Summary
DMDN 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 €267,998 and a net result of €19,024. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 39% of 1502 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 8 filingsDeviation from the deadline
2025
14 d late
2024
56 d late
2023
29 d late
2022
24 d late
2021
89 d late
2020
26 d late
2019
52 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 41 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€267,998▲ 7.6%
2024 · €248,974
Net result
€19,024▼ 17.1%
2024 · €22,947
Total assets
€917,710▼ 12.2%
2024 · €1.0m
Solvency
29.2%▲ 5.4pp
2024 · 23.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€41,311▼ 12.0%€55,005▲ 33.1%€113,492▲ 106%€50,940▼ 55.1%€44,210▼ 13.2%
Net result€12,376within the sector's middle half▼ 32.3%€24,444within the sector's middle half▲ 97.5%€72,557within the sector's middle half▲ 197%€22,947within the sector's middle half▼ 68.4%€19,024within the sector's middle half▼ 17.1%
Equity€129,025within the sector's middle half▲ 23.8%€153,469within the sector's middle half▲ 18.9%€226,026within the sector's middle half▲ 47.3%€248,974within the sector's middle half▲ 10.2%€267,998within the sector's middle half▲ 7.6%
Total assets€1.3mwithin the sector's middle half▼ 6.9%€1.2mwithin the sector's middle half▼ 9.9%€1.1mwithin the sector's middle half▼ 9.9%€1.0mwithin the sector's middle half▼ 0.5%€917,710within the sector's middle half▼ 12.2%
Debt€1.2m▼ 9.4%€1.0m▼ 13.1%€824,881▼ 18.5%€796,778▼ 3.4%€649,712▼ 18.5%
Working capital-€102,755below the sector's middle half▼ 25.7%-€114,017below the sector's middle half▼ 11.0%-€123,954below the sector's middle half▼ 8.7%-€150,727below the sector's middle half▼ 21.6%-€118,501below the sector's middle half▲ 21.4%
Solvency10.0%below the sector's middle half▲ 2.5pp13.2%below the sector's middle half▲ 3.2pp21.5%within the sector's middle half▲ 8.3pp23.8%within the sector's middle half▲ 2.3pp29.2%within the sector's middle half▲ 5.4pp
Current ratio0.43below the sector's middle half▼ 0.110.34below the sector's middle half▼ 0.090.28below the sector's middle half▼ 0.050.21below the sector's middle half▼ 0.070.29below the sector's middle half▲ 0.08
Return on assets (ROA)1.0%within the sector's middle half▼ 0.4pp2.1%within the sector's middle half▲ 1.1pp6.9%within the sector's middle half▲ 4.8pp2.2%within the sector's middle half▼ 4.7pp2.1%below the sector's middle half▼ 0.1pp
Staff (FTE)3within the sector's middle half=2.6within the sector's middle half▼ 13.3%1below the sector's middle half▼ 61.5%1.6below the sector's middle half▲ 60.0%1.8within the sector's middle half▲ 12.5%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €917,710
Fixed assets
€869,350 ▼ 13.5%
Current assets
€48,360 ▲ 17.9%
Equity and liabilities €917,710
Equity
€267,998 ▲ 7.6%
Debt
€649,712 ▼ 18.5%
Debt's share of the balance-sheet total falls from 76.2% to 70.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.1%▼
2024 · 9.2%
Debt ≤ 1 year
€166,861▼
2024 · €191,740
Debt > 1 year
€482,851▼
2024 · €605,038
Income taxes
€9,500▼
2024 · €10,311
Staff costs
€113,052▲
2024 · €98,355
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €151,625 | €121,637 | €53,512 | €98,355 | €113,052 | ▲ 14.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €112,492 | €110,820 | €111,983 | €128,328 | €135,388 | ▲ 5.5% |
| Other operating charges640/8 | €4,301 | €8,447 | €5,593 | €13,412 | €8,928 | ▼ 33.4% |
| Gross operating margin9900 | €309,729 | €295,908 | €284,581 | €291,036 | €301,578 | ▲ 3.6% |
