DMVD 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 €50k and a net result of €113k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 10% of 1469 sector peers (fiscal year 2025). The company has been active since 2021 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 advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 1469 sector peers (2025).
NBB · sector comparisonPosition among 1469 sector peers
Solvency
better than 10%
← weakest
strongest →
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 16-04-2026, 106 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
106 d early
2024
164 d early
2023
50 d early
2022
48 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€50k=
2024 · €50k
2022: €50k
2023: €50k
2024: €50k
2022 → 2025
Net result
€113k▼ 34.4%
2024 · €172k
2022: €129k
2023: €151k
2024: €172k
2022 → 2025
Total assets
€1.97M▲ 2.1%
2024 · €1.93M
2022: €2.49M
2023: €2.17M
2024: €1.93M
2022 → 2025
Solvency
2.5%▼ 0.1pp
2024 · 2.6%
2022: 2.0%
2023: 2.3%
2024: 2.6%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€50k-€50k=€50k=€50k=
Operating result€229k-€242k▲ 5.6%€261k▲ 8.0%€193k▼ 25.8%
Net result€129k-€151k▲ 16.5%€172k▲ 14.3%€113k▼ 34.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.59M▲ 5.6%
Current assets
€375k▼ 10.8%
Equity and liabilities €1.97M
Equity
€50k=
Debt
€1.92M▲ 2.1%
The debt ratio rises from 97.4% to 97.5%. Debt is higher.
Key figures and ratios
Solvency
2.5%▼
2024 · 2.6%
ROE
225.8%▼
2024 · 344.1%
ROA
5.7%▼
2024 · 8.9%
Debt
€1.92M▲
2024 · €1.88M
Debt ≤ 1 year
€819k▲
2024 · €803k
Debt > 1 year
€1.10M▲
2024 · €1.08M
Income taxes
€43k▼
2024 · €62k
Staff costs
€482k▲
2024 · €362k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.93M€1.97M▲
Fixed assets21/28€1.51M€1.59M▲
Intangible fixed assets21€1.02M€722k▼
Tangible fixed assets22/27€485k€871k▲
Land and buildings22€427k€824k▲
Plant, machinery and equipment23€23k€20k▼
Furniture and vehicles24€35k€27k▼
Current assets29/58€420k€375k▼
Amounts receivable within one year40/41€64k€15k▼
Trade receivables40€49k-
Other amounts receivable41€15k€15k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€37k€154k▲
Deferred charges and accrued income490/1€119k€206k▲
Equity and liabilities
Total equity and liabilities10/49€1.93M€1.97M▲
Equity10/15€50k€50k=
Contributions10/11€50k€50k=
Amounts payable17/49€1.88M€1.92M▲
Amounts payable after more than one year17€1.08M€1.10M▲
Financial debts170/4€875k€899k▲
Other amounts payable178/9€200k€200k=
Amounts payable within one year42/48€803k€819k▲
Current portion of amounts payable after more than one year42€334k€363k▲
Trade debts44€56k€71k▲
Suppliers440/4€56k€71k▲
Taxes, remuneration and social security45€42k€57k▲
Taxes450/3-€2k
Remuneration and social security454/9€42k€54k▲
Other amounts payable47/48€371k€328k▼
Income statement
Code20242025
Remuneration, social security and pensions62€362k€482k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€336k€421k▲
Other operating charges640/8€9k€13k▲
Gross operating margin9900€968k€1.11M▲
Operating profit (loss)9901€261k€193k▼
Financial income75/76B€6k€1k▼
Recurring financial income75€6k€1k▼
Financial charges65/66B€32k€39k▲
Recurring financial charges65€32k€39k▲
Profit (loss) for the period before taxes9903€234k€155k▼
Income taxes67/77€62k€43k▼
Profit (loss) for the period9904€172k€113k▼
Profit (loss) for the period to be appropriated9905€172k€113k▼
Appropriation of the result
Profit (loss) to be appropriated9906€172k€113k▼
Profit to be distributed694/7€172k€113k▼
Return on contributions (dividend)694€172k€113k▼
Social balance
Average headcount (FTE)90875.77.2▲
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €113k ▼34.4%
Net result drops to €113k, the lowest in the series.
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €172k ▲14.3%
Operating result €261k, net result €172k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
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, Kortrijk · 2 establishment units since 2021
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.
Dam(Kor) 778500 KortrijkGround area
1,696 m²
Building footprint
822 m²
Volume, LiDAR
13,513 m³
2 parcels, Flanders · tallest building 24.4 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
DMVD
since 20212.314.075.253
DMVD
since 20212.317.743.041
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352F0721/00G003 | Flanders | 1,543 m² | 1 · 765 m² | 24.4 m · 6 fl. |
| 33029C0383/00G000 | Flanders | 153 m² | 1 · 57 m² | 11.5 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 56 EUR awarded · 56 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 56 EUR | 56 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 873 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2021
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
64190Financial service activities, except insurance and pension funding
66210Risk and damage evaluation
66220Insurance agents and brokers
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.