Summary
DGL FINANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €6,833 and a net result of €145,531. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 1505 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
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 1505 sector peers (2025).
NBB · sector comparisonPosition among 1505 sector peers
Solvency
better than 10%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
8 d early
2022
4 d early
2021
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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 What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€6,833▼ 39.5%
2024 · €11,303
Net result
€145,531▼ 0.3%
2024 · €146,026
Total assets
€238,093▼ 13.8%
2024 · €276,294
Solvency
2.9%▼ 1.2pp
2024 · 4.1%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€99,441-€239,968▲ 141%€238,281▼ 0.7%€201,180▼ 15.6%€201,068▼ 0.1%
Net result€71,968within the sector's middle half-€177,194within the sector's middle half▲ 146%€174,614within the sector's middle half▼ 1.5%€146,026within the sector's middle half▼ 16.4%€145,531within the sector's middle half▼ 0.3%
Equity€76,468below the sector's middle half-€4,663below the sector's middle half▼ 93.9%€5,277below the sector's middle half▲ 13.2%€11,303below the sector's middle half▲ 114%€6,833below the sector's middle half▼ 39.5%
Total assets€150,333below the sector's middle half-€350,190below the sector's middle half▲ 133%€349,787below the sector's middle half▼ 0.1%€276,294below the sector's middle half▼ 21.0%€238,093below the sector's middle half▼ 13.8%
Debt€73,864-€345,528▲ 368%€344,510▼ 0.3%€264,991▼ 23.1%€231,260▼ 12.7%
Working capital€76,468within the sector's middle half-€4,663within the sector's middle half▼ 93.9%€5,650within the sector's middle half▲ 21.2%€10,413within the sector's middle half▲ 84.3%€2,205within the sector's middle half▼ 78.8%
Solvency50.9%within the sector's middle half-1.3%below the sector's middle half▼ 49.5pp1.5%below the sector's middle half▲ 0.2pp4.1%below the sector's middle half▲ 2.6pp2.9%below the sector's middle half▼ 1.2pp
Current ratio2.04within the sector's middle half-1.01within the sector's middle half▼ 1.021.02within the sector's middle half=1.04within the sector's middle half▲ 0.021.01within the sector's middle half▼ 0.03
Return on assets (ROA)47.9%above the sector's middle half-50.6%above the sector's middle half▲ 2.7pp49.9%above the sector's middle half▼ 0.7pp52.9%above the sector's middle half▲ 2.9pp61.1%above the sector's middle half▲ 8.3pp
Staff (FTE)4.1within the sector's middle half-4.4within the sector's middle half▲ 7.3%5within the sector's middle half▲ 13.6%4.6within the sector's middle half▼ 8.0%4.3within the sector's middle half▼ 6.5%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238,093
Fixed assets
€4,929 ▲ 350%
Current assets
€233,164 ▼ 15.3%
Equity and liabilities €238,093
Equity
€6,833 ▼ 39.5%
Debt
€231,260 ▼ 12.7%
Debt's share of the balance-sheet total rises from 95.9% to 97.1%. Equity and debt are lower.
Key figures and ratios
Debt ≤ 1 year
€230,958▼
2024 · €264,785
Income taxes
€52,358▼
2024 · €53,970
Staff costs
€270,544▲
2024 · €252,438
A ratio outside any meaningful range has been withheld (balance sheet total €238,093, equity €6,833).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €228,668 | €213,076 | €261,514 | €252,438 | €270,544 | ▲ 7.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,509 | €0 | - | €340 | €1,485 | ▲ 337% |
| Other operating charges640/8 | €720 | €533 | €676 | €1,029 | €1,707 | ▲ 65.8% |
| Gross operating margin9900 | €330,339 | €453,577 | €500,472 | €454,987 | €474,803 | ▲ 4.4% |
| Operating profit (loss)9901 | €99,441 | €239,968 | €238,281 | €201,180 | €201,068 | ▼ 0.1% |
| Financial income75/76B | €14 | €0 | €284 | €1,667 | €1,175 | ▼ 29.5% |
| Recurring financial income75 | €14 | €0 | €284 | €1,667 | €1,175 | ▼ 29.5% |
| Financial charges65/66B | €136 | €238 | €239 | €2,851 | €4,355 | ▲ 52.8% |
| Recurring financial charges65 | €136 | €238 | €239 | €2,851 | €4,355 | ▲ 52.8% |
| Profit (loss) for the period before taxes9903 | €99,319 | €239,730 | €238,327 | €199,996 | €197,888 | ▼ 1.1% |
| Income taxes67/77 | €27,351 | €62,536 | €63,713 | €53,970 | €52,358 | ▼ 3.0% |
