DV3
ActiveDV3 has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.17M and a net result of €85k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▼-11
Solvency49▼-2
Growth52▼-26
Stability100
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 short (current ratio 0.15 against 0.7 in 2024), and 61.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
38.1%
Return on assets
1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
29 d late
2022
109 d early
2021
17 d early
2020
43 d early
2019
75 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.17M▲ 2.7%
2024 · €3.09M
2018: €1.08M
2019: €1.32M
2020: €1.44M
2021: €1.57M
2022: €1.69M
2023: €2.94M
2024: €3.09M
2018 → 2025
Total assets
€8.32M▼ 3.3%
2024 · €8.61M
2018: €5.56M
2019: €5.71M
2020: €5.46M
2021: €5.24M
2022: €4.99M
2023: €7.71M
2024: €8.61M
2018 → 2025
Net result
€85k▼ 42.6%
2024 · €148k
2018: €122k
2019: €245k
2020: €118k
2021: €127k
2022: €124k
2023: €1.25M
2024: €148k
2018 → 2025
Working capital
€-516k▼ 223%
2024 · €-160k
2018: €-515k
2019: €-320k
2020: €-263k
2021: €-193k
2022: €-363k
2023: €-383k
2024: €-160k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.57M-€1.69M▲ 7.9%€2.94M▲ 73.8%€3.09M▲ 5.0%€3.17M▲ 2.7%
Operating result€234k-€257k▲ 9.8%€1.79M▲ 596%€267k▼ 85.1%€255k▼ 4.7%
Net result€127k-€124k▼ 2.8%€1.25M▲ 909%€148k▼ 88.2%€85k▼ 42.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.32M
Fixed assets
€8.23M=
Current assets
€89k▼ 76.4%
Equity and liabilities €8.32M
Equity
€3.17M▲ 2.7%
Provisions
€413k▼ 5.5%
Debt
€4.74M▼ 6.8%
The debt ratio falls from 59.1% to 56.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€617k▲
2024 · €594k
Cash flow
€447k▼
2024 · €474k
Solvency
38.1%▲
2024 · 35.9%
Current ratio
0.15▼
2024 · 0.70
Quick ratio
0.15▼
2024 · 0.70
Debt / equity
1.49▼
2024 · 1.65
ROE
2.7%▼
2024 · 4.8%
ROA
1.0%▼
2024 · 1.7%
Interest coverage
4.59▼
2024 · 5.15
Debt
€4.74M▼
2024 · €5.08M
Debt ≤ 1 year
€605k▲
2024 · €537k
Debt > 1 year
€4.12M▼
2024 · €4.54M
Income taxes
€60k▲
2024 · €28k
Staff costs
€203k▼
2024 · €222k
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€8.61M€8.32M▼
Fixed assets21/28€8.23M€8.23M=
Tangible fixed assets22/27€8.23M€8.23M=
Land and buildings22€8.02M€8.02M=
Furniture and vehicles24€49k€69k▲
Other tangible fixed assets26€159k€142k▼
Financial fixed assets28€0-
Current assets29/58€377k€89k▼
Amounts receivable within one year40/41€339k€40k▼
Trade receivables40€2k€17k▲
Other amounts receivable41€336k€23k▼
Cash at bank and in hand54/58€35k€45k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€8.61M€8.32M▼
Equity10/15€3.09M€3.17M▲
Contributions10/11€19k€19k=
Reserves13€3.07M€3.15M▲
Tax-exempt reserves132€1.38M€1.31M▼
Distributable reserves133€1.69M€1.85M▲
Provisions and deferred taxes16€437k€413k▼
Deferred taxes168€437k€413k▼
Amounts payable17/49€5.08M€4.74M▼
Amounts payable after more than one year17€4.54M€4.12M▼
Financial debts170/4€4.54M€4.12M▼
Amounts payable within one year42/48€537k€605k▲
Current portion of amounts payable after more than one year42€456k€443k▼
Trade debts44€16k€78k▲
Suppliers440/4€16k€78k▲
Taxes, remuneration and social security45€52k€73k▲
Taxes450/3€27k€45k▲
Remuneration and social security454/9€25k€28k▲
Other amounts payable47/48€13k€11k▼
Accrued charges and deferred income492/3€8k€8k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€222k€203k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€327k€362k▲
Other operating charges640/8€11k€19k▲
Gross operating margin9900€827k€840k▲
Operating profit (loss)9901€267k€255k▼
Financial income75/76B€53€57▲
Recurring financial income75€53€57▲
Financial charges65/66B€115k€135k▲
Recurring financial charges65€115k€135k▲
Profit (loss) for the period before taxes9903€152k€120k▼
Transfer from deferred taxes780€24k€24k▲
Transfer to deferred taxes680€0-
Income taxes67/77€28k€60k▲
Profit (loss) for the period9904€148k€85k▼
Transfer from tax-exempt reserves789€66k€74k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€214k€159k▼
Appropriation of the result
Profit (loss) to be appropriated9906€214k€159k▼
Transfer from equity791/2€0-
Transfer to equity691/2€214k€159k▼
To other reserves6921€214k€159k▼
Social balance
Average headcount (FTE)90870.03.0▲
The notes to these accounts (18 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €85k ▼42.6%
Net result drops to €85k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €1.25M ▲909%
Operating result €1.79M, net result €1.25M, both a record.
31-12
Financial
Equity above €2MEq €2.94M ▲73.8%
6 profitable years in a row build equity to €2.94M.
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 75 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Oostkamp · 1 establishment unit since 1995
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.
Kanaalstraat 108020 OostkampGround area
3,181 m²
Building footprint
1,369 m²
Volume, LiDAR
1,076 m³
Parcel 31022I0055/00P002, Flanders · tallest building 7.4 m. Linked by address, not a title deed.
1 establishment unit
Kanaalstraat 10, 8020 Oostkamp
since 19952.061.628.595
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0055/00P002 | Flanders | 3,181 m² | 1 · 1,369 m² | 7.3 m |
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 7,287 companies in sector 68110 we hold annual accounts for 5,353. 2,210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-1992
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68110Buying and selling of own real estate
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.