DBJM
DBJM 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 €4.20M and a net result of €305k. Equity is growing by ~327.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 478 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €4.20M |
| Net result | €305k |
| Better than sector | 36% |
| Active | 3 yrs |
Mixed profile: strong on stability, weaker on health.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 29.5% | 42.4% | |
| Net result | €305k | €73k | |
| Equity | €4.20M | €466k | |
| Gross operating margin | €447k | €88k | |
| Total assets | €14.25M | €1.55M |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €305k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €112k |
| Dividends | - |
| Total assets | €14.25M |
| Equity | €4.20M |
| Debt | €10.05M |
| of which ≤ 1y | €1.56M |
| of which > 1y | €8.48M |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 29.5% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 2.1% |
| ROE | 7.3% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €14.25M |
| Fixed assets | 21/28 | €13.36M |
| Financial fixed assets | 28 | €13.36M |
| Current assets | 29/58 | €892k |
| Amounts receivable within one year | 40/41 | €40k |
| Cash & bank | 54/58 | €847k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €14.25M |
| Equity | 10/15 | €4.20M |
| Contributions / capital | 10/11 | €3.26M |
| Reserves | 13 | €935k |
| Amounts payable | 17/49 | €10.05M |
| Amounts payable after one year | 17 | €8.48M |
| Amounts payable within one year | 42/48 | €1.56M |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €447k |
| Operating result | 9901 | €446k |
| Financial income | 75 | €6k |
| Financial charges | 65 | €35k |
| Result before taxes | 9903 | €417k |
| Income taxes | 67/77 | €112k |
| Net result for the period | 9904 | €305k |
| Result to be appropriated | 9905 | €137k |
| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| Moore AuditCurrent Company auditor · represented by Turcq Maud |
- | 09-12-2025 → present |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 29-06-2023 |
| Status | Active |
| Postal code | 8501 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34007B0040/00Z002 | Flanders | 4,110 m² | 1 · 2,903 m² | 10.7 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
17-12-2025 Articles of association amended
Technical details
{
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"statute_change": {
"name_change": false,
"seat_change": false,
"object_change": false,
"effective_date": "2025-12-09",
"legal_form_change": false
},
"bedrijfsrevisor": {
"quote": "De vergadering erkent kennis te hebben genomen van het controleverslag van de bedrijfsrevisor, te weten de besloten vennootschap \u0022Moore Audit\u0022, met zetel te 8560 Wevelgem, Kortrijkstraat 145, vertegenwoordigd door mevrouw Turcq Maud, opgemaakt op 20 november 2025 in toepassing van artikel 5:133 van het Wetboek van vennootschappen en verenigingen.",
"firm_kbo": "0453.925.059",
"firm_name": "Moore Audit",
"ibr_number": null,
"individual_name": "Turcq Maud"
},
"subject_company": {
"kbo": "0803.386.068",
"name_full": "DBJM",
"legal_form": "BV"
},
"signature_regime": null,
"special_mandates": [],
"governance_change": {
"admin_delegated_added": []
}
}04-03-2024 Registered office moved within Kortrijk
- Steenstratelaan 11, 8500 Kortrijk → Moravie 30, 8501 Kortrijk
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Kortrijk",
"region": null,
"street": "Moravie",
"country": "BE",
"postcode": "8501",
"box_number": null,
"street_number": "30"
},
"old_address": {
"city": "Kortrijk",
"region": null,
"street": "Steenstratelaan",
"country": "BE",
"postcode": "8500",
"box_number": null,
"street_number": "11"
},
"effective_date": "2024-01-15",
"evidence_quote": "Bij eenvoudige beslissing van de enige bestuurder d.d. 15/01/2024 wordt de zetel van de vennootschap met ingang van 15/01/2024 verplaatst naar het volgende adres: Moravie 30 8501 Kortrijk (Bissegem)"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0803.386.068",
"name_full": "DBJM",
"legal_form": "BV"
}
}03-07-2023 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "8500 Kortrijk, Steenstratelaan 11",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": null,
"name": "Deboeverie, Jeroen Edwig",
"niss": null,
"address": "8500 Kortrijk, Steenstratelaan 11"
},
"share_class": "Aandelen",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 5000,
"holder_person_name": "Deboeverie, Jeroen Edwig",
"is_subscriber_only": false,
"n_shares_subscribed": 300,
"amount_subscribed_eur": 5000,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 5000,
"subject_company": {
"kbo": "0803.386.068",
"name_full": "DBJM",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2023-06-28",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | DBJM |