DDBK SERVICES

Active

Private limited companyfounded 20197 yrs activeRue du Mouquet(R-C) 23, 7520 Tournai, BelgiumKBO/BCE: BE 0729.793.158

Summary

DDBK SERVICES has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17,119 and a net result of €738. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 396 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysis Watch Report Compare

DDBK SERVICESActiveChecked score 63/100

Risk analysis Report Compare

Checked score

Score 2025

63 / 100

Healthy

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability47▼-22

Solvency48▼-10

Growth78=

Track record100

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1,000 at 30 days acceptable

Liquidity short (current ratio 0.99 against 1.24 in 2024; short-term debt: 41.2% and cash: 10.3% of total assets), and 77% of the assets are financed with debt.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 94

Relative position

BE, all sectors

reference

Activities of membership organisations (NACE 94)

about 92% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 396 sector peers (2025).

NBB · sector comparison

Position among 396 sector peers

Solvency

better than 16%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

2 d early

2024

17 d early

2023

7 d early

2022

12 d early

2021

42 d early

2020

4 d early

← 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 14 days before the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 25% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 19 January (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

30-06-2026 close30-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

History

DDBK SERVICES was incorporated on 4 July 2019 as a Private limited company.¹ Total assets rose from EUR 16,481 in 2020 to EUR 74,413 in 2025 and headcount from 1 to 1 full-time equivalents.²

Go further with this company

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

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity

€17,119▲ 4.5%

2024 · €16,381

Total assets

€74,413▲ 50.0%

2024 · €49,611

Net result

€738▲ 250%

2024 · €211

Working capital

-€252

2024 · €7,003

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 94, Activities of membership organisations, 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€9,285€1,793▼ 80.7%€12,273▲ 584%€1,584▼ 87.1%€2,510▲ 58.4%

Net result€6,457€42▼ 99.4%€7,806▲ 18,642%€211▼ 97.3%€738▲ 250%

Equity€8,323▲ 346%€8,364▲ 0.5%€16,171▲ 93.3%€16,381▲ 1.3%€17,119▲ 4.5%

Total assets€26,029▲ 57.9%€28,141▲ 8.1%€44,374▲ 57.7%€49,611▲ 11.8%€74,413▲ 50.0%

Debt€17,706▲ 21.1%€19,777▲ 11.7%€28,203▲ 42.6%€33,230▲ 17.8%€57,294▲ 72.4%

Working capital€7,618▲ 308%€7,966▲ 4.6%€16,078▲ 102%€7,003▼ 56.4%-€252

Solvency32.0%▲ 20.7pp29.7%▼ 2.3pp36.4%▲ 6.7pp33.0%▼ 3.4pp23.0%▼ 10.0pp

Current ratio1.43▲ 0.301.40▼ 0.031.57▲ 0.171.24▼ 0.330.99▼ 0.25

Return on assets (ROA)24.8%▲ 31.7pp0.1%▼ 24.7pp17.6%▲ 17.4pp0.4%▼ 17.2pp1.0%▲ 0.6pp

Staff (FTE)1=1=1=1=1=

above within below the middle half (P25 to P75) of NACE 94, Activities of membership organisations, 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 recovers in 2025; 2025 is 58% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €74,413

59.2%

40.8%

Fixed assets €44,022 ▲ 230%

Current assets €30,390 ▼ 16.2%

Equity and liabilities €74,413

23.0%

77.0%

Equity €17,119 ▲ 4.5%

Debt €57,294 ▲ 72.4%

Debt's share of the balance-sheet total rises from 67.0% to 77.0%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€3,992▲

2024 · €3,146

Cash flow

€2,220▲

2024 · €1,772

Debt to equity

3.35▲

2024 · 2.03

ROE

4.3%▲

2024 · 1.3%

Interest coverage

3.28▼

2024 · 12.52

Debt ≤ 1 year

€30,643▲

2024 · €29,258

Debt > 1 year

€26,651▲

2024 · €3,972

Income taxes

€559▼

2024 · €1,122

Staff costs

€51,858▲

2024 · €49,228

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,275 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 95% are still going.

