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DM&G

Active
Private limited companyfounded 20223 yrs activeDiedonken 8, 2820 Bonheiden, BelgiumKBO/BCE: BE 0792.156.141
Summary

DM&G has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,755 and a net result of €2,401. Equity is growing by ~31.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 2610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability81▲+4
Solvency39▲+4
Growth68▲+16
Track record94
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.89 against 0.68 in 2024; short-term debt: 24.4% and cash: 8.2% of total assets), and 86.1% of the assets are financed with debt.
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Signals

Three 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 09-06-2026, 52 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
52 d early
2024
35 d early
2023
28 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 38 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 26 June (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 6 October 2022, DM&G was incorporated as a Private limited company.1 Total assets went from EUR 37,709 in 2023 to EUR 98,887 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
€120,618▲ 22.0%
2024 · €98,875
EBIT margin
6.4%▼ 2.1pp
2024 · 8.5%
Net result
€2,401▼ 48.8%
2024 · €4,689
Working capital
-€2,735▲ 67.0%
2024 · -€8,289
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Turnover€98,875€120,618▲ 22.0%
Operating result€8,467-€8,412▼ 0.6%€7,754▼ 7.8%
Net result€5,665within the sector's middle half-€4,689within the sector's middle half▼ 17.2%€2,401within the sector's middle half▼ 48.8%
EBIT margin8.5%6.4%▼ 2.1pp
Equity€6,665within the sector's middle half-€11,354within the sector's middle half▲ 70.3%€13,755within the sector's middle half▲ 21.1%
Total assets€37,709below the sector's middle half-€110,729within the sector's middle half▲ 194%€98,887within the sector's middle half▼ 10.7%
Debt€31,044-€99,374▲ 220%€85,132▼ 14.3%
Working capital€9,069within the sector's middle half--€8,289within the sector's middle half-€2,735within the sector's middle half▲ 67.0%
Solvency17.7%within the sector's middle half-10.3%within the sector's middle half▼ 7.4pp13.9%within the sector's middle half▲ 3.7pp
Current ratio2.00within the sector's middle half-0.68below the sector's middle half▼ 1.320.89within the sector's middle half▲ 0.21
Return on assets (ROA)15.0%above the sector's middle half-4.2%within the sector's middle half▼ 10.8pp2.4%within the sector's middle half▼ 1.8pp
above within below the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€2,500€5,000€7,500Operating result 2023: €8,467€8,467Net result 2023: €5,665€5,665Operating result 2024: €8,412€8,412Net result 2024: €4,689€4,689Operating result 2025: €7,754€7,754Net result 2025: €2,401€2,401202320242025€0€2,500€5,000€7,500Operating result 2023: €8,467€8,470Net result 2023: €5,665€5,670Operating result 2024: €8,412€8,410Net result 2024: €4,689€4,690Operating result 2025: €7,754€7,750Net result 2025: €2,401€2,400202320242025
The operating result has fallen two years in a row; 2025 is 8% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98,887
Fixed assets €77,526 ▼ 16.6%
Current assets €21,361 ▲ 20.5%
Equity and liabilities €98,887
Equity €13,755 ▲ 21.1%
Debt €85,132 ▼ 14.3%
Debt's share of the balance-sheet total falls from 89.7% to 86.1%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€24,619▲
2024 · €15,383
Cash flow
€19,265▲
2024 · €11,660
Quick ratio
0.72▲
2024 · 0.57
Debt to equity
6.19▼
2024 · 8.75
ROE
17.5%▼
2024 · 41.3%
Interest coverage
7.09▼
2024 · 7.17
Debt ≤ 1 year
€24,096▼
2024 · €26,014
Debt > 1 year
€61,036▼
2024 · €73,023
Income taxes
€2,270▲
2024 · €1,682
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,542 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet
3.5% went bankrupt
1.2% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,542 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet Code20242025
Assets
Total assets20/58€110,729€98,887▼
Fixed assets21/28€93,004€77,526▼
Tangible fixed assets22/27€93,004€77,526▼
Land and buildings22€37,829€35,010▼
Plant, machinery and equipment23€566€361▼
Furniture and vehicles24€6,027€3,824▼
Leasing and similar rights25€42,089€33,503▼
Other tangible fixed assets26€6,492€4,829▼
Current assets29/58€17,725€21,361▲
Stocks and contracts in progress3€2,970€4,033▲
Stocks30/36€2,970€4,033▲
Amounts receivable within one year40/41€8,064€8,471▲
Trade receivables40€7,456€8,305▲
Other amounts receivable41€608€166▼
Cash at bank and in hand54/58€6,415€8,097▲
Deferred charges and accrued income490/1€276€761▲
Equity and liabilities
Total equity and liabilities10/49€110,729€98,887▼
Equity10/15€11,354€13,755▲
Contributions10/11€1,000€1,000=
Reserves13€10,354€12,755▲
Distributable reserves133€10,354€12,755▲
Amounts payable17/49€99,374€85,132▼
Amounts payable after more than one year17€73,023€61,036▼
Financial debts170/4€73,023€61,036▼
Amounts payable within one year42/48€26,014€24,096▼
Current portion of amounts payable after more than one year42€10,636€11,987▲
