DBR SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of DBR SERVICES is 3.3% (moderate). The 2025 annual accounts show negative equity (-€52,040) and a net result of -€16,552. Equity is shrinking by ~73.6% per year across the filed fiscal years. Its solvency ranks better than 9% of 18606 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-45
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 202.4% and cash: 1% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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
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
-102.4%
Return on assets
-32.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 -€52,040
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 6 filingsDeviation from the deadline
2025
29 d late
2024
28 d late
2023
30 d late
2022
45 d early
2021
26 d late
2020
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 16 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€52,040▼ 46.6%
2024 · -€35,488
Total assets
€50,802▼ 25.1%
2024 · €67,793
Net result
-€16,552▼ 68.5%
2024 · -€9,825
Working capital
-€102,183▼ 2.0%
2024 · -€100,132
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,370▲ 94.0%-€12,381▼ 804%-€13,743▼ 11.0%-€8,175▲ 40.5%-€19,194▼ 135%
Net result-€3,373below the sector's middle half▲ 86.4%-€14,451below the sector's middle half▼ 328%-€15,512below the sector's middle half▼ 7.3%-€9,825below the sector's middle half▲ 36.7%-€16,552below the sector's middle half▼ 68.5%
Equity€4,300below the sector's middle half▼ 44.0%-€10,151below the sector's middle half-€25,663below the sector's middle half▼ 153%-€35,488below the sector's middle half▼ 38.3%-€52,040below the sector's middle half▼ 46.6%
Total assets€119,425within the sector's middle half▼ 24.2%€102,056within the sector's middle half▼ 14.5%€85,169within the sector's middle half▼ 16.5%€67,793within the sector's middle half▼ 20.4%€50,802below the sector's middle half▼ 25.1%
Debt€115,125▼ 23.2%€112,207▼ 2.5%€110,833▼ 1.2%€103,282▼ 6.8%€102,842▼ 0.4%
Working capital-€71,581below the sector's middle half▼ 28.9%-€82,109below the sector's middle half▼ 14.7%-€93,505below the sector's middle half▼ 13.9%-€100,132below the sector's middle half▼ 7.1%-€102,183below the sector's middle half▼ 2.0%
Solvency3.6%below the sector's middle half▼ 1.3pp-9.9%below the sector's middle half▼ 13.5pp-30.1%below the sector's middle half▼ 20.2pp-52.3%below the sector's middle half▼ 22.2pp-102.4%below the sector's middle half▼ 50.1pp
Current ratio0.03below the sector's middle half▼ 0.390.02below the sector's middle half▼ 0.010.02below the sector's middle half=0.01below the sector's middle half▼ 0.010.01below the sector's middle half=
Return on assets (ROA)-2.8%below the sector's middle half▲ 12.9pp-14.2%below the sector's middle half▼ 11.3pp-18.2%below the sector's middle half▼ 4.1pp-14.5%below the sector's middle half▲ 3.7pp-32.6%below the sector's middle half▼ 18.1pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19,194 in 2025 against €8,175 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50,802
Fixed assets
€50,143 ▼ 25.0%
Current assets
€659 ▼ 28.5%
Key figures and ratios
EBITDA
-€2,465▼
2024 · €8,697
Cash flow
€177▼
2024 · €7,046
Debt to equity
-1.98▲
2024 · -2.91
Interest coverage
-1.55▼
2024 · 5.27
Debt ≤ 1 year
€102,842▲
2024 · €101,054
Debt > 1 year
€0▼
2024 · €2,228
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,038 companies that looked in July 2024 the way this one looks now, 7.3% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.3%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,038 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €157 | €16,871 | €16,871 | €16,871 | €16,729 | ▼ 0.8% |
| Other operating charges640/8 | €163 | €859 | €1,062 | €1,971 | €639 | ▼ 67.6% |
| Gross operating margin9900 | -€1,050 | €5,349 | €4,191 | €10,668 | -€1,826 | ▼ 117% |
| Operating profit (loss)9901 | -€1,370 | -€12,381 | -€13,743 | -€8,175 | -€19,194 | ▼ 135% |
