DBSZ
ActiveThe computed 12-month bankruptcy probability of DBSZ is 2.5% (moderate). The 2025 annual accounts show equity of €159k and a net result of €19k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 7683 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+3
Solvency37▼-16
Growth52=
Stability100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.9 in 2024), and 77.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
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
22.2%
Return on assets
2.7%
Age of the figures
8 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 08-06-2026, 53 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
53 d early
2024
122 d early
2023
69 d early
2022
21 d late
2021
31 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€159k▲ 12.8%
2024 · €141k
2021: €84k
2022: €112k
2023: €137k
2024: €141k
2021 → 2025
Total assets
€715k▲ 16.3%
2024 · €615k
2021: €360k
2022: €412k
2023: €419k
2024: €615k
2021 → 2025
Net result
€19k▲ 19.1%
2024 · €16k
2021: €44k
2022: €28k
2023: €24k
2024: €16k
2021 → 2025
Working capital
€56k▼ 39.1%
2024 · €92k
2021: €-7k
2022: €20k
2023: €40k
2024: €92k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€112k▲ 33.3%€137k▲ 21.7%€141k▲ 3.1%€159k▲ 12.8%
Operating result€58k-€44k▼ 23.4%€45k▲ 1.4%€32k▼ 28.5%€48k▲ 49.6%
Net result€44k-€28k▼ 36.6%€24k▼ 13.0%€16k▼ 34.6%€19k▲ 19.1%
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 50% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €715k
Fixed assets
€459k▲ 9.0%
Current assets
€256k▲ 32.0%
Equity and liabilities €715k
Equity
€159k▲ 12.8%
Debt
€556k▲ 17.3%
The debt ratio rises from 77.1% to 77.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€74k▲
2024 · €74k
Cash flow
€45k▼
2024 · €58k
Solvency
22.2%▼
2024 · 22.9%
Current ratio
1.28▼
2024 · 1.90
Quick ratio
1.28▼
2024 · 1.90
Debt / equity
3.50▲
2024 · 3.37
ROE
11.9%▲
2024 · 11.3%
ROA
2.7%▲
2024 · 2.6%
Interest coverage
4.50▼
2024 · 8.78
Debt
€556k▲
2024 · €474k
Debt ≤ 1 year
€200k▲
2024 · €102k
Debt > 1 year
€356k▼
2024 · €372k
Income taxes
€13k▲
2024 · €8k
Staff costs
€434k▼
2024 · €563k
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€615k€715k▲
Fixed assets21/28€421k€459k▲
Tangible fixed assets22/27€420k€458k▲
Land and buildings22€415k€455k▲
Furniture and vehicles24€1k€294▼
Leasing and similar rights25€4k€2k▼
Financial fixed assets28€1k€1k=
Current assets29/58€194k€256k▲
Amounts receivable within one year40/41€114k€141k▲
Trade receivables40€85k€93k▲
Other amounts receivable41€29k€48k▲
Cash at bank and in hand54/58€77k€113k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€615k€715k▲
Equity10/15€141k€159k▲
Contributions10/11€40k€40k=
Reserves13€101k€119k▲
Distributable reserves133€101k€119k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€474k€556k▲
Amounts payable after more than one year17€372k€356k▼
Financial debts170/4€372k€356k▼
Amounts payable within one year42/48€102k€200k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€24k€126k▲
Suppliers440/4€24k€126k▲
Taxes, remuneration and social security45€50k€56k▲
Taxes450/3€9k€0▼
Remuneration and social security454/9€42k€56k▲
Other amounts payable47/48€12k€910▼
Income statement
Code20242025
Non-recurring operating income76A€38k€0▼
Remuneration, social security and pensions62€563k€434k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€26k▼
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A€538€0▼
Gross operating margin9900€642k€510k▼
Operating profit (loss)9901€32k€48k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€8k€17k▲
Recurring financial charges65€8k€17k▲
Profit (loss) for the period before taxes9903€24k€32k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€16k€19k▲
Profit (loss) for the period to be appropriated9905€16k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€19k▲
Transfer from equity791/2€2k€910▼
Transfer to equity691/2€6k€19k▲
To other reserves6921€6k€19k▲
Profit to be distributed694/7€12k€910▼
Return on contributions (dividend)694€2k€910▼
Directors or managers695€10k€0▼
The notes to these accounts (12 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €159k ▲12.8%
5 profitable years in a row build equity to €159k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼34.6%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Equity above €100kEq €112k ▲33.3%
2 profitable years in a row build equity to €112k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-11-2024
Andres Cherlet: Resigned as Director
14-11-2024
Martijn Mollet: Resigned as Director
31-07-2024
Andres Cherlet: Appointed as Director
31-07-2024
Martijn Mollet: Appointed as Director
31-07-2024
Maciej Dobosz: Resigned as Director
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2020
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.
Blankenbergse Steenweg 258000 BruggeGround area
350 m²
Building footprint
316 m²
Volume, LiDAR
2,130 m³
Parcel 31808M0438/00Z014, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DBSZ
since 20202.304.678.329
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808M0438/00Z014 | Flanders | 350 m² | 1 · 316 m² | 13.3 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.
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STIALTRA
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BE 0640.730.431
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Van Hulle - Verhulst
BE 0780.700.342
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V.R.T. TRANSPORT
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TRANS SARAH
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Sint-Jans-Molenbeek · Eq €159k
Of 12,446 companies in sector 49410 we hold annual accounts for 8,083. 6,259 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2020
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.