DBZ Consulting
ActiveDBZ Consulting has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €45k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 36% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+23
Solvency66▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.3 against 7.65 in 2024; short-term debt: 22.6% and cash: 66.2% of total assets), but 58.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
41.4%
Return on assets
20%
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 28-08-2026, 28 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
28 d late
2024
29 d late
2023
23 d late
2022
27 d late
2021
30 d late
2020
30 d late
2019
90 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 8.9%
2024 · €86k
2018: €33k
2019: €36k
2020: €33k
2021: €41k
2022: €62k
2023: €88k
2024: €86k
2018 → 2025
Total assets
€226k▲ 18.9%
2024 · €190k
2018: €49k
2019: €65k
2020: €60k
2021: €135k
2022: €155k
2023: €157k
2024: €190k
2018 → 2025
Net result
€45k▲ 1,113%
2024 · €4k
2018: €5k
2019: €3k
2020: €8k
2021: €8k
2022: €23k
2023: €26k
2024: €4k
2018 → 2025
Working capital
€168k▲ 8.8%
2024 · €154k
2018: €24k
2019: €28k
2020: €27k
2021: €73k
2022: €84k
2023: €119k
2024: €154k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€62k▲ 53.9%€88k▲ 40.5%€86k▼ 2.2%€93k▲ 8.9%
Operating result€15k-€37k▲ 148%€42k▲ 13.7%€10k▼ 76.7%€67k▲ 581%
Net result€8k-€23k▲ 196%€26k▲ 15.1%€4k▼ 85.7%€45k▲ 1,113%
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 581% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226k
Fixed assets
€7k▼ 45.3%
Current assets
€219k▲ 23.3%
Equity and liabilities €226k
Equity
€93k▲ 8.9%
Debt
€132k▲ 27.1%
The debt ratio rises from 54.8% to 58.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €22k
Cash flow
€49k▲
2024 · €16k
Solvency
41.4%▼
2024 · 45.2%
Current ratio
4.30▼
2024 · 7.65
Quick ratio
4.30▼
2024 · 7.65
Debt / equity
1.42▲
2024 · 1.21
ROE
48.4%▲
2024 · 4.3%
ROA
20.0%▲
2024 · 2.0%
Interest coverage
12.50▲
2024 · 9.14
Debt
€132k▲
2024 · €104k
Debt ≤ 1 year
€51k▲
2024 · €23k
Debt > 1 year
€80k=
2024 · €80k
Income taxes
€19k▲
2024 · €6k
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€190k€226k▲
Fixed assets21/28€12k€7k▼
Tangible fixed assets22/27€12k€7k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€10k€5k▼
Current assets29/58€178k€219k▲
Amounts receivable within one year40/41€84k€32k▼
Trade receivables40-€75
Other amounts receivable41€84k€32k▼
Cash at bank and in hand54/58€76k€149k▲
Deferred charges and accrued income490/1€18k€37k▲
Equity and liabilities
Total equity and liabilities10/49€190k€226k▲
Equity10/15€86k€93k▲
Contributions10/11€20k€20k=
Reserves13€66k€73k▲
Distributable reserves133€66k€73k▲
Amounts payable17/49€104k€132k▲
Amounts payable after more than one year17€80k€80k=
Financial debts170/4€80k€80k=
Amounts payable within one year42/48€23k€51k▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€9k€9k▲
Other amounts payable47/48€7k€39k▲
Accrued charges and deferred income492/3€875€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€4k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€23k€72k▲
Operating profit (loss)9901€10k€67k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€0▼
Non-recurring financial income76B-€4k
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€10k€65k▲
Income taxes67/77€6k€19k▲
Profit (loss) for the period9904€4k€45k▲
Profit (loss) for the period to be appropriated9905€4k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€45k▲
Transfer from equity791/2€5k€38k▲
Transfer to equity691/2€3k€45k▲
To other reserves6921€3k€45k▲
Profit to be distributed694/7€6k€38k▲
Return on contributions (dividend)694€6k€38k▲
The notes to these accounts (8 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €45k ▲1113%
Operating result €67k, net result €45k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 7.29
Current ratio from 3.20 to 7.29; short-term debt falls from €38k to €19k.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼35.5%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Zonhoven · 2 establishment units since 1997
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.
Viartenstraat 13520 ZonhovenGround area
3,909 m²
Building footprint
507 m²
Volume, LiDAR
3,368 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
DBZ Consulting
since 19972.083.698.273
DBZ Consulting
since 20112.206.669.133
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443F0049/00K000 | Flanders | 2,781 m² | 1 · 334 m² | 11.7 m · 3 fl. |
| 71442D0001/00D002 | Flanders | 1,128 m² | 1 · 173 m² | 8.2 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 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-1997
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.