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DUCO

Active
Private limited companyfounded 199629 yrs activeRue Jumerée 36, 1495 Villers-la-Ville, BelgiumKBO/BCE: BE 0459.151.676
Summary

DUCO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€33,418) and a net result of -€4,599. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 19922 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability0▼-50
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11; short-term debt: 71.4% and cash: 8.1% of total assets), and equity is negative.
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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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 2024
Solvency, return and age of the figures
Solvency
-391.6%
Return on assets
-53.9%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 29 years 0 30 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€33,418
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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 filings
Deviation from the deadline
2025
not confirmed
2024
75 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
119 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 53 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 4 November 1996, DUCO was incorporated.1 Total assets went from EUR 4,444 in 2018 to EUR 8,533 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2024, micro schema

Equity
-€33,418▼ 16.0%
2023 · -€28,819
Total assets
€8,533▲ 118%
2023 · €3,922
Net result
-€4,599▼ 241%
2023 · -€1,348
Working capital
-€5,398▼ 5.5%
2023 · -€5,118
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, 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
Line20202021202220232024
Operating result€454▼ 92.1%€6,560▲ 1,346%€7,431▲ 13.3%-€316-€4,295▼ 1,257%
Net result€198below the sector's middle half▼ 96.1%€6,314below the sector's middle half▲ 3,084%€5,259below the sector's middle half▼ 16.7%-€1,348below the sector's middle half-€4,599below the sector's middle half▼ 241%
Equity-€39,045below the sector's middle half▲ 0.5%-€32,731below the sector's middle half▲ 16.2%-€27,471below the sector's middle half▲ 16.1%-€28,819below the sector's middle half▼ 4.9%-€33,418below the sector's middle half▼ 16.0%
Total assets€1,679below the sector's middle half▼ 44.5%€6,507below the sector's middle half▲ 288%€6,293below the sector's middle half▼ 3.3%€3,922below the sector's middle half▼ 37.7%€8,533below the sector's middle half▲ 118%
Debt€40,724▼ 3.7%€39,238▼ 3.6%€33,765▼ 13.9%€32,741▼ 3.0%€41,951▲ 28.1%
Working capital-€2,963below the sector's middle half▼ 153%-€6,220below the sector's middle half▼ 110%-€8,403below the sector's middle half▼ 35.1%-€5,118below the sector's middle half▲ 39.1%-€5,398below the sector's middle half▼ 5.5%
Solvency-503.0%below the sector's middle half-436.5%below the sector's middle half▲ 66.5pp-391.6%below the sector's middle half
Current ratio0.06below the sector's middle half0.15below the sector's middle half▲ 0.090.11below the sector's middle half
Return on assets (ROA)97.0%above the sector's middle half83.6%above the sector's middle half▼ 13.5pp-53.9%below the sector's middle half
above within below the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€5,000€0€5,000Operating result 2020: €454€454Net result 2020: €198€198Operating result 2021: €6,560€6,560Net result 2021: €6,314€6,314Operating result 2022: €7,431€7,431Net result 2022: €5,259€5,259Operating result 2023: -€316-€316Net result 2023: -€1,348-€1,348Operating result 2024: -€4,295-€4,295Net result 2024: -€4,599-€4,59920202021202220232024-€5,000€0€5,000Operating result 2022: €7,431€7,430Net result 2022: €5,259€5,260Operating result 2023: -€316-€316Net result 2023: -€1,348-€1,350Operating result 2024: -€4,295-€4,300Net result 2024: -€4,599-€4,600202220232024
The operating result stays negative: a loss of €4,295 in 2024 against €316 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €8,533
Fixed assets €7,841 ▲ 121%
Current assets €692 ▲ 82.1%
Key figures and ratios
2024 value · change against 2023
EBITDA
-€2,884▼
2023 · €984
Cash flow
-€3,188▼
2023 · -€48
Debt to equity
-1.26
Interest coverage
-12.73▼
2023 · 6.02
Debt ≤ 1 year
€6,089▲
2023 · €5,498
Debt > 1 year
€35,862▲
2023 · €27,243
Income taxes
€78▼
2023 · €868
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.6% went bankrupt
10.0% stopped otherwise
84% still going