| Operating profit (loss)9901 | €41,311 | €55,005 | €113,492 | €50,940 | €44,210 | ▼ 13.2% |
| Financial income75/76B | €42 | €48 | €2 | €5 | €111 | ▲ 2,121% |
| Recurring financial income75 | €42 | €48 | €2 | €5 | €111 | ▲ 2,121% |
| Financial charges65/66B | €19,988 | €17,613 | €15,236 | €17,687 | €15,797 | ▼ 10.7% |
| Recurring financial charges65 | €19,988 | €17,613 | €15,236 | €17,687 | €15,797 | ▼ 10.7% |
| Profit (loss) for the period before taxes9903 | €21,364 | €37,439 | €98,258 | €33,258 | €28,524 | ▼ 14.2% |
| Income taxes67/77 | €8,988 | €12,995 | €25,701 | €10,311 | €9,500 | ▼ 7.9% |
| Profit (loss) for the period9904 | €12,376 | €24,444 | €72,557 | €22,947 | €19,024 | ▼ 17.1% |
| Profit (loss) for the period to be appropriated9905 | €12,376 | €24,444 | €72,557 | €22,947 | €19,024 | ▼ 17.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.2m | €1.1m | €1.0m | €917,710 | ▼ 12.2% |
| Fixed assets21/28 | €1.2m | €1.1m | €1.0m | €1.0m | €869,350 | ▼ 13.5% |
| Intangible fixed assets21 | €598,098 | €504,845 | €411,592 | €318,338 | €225,085 | ▼ 29.3% |
| Tangible fixed assets22/27 | €319,502 | €302,605 | €289,794 | €386,240 | €344,105 | ▼ 10.9% |
| Land and buildings22 | €283,895 | €272,799 | €263,608 | €254,604 | €244,188 | ▼ 4.1% |
| Plant, machinery and equipment23 | - | - | - | €1,656 | €1,274 | ▼ 23.1% |
| Furniture and vehicles24 | €7,146 | €5,250 | €5,535 | €51,981 | €38,792 | ▼ 25.4% |
| Leasing and similar rights25 | €28,461 | €24,556 | €20,650 | €78,000 | €59,851 | ▼ 23.3% |
| Financial fixed assets28 | €300,160 | €300,160 | €300,160 | €300,160 | €300,160 | = |
| Current assets29/58 | €76,607 | €58,241 | €49,361 | €41,013 | €48,360 | ▲ 17.9% |
| Amounts receivable within one year40/41 | €40,347 | €39,447 | €32,910 | €31,137 | €38,084 | ▲ 22.3% |
| Trade receivables40 | €39,050 | €34,656 | €32,613 | €30,840 | €37,287 | ▲ 20.9% |
| Other amounts receivable41 | €1,297 | €4,791 | €297 | €297 | €797 | ▲ 168% |
| Cash at bank and in hand54/58 | €31,123 | €13,255 | €14,128 | €8,482 | - | - |
| Deferred charges and accrued income490/1 | €5,137 | €5,539 | €2,323 | €1,394 | €10,275 | ▲ 637% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.2m | €1.1m | €1.0m | €917,710 | ▼ 12.2% |
| Equity10/15 | €129,025 | €153,469 | €226,026 | €248,974 | €267,998 | ▲ 7.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €108,565 | €133,009 | €205,566 | €228,514 | €247,538 | ▲ 8.3% |
| Amounts payable17/49 | €1.2m | €1.0m | €824,881 | €796,778 | €649,712 | ▼ 18.5% |
| Amounts payable after more than one year17 | €985,980 | €840,123 | €651,565 | €605,038 | €482,851 | ▼ 20.2% |
| Financial debts170/4 | €848,557 | €711,211 | €577,878 | €540,536 | €423,589 | ▼ 21.6% |
| Other amounts payable178/9 | €137,422 | €128,912 | €73,687 | €64,502 | €59,263 | ▼ 8.1% |
| Amounts payable within one year42/48 | €179,362 | €172,258 | €173,315 | €191,740 | €166,861 | ▼ 13.0% |
| Current portion of amounts payable after more than one year42 | €137,180 | €137,346 | €133,333 | €142,242 | €116,997 | ▼ 17.7% |
| Financial debts43 | - | €3,333 | €3,018 | €3,197 | €15,802 | ▲ 394% |
| Other loans439 | - | €3,333 | €3,018 | €3,197 | €15,802 | ▲ 394% |
| Trade debts44 | €6,122 | €8,550 | €6,008 | €5,319 | €18,374 | ▲ 245% |
| Suppliers440/4 | €6,122 | €8,550 | €6,008 | €5,319 | €18,374 | ▲ 245% |
| Taxes, remuneration and social security45 | €35,672 | €23,029 | €30,957 | €40,982 | €15,687 | ▼ 61.7% |
| Taxes450/3 | €15,073 | €7,789 | €20,942 | €18,893 | €309 | ▼ 98.4% |
