DEZUMA SRL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €390k and a net result of €48k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 44% of 9864 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
14 d late
2022
48 d early
2021
26 d late
2020
25 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€390k▼ 48.3%
2023 · €754k
2018: €741k
2019: €739k
2020: €737k
2021: €735k
2022: €736k
2023: €754k
2018 → 2024
Net result
€48k▲ 174%
2023 · €17k
2018: €722k
2019: €-2k
2020: €-2k
2021: €-2k
2022: €1k
2023: €17k
2018 → 2024
Total assets
€812k▼ 10.3%
2023 · €904k
2018: €884k
2019: €785k
2020: €740k
2021: €829k
2022: €870k
2023: €904k
2018 → 2024
Solvency
48.0%▼ 35.4pp
2023 · 83.4%
2018: 83.8%
2019: 94.1%
2020: 99.6%
2021: 88.7%
2022: 84.7%
2023: 83.4%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€737k-€735k▼ 0.3%€736k▲ 0.2%€754k▲ 2.4%€390k▼ 48.3%
Operating result€-9k-€-1k▲ 87.1%€45k€30k▼ 32.9%€74k▲ 142%
Net result€-2k-€-2k▼ 6.4%€1k€17k▲ 1,414%€48k▲ 174%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 142% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €812k
Fixed assets
€34k▼ 1.0%
Current assets
€778k▼ 10.6%
Equity and liabilities €812k
Equity
€390k▼ 48.3%
Debt
€422k▲ 180%
The debt ratio rises from 16.6% to 52.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
48.0%▼
2023 · 83.4%
ROE
12.3%▲
2023 · 2.3%
ROA
5.9%▲
2023 · 1.9%
Debt
€422k▲
2023 · €151k
Debt ≤ 1 year
€422k▲
2023 · €146k
Income taxes
€29k▲
2023 · €10k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€904k€812k▼
Fixed assets21/28€34k€34k▼
Tangible fixed assets22/27€34k€34k▼
Land and buildings22€13k€13k=
Plant, machinery and equipment23€44€1k▲
Furniture and vehicles24€22k€20k▼
Current assets29/58€870k€778k▼
Amounts receivable after more than one year29€100k€550k▲
Trade receivables290-€400k
Other amounts receivable291€100k€150k▲
Stocks and contracts in progress3€66k€66k=
Stocks30/36€66k€66k=
Amounts receivable within one year40/41€49k€140k▲
Trade receivables40€46k€71k▲
Other amounts receivable41€3k€69k▲
Current investments50/53€216k-
Cash at bank and in hand54/58€438k€20k▼
Deferred charges and accrued income490/1€736€1k▲
Equity and liabilities
Total equity and liabilities10/49€904k€812k▼
Equity10/15€754k€390k▼
Contributions10/11€19k€19k=
Reserves13€735k€371k▼
Distributable reserves133€735k€371k▼
Amounts payable17/49€151k€422k▲
Amounts payable within one year42/48€146k€422k▲
Trade debts44€260€119▼
Suppliers440/4€260€119▼
Taxes, remuneration and social security45€49k€31k▼
Taxes450/3€49k€31k▼
Other amounts payable47/48€96k€391k▲
Accrued charges and deferred income492/3€5k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€165€158▼
Gross operating margin9900€37k€81k▲
Operating profit (loss)9901€30k€74k▲
Financial income75/76B€3k€16k▲
Recurring financial income75€3k€16k▲
Financial charges65/66B€5k€13k▲
Recurring financial charges65€5k€13k▲
Profit (loss) for the period before taxes9903€28k€77k▲
Income taxes67/77€10k€29k▲
Profit (loss) for the period9904€17k€48k▲
Profit (loss) for the period to be appropriated9905€17k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€48k▲
Transfer from equity791/2-€412k
Transfer to equity691/2€17k€48k▲
To other reserves6921€17k€48k▲
Profit to be distributed694/7-€412k
Return on contributions (dividend)694-€412k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity times 16current ratio 277.75
Current ratio from 17.06 to 277.75; short-term debt falls from €46k to €3k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity triplescurrent ratio 17.06
Current ratio from 6.12 to 17.06; short-term debt falls from €143k to €46k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · 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
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, Wavre · 1 establishment unit since 2018
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.
Clos du Paradis 51300 WavreGround area
2,467 m²
Building footprint
133 m²
Volume, LiDAR
716 m³
Parcel 25055D0522/03Z000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DZ MANAGEMENT
since 20182.275.884.373
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25055D0522/03Z000 | Wallonia | 2,467 m² | 1 · 133 m² | 9.6 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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Of 24,727 companies in sector 64210 we hold annual accounts for 19,754. 13,768 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.