DUCA
ActiveSummary
DUCA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.28M and a net result of €-257k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-49
Solvency53▲+12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 2.48 in 2024; short-term debt: 72.4% and cash: 0% of total assets), and 72.4% 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.6%
Return on assets
-2.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-257k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
92 d late
2023
9 d early
2022
5 d early
2021
4 d early
2020
4 d early
2019
3 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-257k▲ 61.8%
2024 · €-673k
2018: €108k
2019: €-110k
2020: €308k
2021: €-2k
2022: €-108k
2023: €13k
2024: €-673k
2018 → 2025
Working capital
€473k▼ 95.7%
2024 · €11.11M
2018: €3.95M
2019: €1.34M
2020: €7.17M
2021: €8.74M
2022: €14.68M
2023: €11.63M
2024: €11.11M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.26M-€4.22M▼ 32.5%€4.24M▲ 0.3%€3.53M▼ 16.6%€3.28M▼ 7.3%
Operating result€99k-€-93k€61k€123k▲ 103%€-244k
Net result€-2k-€-108k▼ 6,441%€13k€-673k€-257k▲ 61.8%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €244k after €123k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.87M
Fixed assets
€2.80M ▼ 5.6%
Current assets
€9.07M ▼ 51.3%
Equity and liabilities €11.87M
Equity
€3.28M ▼ 7.3%
Debt
€8.60M ▼ 52.4%
Debt's share of the balance-sheet total falls from 83.6% to 72.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-79k▼
2024 · €288k
Cash flow
€-92k▲
2024 · €-509k
Current ratio
1.06▼
2024 · 2.48
Quick ratio
0.95▼
2024 · 2.36
Debt to equity
2.62▼
2024 · 5.11
ROE
-7.8%▲
2024 · -19.1%
ROA
-2.2%▲
2024 · -3.1%
Interest coverage
-5.95▼
2024 · 6.21
Debt ≤ 1 year
€8.60M▲
2024 · €7.50M
Staff costs
€1k▲
2024 · €968
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 · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€21.58M€11.87M▼
Fixed assets21/28€2.97M€2.80M▼
Tangible fixed assets22/27€2.97M€2.80M▼
Land and buildings22€2.97M€2.80M▼
Current assets29/58€18.61M€9.07M▼
Stocks and contracts in progress3€878k€878k=
Stocks30/36€878k€878k=
Amounts receivable within one year40/41€17.73M€8.19M▼
Trade receivables40€13.96M€6.01M▼
Other amounts receivable41€3.78M€2.18M▼
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1-€58
Equity and liabilities
Total equity and liabilities10/49€21.58M€11.87M▼
Equity10/15€3.53M€3.28M▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Share premium1100/10€19k-
Revaluation surpluses12€2.77M€2.77M=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€739k€482k▼
Amounts payable17/49€18.05M€8.60M▼
Amounts payable after more than one year17€457k-
Financial debts170/4€457k-
Amounts payable within one year42/48€7.50M€8.60M▲
Trade debts44€5.79M€7.02M▲
Suppliers440/4€5.79M€7.02M▲
Other amounts payable47/48€1.71M€1.58M▼
Accrued charges and deferred income492/3€10.09M-
Income statement
Code20242025
Remuneration, social security and pensions62€968€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€165k€165k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€557€8.17M▲
Other operating charges640/8€5k€7k▲
Gross operating margin9900€294k€8.10M▲
Operating profit (loss)9901€123k€-244k▼
Financial income75/76B€0€29▲
Recurring financial income75€0€29▲
Financial charges65/66B€796k€13k▼
Recurring financial charges65€46k€13k▼
Non-recurring financial charges66B€750k-
Profit (loss) for the period before taxes9903€-673k€-257k▲
Profit (loss) for the period9904€-673k€-257k▲
Profit (loss) for the period to be appropriated9905€-673k€-257k▲
Appropriation of the result
Profit (loss) to be appropriated9906€739k€482k▼
Profit (loss) brought forward from the previous period14P€1.41M€739k▼
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 92 days late
2024
31-12
Financial
Weakest financial yearnet €-673k
Net result drops to €-673k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €5MEq €6.26M ▲64.4%
Equity rises from €3.81M to €6.26M.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €308k
Net result €308k after one loss-making year.
31-12
Financial
Equity above €2MEq €3.81M ▲212%
Equity rises from €1.22M to €3.81M.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Tournai · 1 establishment unit since 2011
Ground area
1,541 m²
Building footprint
930 m²
Volume, LiDAR
6,024 m³
Parcel 57031B0400/00S000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Innovation (FRY) 2, 7503 Tournai
since 20112.215.605.803
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57031B0400/00S000 | Wallonia | 1,541 m² | 1 · 930 m² | 7.4 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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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 14,984 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
Founded20-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
63920Other information service activities
66300Activities auxiliary to financial services and insurance activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.