A further 1.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,622 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 32 lines
Balance sheet Code20232024
Assets
Total assets20/58€3,922€8,533▲
Fixed assets21/28€3,542€7,841▲
Tangible fixed assets22/27€3,142€7,441▲
Plant, machinery and equipment23-€5,600
Furniture and vehicles24€3,142€1,842▼
Financial fixed assets28€400€400=
Current assets29/58€380€692▲
Cash at bank and in hand54/58€380€692▲
Equity and liabilities
Total equity and liabilities10/49€3,922€8,533▲
Equity10/15-€28,819-€33,418▼
Contributions10/11€18,600€18,600=
Profit (loss) carried forward14-€47,419-€52,018▼
Amounts payable17/49€32,741€41,951▲
Amounts payable after more than one year17€27,243€35,862▲
Other amounts payable178/9€27,243€35,862▲
Amounts payable within one year42/48€5,498€6,089▲
Trade debts44€2,698€3,212▲
Suppliers440/4€2,698€3,212▲
Taxes, remuneration and social security45€2,800€2,878▲
Taxes450/3€2,800€2,878▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,300€1,411▲
Other operating charges640/8€991€1,016▲
Gross operating margin9900€1,975-€1,868▼
Operating profit (loss)9901-€316-€4,295▼
Financial charges65/66B€163€227▲
Recurring financial charges65€163€227▲
Profit (loss) for the period before taxes9903-€480-€4,522▼
Income taxes67/77€868€78▼
Profit (loss) for the period9904-€1,348-€4,599▼
Profit (loss) for the period to be appropriated9905-€1,348-€4,599▼
Appropriation of the result
Profit (loss) to be appropriated9906-€47,419-€52,018▼
Profit (loss) brought forward from the previous period14P-€46,071-€47,419▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Non-recurring operating income76A-€2,250----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,190€758€1,300€1,300€1,411▲ 8.5%
Other operating charges640/8-€2,247€548€991€1,016▲ 2.5%
Gross operating margin9900€1,981€9,565€9,279€1,975-€1,868▼ 195%
Operating profit (loss)9901€454€6,560€7,431-€316-€4,295▼ 1,257%
Financial charges65/66B-€173€240€163€227▲ 38.7%
Recurring financial charges65€171€173€240€163€227▲ 38.7%
Profit (loss) for the period before taxes9903€282€6,387€7,191-€480-€4,522▼ 843%
Income taxes67/77€84€73€1,932€868€78▼ 91.0%
Profit (loss) for the period9904€198€6,314€5,259-€1,348-€4,599▼ 241%
Profit (loss) for the period to be appropriated9905€198€6,314€5,259-€1,348-€4,599▼ 241%
Line20202021202220232024Change
Assets
Total assets20/58€1,679€6,507€6,293€3,922€8,533▲ 118%
Fixed assets21/28€1,590€6,142€4,842€3,542€7,841▲ 121%
Tangible fixed assets22/27€1,190€5,742€4,442€3,142€7,441▲ 137%
Plant, machinery and equipment23----€5,600-
Furniture and vehicles24-€5,742€4,442€3,142€1,842▼ 41.4%
Financial fixed assets28€400€400€400€400€400=
Current assets29/58€89€365€1,452€380€692▲ 82.1%
Cash at bank and in hand54/58€89€365€1,452€380€692▲ 82.1%
Equity and liabilities
Total equity and liabilities10/49€1,679€6,507€6,293€3,922€8,533▲ 118%
Equity10/15-€39,045-€32,731-€27,471-€28,819-€33,418▼ 16.0%
Contributions10/11-€18,600€18,600€18,600€18,600=
Profit (loss) carried forward14-€57,645-€51,331-€46,071-€47,419-€52,018▼ 9.7%
Amounts payable17/49€40,724€39,238€33,765€32,741€41,951▲ 28.1%
Amounts payable after more than one year17€37,672€32,653€23,910€27,243€35,862▲ 31.6%
Other amounts payable178/9-€32,653€23,910€27,243€35,862▲ 31.6%
Amounts payable within one year42/48€3,052€6,585€9,855€5,498€6,089▲ 10.8%
Trade debts44€2,715€6,512€7,923€2,698€3,212▲ 19.0%
Suppliers440/4-€6,512€7,923€2,698€3,212▲ 19.0%
Taxes, remuneration and social security45-€73€1,932€2,800€2,878▲ 2.8%
Taxes450/3-€73€1,932€2,800€2,878▲ 2.8%
Line20202021202220232024Change
Profit (loss) for the period9904€198€6,314€5,259-€1,348-€4,599▼ 241%
+ Depreciation and write-downs630€1,190€758€1,300€1,300€1,411▲ 8.5%
Operating cash flow (approximation)€1,388€7,072€6,559-€48-€3,188▼ 6,591%
Investment in fixed assets (approximation)--€5,310€0€0-€5,711-
Change in cash-€276€1,086-€1,072€312▲ 129%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
14-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
31-12
Financial Weakest financial yearnet -€4,599
Net result drops to -€4,599, the lowest in the series.
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial Highest result since 2018net €6,314 ▲3,084%
Net result €6,314, the highest in the series.
31-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-11
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
11-11
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 103 days late
2018
26-10
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 87 days late
2017
28-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
30-09
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
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.
Location & real-estate footprint
Registered office, Villers-la-Ville · 1 establishment unit since 1997
seat establishment The establishment unit on the map
Ground area
1.7 ha
Building footprint
311 m²
Volume, LiDAR
3,770 m³
Parcel 25098F0036/00L000, Wallonia · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
DUCO SPRL
Rue Jumerée 36, 1495 Villers-la-VilleHuman health activities
since 19972.082.921.085
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25098F0036/00L000
ProtectedSite or landscape
Wallonia 1.7 ha 1 · 311 m² 16.8 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 5,532 companies in sector 86931 we hold annual accounts for 553. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded04-11-1996
Fiscal year end31-12
Activities, NACEBEL 2025
86931Psychology services
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.