Micro
5 to 10 years old
solvency 10 to 30%
a profit under 5% of the balance sheet

2.5% went bankrupt

2.5% stopped otherwise

95% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group	Expected	Actual
1	0.2%	0.2%
2	0.3%	0.5%
3	0.5%	0.6%
4	0.7%	0.8%
5	0.9%	1.0%
6	1.3%	1.5%
7	1.6%	1.8%
8	1.8%	1.8%
9	3.0%	3.1%
10	5.6%	6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 3,275 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

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines

Balance sheet Code20242025

Assets

Total assets20/58€49,611€74,413▲

Fixed assets21/28€13,350€44,022▲

Tangible fixed assets22/27€13,350€44,022▲

Furniture and vehicles24€1,676€18,511▲

Other tangible fixed assets26€11,674€25,512▲

Current assets29/58€36,261€30,390▼

Amounts receivable within one year40/41€17,057€21,667▲

Trade receivables40€17,057€21,667▲

Cash at bank and in hand54/58€18,388€7,701▼

Deferred charges and accrued income490/1€816€1,023▲

Equity and liabilities

Total equity and liabilities10/49€49,611€74,413▲

Equity10/15€16,381€17,119▲

Contributions10/11€3,000€3,000=

Profit (loss) carried forward14€13,381€14,119▲

Amounts payable17/49€33,230€57,294▲

Amounts payable after more than one year17€3,972€26,651▲

Financial debts170/4€3,972€26,651▲

Amounts payable within one year42/48€29,258€30,643▲

Current portion of amounts payable after more than one year42€6,660€6,305▼

Trade debts44€2,087€5,538▲

Suppliers440/4€2,087€5,538▲

Taxes, remuneration and social security45€17,511€15,955▼

Taxes450/3€8,223€5,601▼

Remuneration and social security454/9€9,287€10,354▲

Other amounts payable47/48€3,001€2,844▼

Income statement Code20242025

Remuneration, social security and pensions62€49,228€51,858▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,562€1,482▼

