DL-3C
ActiveDL-3C has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €51k and a net result of €30k. Equity is growing by ~143.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 19345 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
86
/ 100
Excellent▲ +35 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency44▲+36
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 0.59 in 2023), and 74.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25.4%
Return on assets
14.9%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
68 d late
2023
92 d late
2022
88 d late
2021
110 d late
2020
137 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€51k▲ 141%
2023 · €21k
2020: €1k
2021: €6k
2022: €6k
2023: €21k
2020 → 2024
Total assets
€203k▼ 16.1%
2023 · €241k
2020: €45k
2021: €50k
2022: €164k
2023: €241k
2020 → 2024
Net result
€30k▲ 98.6%
2023 · €15k
2020: €425
2021: €4k
2022: €291
2023: €15k
2020 → 2024
Working capital
€6k
2023 · €-34k
2020: €-14k
2021: €-15k
2022: €-22k
2023: €-34k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1k-€6k▲ 313%€6k▲ 4.9%€21k▲ 245%€51k▲ 141%
Operating result€3k-€9k▲ 220%€5k▼ 44.2%€25k▲ 403%€40k▲ 64.4%
Net result€425-€4k▲ 951%€291▼ 93.5%€15k▲ 5,105%€30k▲ 98.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 64% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €203k
Fixed assets
€171k▼ 11.4%
Current assets
€31k▼ 34.6%
Equity and liabilities €203k
Equity
€51k▲ 141%
Debt
€151k▼ 31.3%
The debt ratio falls from 91.2% to 74.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€52k▲
2023 · €34k
Cash flow
€42k▲
2023 · €25k
Solvency
25.4%▲
2023 · 8.8%
Current ratio
1.26▲
2023 · 0.59
Quick ratio
1.26▲
2023 · 0.59
Debt / equity
2.94▼
2023 · 10.31
ROE
58.5%▼
2023 · 71.0%
ROA
14.9%▲
2023 · 6.3%
Interest coverage
13.80▲
2023 · 10.82
Debt
€151k▼
2023 · €220k
Debt ≤ 1 year
€25k▼
2023 · €82k
Debt > 1 year
€126k▼
2023 · €137k
Income taxes
€7k▲
2023 · €6k
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€241k€203k▼
Fixed assets21/28€193k€171k▼
Intangible fixed assets21€247€47▼
Tangible fixed assets22/27€193k€171k▼
Land and buildings22€125k€125k=
Plant, machinery and equipment23-€1k
Furniture and vehicles24€68k€45k▼
Current assets29/58€48k€31k▼
Amounts receivable within one year40/41€34k€23k▼
Trade receivables40-€13k
Other amounts receivable41€34k€10k▼
Cash at bank and in hand54/58€13k€7k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€241k€203k▼
Equity10/15€21k€51k▲
Contributions10/11€1k€1k=
Reserves13€20k€50k▲
Distributable reserves133€20k€50k▲
Profit (loss) carried forward14€425-
Amounts payable17/49€220k€151k▼
Amounts payable after more than one year17€137k€126k▼
Financial debts170/4€137k€126k▼
Amounts payable within one year42/48€82k€25k▼
Current portion of amounts payable after more than one year42€11k€11k▼
Trade debts44€67k€5k▼
Suppliers440/4€67k€5k▼
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€3k€9k▲
Other amounts payable47/48€434-
Accrued charges and deferred income492/3€825-
Income statement
Code20232024
Non-recurring operating income76A-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€1k€984▼
Non-recurring operating charges66A-€96
Gross operating margin9900€35k€54k▲
Operating profit (loss)9901€25k€40k▲
Financial income75/76B€3€194▲
Recurring financial income75€3€194▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€21k€37k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€15k€30k▲
Profit (loss) for the period to be appropriated9905€15k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€31k▲
Profit (loss) brought forward from the previous period14P€425€425=
Transfer to equity691/2€15k€31k▲
To other reserves6921€15k€31k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial
Highest result since 2020net €30k ▲98.6%
Operating result €40k, net result €30k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.26
Current ratio from 0.59 to 1.26; short-term debt falls from €82k to €25k.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Weakest financial yearnet €291 ▼93.5%
Net result drops to €291, the lowest in the series; recovery starts the following year.
18-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 110 days late
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 137 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zwevegem · 1 establishment unit since 2020
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.
Dalestraat(S) 778554 ZwevegemGround area
863 m²
Building footprint
104 m²
Volume, LiDAR
646 m³
Parcel 34034C0731/00E002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dl-3c
since 20202.301.480.002
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34034C0731/00E002 | Flanders | 862 m² | 1 · 103 m² | 10.2 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.
Similar companies · same sector, comparable size
CSM Development
BE 0692.645.524
Brussel · Eq €51k
Plateau d’Erpent
BE 0696.967.368
Namur · Eq €51k
ProInvestment
BE 0691.689.776
Liège · Eq €51k
WOOD AND STONE 4EVER
BE 0650.986.004
Zelzate · Eq €51k
VARIMMO
BE 0438.702.789
Zandhoven · Eq €51k
Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 4,983 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
71111Activities of building architects
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.