DLJ.MAC
ActiveDLJ.MAC has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €-11k. Equity is shrinking by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 23% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability39▼-8
Solvency55▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.11 in 2023; short-term debt: 64.8% and cash: 1.7% of total assets), and 70.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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
29.8%
Return on assets
-6.6%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
20222324
2020 to 2024 · latest year €-11k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 20785 sector peers (2024).
NBB · sector comparisonPosition among 20785 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
204 d late
2022
101 d late
2020
150 d late
2017
31 d late
2016
153 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-11k▲ 5.9%
2023 · €-12k
2020: €-10k
2022: €-22k
2023: €-12k
2020 → 2024
Working capital
€-99k▼ 9.0%
2023 · €-91k
2020: €-51k
2022: €-84k
2023: €-91k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2020202220232024Trend
Equity€100k-€71k▼ 28.6%€60k▼ 16.1%€49k▼ 18.1%
Operating result€-4k-€-20k▼ 472%€-10k▲ 49.1%€-10k▲ 7.2%
Net result€-10k-€-22k▼ 109%€-12k▲ 47.0%€-11k▲ 5.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2024 against €10k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €164k
Fixed assets
€156k▼ 7.1%
Current assets
€7k▼ 30.8%
Equity and liabilities €165k
Equity
€49k▼ 18.1%
Debt
€116k▼ 3.1%
The debt ratio rises from 66.6% to 70.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2023 · €3k
Cash flow
€1k▼
2023 · €2k
Solvency
29.8%▼
2023 · 33.4%
Current ratio
0.07▼
2023 · 0.11
Quick ratio
0.07▼
2023 · 0.11
Debt / equity
2.36▲
2023 · 1.99
ROE
-22.1%▼
2023 · -19.2%
ROA
-6.6%▼
2023 · -6.4%
Interest coverage
3.43▼
2023 · 4.36
Debt
€116k▼
2023 · €119k
Debt ≤ 1 year
€107k▲
2023 · €102k
Debt > 1 year
€9k▼
2023 · €17k
Income taxes
€441▲
2023 · €410
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€179k€165k▼
Formation expenses20-€812
Fixed assets21/28€168k€156k▼
Tangible fixed assets22/27€168k€156k▼
Land and buildings22€166k€155k▼
Plant, machinery and equipment23€2k€871▼
Furniture and vehicles24€430€180▼
Current assets29/58€11k€7k▼
Amounts receivable within one year40/41€4k€635▼
Trade receivables40€654€635▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€179k€165k▼
Equity10/15€60k€49k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€52k€41k▼
Amounts payable17/49€119k€116k▼
Amounts payable after more than one year17€17k€9k▼
Financial debts170/4€17k€9k▼
Amounts payable within one year42/48€102k€107k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€419€2k▲
Suppliers440/4€419€2k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€89k€92k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€796€961▲
Gross operating margin9900€4k€3k▼
Operating profit (loss)9901€-10k€-10k▲
Financial charges65/66B€695€733▲
Recurring financial charges65€695€733▲
Profit (loss) for the period before taxes9903€-11k€-10k▲
Income taxes67/77€410€441▲
Profit (loss) for the period9904€-12k€-11k▲
Profit (loss) for the period to be appropriated9905€-12k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€41k▼
Profit (loss) brought forward from the previous period14P€63k€52k▼
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
20-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 204 days late
2023
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 101 days late
2022
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 150 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 153 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
2015
25-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 56 days late
2014
07-11
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 99 days late
2013
30-12
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 152 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ohey · 1 establishment unit since 2001
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.
Rue Sart Donneux 22/A5353 OheyGround area
2,688 m²
Building footprint
211 m²
Volume, LiDAR
881 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Yerpen 45, 4500 Huy
since 20012.098.433.266
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92055B0118/00C000 | Wallonia | 2,400 m² | 1 · 118 m² | - |
| 61322A0561/00X003 | Wallonia | 288 m² | 1 · 93 m² | 11.0 m · 3 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.
Similar companies · same sector, comparable size
Zinnings
BE 0698.661.603
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Empharis Solutions
BE 0746.379.762
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Charlier Information Technology Consulting
BE 0660.574.849
Elsene · Eq €49k
PARADIGG
BE 0804.065.563
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Fundex Foundations
BE 0766.953.561
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,818 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2001
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.