DBN Invest
ActiveSummary
DBN Invest has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-657. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 83% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+1
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.26 against 5.02 in 2024; short-term debt: 23% and cash: 36% of total assets), and 23.3% 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+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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
76.7%
Return on assets
-1.8%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 d early
2024
18 d early
2023
9 d early
2022
27 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 9.5%
2024 · €32k
2022: €24k
2023: €32k
2024: €32k
2022 → 2025
Total assets
€37k▼ 5.1%
2024 · €39k
2022: €42k
2023: €40k
2024: €39k
2022 → 2025
Net result
€-657▲ 14.0%
2024 · €-764
2022: €21k
2023: €8k
2024: €-764
2022 → 2025
Working capital
€28k▼ 10.2%
2024 · €31k
2022: €23k
2023: €31k
2024: €31k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€24k-€32k▲ 32.4%€32k▼ 2.4%€29k▼ 9.5%
Operating result€28k-€12k▼ 56.5%€284▼ 97.6%€1k▲ 380%
Net result€21k-€8k▼ 63.1%€-764€-657▲ 14.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 380% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€818 ▲ 56.0%
Current assets
€37k ▼ 6.0%
Equity and liabilities €37k
Equity
€29k ▼ 9.5%
Debt
€9k ▲ 12.7%
Debt's share of the balance-sheet total rises from 19.6% to 23.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▲
2024 · €715
Cash flow
€7▲
2024 · €-333
Current ratio
4.26▼
2024 · 5.02
Debt to equity
0.30▲
2024 · 0.24
ROE
-2.3%▲
2024 · -2.4%
ROA
-1.8%▲
2024 · -1.9%
Interest coverage
13.49▲
2024 · 5.90
Debt ≤ 1 year
€9k▲
2024 · €8k
Income taxes
€2k▲
2024 · €928
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€39k€37k▼
Fixed assets21/28€524€818▲
Tangible fixed assets22/27€524€818▲
Furniture and vehicles24€524€818▲
Current assets29/58€39k€37k▼
Amounts receivable within one year40/41€18k€20k▲
Trade receivables40€16k€20k▲
Other amounts receivable41€2k€132▼
Cash at bank and in hand54/58€18k€13k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€39k€37k▼
Equity10/15€32k€29k▼
Contributions10/11€3k€3k=
Reserves13-€23k
Distributable reserves133-€23k
Profit (loss) carried forward14€29k€3k▼
Amounts payable17/49€8k€9k▲
Amounts payable within one year42/48€8k€9k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€96€0▼
Other amounts payable47/48€0€2k▲
Accrued charges and deferred income492/3-€138
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€431€664▲
Other operating charges640/8€81€1k▲
Gross operating margin9900€796€3k▲
Operating profit (loss)9901€284€1k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€121€150▲
Recurring financial charges65€121€150▲
Profit (loss) for the period before taxes9903€165€1k▲
Income taxes67/77€928€2k▲
Profit (loss) for the period9904€-764€-657▲
Profit (loss) for the period to be appropriated9905€-764€-657▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€28k▼
Profit (loss) brought forward from the previous period14P€29k€29k▼
Transfer from equity791/2-€2k
Transfer to equity691/2-€25k
To other reserves6921-€25k
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (9 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-764 ▼110%
Net result drops to €-764, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.12
Current ratio from 2.38 to 5.12; short-term debt falls from €17k to €8k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zottegem · 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.
Lippenhovestraat 10A9620 ZottegemGround area
767 m²
Building footprint
181 m²
Volume, LiDAR
552 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DBN Invest
since 20222.336.393.864
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41013A0157/00F000 | Flanders | 392 m² | 1 · 77 m² | 1.5 m |
| 41013A0157/00G000 | Flanders | 375 m² | 1 · 103 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 4,348 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
Founded28-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
64210Activities of holding companies
68110Buying and selling of own real estate
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.