DR T&L
ActiveDR T&L has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-22
Solvency44▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.01; short-term debt: 80.8% of total assets), and 80.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2025Solvency, return and age of the figures
Solvency
19.2%
Return on assets
-2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 12642 sector peers (2025).
NBB · sector comparisonPosition among 12642 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
26 d late
2023
24 d late
2022
13 d late
2021
29 d late
2020
31 d late
2019
141 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 9.6%
2024 · €25k
2018: €96k
2019: €122k
2020: €42k
2021: €17k
2022: €16k
2023: €17k
2024: €25k
2018 → 2025
Total assets
€116k▲ 1.2%
2024 · €114k
2018: €359k
2019: €314k
2020: €202k
2021: €145k
2022: €112k
2023: €102k
2024: €114k
2018 → 2025
Net result
€-2k
2024 · €8k
2018: €22k
2019: €26k
2020: €21k
2021: €-25k
2022: €-2k
2023: €1k
2024: €8k
2018 → 2025
Working capital
€-92k▲ 1.5%
2022 · €-94k
2018: €32k
2019: €48k
2020: €-39k
2021: €-78k
2022: €-94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€16k▼ 10.5%€17k▲ 8.9%€25k▲ 45.8%€22k▼ 9.6%
Operating result€-6k-€2k€5k▲ 209%€9k▲ 87.5%€723▼ 92.2%
Net result€-25k-€-2k▲ 92.6%€1k€8k▲ 458%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€114k
Current assets
€1k
Equity and liabilities €116k
Equity
€22k▼ 9.6%
Debt
€94k▲ 4.2%
The debt ratio rises from 78.5% to 80.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
19.2%▼
2024 · 21.5%
Current ratio
0.01
Quick ratio
0.01
Debt / equity
4.20▲
2024 · 3.65
ROE
-10.6%▼
2024 · 31.4%
ROA
-2.0%▼
2024 · 6.8%
Debt
€94k▲
2024 · €90k
Debt ≤ 1 year
€94k▲
2024 · €90k
Income taxes
€2k▲
2024 · €964
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€114k€116k▲
Fixed assets21/28€114k€114k=
Financial fixed assets28€114k€114k=
Current assets29/58-€1k
Amounts receivable within one year40/41-€1k
Trade receivables40-€1k
Equity and liabilities
Total equity and liabilities10/49€114k€116k▲
Equity10/15€25k€22k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€4k€2k▼
Amounts payable17/49€90k€94k▲
Amounts payable within one year42/48€90k€94k▲
Financial debts43€6k€6k▼
Credit institutions430/8€6k€6k▼
Trade debts44-€282
Suppliers440/4-€282
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€81k€85k▲
Income statement
Code20242025
Other operating charges640/8€566€473▼
Gross operating margin9900€10k€1k▼
Operating profit (loss)9901€9k€723▼
Financial charges65/66B€539€711▲
Recurring financial charges65€539€711▲
Profit (loss) for the period before taxes9903€9k€12▼
Income taxes67/77€964€2k▲
Profit (loss) for the period9904€8k€-2k▼
Profit (loss) for the period to be appropriated9905€8k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€2k▼
Profit (loss) brought forward from the previous period14P€-4k€4k▲
The notes to these accounts (2 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-25k ▼218%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
12-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €26k ▲19%
Operating result €43k, net result €26k, both a record.
31-12
Financial
Equity above €100kEq €122k ▲27.3%
2 profitable years in a row build equity to €122k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-10-2020
Resigned as Director
Location & real-estate footprint
Registered office, Gistel · 1 establishment unit since 2016
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.
Nachtegalenlaan 38470 GistelGround area
604 m²
Building footprint
165 m²
Volume, LiDAR
783 m³
Parcel 35005B0437/00A000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DR T&L
since 20162.250.650.418
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35005B0437/00A000 | Flanders | 604 m² | 1 · 165 m² | 8.8 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.
Similar companies · same sector, comparable size
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Zacek Legal Consultancy
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O-TOWN
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LUIGI BELLI LEGAL SERVICES
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Of 2,756 companies in sector 69109 we hold annual accounts for 1,208. 809 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2009
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.