Trade debts44€2,186€1,817▼
Suppliers440/4€2,186€1,817▼
Taxes, remuneration and social security45€1,062€1,122▲
Taxes450/3€1,062€1,122▲
Other amounts payable47/48€12,129€9,170▼
Accrued charges and deferred income492/3€337-
Income statement Code20242025
Turnover70€98,875€120,618▲
Goods, raw materials, services and sundry goods60/61€83,349€96,116▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,971€16,865▲
Other operating charges640/8€372€372▲
Gross operating margin9900€15,755€24,991▲
Operating profit (loss)9901€8,412€7,754▼
Financial income75/76B€103€389▲
Recurring financial income75€103€389▲
Financial charges65/66B€2,145€3,473▲
Recurring financial charges65€2,145€3,473▲
Profit (loss) for the period before taxes9903€6,370€4,671▼
Income taxes67/77€1,682€2,270▲
Profit (loss) for the period9904€4,689€2,401▼
Profit (loss) for the period to be appropriated9905€4,689€2,401▼
Appropriation of the result
Profit (loss) to be appropriated9906€4,689€2,401▼
Transfer to equity691/2€4,689€2,401▼
To other reserves6921€4,689€2,401▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Turnover70-€98,875€120,618▲ 22.0%
Goods, raw materials, services and sundry goods60/61-€83,349€96,116▲ 15.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€636€6,971€16,865▲ 142%
Other operating charges640/8€829€372€372▲ 0.1%
Gross operating margin9900€9,932€15,755€24,991▲ 58.6%
Operating profit (loss)9901€8,467€8,412€7,754▼ 7.8%
Financial income75/76B€104€103€389▲ 277%
Recurring financial income75€104€103€389▲ 277%
Financial charges65/66B€69€2,145€3,473▲ 61.9%
Recurring financial charges65€69€2,145€3,473▲ 61.9%
Profit (loss) for the period before taxes9903€8,502€6,370€4,671▼ 26.7%
Income taxes67/77€2,836€1,682€2,270▲ 35.0%
Profit (loss) for the period9904€5,665€4,689€2,401▼ 48.8%
Profit (loss) for the period to be appropriated9905€5,665€4,689€2,401▼ 48.8%
Line202320242025Change
Assets
Total assets20/58€37,709€110,729€98,887▼ 10.7%
Fixed assets21/28€19,596€93,004€77,526▼ 16.6%
Tangible fixed assets22/27€19,596€93,004€77,526▼ 16.6%
Land and buildings22€10,670€37,829€35,010▼ 7.5%
Plant, machinery and equipment23€771€566€361▼ 36.2%
Furniture and vehicles24-€6,027€3,824▼ 36.6%
Leasing and similar rights25-€42,089€33,503▼ 20.4%
Other tangible fixed assets26€8,156€6,492€4,829▼ 25.6%
Current assets29/58€18,113€17,725€21,361▲ 20.5%
Stocks and contracts in progress3€1,343€2,970€4,033▲ 35.8%
Stocks30/36€1,343€2,970€4,033▲ 35.8%
Amounts receivable within one year40/41€8,154€8,064€8,471▲ 5.1%
Trade receivables40€7,610€7,456€8,305▲ 11.4%
Other amounts receivable41€544€608€166▼ 72.6%
Cash at bank and in hand54/58€8,616€6,415€8,097▲ 26.2%
Deferred charges and accrued income490/1-€276€761▲ 176%
Equity and liabilities
Total equity and liabilities10/49€37,709€110,729€98,887▼ 10.7%
Equity10/15€6,665€11,354€13,755▲ 21.1%
Contributions10/11€1,000€1,000€1,000=
Reserves13€5,665€10,354€12,755▲ 23.2%
Distributable reserves133€5,665€10,354€12,755▲ 23.2%
Amounts payable17/49€31,044€99,374€85,132▼ 14.3%
Amounts payable after more than one year17€22,000€73,023€61,036▼ 16.4%
Financial debts170/4€22,000€73,023€61,036▼ 16.4%
Amounts payable within one year42/48€9,044€26,014€24,096▼ 7.4%
Current portion of amounts payable after more than one year42-€10,636€11,987▲ 12.7%
Trade debts44€2,074€2,186€1,817▼ 16.9%
Suppliers440/4€2,074€2,186€1,817▼ 16.9%
Taxes, remuneration and social security45€2,668€1,062€1,122▲ 5.7%
Taxes450/3€2,668€1,062€1,122▲ 5.7%
Other amounts payable47/48€4,301€12,129€9,170▼ 24.4%
Accrued charges and deferred income492/3-€337--
Line202320242025Change
Profit (loss) for the period9904€5,665€4,689€2,401▼ 48.8%
+ Depreciation and write-downs630€636€6,971€16,865▲ 142%
Operating cash flow (approximation)€6,302€11,660€19,265▲ 65.2%
Investment in fixed assets (approximation)--€80,378-€1,387▲ 98.3%
Change in cash--€2,201€1,681▲ 176%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
09-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Weakest financial yearnet €2,401 ▼48.8%
Net result drops to €2,401, the lowest in the series.
26-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Bonheiden · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
518 m²
Building footprint
89 m²
Volume, LiDAR
572 m³
Parcel 12005A0135/00B004, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Diedonken 8, 2820 Bonheiden
Retail trade
since 20222.337.123.938
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12005A0135/00B004 Flanders 518 m² 1 · 88 m² 9.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 2,545 companies in sector 95290 we hold annual accounts for 419. 258 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded06-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
95290Repair and maintenance of other personal and household goods
47632Retail sale of bicycles
47789Other retail sale of new goods
82100Office administrative and support services
82990Other business support services
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0792156141
Also 9925:BE0792156141
Registered 24-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.