D96
ActiveSummary
D96 has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-16k) and a net result of €-3k. Equity is shrinking by ~48.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▲+12
Solvency7▼-4
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.33 against 0.07 in 2024; short-term debt: 5.7% and cash: 1.6% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-17.5%
Return on assets
-2.7%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-16k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
55 d early
2023
47 d early
2022
4 d early
2021
59 d early
2020
33 d early
← 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
€-16k▼ 18.3%
2024 · €-14k
2020: €3khighest in 6 years
2021: €-1k▼ -129% vs 2020
2022: €-8k▼ -636% vs 2021
2023: €-9k▼ -14.6% vs 2022
2024: €-14k▼ -57.7% vs 2023
2025: €-16k▼ -18.3% vs 2024lowest in 6 years
2020 → 2025
Total assets
€92k▼ 7.1%
2024 · €99k
2020: €129khighest in 6 years
2021: €123k▼ -5.3% vs 2020
2022: €113k▼ -8.0% vs 2021
2023: €109k▼ -3.6% vs 2022
2024: €99k▼ -8.6% vs 2023
2025: €92k▼ -7.1% vs 2024lowest in 6 years
2020 → 2025
Net result
€-3k▲ 49.9%
2024 · €-5k
2020: €-3k
2021: €-5k▼ -80.0% vs 2020
2022: €-7k▼ -44.6% vs 2021lowest in 6 years
2023: €-1k▲ +83.1% vs 2022highest in 6 years
2024: €-5k▼ -354% vs 2023
2025: €-3k▲ +49.9% vs 2024
2020 → 2025
Working capital
€-4k▲ 87.8%
2024 · €-29k
2020: €-17k
2021: €-20k▼ -14.5% vs 2020
2022: €-25k▼ -29.7% vs 2021
2023: €-26k▼ -3.6% vs 2022
2024: €-29k▼ -9.0% vs 2023lowest in 6 years
2025: €-4k▲ +87.8% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-1k-€-8k▼ 636%€-9k▼ 14.6%€-14k▼ 57.7%€-16k▼ 18.3%
2021: €-1khighest in 5 years
2022: €-8k▼ -636% vs 2021
2023: €-9k▼ -14.6% vs 2022
2024: €-14k▼ -57.7% vs 2023
2025: €-16k▼ -18.3% vs 2024lowest in 5 years
Operating result€-2k-€-4k▼ 105%€904€-2k€-141▲ 93.4%
2021: €-2k
2022: €-4k▼ -105% vs 2021lowest in 5 years
2023: €904▲ +125% vs 2022highest in 5 years
2024: €-2k▼ -336% vs 2023
2025: €-141▲ +93.4% vs 2024
Net result€-5k-€-7k▼ 44.6%€-1k▲ 83.1%€-5k▼ 354%€-3k▲ 49.9%
2021: €-5k
2022: €-7k▼ -44.6% vs 2021lowest in 5 years
2023: €-1k▲ +83.1% vs 2022highest in 5 years
2024: €-5k▼ -354% vs 2023
2025: €-3k▲ +49.9% vs 2024
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 stays negative: a loss of €141 in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€91k ▼ 6.9%
Current assets
€2k ▼ 15.4%
Key figures and ratios
EBITDA
€7k▲
2024 · €5k
Cash flow
€4k▲
2024 · €2k
Solvency
-17.5%▼
2024 · -13.8%
Current ratio
0.33▲
2024 · 0.07
Debt to equity
-6.71▲
2024 · -8.27
ROA
-2.7%▲
2024 · -5.0%
Interest coverage
2.77▲
2024 · 1.68
Debt
€108k▼
2024 · €113k
Debt ≤ 1 year
€5k▼
2024 · €31k
Debt > 1 year
€103k▲
2024 · €82k
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 · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€99k€92k▼
Fixed assets21/28€97k€91k▼
Tangible fixed assets22/27€97k€91k▼
Land and buildings22€96k€90k▼
Furniture and vehicles24€787€549▼
Current assets29/58€2k€2k▼
Amounts receivable within one year40/41€0-
Trade receivables40€0-
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€37€300▲
Equity and liabilities
Total equity and liabilities10/49€99k€92k▼
Equity10/15€-14k€-16k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-20k€-22k▼
Amounts payable17/49€113k€108k▼
Amounts payable after more than one year17€82k€103k▲
Financial debts170/4€82k€77k▼
Other amounts payable178/9-€26k
Amounts payable within one year42/48€31k€5k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€224€421▲
Suppliers440/4€224€421▲
Other amounts payable47/48€26k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€6k€8k▲
Operating profit (loss)9901€-2k€-141▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-5k€-3k▲
Profit (loss) for the period9904€-5k€-3k▲
Profit (loss) for the period to be appropriated9905€-5k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-22k▼
