Summary
DOVER 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 €743,493 and a net result of -€33,584. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 8091 sector peers (fiscal year 2025). The company has been active since 2000 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
27 d late
2023
29 d late
2022
10 d late
2021
1 d early
2020
71 d early
2019
4 d early
← 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 11 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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, micro schema
In the rankings
#6 oldest company in Zutendaal, Finance and insurance sector#10 company by equity in Zutendaal, Finance and insurance sector
Equity
€743,493▼ 4.3%
2024 · €777,078
Net result
-€33,584
2024 · €145,286
Total assets
€749,232▼ 3.8%
2024 · €778,775
Solvency
99.2%▼ 0.5pp
2024 · 99.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€95,182▼ 54.2%€112,425▲ 18.1%€106,404▼ 5.4%-€12,410-€54,264▼ 337%
Net result€65,589within the sector's middle half▼ 55.6%€74,471within the sector's middle half▲ 13.5%€74,738within the sector's middle half▲ 0.4%€145,286above the sector's middle half▲ 94.4%-€33,584below the sector's middle half
Equity€545,582within the sector's middle half▲ 13.5%€587,053within the sector's middle half▲ 7.6%€631,791within the sector's middle half▲ 7.6%€777,078above the sector's middle half▲ 23.0%€743,493above the sector's middle half▼ 4.3%
Total assets€726,818within the sector's middle half▲ 7.7%€617,458within the sector's middle half▼ 15.0%€645,684within the sector's middle half▲ 4.6%€778,775within the sector's middle half▲ 20.6%€749,232within the sector's middle half▼ 3.8%
Debt€181,236▼ 6.7%€30,405▼ 83.2%€13,893▼ 54.3%€1,697▼ 87.8%€5,739▲ 238%
Working capital-€74,121within the sector's middle half▲ 26.6%€86,232within the sector's middle half€142,881within the sector's middle half▲ 65.7%€637,149above the sector's middle half▲ 346%€593,801above the sector's middle half▼ 6.8%
Solvency75.1%within the sector's middle half▲ 3.8pp95.1%above the sector's middle half▲ 20.0pp97.8%above the sector's middle half▲ 2.8pp99.8%above the sector's middle half▲ 1.9pp99.2%above the sector's middle half▼ 0.5pp
Current ratio0.52within the sector's middle half▲ 0.184.63above the sector's middle half▲ 4.1111.28above the sector's middle half▲ 6.66
Return on assets (ROA)9.0%within the sector's middle half▼ 12.9pp12.1%above the sector's middle half▲ 3.0pp11.6%within the sector's middle half▼ 0.5pp18.7%within the sector's middle half▲ 7.1pp-4.5%below the sector's middle half▼ 23.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €54,264 in 2025 against €12,410 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €749,232
Fixed assets
€149,692 ▲ 7.0%
Current assets
€599,540 ▼ 6.2%
Equity and liabilities €749,232
Equity
€743,493 ▼ 4.3%
Debt
€5,739 ▲ 238%
Debt's share of the balance-sheet total rises from 0.2% to 0.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-4.5%▼
2024 · 18.7%
Debt ≤ 1 year
€5,739▲
2024 · €1,697
Income taxes
€170▼
2024 · €14,710
A ratio outside any meaningful range has been withheld (balance sheet total €749,232, equity €743,493).
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,282 | €9,474 | €3,473 | €5,407 | €4,428 | ▼ 18.1% |
| Other operating charges640/8 | €3,350 | €2,309 | €965 | €878 | €782 | ▼ 10.9% |
| Gross operating margin9900 | €114,814 | €124,208 | €110,842 | -€6,125 | -€49,054 | ▼ 701% |
| Operating profit (loss)9901 | €95,182 | €112,425 | €106,404 | -€12,410 | -€54,264 | ▼ 337% |
| Financial income75/76B | €10 | €1 | €0 | €180,835 | €22,849 | ▼ 87.4% |
| Recurring financial income75 | €10 | €1 | €0 | €3,356 | €22,849 | ▲ 581% |
| Non-recurring financial income76B | - | - | - | €177,480 | - | - |
| Financial charges65/66B | €1,624 | €3,428 | €636 | €8,429 | €1,999 | ▼ 76.3% |
| Recurring financial charges65 | €1,624 | €3,428 | €636 | €8,429 | €1,999 | ▼ 76.3% |
| Profit (loss) for the period before taxes9903 | €93,568 | €108,998 | €105,768 | €159,996 | -€33,414 | ▼ 121% |
| Income taxes67/77 | €27,979 | €34,527 | €31,030 | €14,710 | €170 | ▼ 98.8% |
| Profit (loss) for the period9904 | €65,589 | €74,471 | €74,738 | €145,286 | -€33,584 | ▼ 123% |
| Profit (loss) for the period to be appropriated9905 | €65,589 | €74,471 | €74,738 | €145,286 | -€33,584 | ▼ 123% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €726,818 | €617,458 | €645,684 | €778,775 | €749,232 | ▼ 3.8% |
| Fixed assets21/28 | €647,769 | €507,466 | €488,911 | €139,928 | €149,692 | ▲ 7.0% |
| Tangible fixed assets22/27 | €297,529 | €157,226 | €138,671 | €139,928 | €149,692 | ▲ 7.0% |
| Land and buildings22 | €259,830 | €129,000 | €129,000 | €129,000 | €129,000 | = |
