D3G
ActiveD3G has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €65k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 16% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+7
Solvency37▲+16
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 0.52 in 2024; short-term debt: 18.4% and cash: 2.4% of total assets), and 88.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 2025Solvency, return and age of the figures
Solvency
11.6%
Return on assets
15%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 8647 sector peers (2025).
NBB · sector comparisonPosition among 8647 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
2 d early
2023
13 d early
2022
28 d late
2021
31 d late
2020
31 d late
2019
28 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€65k▲ 71.0%
2024 · €38k
2018: €-33k
2019: €26k
2020: €-139k
2021: €5k
2022: €15k
2023: €20k
2024: €38k
2018 → 2025
Working capital
€19k
2024 · €-88k
2018: €-31k
2019: €-3k
2020: €45k
2021: €8k
2022: €7k
2023: €14k
2024: €-88k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-62k-€-46k▲ 25.0%€-26k▲ 43.6%€-15k▲ 43.8%€50k
Operating result€11k-€23k▲ 105%€31k▲ 34.9%€65k▲ 114%€98k▲ 50.0%
Net result€5k-€15k▲ 222%€20k▲ 30.5%€38k▲ 87.8%€65k▲ 71.0%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 50% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €431k
Fixed assets
€333k▲ 13.8%
Current assets
€98k▲ 1.5%
Equity and liabilities €431k
Equity
€50k
Debt
€381k
Debt finances 88.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€116k▲
2024 · €82k
Cash flow
€83k▲
2024 · €55k
Solvency
11.6%▲
2024 · -3.8%
Current ratio
1.24▲
2024 · 0.52
Quick ratio
1.24▲
2024 · 0.52
Debt / equity
7.59▲
2024 · -27.51
ROE
129.3%
ROA
15.0%▲
2024 · 9.7%
Interest coverage
9.37▲
2024 · 8.05
Debt
€381k▼
2024 · €404k
Debt ≤ 1 year
€79k▼
2024 · €185k
Debt > 1 year
€301k▲
2024 · €219k
Income taxes
€24k▲
2024 · €19k
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€389k€431k▲
Fixed assets21/28€293k€333k▲
Tangible fixed assets22/27€192k€233k▲
Land and buildings22€188k€175k▼
Furniture and vehicles24€4k€58k▲
Financial fixed assets28€100k€100k=
Current assets29/58€97k€98k▲
Amounts receivable after more than one year29€0€48k▲
Other amounts receivable291€0€48k▲
Amounts receivable within one year40/41€80k€35k▼
Trade receivables40€14k€17k▲
Other amounts receivable41€67k€19k▼
Cash at bank and in hand54/58€12k€10k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€389k€431k▲
Equity10/15€-15k€50k▲
Contributions10/11€12k€12k=
Reserves13€40k€40k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€-67k€-2k▲
Amounts payable17/49€404k€381k▼
Amounts payable after more than one year17€219k€301k▲
Financial debts170/4€219k€301k▲
Amounts payable within one year42/48€185k€79k▼
Current portion of amounts payable after more than one year42€32k€54k▲
Financial debts43€100k€0▼
Credit institutions430/8€100k€0▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€24k€20k▼
Taxes450/3€24k€18k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€27k€2k▼
Accrued charges and deferred income492/3€31€18▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€83k€119k▲
Operating profit (loss)9901€65k€98k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€10k€12k▲
Recurring financial charges65€10k€12k▲
Profit (loss) for the period before taxes9903€57k€89k▲
Income taxes67/77€19k€24k▲
Profit (loss) for the period9904€38k€65k▲
Profit (loss) for the period to be appropriated9905€38k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-2k▲
Profit (loss) brought forward from the previous period14P€-67k€-67k=
Transfer from equity791/2€26k€0▼
Transfer to equity691/2€38k€0▼
To other reserves6921€38k€0▼
Profit to be distributed694/7€26k€0▼
Return on contributions (dividend)694€26k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (28 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Highest result since 2018net €65k ▲71%
Operating result €98k, net result €65k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.24
Current ratio from 0.52 to 1.24; short-term debt falls from €185k to €79k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-139k ▼624%
Net result drops to €-139k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 10 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 10 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, Namur · 1 establishment unit since 2011
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.
Rue du Suary(WP) 695100 NamurGround area
1,460 m²
Building footprint
226 m²
Volume, LiDAR
2,065 m³
Parcel 92135H0319/00H000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
D3G
since 20112.222.701.748
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135H0319/00H000 | Wallonia | 1,460 m² | 1 · 226 m² | 11.4 m · 3 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 82,570 companies in sector 70200 we hold annual accounts for 52,573. 38,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.