| Remuneration and social security454/9 | €20,599 | €15,240 | €10,015 | €22,089 | €15,378 | ▼ 30.4% |
| Other amounts payable47/48 | €388 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,376 | €24,444 | €72,557 | €22,947 | €19,024 | ▼ 17.1% |
| + Depreciation and write-downs630 | €112,492 | €110,820 | €111,983 | €128,328 | €135,388 | ▲ 5.5% |
| Operating cash flow (approximation) | €124,868 | €135,264 | €184,540 | €151,275 | €154,412 | ▲ 2.1% |
| Investment in fixed assets (approximation) | - | -€669 | -€5,919 | -€131,521 | €0 | ▲ 100% |
| Change in cash | - | -€17,867 | €873 | -€5,646 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
04-08
State Gazette act
Capital & shares · Resignations & appointments · Restructuring · MiscellaneousReal estate · Merger · Power of attorney19 facts ▸
State Gazette act
Capital & shares · Resignations & appointments · Restructuring · Miscellaneous
Real estate · Merger · Power of attorney19 facts ▸
- Real estate, Jodoigne LES HOUILLIERES, 1/3 indivis pleine propriété chacun
- Other statement, situation hypothécaire, on omet
- Other statement, approbation premiers comptes annuels absorbante établis après fusion vaudra décharge administrateur société absorbée, sixième décision décharge
- Merger, décisions concordantes deux sociétés, 01-01-2026
- Power of attorney, DENAYER Dimitri
- Other statement, articles 11 et 18 paragraphe 3 Code TVA, déclarations fiscales dispense
- Other statement, droit écriture clôture, levée 12h30 ordre jour épuisé
- General meeting, 01-07-2026
- Shareholding, 185
- Shareholding, 1
- Other statement, copie demeurera ci-annexée, représentation à l'assemblée générale
- Shareholding, actionnaire unique
- +7 further facts in this act
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 56 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Equity above €200,000Eq €226,026 ▲47.3%
5 profitable years in a row build equity to €226,026.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
31-12
Financial
Equity above €150,000Eq €153,469 ▲18.9%
4 profitable years in a row build equity to €153,469.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 89 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Equity above €100,000Eq €104,249 ▲21.3%
2 profitable years in a row build equity to €104,249.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 52 days late
2019
31-12
Financial
Back to profitnet €105,132
Net result €105,132 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2018
Ground area
369 m²
Building footprint
126 m²
Volume, LiDAR
1,457 m³
2 parcels, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Banque et courtage en Assurances
since 20182.278.510.402
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25105B0228/00P000 | Wallonia | 217 m² | 1 · 60 m² | 12.0 m · 4 fl. |
| 92094B0114/00L005 | Wallonia | 153 m² | 1 · 66 m² | 14.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of DMDN and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionTook over:GONDEN SPRL
Capital and shareholders
Shareholders according to the acts
Stated in the act
act of 04-08-2026 ↗
- DENAYER Dimitri Michel Vivian Jean Yves 185 shares
- DECROËS Viviane Nelly 1 share
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 04-08-2026 Capital stated in the act · 186 shares
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,077 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
Founded01-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Contact
E-mail
dimitridenayer@outlook.comTubize
Phone
0483/361.301Tubize
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.