Profit (loss) brought forward from the previous period14P€-15k€-20k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €7k | €7k | €7k | €7k | ▼ 3.7% |
| Other operating charges640/8 | €753 | €771 | €1k | €1k | €1k | ▲ 3.2% |
| Gross operating margin9900 | €5k | €4k | €9k | €6k | €8k | ▲ 29.2% |
| Operating profit (loss)9901 | €-2k | €-4k | €904 | €-2k | €-141 | ▲ 93.4% |
| Financial charges65/66B | €3k | €3k | €2k | €3k | €2k | ▼ 17.4% |
| Recurring financial charges65 | €3k | €3k | €2k | €3k | €2k | ▼ 17.4% |
| Profit (loss) for the period before taxes9903 | €-5k | €-7k | €-1k | €-5k | €-3k | ▲ 49.9% |
| Profit (loss) for the period9904 | €-5k | €-7k | €-1k | €-5k | €-3k | ▲ 49.9% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €-7k | €-1k | €-5k | €-3k | ▲ 49.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €123k | €113k | €109k | €99k | €92k | ▼ 7.1% |
| Fixed assets21/28 | €115k | €109k | €104k | €97k | €91k | ▼ 6.9% |
| Tangible fixed assets22/27 | €115k | €109k | €104k | €97k | €91k | ▼ 6.9% |
| Land and buildings22 | €114k | €107k | €103k | €96k | €90k | ▼ 6.7% |
| Furniture and vehicles24 | €1k | €2k | €1k | €787 | €549 | ▼ 30.3% |
| Current assets29/58 | €8k | €4k | €5k | €2k | €2k | ▼ 15.4% |
| Amounts receivable within one year40/41 | €201 | €0 | €250 | €0 | - | - |
| Trade receivables40 | €201 | €0 | €250 | €0 | - | - |
| Cash at bank and in hand54/58 | €7k | €4k | €4k | €2k | €1k | ▼ 28.7% |
| Deferred charges and accrued income490/1 | €122 | €37 | €37 | €37 | €300 | ▲ 719% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €123k | €113k | €109k | €99k | €92k | ▼ 7.1% |
| Equity10/15 | €-1k | €-8k | €-9k | €-14k | €-16k | ▼ 18.3% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €-7k | €-14k | €-15k | €-20k | €-22k | ▼ 12.7% |
| Amounts payable17/49 | €124k | €120k | €117k | €113k | €108k | ▼ 4.0% |
| Amounts payable after more than one year17 | €96k | €91k | €87k | €82k | €103k | ▲ 25.5% |
| Financial debts170/4 | €96k | €91k | €87k | €82k | €77k | ▼ 5.9% |
| Other amounts payable178/9 | - | - | - | - | €26k | - |
| Amounts payable within one year42/48 | €27k | €29k | €31k | €31k | €5k | ▼ 82.9% |
| Current portion of amounts payable after more than one year42 | €4k | €5k | €5k | €5k | €5k | ▲ 2.6% |
| Trade debts44 | €0 | - | €421 | €224 | €421 | ▲ 87.8% |
| Suppliers440/4 | €0 | - | €421 | €224 | €421 | ▲ 87.8% |
| Other amounts payable47/48 | €23k | €24k | €26k | €26k | - | - |
| Accrued charges and deferred income492/3 | €218 | €209 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €-7k | €-1k | €-5k | €-3k | ▲ 49.9% |
| + Depreciation and write-downs630 | €6k | €7k | €7k | €7k | €7k | ▼ 3.7% |
| Operating cash flow (approximation) | €2k | €125 | €6k | €2k | €4k | ▲ 115% |
| Investment in fixed assets (approximation) | - | €-1k | €-2k | €0 | €0 | - |
| Change in cash | - | €-4k | €678 | €-2k | €-579 | ▲ 73.6% |
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Lubbeek · 1 establishment unit since 2020
Ground area
846 m²
Building footprint
178 m²
Volume, LiDAR
1,725 m³
Parcel 24063B0269/00S003, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
D96
since 20202.299.156.752
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063B0269/00S003 | Flanders | 846 m² | 1 · 178 m² | 11.7 m · 3 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 · 1,080 EUR awarded · 1,080 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,080 EUR | 1,080 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,533 companies in sector 86931 we hold annual accounts for 551. 244 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
Founded30-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
86931Psychology services
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.