Debt ≤ 1 year
€190k▼
2023 · €803k
Income taxes
€2k▲
2023 · €244
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 60 lines
Balance sheet
Code20232024
Assets
Total assets20/58€876k€836k▼
Fixed assets21/28€855k€807k▼
Tangible fixed assets22/27€854k€807k▼
Land and buildings22€850k€805k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€2k€0▼
Current assets29/58€21k€28k▲
Amounts receivable within one year40/41€15k€9k▼
Trade receivables40€15k€8k▼
Other amounts receivable41€0€926▲
Cash at bank and in hand54/58€3k€18k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€876k€836k▼
Equity10/15€72k€512k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€29k€450k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132-€403k
Distributable reserves133€22k€41k▲
Profit (loss) carried forward14€-19k€0▲
Provisions and deferred taxes16-€134k
Deferred taxes168-€134k
Amounts payable17/49€804k€190k▼
Amounts payable within one year42/48€803k€190k▼
Financial debts43€715k€0▼
Other loans439€715k€0▼
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€80k€179k▲
Accrued charges and deferred income492/3€396€0▼
Income statement
Code20232024
Non-recurring operating income76A-€575k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€18k▼
Other operating charges640/8€9k€5k▼
Non-recurring operating charges66A€0€1k▲
Gross operating margin9900€45k€618k▲
Operating profit (loss)9901€16k€594k▲
Financial income75/76B€0€498▲
Recurring financial income75€0€498▲
Financial charges65/66B€161k€18k▼
Recurring financial charges65€40k€18k▼
Non-recurring financial charges66B€121k€0▼
Profit (loss) for the period before taxes9903€-145k€576k▲
Transfer from deferred taxes780-€10k
Transfer to deferred taxes680-€144k
Income taxes67/77€244€2k▲
Profit (loss) for the period9904€-145k€440k▲
Transfer from tax-exempt reserves789-€29k
Transfer to tax-exempt reserves689-€431k
Profit (loss) for the period to be appropriated9905€-145k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-145k€18k▲
Profit (loss) brought forward from the previous period14P-€-19k
Transfer from equity791/2€127k€0▼
Transfer to equity691/2€0€18k▲
To other reserves6921€0€18k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
02-09
State Gazette act
Resignations: Cecile WILLEMAERS (director) and Hendrik DELPORT (director)Appointment: Cecile WILLEMAERS (non-statutory director) · Legal-form conversion · Net-asset statement15 facts ▸
State Gazette act
Resignations: Cecile WILLEMAERS (director) and Hendrik DELPORT (director)
Appointment: Cecile WILLEMAERS (non-statutory director) · Legal-form conversion · Net-asset statement15 facts ▸
- General meeting, 28-07-2026
- Legal-form conversion, NV naar BV
- Net-asset statement, 30-06-2026
- Approval, Verslag van het bestuursorgaan en verslag van de bedrijfsrevisor
- Capital
- Director resignation, Cecile WILLEMAERS (director)
- Director resignation, Hendrik DELPORT (director)
- Director discharge, Cecile WILLEMAERS
- Director discharge, Hendrik DELPORT
- Director appointment, Cecile WILLEMAERS (non-statutory director)
- Board composition, Cecile WILLEMAERS (sole director)
- Power of attorney, Proctifin
- +3 further facts in this act
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €440k
Net result €440k after one loss-making year.
31-12
Financial
Equity above €500kEq €512k ▲610%
Equity rises from €72k to €512k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-145k ▼747%
Net result drops to €-145k, the lowest in the series; recovery starts the following year.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €200kEq €218k ▲11.5%
5 profitable years in a row build equity to €218k.
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €150kEq €165k ▲20.9%
3 profitable years in a row build equity to €165k.
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Cecile WILLEMAERS
CurrentNon-statutory director · since 28-07-2026
28-07-2026
Cecile WILLEMAERS: Resigned as Director
28-07-2026
Cecile WILLEMAERS: Appointed as Non-statutory director
28-07-2026
Hendrik DELPORT: Resigned as Director
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 2002
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.
Rijmenamsesteenweg(MZN) 402812 MechelenGround area
974 m²
Building footprint
254 m²
Volume, LiDAR
1,322 m³
Parcel 12409B0070/00D000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rijmenamsesteenweg(MZN) 40, 2812 Mechelen
since 20022.111.707.222
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12409B0070/00D000 | Flanders | 974 m² | 1 · 254 m² | 8.5 m · 2 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.
Articles of association
Purpose
Uitbating van een vertaalkantoor, administratie, consultancy, managementactiviteiten, consulting, advies, cursussen, events, horeca, onroerend en roerend vermogen, leningen, etc
Full purpose
Uitbating van een vertaalkantoor, administratie, consultancy, managementactiviteiten, consulting, advies, cursussen, events, horeca, onroerend en roerend vermogen, leningen, etc.
Structure & network
Capital and shareholders
Capital over the years
- 02-09-2026 Capital stated in the act · 6,700 shares
Similar companies · same sector, comparable size
NDkwadraat Invest
BE 0667.998.517
Wevelgem · Eq €511,741
MYSAVINGS
BE 0536.492.845
Brussel · Eq €511,598
VALAMCO
BE 0459.602.034
Merelbeke-Melle · Eq €511,912
ADS ELECTRIC
BE 0825.467.822
Marche-en-Famenne · Eq €511,939
DN&T
BE 0880.074.961
Liège · Eq €511,518
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 34,464 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-1988
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.