Checked.be
Active
BE 0877.481.202Private limited company
DIENSTENCHEQUES DENDER
Lambroeckstraat (OUD) 14 ·9200 Dendermonde, Belgium· 20 yrs active
Sector: Personal service activities
(96910)
Conclusion
DIENSTENCHEQUES DENDER has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €189k and a net result of €2k. Equity is shrinking by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 746 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €189k |
| Net result | €2k |
| Staff (FTE) | 43.2 |
| Better than sector | 43% |
Financial profile
53
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
71
Profitability
5
Solvency
57
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2005, 20 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
71
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€13k
estimate, not credit advice
Score history
74
2021
74
2022
86
2023
71
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.17 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.17 (≥ 1.0)
+5
Leverage
Debt/equity 1.95 (< 2.0)
+3
Profitability
ROE 1%
+3
Interest coverage
Interest coverage 4.8× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~13.4%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 96, Personal service activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 33.9% | 41.2% | |
| Net result | €2k | €21k | |
| Equity | €189k | €175k | |
| Gross operating margin | €1.53M | €284k | |
| Staff costs | €1.48M | €220k |
€46k
-64.8%
21-24
€2k
-97.3%
21-24
€17k
-81.1%
21-24
€558k
-15.5%
21-24
€189k
-30.4%
21-24
€61k
-53.5%
21-24
43
-2.9%
21-24
€1.48M
-3.5%
21-24
€5k
-83.3%
21-24
€84k
-22.3%
21-24
€369k
-5.2%
21-24
€366k
-4.7%
21-24
1.17
-13.0%
21-24
1.17
-13.0%
21-24
33.9%
-17.6%
21-24
1.95
+36.1%
21-24
1.0%
-96.2%
21-24
0.3%
-96.8%
21-24
4.78
-62.9%
21-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - |
| EBITDA | €46k | €129k | €44k | €47k |
| Net profit | €2k | €69k | €11k | €12k |
| Cash flow | €17k | €87k | €29k | €31k |
| Staff costs | €1.48M | €1.53M | €1.40M | €1.27M |
| Income taxes | €5k | €33k | €9k | €9k |
| Dividends | €84k | €108k | €800 | €120k |
| Total assets | €558k | €661k | €657k | €633k |
| Equity | €189k | €271k | €311k | €301k |
| Debt | €369k | €389k | €346k | €332k |
| of which ≤ 1y | €366k | €384k | €346k | €332k |
| of which > 1y | - | - | - | - |
| Working capital | €61k | €131k | €147k | €119k |
| Employees (FTE) | 43.2 | 44.5 | 43.4 | 45.2 |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 1.17 | 1.34 | 1.42 | 1.36 |
| Quick ratio | 1.17 | 1.34 | 1.42 | 1.36 |
| Working capital ratio | 10.9% | 19.7% | 22.3% | 18.8% |
| Solvency | 33.9% | 41.1% | 47.3% | 47.5% |
| Debt / equity | 1.95 | 1.43 | 1.12 | 1.11 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 4.78 | 12.87 | 6.68 | 7.85 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 0.3% | 10.5% | 1.6% | 1.8% |
| ROE | 1.0% | 25.5% | 3.4% | 3.9% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €558k | €661k | €657k | €633k |
| Fixed assets | 21/28 | €131k | €146k | €164k | €182k |
| Tangible fixed assets | 22/27 | €131k | €146k | €164k | €182k |
| Current assets | 29/58 | €427k | €515k | €493k | €451k |
| Amounts receivable within one year | 40/41 | €25k | €0 | €3k | €11k |
| Investments | 50/53 | €47k | €47k | €5k | €5k |
| Cash & bank | 54/58 | €298k | €379k | €429k | €314k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €558k | €661k | €657k | €633k |
| Equity | 10/15 | €189k | €271k | €311k | €301k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €170k | €253k | €292k | €282k |
| Accumulated profits (losses) | 14 | €0 | €0 | €0 | €0 |
| Amounts payable | 17/49 | €369k | €389k | €346k | €332k |
| Amounts payable within one year | 42/48 | €366k | €384k | €346k | €332k |
| Trade debts payable within one year | 44 | €19k | €38k | €14k | €18k |
| Income statement | |||||
| Gross operating margin | 9900 | €1.53M | €1.66M | €1.44M | €1.32M |
| Operating result | 9901 | €31k | €111k | €26k | €28k |
| Financial income | 75 | €2k | €504 | €659 | €417 |
| Financial charges | 65 | €10k | €10k | €7k | €6k |
| Result before taxes | 9903 | €7k | €102k | €20k | €21k |
| Income taxes | 67/77 | €5k | €33k | €9k | €9k |
| Net result for the period | 9904 | €2k | €69k | €11k | €12k |
| Result to be appropriated | 9905 | €2k | €69k | €11k | €12k |
Legal Structure
| NACE primary | Personal service activities(96910) |
| Legal form | Private limited company(610) |
| Incorporation | 24-11-2005 |
| Status | Active |
| Postal code | 9200 |
Establishment units
Dienstencheques Dender
since 20062.150.828.708
Dienstencheques Dender
since 20222.334.693.988
Real-estate footprint
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42016B0385/00B000 | Flanders | 382 m² | 1 · 80 m² | 10.5 m · 3 fl. |
| 42021A0374/00V000 | Flanders | 123 m² | 1 · 114 m² | 12.2 m · 3 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼97.3%
Net result drops to €2k, the lowest in the series.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €69k ▲558%
Operating result €111k, net result €69k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
General cleaning of buildings81210Personal service activities96910
Names & trade names
| Legal nameNL | DIENSTENCHEQUES DENDER |
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