Other operating charges640/8€2,255€2,956▲

Gross operating margin9900€54,630€58,807▲

Operating profit (loss)9901€1,584€2,510▲

Financial income75/76B-€3

Recurring financial income75-€3

Financial charges65/66B€251€1,216▲

Recurring financial charges65€251€1,216▲

Profit (loss) for the period before taxes9903€1,333€1,297▼

Income taxes67/77€1,122€559▼

Profit (loss) for the period9904€211€738▲

Profit (loss) for the period to be appropriated9905€211€738▲

Appropriation of the result

Profit (loss) to be appropriated9906€13,381€14,119▲

Profit (loss) brought forward from the previous period14P€13,171€13,381▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Remuneration, social security and pensions62	-	€44,558	€46,499	€49,228	€51,858	▲ 5.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€214	€306	€306	€1,562	€1,482	▼ 5.1%
Other operating charges640/8	-	€2,285	€2,250	€2,255	€2,956	▲ 31.1%
Gross operating margin9900	€51,296	€48,942	€61,328	€54,630	€58,807	▲ 7.6%
Operating profit (loss)9901	€9,285	€1,793	€12,273	€1,584	€2,510	▲ 58.4%
Financial income75/76B	-	-	-	-	€3	-
Recurring financial income75	€5	-	-	-	€3	-
Financial charges65/66B	-	€63	€37	€251	€1,216	▲ 384%
Recurring financial charges65	€53	€63	€37	€251	€1,216	▲ 384%
Profit (loss) for the period before taxes9903	€9,237	€1,731	€12,236	€1,333	€1,297	▼ 2.7%
Income taxes67/77	€2,779	€1,689	€4,430	€1,122	€559	▼ 50.2%
Profit (loss) for the period9904	€6,457	€42	€7,806	€211	€738	▲ 250%
Profit (loss) for the period to be appropriated9905	€6,457	€42	€7,806	€211	€738	▲ 250%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€26,029	€28,141	€44,374	€49,611	€74,413	▲ 50.0%
Fixed assets21/28	€705	€399	€92	€13,350	€44,022	▲ 230%
Tangible fixed assets22/27	€705	€399	€92	€13,350	€44,022	▲ 230%
Furniture and vehicles24	-	€399	€92	€1,676	€18,511	▲ 1,005%
Other tangible fixed assets26	-	-	-	€11,674	€25,512	▲ 119%
Current assets29/58	€25,323	€27,743	€44,281	€36,261	€30,390	▼ 16.2%
Amounts receivable within one year40/41	€14,442	€18,960	€36,985	€17,057	€21,667	▲ 27.0%
Trade receivables40	-	€18,960	€36,985	€17,057	€21,667	▲ 27.0%
Cash at bank and in hand54/58	€6,456	€4,634	€4,147	€18,388	€7,701	▼ 58.1%
Deferred charges and accrued income490/1	-	€4,148	€3,149	€816	€1,023	▲ 25.4%
Equity and liabilities
Total equity and liabilities10/49	€26,029	€28,141	€44,374	€49,611	€74,413	▲ 50.0%
Equity10/15	€8,323	€8,364	€16,171	€16,381	€17,119	▲ 4.5%
Contributions10/11	-	€3,000	€3,000	€3,000	€3,000	=
Profit (loss) carried forward14	€5,323	€5,364	€13,171	€13,381	€14,119	▲ 5.5%
Amounts payable17/49	€17,706	€19,777	€28,203	€33,230	€57,294	▲ 72.4%
Amounts payable after more than one year17	-	-	-	€3,972	€26,651	▲ 571%
Financial debts170/4	-	-	-	€3,972	€26,651	▲ 571%
Amounts payable within one year42/48	€17,706	€19,777	€28,203	€29,258	€30,643	▲ 4.7%
Current portion of amounts payable after more than one year42	-	-	-	€6,660	€6,305	▼ 5.3%
Trade debts44	€3,081	€4,294	€3,702	€2,087	€5,538	▲ 165%
Suppliers440/4	-	€4,294	€3,702	€2,087	€5,538	▲ 165%
Taxes, remuneration and social security45	-	€12,722	€21,701	€17,511	€15,955	▼ 8.9%
Taxes450/3	-	€4,439	€12,871	€8,223	€5,601	▼ 31.9%
Remuneration and social security454/9	-	€8,282	€8,830	€9,287	€10,354	▲ 11.5%
Other amounts payable47/48	-	€2,762	€2,801	€3,001	€2,844	▼ 5.2%

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€6,457	€42	€7,806	€211	€738	▲ 250%
+ Depreciation and write-downs630	€214	€306	€306	€1,562	€1,482	▼ 5.1%
Operating cash flow (approximation)	€6,672	€348	€8,113	€1,772	€2,220	▲ 25.2%
Investment in fixed assets (approximation)	-	€0	€0	-€14,819	-€32,155	▼ 117%
Change in cash	-	-€1,821	-€487	€14,241	-€10,688	▼ 175%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-01-2027

2026

29-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

14-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

24-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

Financial Highest result since 2020net €7,806 ▲18,642%

Operating result €12,273, net result €7,806, both a record.

19-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

20-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

30-06

Financial Back to profitnet €6,457

Net result €6,457 after one loss-making year.

27-01

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Tournai

exact location from the address register On OpenStreetMap

Ground area

1,802 m²

Building footprint

465 m²

Volume, LiDAR

2,936 m³

Parcel 57069A0492/00K000, Wallonia · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57069A0492/00K000	Wallonia	1,802 m²	1 · 465 m²	10.7 m · 2 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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b.creative international

Of 1,008 companies in sector 94120 we hold annual accounts for 352. 80 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

Founded04-07-2019

Fiscal year end30-06

Activities, NACEBEL 2025

71121Engineering and related technical consultancy, excluding land surveyors

94120Activities of professional membership organisations

E-invoicing

Reachable via Peppol

Peppol ID 0208:0729793158

Registered 29-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Scores and ratios are computed by Checked and are not a credit decision.