| Profit (loss) for the period9904 | €71,968 | €177,194 | €174,614 | €146,026 | €145,531 | ▼ 0.3% |
| Profit (loss) for the period to be appropriated9905 | €71,968 | €177,194 | €174,614 | €146,026 | €145,531 | ▼ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €150,333 | €350,190 | €349,787 | €276,294 | €238,093 | ▼ 13.8% |
| Fixed assets21/28 | - | - | - | €1,095 | €4,929 | ▲ 350% |
| Tangible fixed assets22/27 | - | - | - | €1,095 | €4,929 | ▲ 350% |
| Plant, machinery and equipment23 | - | - | - | - | €4,312 | - |
| Furniture and vehicles24 | - | - | - | €1,095 | €617 | ▼ 43.7% |
| Current assets29/58 | €150,333 | €350,190 | €349,787 | €275,199 | €233,164 | ▼ 15.3% |
| Amounts receivable within one year40/41 | €103,220 | €89,428 | €103,123 | €108,673 | €110,372 | ▲ 1.6% |
| Trade receivables40 | €103,220 | €89,428 | €103,063 | €108,613 | €99,264 | ▼ 8.6% |
| Other amounts receivable41 | - | - | €60 | €60 | €11,107 | ▲ 18,400% |
| Cash at bank and in hand54/58 | €42,918 | €257,863 | €245,289 | €160,841 | €119,507 | ▼ 25.7% |
| Deferred charges and accrued income490/1 | €4,194 | €2,899 | €1,375 | €5,684 | €3,286 | ▼ 42.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €150,333 | €350,190 | €349,787 | €276,294 | €238,093 | ▼ 13.8% |
| Equity10/15 | €76,468 | €4,663 | €5,277 | €11,303 | €6,833 | ▼ 39.5% |
| Contributions10/11 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | = |
| Profit (loss) carried forward14 | €71,968 | €163 | €777 | €6,803 | €2,333 | ▼ 65.7% |
| Amounts payable17/49 | €73,864 | €345,528 | €344,510 | €264,991 | €231,260 | ▼ 12.7% |
| Amounts payable within one year42/48 | €73,864 | €345,528 | €344,137 | €264,785 | €230,958 | ▼ 12.8% |
| Current portion of amounts payable after more than one year42 | €4,111 | €0 | - | €28,730 | €30,482 | ▲ 6.1% |
| Trade debts44 | €980 | €6,623 | €2,227 | €2,265 | €2,063 | ▼ 8.9% |
| Suppliers440/4 | €980 | €6,623 | €2,227 | €2,265 | €2,063 | ▼ 8.9% |
| Taxes, remuneration and social security45 | €68,759 | €89,890 | €167,910 | €93,790 | €48,413 | ▼ 48.4% |
| Taxes450/3 | €29,280 | €62,536 | €126,167 | €67,102 | €10,739 | ▼ 84.0% |
| Remuneration and social security454/9 | €39,479 | €27,355 | €41,743 | €26,688 | €37,675 | ▲ 41.2% |
| Other amounts payable47/48 | €14 | €249,014 | €174,000 | €140,000 | €150,000 | ▲ 7.1% |
| Accrued charges and deferred income492/3 | - | - | €373 | €206 | €301 | ▲ 46.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €71,968 | €177,194 | €174,614 | €146,026 | €145,531 | ▼ 0.3% |
| + Depreciation and write-downs630 | €1,509 | €0 | - | €340 | €1,485 | ▲ 337% |
| Operating cash flow (approximation) | €73,478 | €177,194 | €174,614 | €146,366 | €147,015 | ▲ 0.4% |
| Investment in fixed assets (approximation) | - | - | - | - | -€5,318 | - |
| Change in cash | - | €214,945 | -€12,574 | -€84,448 | -€41,334 | ▲ 51.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2021net €177,194 ▲146%
Operating result €239,968, net result €177,194, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not 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
1 act for this company is 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, Eghezée · 1 establishment unit since 2021
Ground area
5,342 m²
Building footprint
1,200 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
DGL FINANCES
since 20212.311.688.360
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92133B0265/00M000 | Wallonia | 2,820 m² | 1 · 173 m² | - |
| 92039B0032/00Z002 | Wallonia | 2,522 m² | 1 · 1,027 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
3 ownersOwners 3
-
33.33%
-
25%
-
25%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
JPatrick Evrard Management
BE 0735.983.738
Ciney · Eq €6,829
Diva Patrimoine
BE 0785.294.875
Chapelle-lez-Herlaimont · Eq €6,791
CHG
BE 0744.564.674
Grez-Doiceau · Eq €6,764
JeBo
BE 0773.624.290
Zoersel · Eq €6,651
CATENA MONTANA
BE 1025.540.517
Ukkel · Eq €7,189
Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 272 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
Founded13-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0756538533
Registered
13-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.