DBS INVEST
ActiveDBS INVEST has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €616k and a net result of €6k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 186 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-37
Solvency58=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.61 in 2024; short-term debt: 29.2% and cash: 1.7% of total assets), and 66.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 22
Relative position
BE, all sectors
reference
Sector 22
higher
← fewer bankruptcies
more bankruptcies →
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
33.3%
Return on assets
0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
21 d late
2023
29 d late
2022
22 d late
2021
30 d late
2020
26 d late
2019
27 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k▼ 92.1%
2024 · €69k
2018: €24k
2019: €-866
2020: €62k
2021: €37k
2022: €17k
2023: €94k
2024: €69k
2018 → 2025
Working capital
€-264k▼ 33.9%
2024 · €-197k
2018: €82k
2019: €20k
2020: €47k
2021: €-49k
2022: €-59k
2023: €-76k
2024: €-197k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€430k-€447k▲ 4.1%€541k▲ 21.0%€610k▲ 12.8%€616k▲ 0.9%
Operating result€63k-€37k▼ 40.9%€128k▲ 243%€127k▼ 1.1%€-3k
Net result€37k-€17k▼ 52.8%€94k▲ 439%€69k▼ 25.9%€6k▼ 92.1%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €127k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.85M
Fixed assets
€1.57M▲ 1.4%
Current assets
€277k▼ 8.3%
Equity and liabilities €1.85M
Equity
€616k▲ 0.9%
Debt
€1.23M▼ 0.7%
The debt ratio falls from 67.1% to 66.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€62k▼
2024 · €193k
Cash flow
€70k▼
2024 · €136k
Solvency
33.3%▲
2024 · 32.9%
Current ratio
0.51▼
2024 · 0.61
Quick ratio
0.28▼
2024 · 0.49
Debt / equity
2.00▼
2024 · 2.04
ROE
0.9%▼
2024 · 11.4%
ROA
0.3%▼
2024 · 3.8%
Interest coverage
1.81▼
2024 · 5.67
Debt
€1.23M▼
2024 · €1.24M
Debt ≤ 1 year
€540k▲
2024 · €499k
Debt > 1 year
€692k▼
2024 · €743k
Income taxes
€4k▼
2024 · €24k
Staff costs
€250k▲
2024 · €223k
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€1.85M€1.85M▼
Fixed assets21/28€1.55M€1.57M▲
Tangible fixed assets22/27€1.55M€1.57M▲
Land and buildings22€1.44M€1.47M▲
Plant, machinery and equipment23€40k€35k▼
Furniture and vehicles24€33k€31k▼
Other tangible fixed assets26€32k€28k▼
Financial fixed assets28€5k€5k=
Current assets29/58€302k€277k▼
Stocks and contracts in progress3€58k€124k▲
Stocks30/36€58k€124k▲
Amounts receivable within one year40/41€206k€115k▼
Trade receivables40€201k€102k▼
Other amounts receivable41€5k€13k▲
Cash at bank and in hand54/58€33k€32k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.85M€1.85M▼
Equity10/15€610k€616k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€199k€199k=
Reserves13€93k€93k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€17k€17k=
Distributable reserves133€69k€69k=
Profit (loss) carried forward14€256k€262k▲
Amounts payable17/49€1.24M€1.23M▼
Amounts payable after more than one year17€743k€692k▼
Financial debts170/4€743k€692k▼
Amounts payable within one year42/48€499k€540k▲
Current portion of amounts payable after more than one year42€59k€51k▼
Financial debts43-€45
Credit institutions430/8-€45
Trade debts44€209k€249k▲
Suppliers440/4€209k€249k▲
Advances received on contracts in progress46€37€0▼
Taxes, remuneration and social security45€104k€54k▼
Taxes450/3€64k€24k▼
Remuneration and social security454/9€40k€30k▼
Other amounts payable47/48€126k€186k▲
Income statement
Code20242025
Remuneration, social security and pensions62€223k€250k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€64k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€421k€316k▼
Operating profit (loss)9901€127k€-3k▼
Financial income75/76B€1k€47k▲
Recurring financial income75€1k€47k▲
Financial charges65/66B€35k€34k▼
Recurring financial charges65€34k€34k▼
Non-recurring financial charges66B€500€0▼
Profit (loss) for the period before taxes9903€93k€10k▼
Income taxes67/77€24k€4k▼
Profit (loss) for the period9904€69k€6k▼
Profit (loss) for the period to be appropriated9905€69k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€326k€262k▼
Profit (loss) brought forward from the previous period14P€256k€256k=
Transfer to equity691/2€69k€0▼
To other reserves6921€69k€0▼
Social balance
Average headcount (FTE)90876.36.0▼
The notes to these accounts (14 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 30 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €94k ▲439%
Operating result €128k, net result €94k, both a record.
31-12
Financial
Equity above €500kEq €541k ▲21%
4 profitable years in a row build equity to €541k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-866 ▼104%
Net result drops to €-866, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Pieters-Leeuw · 1 establishment unit since 1990
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.
Beersbrugstraat 621602 Sint-Pieters-LeeuwGround area
955 m²
Building footprint
683 m²
Volume, LiDAR
3,888 m³
Parcel 23089B0364/00D000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D.B.S. INVEST NV
since 19902.050.181.607
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23089B0364/00D000 | Flanders | 955 m² | 1 · 683 m² | 8.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 725 EUR awarded · 725 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 198 EUR | 198 EUR |
| 2022 | 1 | 527 EUR | 527 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 629 companies in sector 22240 we hold annual accounts for 360. 237 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-08-1990
Fiscal year end31-12
Abbreviation NL
D.B.S.I.
Activities, NACEBEL
22240Manufacture of rubber and plastic products
46836Wholesale trade
46643Wholesale of electrical equipment, including installation materials
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.