DMV PATRIMOINE
ActiveSummary
DMV PATRIMOINE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €28k and a net result of €23k. Its solvency ranks better than 13% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-23
Solvency33▼-41
Growth78
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 6.77 against 1.35 in 2023; short-term debt: 13.9% and cash: 0% of total assets), but 91.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
8.4%
Return on assets
7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 37956 sector peers (2024).
NBB · sector comparisonPosition among 37956 sector peers
Solvency
better than 13%
← 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 18-08-2025, 18 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
18 d late
2023
89 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€28k▲ 507%
2023 · €5k
2023: €5k
2023 → 2024
Total assets
€334k▲ 3,478%
2023 · €9k
2023: €9k
2023 → 2024
Net result
€23k▲ 1,355%
2023 · €2k
2023: €2k
2023 → 2024
Working capital
€267k▲ 16,254%
2023 · €2k
2023: €2k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€5k-€28k▲ 507%
Operating result€3k-€42k▲ 1,492%
Net result€2k-€23k▲ 1,355%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 1,492% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €334k
Fixed assets
€20k ▲ 571%
Current assets
€314k ▲ 4,837%
Equity and liabilities €334k
Equity
€28k ▲ 507%
Debt
€306k ▲ 6,376%
Debt's share of the balance-sheet total rises from 50.6% to 91.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▲
2023 · €3k
Cash flow
€25k▲
2023 · €2k
Current ratio
6.77▲
2023 · 1.35
Quick ratio
0.85▼
2023 · 0.88
Debt to equity
10.93▲
2023 · 1.03
ROE
83.5%▲
2023 · 34.9%
ROA
7.0%▼
2023 · 17.2%
Interest coverage
3.66▲
2023 · -360.66
Debt ≤ 1 year
€46k▲
2023 · €5k
Debt > 1 year
€259k
Income taxes
€6k▲
2023 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€9k€334k▲
Fixed assets21/28€3k€20k▲
Tangible fixed assets22/27€3k€20k▲
Furniture and vehicles24€3k€20k▲
Current assets29/58€6k€314k▲
Stocks and contracts in progress3€2k€274k▲
Stocks30/36€2k€274k▲
Amounts receivable within one year40/41€369€39k▲
Trade receivables40-€39k
Other amounts receivable41€369€0▼
Cash at bank and in hand54/58€4k€115▼
Equity and liabilities
Total equity and liabilities10/49€9k€334k▲
Equity10/15€5k€28k▲
Contributions10/11€3k€3k=
Capital10€3k-
Issued capital100€3k-
Profit (loss) carried forward14€2k€25k▲
Amounts payable17/49€5k€306k▲
Amounts payable after more than one year17-€259k
Financial debts170/4-€259k
Amounts payable within one year42/48€5k€46k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€672€1k▲
Suppliers440/4€672€1k▲
Taxes, remuneration and social security45€4k€15k▲
Taxes450/3€4k€15k▲
Other amounts payable47/48-€25k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€174€2k▲
Other operating charges640/8-€907
Gross operating margin9900€3k€45k▲
Operating profit (loss)9901€3k€42k▲
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€-8€12k▲
Recurring financial charges65€-8€12k▲
Profit (loss) for the period before taxes9903€3k€30k▲
Income taxes67/77€1k€6k▲
Profit (loss) for the period9904€2k€23k▲
Profit (loss) for the period to be appropriated9905€2k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€25k▲
Profit (loss) brought forward from the previous period14P-€2k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Liquidity times 5current ratio 6.77
Current ratio from 1.35 to 6.77.
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 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, Ottignies-Louvain-la-Neuve
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.
Clos des Colombes 61342 Ottignies-Louvain-la-NeuveGround area
791 m²
Building footprint
101 m²
Volume, LiDAR
514 m³
Parcel 25056B0293/00R002, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056B0293/00R002 | Wallonia | 791 m² | 1 · 101 m² | 8.0 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.
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DECOCK STEVEN
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 33,869 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
Founded26-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.