| Financial income75/76B | - | - | - | - | €4,237 | - |
| Recurring financial income75 | - | - | - | - | €4,237 | - |
| Financial charges65/66B | €2,003 | €2,070 | €1,769 | €1,650 | €1,595 | ▼ 3.3% |
| Recurring financial charges65 | €2,003 | €2,070 | €1,769 | €1,650 | €1,595 | ▼ 3.3% |
| Profit (loss) for the period before taxes9903 | -€3,373 | -€14,451 | -€15,512 | -€9,825 | -€16,552 | ▼ 68.5% |
| Profit (loss) for the period9904 | -€3,373 | -€14,451 | -€15,512 | -€9,825 | -€16,552 | ▼ 68.5% |
| Profit (loss) for the period to be appropriated9905 | -€3,373 | -€14,451 | -€15,512 | -€9,825 | -€16,552 | ▼ 68.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €119,425 | €102,056 | €85,169 | €67,793 | €50,802 | ▼ 25.1% |
| Fixed assets21/28 | €117,486 | €100,615 | €83,743 | €66,872 | €50,143 | ▼ 25.0% |
| Tangible fixed assets22/27 | €117,486 | €100,615 | €83,743 | €66,872 | €50,143 | ▼ 25.0% |
| Plant, machinery and equipment23 | €486 | €329 | €172 | €15 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €100,286 | €83,572 | €66,857 | €50,143 | ▼ 25.0% |
| Assets under construction and advance payments27 | €117,001 | - | - | - | - | - |
| Current assets29/58 | €1,939 | €1,441 | €1,426 | €921 | €659 | ▼ 28.5% |
| Amounts receivable within one year40/41 | €1,708 | €1,153 | €1,096 | €379 | €115 | ▼ 69.6% |
| Trade receivables40 | €882 | €882 | €882 | €0 | - | - |
| Other amounts receivable41 | €826 | €271 | €214 | €379 | €115 | ▼ 69.6% |
| Cash at bank and in hand54/58 | €231 | €287 | €329 | €542 | €531 | ▼ 2.1% |
| Deferred charges and accrued income490/1 | - | - | - | - | €13 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €119,425 | €102,056 | €85,169 | €67,793 | €50,802 | ▼ 25.1% |
| Equity10/15 | €4,300 | -€10,151 | -€25,663 | -€35,488 | -€52,040 | ▼ 46.6% |
| Contributions10/11 | €32,500 | €32,500 | €32,500 | €32,500 | €32,500 | = |
| Profit (loss) carried forward14 | -€28,200 | -€42,651 | -€58,163 | -€67,988 | -€84,540 | ▼ 24.3% |
| Amounts payable17/49 | €115,125 | €112,207 | €110,833 | €103,282 | €102,842 | ▼ 0.4% |
| Amounts payable after more than one year17 | €41,605 | €28,632 | €15,507 | €2,228 | €0 | ▼ 100% |
| Financial debts170/4 | €41,605 | €28,632 | €15,507 | €2,228 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €73,520 | €83,549 | €94,931 | €101,054 | €102,842 | ▲ 1.8% |
| Current portion of amounts payable after more than one year42 | €12,823 | €12,973 | €13,125 | €13,279 | €2,228 | ▼ 83.2% |
| Trade debts44 | €5,028 | €4,271 | €2,234 | €2,804 | €4,048 | ▲ 44.4% |
| Suppliers440/4 | €5,028 | €4,271 | €2,234 | €2,804 | €4,048 | ▲ 44.4% |
| Other amounts payable47/48 | €55,670 | €66,305 | €79,572 | €84,971 | €96,566 | ▲ 13.6% |
| Accrued charges and deferred income492/3 | - | €25 | €394 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,373 | -€14,451 | -€15,512 | -€9,825 | -€16,552 | ▼ 68.5% |
| + Depreciation and write-downs630 | €157 | €16,871 | €16,871 | €16,871 | €16,729 | ▼ 0.8% |
| Operating cash flow (approximation) | -€3,216 | €2,420 | €1,359 | €7,046 | €177 | ▼ 97.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €56 | €42 | €213 | -€12 | ▼ 105% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
NBB filing
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, Verviers · 1 establishment unit since 2020
Ground area
290 m²
Building footprint
74 m²
Volume, LiDAR
1,010 m³
Parcel 63036A0026/00B008, Wallonia · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
DBR SERVICES
since 20202.298.099.749
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0026/00B008 | Wallonia | 290 m² | 1 · 74 m² | 16.5 m · 5 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.
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 1,435 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
Founded06-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
73110Advertising agencies
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0733774712
Registered
20-01-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.