DVCD CONSULTING
ActiveDVCD CONSULTING has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €372k and a net result of €-3k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+8
Solvency100▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 15.44 against 3.22 in 2024; short-term debt: 6.2% and cash: 66.1% of total assets), and 6.2% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
93.8%
Return on assets
-0.8%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
31 d early
2024
37 d early
2023
20 d late
2022
24 d late
2021
26 d late
2020
17 d late
2019
27 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€372k▼ 39.1%
2024 · €611k
2019: €150k
2020: €489k
2021: €529k
2022: €718k
2023: €852k
2024: €611k
2019 → 2025
Total assets
€397k▼ 54.9%
2024 · €879k
2019: €228k
2020: €676k
2021: €689k
2022: €757k
2023: €879k
2024: €879k
2019 → 2025
Net result
€-3k▼ 23.7%
2024 · €-3k
2019: €144k
2020: €339k
2021: €40k
2022: €189k
2023: €134k
2024: €-3k
2019 → 2025
Working capital
€354k▼ 40.7%
2024 · €596k
2019: €149k
2020: €483k
2021: €519k
2022: €701k
2023: €835k
2024: €596k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€529k-€718k▲ 35.8%€852k▲ 18.6%€611k▼ 28.3%€372k▼ 39.1%
Operating result€57k-€262k▲ 362%€186k▼ 29.1%€12k▼ 93.6%€16k▲ 33.8%
Net result€40k-€189k▲ 376%€134k▼ 29.4%€-3k€-3k▼ 23.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €397k
Fixed assets
€18k▲ 24.7%
Current assets
€378k▼ 56.2%
Equity and liabilities €397k
Equity
€372k▼ 39.1%
Debt
€25k▼ 90.9%
The debt ratio falls from 30.5% to 6.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €16k
Cash flow
€780▼
2024 · €975
Solvency
93.8%▲
2024 · 69.5%
Current ratio
15.44▲
2024 · 3.22
Quick ratio
15.44▲
2024 · 3.22
Debt / equity
0.07▼
2024 · 0.44
ROE
-0.9%▼
2024 · -0.4%
ROA
-0.8%▼
2024 · -0.3%
Interest coverage
5.89▲
2024 · 4.85
Debt
€25k▼
2024 · €268k
Debt ≤ 1 year
€25k▼
2024 · €268k
Income taxes
€16k▲
2024 · €13k
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€879k€397k▼
Fixed assets21/28€15k€18k▲
Tangible fixed assets22/27€15k€18k▲
Furniture and vehicles24€8k€9k▲
Other tangible fixed assets26€7k€9k▲
Current assets29/58€865k€378k▼
Amounts receivable within one year40/41€285k€114k▼
Trade receivables40€26-
Other amounts receivable41€285k€114k▼
Cash at bank and in hand54/58€577k€262k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€879k€397k▼
Equity10/15€611k€372k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€590k€352k▼
Amounts payable17/49€268k€25k▼
Amounts payable within one year42/48€268k€25k▼
Trade debts44-€10k
Suppliers440/4-€10k
Taxes, remuneration and social security45€17k€14k▼
Taxes450/3€17k€14k▼
Other amounts payable47/48€251k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€929€1k▲
Gross operating margin9900€16k€21k▲
Operating profit (loss)9901€12k€16k▲
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€11k€12k▲
Income taxes67/77€13k€16k▲
Profit (loss) for the period9904€-3k€-3k▼
Profit (loss) for the period to be appropriated9905€-3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€841k€587k▼
Profit (loss) brought forward from the previous period14P€844k€590k▼
Profit to be distributed694/7€251k€236k▼
Return on contributions (dividend)694€251k€236k▼
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 15.44
Current ratio from 3.22 to 15.44; short-term debt falls from €268k to €25k.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 18.97
Current ratio from 4.25 to 18.97; short-term debt falls from €159k to €39k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Equity above €500kEq €529k ▲8.1%
3 profitable years in a row build equity to €529k.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Highest result since 2019net €339k ▲136%
Operating result €452k, net result €339k, both a record.
31-12
Financial
Equity above €200kEq €489k ▲226%
2 profitable years in a row build equity to €489k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
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, Waterloo
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.
Avenue des Libellules 141410 WaterlooGround area
643 m²
Building footprint
114 m²
Volume, LiDAR
711 m³
Parcel 25110S0026/02L003, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110S0026/02L003 | Wallonia | 643 m² | 1 · 114 m² | 8.6 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
ELIMITY
BE 0673.876.618
Mechelen · Eq €372k
DUMONT LIFE INVEST
BE 0745.846.361
Knokke-Heist · Eq €372k
GANICOR EUROPE
BE 0476.398.771
Gent · Eq €372k
MILANGH
BE 0476.691.058
Beveren-Kruibeke-Zwijndrecht · Eq €372k
O'CAPPA
BE 0446.825.055
Bilzen-Hoeselt · Eq €372k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,274 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-11-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.