DVL
ActiveThe computed 12-month bankruptcy probability of DVL is 2.0% (moderate). The 2024 annual accounts show equity of €77k and a net result of €10k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 47% of 18940 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70=
Solvency51▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.9 against 0.99 in 2023; short-term debt: 70.8% and cash: 16.6% of total assets), and 73.9% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 2024Solvency, return and age of the figures
Solvency
26.1%
Return on assets
3.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
56 d late
2023
65 d late
2022
126 d late
2021
64 d late
2020
30 d late
2019
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€77k▲ 11.5%
2023 · €69k
2018: €22k
2019: €22k
2020: €34k
2021: €49k
2022: €67k
2023: €69k
2018 → 2024
Total assets
€295k▼ 26.3%
2023 · €401k
2018: €95k
2019: €147k
2020: €163k
2021: €236k
2022: €311k
2023: €401k
2018 → 2024
Net result
€10k▲ 193%
2023 · €3k
2018: €3k
2019: €517
2020: €12k
2021: €15k
2022: €20k
2023: €3k
2018 → 2024
Working capital
€-21k▼ 951%
2023 · €-2k
2018: €10k
2019: €-10k
2020: €21k
2021: €-42k
2022: €51k
2023: €-2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€34k-€49k▲ 43.0%€67k▲ 38.0%€69k▲ 2.5%€77k▲ 11.5%
Operating result€14k-€19k▲ 33.1%€29k▲ 52.7%€11k▼ 62.1%€47k▲ 329%
Net result€12k-€15k▲ 23.3%€20k▲ 37.3%€3k▼ 83.7%€10k▲ 193%
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 2024; 2024 is 329% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €295k
Fixed assets
€107k▼ 22.4%
Current assets
€188k▼ 28.4%
Equity and liabilities €295k
Equity
€77k▲ 11.5%
Debt
€218k▼ 34.2%
The debt ratio falls from 82.8% to 73.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€83k▲
2023 · €47k
Cash flow
€46k▲
2023 · €39k
Solvency
26.1%▲
2023 · 17.2%
Current ratio
0.90▼
2023 · 0.99
Quick ratio
0.76▼
2023 · 0.91
Debt / equity
2.84▼
2023 · 4.80
ROE
12.5%▲
2023 · 4.8%
ROA
3.3%▲
2023 · 0.8%
Interest coverage
5.67▼
2023 · 6.23
Debt
€218k▼
2023 · €332k
Debt ≤ 1 year
€209k▼
2023 · €264k
Debt > 1 year
€9k▼
2023 · €64k
Income taxes
€13k▲
2023 · €292
Staff costs
€6k▼
2023 · €23k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€401k€295k▼
Fixed assets21/28€139k€107k▼
Tangible fixed assets22/27€135k€104k▼
Land and buildings22€57k€49k▼
Plant, machinery and equipment23€22k€18k▼
Furniture and vehicles24€56k€37k▼
Financial fixed assets28€3k€3k=
Current assets29/58€262k€188k▼
Stocks and contracts in progress3€22k€29k▲
Stocks30/36€22k€29k▲
Amounts receivable within one year40/41€179k€106k▼
Trade receivables40€174k€101k▼
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€59k€49k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€401k€295k▼
Equity10/15€69k€77k▲
Contributions10/11€19k€19k=
Reserves13€50k€58k▲
Distributable reserves133€50k€58k▲
Amounts payable17/49€332k€218k▼
Amounts payable after more than one year17€64k€9k▼
Financial debts170/4€64k€9k▼
Amounts payable within one year42/48€264k€209k▼
Current portion of amounts payable after more than one year42€9k€6k▼
Trade debts44€91k€133k▲
Suppliers440/4€91k€133k▲
Advances received on contracts in progress46€124k€1k▼
Taxes, remuneration and social security45€37k€64k▲
Taxes450/3€33k€62k▲
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48€4k€4k▲
Accrued charges and deferred income492/3€4k-
Income statement
Code20232024
Remuneration, social security and pensions62€23k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€37k▲
Other operating charges640/8€2k€19k▲
Gross operating margin9900€71k€108k▲
Operating profit (loss)9901€11k€47k▲
Financial income75/76B€146€40▼
Recurring financial income75€146€40▼
Financial charges65/66B€7k€24k▲
Recurring financial charges65€7k€15k▲
Non-recurring financial charges66B-€10k
Profit (loss) for the period before taxes9903€4k€23k▲
Income taxes67/77€292€13k▲
Profit (loss) for the period9904€3k€10k▲
Profit (loss) for the period to be appropriated9905€3k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€10k▲
Transfer to equity691/2€2k€8k▲
To other reserves6921€2k€8k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 126 days late
2022
31-12
Financial
Highest result since 2018net €20k ▲37.3%
Net result €20k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.44
Current ratio from 0.69 to 1.44; short-term debt falls from €134k to €116k.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €517 ▼83.4%
Net result drops to €517, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Herselt · 1 establishment unit since 2017
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.
Stationsstraat(RAM) 842230 HerseltGround area
2,653 m²
Building footprint
818 m²
Volume, LiDAR
4,276 m³
Parcel 13034H0265/00L002, Flanders · tallest building 11.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DVL
since 20172.267.897.117
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13034H0265/00L002 | Flanders | 2,653 m² | 1 · 818 m² | 11.5 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerselt2.267.897.117
Similar companies · same sector, comparable size
AARAV
BE 0753.396.030
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VERGINA
BE 0830.372.755
Sint-Agatha-Berchem · Eq €77k
LOUBO
BE 0840.232.311
Gembloux · Eq €77k
Fegitoly
BE 1002.115.314
Halen · Eq €77k
CARTON
BE 0886.452.118
Menen · Eq €77k
Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 9,789 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2017
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
47210Retail sale of fruit and vegetables
47252Retail sale of beverages, general range
47810Retail trade
56301Cafés and bars
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.