Summary
DL RECO 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 €185k and a net result of €184k. Its solvency ranks better than 67% of 8023 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 1 filingDeviation from the deadline
2025
47 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€185k
Net result
€184k
Total assets
€261k
Solvency
70.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €261k
Fixed assets
€14k
Current assets
€247k
Equity and liabilities €261k
Equity
€185k
Debt
€76k
Debt finances 29.1% of the balance-sheet total.
Key figures and ratios
ROE
99.5%
ROA
70.5%
Debt ≤ 1 year
€76k
Income taxes
€65k
Filed annual accounts As filed with the NBB · 2025 · 32 lines
Balance sheet
Code2025
Assets
Total assets20/58€261k
Fixed assets21/28€14k
Tangible fixed assets22/27€14k
Furniture and vehicles24€14k
Current assets29/58€247k
Amounts receivable within one year40/41€15k
Other amounts receivable41€15k
Cash at bank and in hand54/58€230k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€261k
Equity10/15€185k
Contributions10/11€1k
Profit (loss) carried forward14€184k
Amounts payable17/49€76k
Amounts payable within one year42/48€76k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€74k
Taxes450/3€74k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€5k
Gross operating margin9900€258k
Operating profit (loss)9901€252k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€249k
Income taxes67/77€65k
Profit (loss) for the period9904€184k
Profit (loss) for the period to be appropriated9905€184k
Appropriation of the result
Profit (loss) to be appropriated9906€184k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
NBB filing
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, Lommel · 1 establishment unit since 2024
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.
Sint-Franciscusstraat 113920 LommelGround area
1,290 m²
Building footprint
232 m²
Volume, LiDAR
1,226 m³
Parcel 72345B0855/00A059, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DL RECO
since 20242.354.642.534
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B0855/00A059 | Flanders | 1,290 m² | 1 · 232 m² | 7.7 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
PATRIMONIKA
BE 0699.534.997
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ORANGERIE INVEST
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MTJA
BE 0836.703.984
Brasschaat · Eq €185,335
H.33
BE 0722.957.133
Tessenderlo-Ham · Eq €185,337
Zorgservice
BE 0757.742.422
Hasselt · Eq €184,860
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,549 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
Founded10-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.