DK BIZ
ActiveDK BIZ has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.22M and a net result of €118k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-1
Solvency95▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.55 in 2024; short-term debt: 10% and cash: 4.2% of total assets), and 29.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
70.3%
Return on assets
6.8%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
30 d early
2023
61 d late
2022
60 d late
2021
74 d late
2020
3 d early
2018
34 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.22M▲ 6.6%
2024 · €1.14M
2018: €472k
2020: €727k
2021: €787k
2022: €884k
2023: €1.02M
2024: €1.14M
2018 → 2025
Total assets
€1.73M▲ 3.2%
2024 · €1.68M
2018: €1.08M
2020: €1.56M
2021: €1.57M
2022: €1.54M
2023: €1.61M
2024: €1.68M
2018 → 2025
Net result
€118k▼ 7.5%
2024 · €127k
2018: €26k
2020: €43k
2021: €59k
2022: €96k
2023: €131k
2024: €127k
2018 → 2025
Working capital
€157k▲ 72.1%
2024 · €91k
2018: €-53k
2020: €-119k
2021: €-148k
2022: €-90k
2023: €35k
2024: €91k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€787k-€884k▲ 12.4%€1.02M▲ 15.0%€1.14M▲ 12.5%€1.22M▲ 6.6%
Operating result€111k-€169k▲ 51.9%€198k▲ 17.2%€188k▼ 4.9%€189k▲ 0.5%
Net result€59k-€96k▲ 62.1%€131k▲ 36.0%€127k▼ 2.4%€118k▼ 7.5%
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 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.73M
Fixed assets
€1.40M▼ 1.3%
Current assets
€330k▲ 28.5%
Equity and liabilities €1.73M
Equity
€1.22M▲ 6.6%
Provisions
€52k▼ 1.8%
Debt
€462k▼ 4.1%
The debt ratio falls from 28.7% to 26.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€260k▲
2024 · €255k
Cash flow
€189k▼
2024 · €194k
Solvency
70.3%▲
2024 · 68.1%
Current ratio
1.91▲
2024 · 1.55
Quick ratio
1.91▲
2024 · 1.55
Debt / equity
0.38▼
2024 · 0.42
ROE
9.7%▼
2024 · 11.1%
ROA
6.8%▼
2024 · 7.6%
Interest coverage
16.05▲
2024 · 14.57
Debt
€462k▼
2024 · €482k
Debt ≤ 1 year
€173k▲
2024 · €165k
Debt > 1 year
€286k▼
2024 · €309k
Income taxes
€59k▲
2024 · €52k
Staff costs
€77k▲
2024 · €72k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.68M€1.73M▲
Fixed assets21/28€1.42M€1.40M▼
Tangible fixed assets22/27€1.42M€1.40M▼
Land and buildings22€1.38M€1.33M▼
Plant, machinery and equipment23€44k€36k▼
Furniture and vehicles24€1k€34k▲
Financial fixed assets28€1k€1k=
Current assets29/58€256k€330k▲
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€6k€6k▲
Other amounts receivable41€4k€615▼
Current investments50/53€150k€250k▲
Cash at bank and in hand54/58€86k€72k▼
Deferred charges and accrued income490/1€10k€377▼
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.73M▲
Equity10/15€1.14M€1.22M▲
Contributions10/11€253k€253k=
Reserves13€553k€628k▲
Tax-exempt reserves132€44k€41k▼
Distributable reserves133€509k€587k▲
Profit (loss) carried forward14€338k€338k=
Provisions and deferred taxes16€53k€52k▼
Provisions for liabilities and charges160/5€50k€50k=
Pensions and similar obligations160€50k€50k=
Deferred taxes168€4k€3k▼
Amounts payable17/49€482k€462k▼
Amounts payable after more than one year17€309k€286k▼
Financial debts170/4€309k€286k▼
Amounts payable within one year42/48€165k€173k▲
Current portion of amounts payable after more than one year42€43k€47k▲
Financial debts43€13k€103▼
Credit institutions430/8€13k€103▼
Trade debts44€11k€11k▲
Suppliers440/4€11k€11k▲
Advances received on contracts in progress46€7k€7k▲
Taxes, remuneration and social security45€60k€49k▼
Taxes450/3€49k€38k▼
Remuneration and social security454/9€11k€11k▼
Other amounts payable47/48€32k€59k▲
Accrued charges and deferred income492/3€8k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€72k€77k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€71k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-15k€0▲
Other operating charges640/8€64k€45k▼
Gross operating margin9900€376k€382k▲
Operating profit (loss)9901€188k€189k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€17k€16k▼
Recurring financial charges65€17k€16k▼
Profit (loss) for the period before taxes9903€175k€176k▲
Transfer from deferred taxes780€5k€965▼
Income taxes67/77€52k€59k▲
Profit (loss) for the period9904€127k€118k▼
Transfer from tax-exempt reserves789€14k€3k▼
Profit (loss) for the period to be appropriated9905€141k€121k▼
Appropriation of the result
Profit (loss) to be appropriated9906€338k€459k▲
Profit (loss) brought forward from the previous period14P€197k€338k▲
Transfer from equity791/2-€43k
Transfer to equity691/2-€121k
To other reserves6921-€121k
Profit to be distributed694/7-€43k
Return on contributions (dividend)694-€43k
The notes to these accounts (12 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €131k ▲36%
Operating result €198k, net result €131k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.22
Current ratio from 0.50 to 1.22; short-term debt falls from €178k to €161k.
31-12
Financial
Equity above €1MEq €1.02M ▲15%
5 profitable years in a row build equity to €1.02M.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €727k ▲53.9%
2 profitable years in a row build equity to €727k.
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-07
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.
Directors · office · real estate
Directors
5 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, Opwijk · 1 establishment unit since 1990
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.
Stwg. op Vilvoorde 161745 Opwijk1 establishment unit
BRICO Merchtem bvba
since 19902.046.829.959
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 222 EUR awarded · 222 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 222 EUR | 222 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,721 companies in sector 47521 we hold annual accounts for 1,289. 916 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1989
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477495161