Dune de l'Ours
ActiveSummary
Dune de l'Ours has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €346k and a net result of €91k. Equity is growing by ~45% per year across the filed fiscal years. Its solvency ranks better than 87% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 10.22 against 5.13 in 2024; short-term debt: 9.7% and cash: 12.9% of total assets), and 11% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
89%
Return on assets
23.4%
Age of the figures
13 mo
neutral · Filed after the deadline
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 01-04-2026, 1 day 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 · 3 filingsDeviation from the deadline
2025
1 d late
2024
on the day
2023
13 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 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close24-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€346k▲ 35.7%
2024 · €255k
2023: €117k
2024: €255k
2023 → 2025
Total assets
€389k▲ 21.5%
2024 · €320k
2023: €170k
2024: €320k
2023 → 2025
Net result
€91k▼ 34.3%
2024 · €139k
2023: €114k
2024: €139k
2023 → 2025
Working capital
€348k▲ 35.8%
2024 · €256k
2023: €118k
2024: €256k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€117k-€255k▲ 119%€346k▲ 35.7%
Operating result€160k-€192k▲ 20.3%€120k▼ 37.7%
Net result€114k-€139k▲ 22.0%€91k▼ 34.3%
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 38% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €389k
Fixed assets
€3k ▲ 76.8%
Current assets
€386k ▲ 21.2%
Equity and liabilities €389k
Equity
€346k ▲ 35.7%
Debt
€43k ▼ 34.0%
Debt's share of the balance-sheet total falls from 20.3% to 11.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€120k
Cash flow
€91k
Current ratio
10.22▲
2024 · 5.13
Debt to equity
0.12▼
2024 · 0.26
ROE
26.3%▼
2024 · 54.3%
ROA
23.4%▼
2024 · 43.3%
Interest coverage
296.21
Debt ≤ 1 year
€38k▼
2024 · €62k
Income taxes
€37k▼
2024 · €58k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€320k€389k▲
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€2k€3k▲
Current assets29/58€319k€386k▲
Amounts receivable within one year40/41€10k€156▼
Trade receivables40€10k€150▼
Other amounts receivable41€110€6▼
Current investments50/53€228k€333k▲
Cash at bank and in hand54/58€81k€50k▼
Deferred charges and accrued income490/1€39€3k▲
Equity and liabilities
Total equity and liabilities10/49€320k€389k▲
Equity10/15€255k€346k▲
Contributions10/11€3k€3k=
Reserves13€252k€343k▲
Distributable reserves133€252k€343k▲
Amounts payable17/49€65k€43k▼
Amounts payable within one year42/48€62k€38k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€62k€37k▼
Taxes450/3€62k€37k▼
Other amounts payable47/48-€28
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€360
Other operating charges640/8-€551
Gross operating margin9900€192k€121k▼
Operating profit (loss)9901€192k€120k▼
Financial income75/76B€5k€8k▲
Recurring financial income75€5k€8k▲
Financial charges65/66B€65€406▲
Recurring financial charges65€65€406▲
Profit (loss) for the period before taxes9903€197k€128k▼
Income taxes67/77€58k€37k▼
Profit (loss) for the period9904€139k€91k▼
Profit (loss) for the period to be appropriated9905€139k€91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€139k€91k▼
Transfer to equity691/2€139k€91k▼
To other reserves6921€139k€91k▼
The notes to these accounts (5 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
31-08
Financial
Weakest financial yearnet €91k ▼34.3%
Net result drops to €91k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
Financial
Highest result since 2023net €139k ▲22%
Operating result €192k, net result €139k, both a record.
31-08
Financial
Equity above €200kEq €255k ▲119%
2 profitable years in a row build equity to €255k.
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herent · 1 establishment unit since 2022
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.
Heuvellaan 283020 HerentGround area
1,608 m²
Building footprint
237 m²
Volume, LiDAR
1,416 m³
Parcel 24423I0203/00N002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dune de l'Ours
since 20222.332.977.781
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423I0203/00N002 | Flanders | 1,608 m² | 1 · 237 m² | 10.6 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
ELVEMA
BE 0698.840.458
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VANDORS
BE 0871.580.533
Hamme (Vl.) · Eq €346,208
VEAMO
BE 0411.551.006
Brussel · Eq €346,105
Land of Sunshine
BE 0635.805.108
Gent · Eq €346,082
BD4 SOLUTIONS
BE 0643.888.869
Ottignies-Louvain-la-Neuve · Eq €346,082
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,299 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
Founded01-07-2022
Fiscal year end31-08
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.