DJB & Partners
ActiveSummary
DJB & Partners has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €8k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+2
Solvency88▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 2.45 in 2024; short-term debt: 36.5% and cash: 82.3% of total assets), and 36.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
63.5%
Return on assets
2.9%
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 30-08-2026, 30 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
30 d late
2024
31 d late
2023
31 d late
2022
26 d late
2021
on the day
2020
29 d late
2019
33 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€48k▼ 10.6%
2018 · €54k
2018: €54k
2018 → 2019
EBIT margin
-8.0%▼ 10.6pp
2018 · 2.5%
2018: 2.5%
2018 → 2019
Net result
€8k▲ 307%
2024 · €2k
2018: €348
2019: €-2k
2020: €20k
2021: €49k
2022: €2k
2023: €4k
2024: €2k
2018 → 2025
Working capital
€154k▲ 7.1%
2024 · €144k
2018: €102k
2019: €67k
2020: €88k
2021: €138k
2022: €139k
2023: €140k
2024: €144k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€168k-€171k▲ 1.2%€174k▲ 2.2%€176k▲ 1.2%€185k▲ 4.8%
Operating result€65k-€4k▼ 94.3%€5k▲ 30.5%€2k▼ 57.9%€11k▲ 429%
Net result€49k-€2k▼ 95.8%€4k▲ 84.7%€2k▼ 45.4%€8k▲ 307%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 429% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€31k ▼ 5.4%
Current assets
€261k ▲ 6.9%
Equity and liabilities €291k
Equity
€185k ▲ 4.8%
Debt
€106k ▲ 6.7%
Debt's share of the balance-sheet total rises from 36.1% to 36.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▲
2024 · €4k
Cash flow
€10k▲
2024 · €4k
Current ratio
2.45▲
2024 · 2.45
Debt to equity
0.58▲
2024 · 0.56
ROE
4.6%▲
2024 · 1.2%
ROA
2.9%▲
2024 · 0.7%
Interest coverage
80.45▲
2024 · 26.91
Debt ≤ 1 year
€106k▲
2024 · €100k
Income taxes
€3k▲
2024 · €876
Staff costs
€2k=
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€276k€291k▲
Fixed assets21/28€32k€31k▼
Intangible fixed assets21€30k€30k=
Tangible fixed assets22/27€2k€646▼
Plant, machinery and equipment23€2k€207▼
Furniture and vehicles24€877€439▼
Current assets29/58€244k€261k▲
Amounts receivable within one year40/41€20k€21k▲
Trade receivables40€16k€19k▲
Other amounts receivable41€4k€2k▼
Current investments50/53€99k-
Cash at bank and in hand54/58€125k€240k▲
Deferred charges and accrued income490/1-€23
Equity and liabilities
Total equity and liabilities10/49€276k€291k▲
Equity10/15€176k€185k▲
Contributions10/11€30k€30k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€143k€152k▲
Amounts payable17/49€100k€106k▲
Amounts payable within one year42/48€100k€106k▲
Trade debts44€261€330▲
Suppliers440/4€261€330▲
Taxes, remuneration and social security45€560€819▲
Taxes450/3€560€819▲
Other amounts payable47/48€99k€105k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€409€2k▲
Gross operating margin9900€6k€16k▲
Operating profit (loss)9901€2k€11k▲
Financial income75/76B€1k€914▼
Recurring financial income75€1k€914▼
Financial charges65/66B€141€156▲
Recurring financial charges65€141€156▲
Profit (loss) for the period before taxes9903€3k€12k▲
Income taxes67/77€876€3k▲
Profit (loss) for the period9904€2k€8k▲
Profit (loss) for the period to be appropriated9905€2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€143k€152k▲
Profit (loss) brought forward from the previous period14P€141k€143k▲
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
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 26 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €49k ▲144%
Operating result €65k, net result €49k, both a record.
31-12
Financial
Equity above €150kEq €168k ▲41.2%
2 profitable years in a row build equity to €168k.
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Equity above €100kEq €119k ▲20.4%
Equity rises from €99k to €119k.
28-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-2k ▼798%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
Show earlier events
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Bierbeek · 1 establishment unit since 1986
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.
Perrestraat(OPV) 93360 BierbeekGround area
2,902 m²
Building footprint
268 m²
Volume, LiDAR
1,505 m³
2 parcels, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rondelaan 4, 3360 Bierbeek
since 19862.035.066.037
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24713C0015/00B000 | Flanders | 2,685 m² | 1 · 173 m² | 7.9 m · 2 fl. |
| 24053B0177/00P000 | Flanders | 217 m² | 1 · 95 m² | 6.4 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 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,580 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-1986
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.