| Plant, machinery and equipment23 | €7,879 | €5,606 | €3,332 | €1,831 | €2,988 | ▲ 63.2% |
| Furniture and vehicles24 | €29,820 | €22,620 | €6,338 | €9,098 | €6,182 | ▼ 32.1% |
| Other tangible fixed assets26 | - | - | - | - | €11,522 | - |
| Financial fixed assets28 | €350,240 | €350,240 | €350,240 | €0 | - | - |
| Current assets29/58 | €79,049 | €109,993 | €156,773 | €638,846 | €599,540 | ▼ 6.2% |
| Amounts receivable within one year40/41 | €78,175 | €82,876 | €78,910 | €47,527 | €5,624 | ▼ 88.2% |
| Trade receivables40 | - | €35,000 | €65,000 | €0 | - | - |
| Other amounts receivable41 | €78,175 | €47,876 | €13,910 | €47,527 | €5,624 | ▼ 88.2% |
| Current investments50/53 | €250 | €250 | €250 | €546,176 | €542,178 | ▼ 0.7% |
| Cash at bank and in hand54/58 | €624 | €25,512 | €77,613 | €45,143 | €50,936 | ▲ 12.8% |
| Deferred charges and accrued income490/1 | - | €1,355 | €0 | - | €803 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €726,818 | €617,458 | €645,684 | €778,775 | €749,232 | ▼ 3.8% |
| Equity10/15 | €545,582 | €587,053 | €631,791 | €777,078 | €743,493 | ▼ 4.3% |
| Contributions10/11 | €19,830 | €19,830 | €19,830 | €19,830 | €19,830 | = |
| Reserves13 | €525,752 | €567,223 | €611,961 | €757,248 | €723,663 | ▼ 4.4% |
| Tax-exempt reserves132 | €12,181 | €12,181 | €12,181 | €12,181 | €12,181 | = |
| Distributable reserves133 | €513,571 | €555,042 | €599,781 | €745,067 | €711,482 | ▼ 4.5% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | - | - |
| Amounts payable17/49 | €181,236 | €30,405 | €13,893 | €1,697 | €5,739 | ▲ 238% |
| Amounts payable after more than one year17 | €28,066 | €6,644 | €0 | - | - | - |
| Financial debts170/4 | €28,066 | €6,644 | €0 | - | - | - |
| Amounts payable within one year42/48 | €153,170 | €23,761 | €13,893 | €1,697 | €5,739 | ▲ 238% |
| Current portion of amounts payable after more than one year42 | €28,239 | €20,830 | €6,053 | €0 | - | - |
| Financial debts43 | €29,192 | - | - | - | - | - |
| Credit institutions430/8 | €29,192 | - | - | - | - | - |
| Trade debts44 | €956 | €2,931 | €1,602 | €678 | €287 | ▼ 57.6% |
| Suppliers440/4 | €956 | €2,931 | €1,602 | €678 | €287 | ▼ 57.6% |
| Taxes, remuneration and social security45 | €12,500 | - | €5,376 | €1,019 | €782 | ▼ 23.3% |
| Taxes450/3 | €12,500 | - | €5,376 | €1,019 | €782 | ▼ 23.3% |
| Other amounts payable47/48 | €82,283 | - | €862 | €0 | €4,669 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €65,589 | €74,471 | €74,738 | €145,286 | -€33,584 | ▼ 123% |
| + Depreciation and write-downs630 | €16,282 | €9,474 | €3,473 | €5,407 | €4,428 | ▼ 18.1% |
| Operating cash flow (approximation) | €81,871 | €83,944 | €78,211 | €150,694 | -€29,157 | ▼ 119% |
| Investment in fixed assets (approximation) | - | €130,830 | €15,082 | €343,575 | -€14,191 | ▼ 104% |
| Change in cash | - | €24,888 | €52,101 | -€32,471 | €5,793 | ▲ 118% |
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€33,584
Net result drops to -€33,584, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Liquidity times 33current ratio 376.45
Current ratio from 11.28 to 376.45; short-term debt falls from €13,893 to €1,697.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 11.28
Current ratio from 4.63 to 11.28; short-term debt falls from €23,761 to €13,893.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
31-12
Financial
Liquidity times 9current ratio 4.63
Current ratio from 0.52 to 4.63; short-term debt falls from €153,170 to €23,761.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500,000Eq €545,582 ▲13.5%
4 profitable years in a row build equity to €545,582.
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial
Highest result since 2018net €173,805 ▲232%
Net result €173,805, the highest in the series.
05-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Zutendaal · 1 establishment unit since 2000
Ground area
974 m²
Building footprint
159 m²
Volume, LiDAR
808 m³
Parcel 71067A0527/00Z002, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Malbroekstraat 21, 3690 Zutendaal
since 20002.115.818.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067A0527/00Z002 | Flanders | 974 m² | 1 · 159 m² | 6.6 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2023 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2023 annual accounts of DOVER 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400U1PRXK532TGZ18
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,255 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
Founded22-05-2000
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0471948253
Also
9925:BE0471948253
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.