DYNAMIC FINANCES
ActiveDYNAMIC FINANCES has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €238k and a net result of €10k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 4599 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability52▼-2
Solvency95▲+12
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.16 in 2023; short-term debt: 14% and cash: 0% of total assets), and 30.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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
not confirmed
2024
30 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
93 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€10k
2023 · €-5k
2018: €-362
2019: €5k
2020: €2k
2021: €17k
2022: €12k
2023: €-5k
2018 → 2024
Working capital
€-11k▲ 84.5%
2023 · €-70k
2018: €-23k
2019: €-30k
2020: €-58k
2021: €-39k
2022: €-46k
2023: €-70k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€204k-€221k▲ 8.1%€233k▲ 5.3%€228k▼ 2.1%€238k▲ 4.2%
Operating result€10k-€10k▲ 5.0%€23k▲ 123%€1k▼ 93.5%€4k▲ 194%
Net result€2k-€17k▲ 865%€12k▼ 30.6%€-5k€10k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 194% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €341k
Fixed assets
€304k▼ 20.2%
Current assets
€37k▲ 175%
Equity and liabilities €341k
Equity
€238k▲ 4.2%
Debt
€103k▼ 37.9%
The debt ratio falls from 42.2% to 30.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2023 · €13k
Cash flow
€22k▲
2023 · €7k
Solvency
69.7%▲
2023 · 57.8%
Current ratio
0.77▲
2023 · 0.16
Quick ratio
0.77▲
2023 · 0.16
Debt / equity
0.43▼
2023 · 0.73
ROE
4.1%▲
2023 · -2.2%
ROA
2.8%▲
2023 · -1.2%
Interest coverage
3.57▼
2023 · 4.37
Debt
€103k▼
2023 · €166k
Debt ≤ 1 year
€48k▼
2023 · €83k
Debt > 1 year
€55k▼
2023 · €83k
Income taxes
€5k▲
2023 · €4k
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€394k€341k▼
Fixed assets21/28€380k€304k▼
Tangible fixed assets22/27€29k€17k▼
Furniture and vehicles24€15k€5k▼
Other tangible fixed assets26€15k€13k▼
Financial fixed assets28€351k€286k▼
Current assets29/58€13k€37k▲
Amounts receivable within one year40/41€10k€36k▲
Trade receivables40€8k€841▼
Other amounts receivable41€3k€35k▲
Current investments50/53€2k-
Cash at bank and in hand54/58-€99
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€394k€341k▼
Equity10/15€228k€238k▲
Contributions10/11€12k€12k=
Reserves13€201k€220k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€199k€218k▲
Profit (loss) carried forward14€15k€5k▼
Amounts payable17/49€166k€103k▼
Amounts payable after more than one year17€83k€55k▼
Financial debts170/4€83k€55k▼
Amounts payable within one year42/48€83k€48k▼
Current portion of amounts payable after more than one year42€31k€27k▼
Financial debts43€18k€1k▼
Credit institutions430/8€17k€1k▼
Other loans439€2k-
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€23k€13k▼
Accrued charges and deferred income492/3€323-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€15k€18k▲
Operating profit (loss)9901€1k€4k▲
Financial income75/76B€782€15k▲
Recurring financial income75€782€15k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-791€15k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€-5k€10k▲
Profit (loss) for the period to be appropriated9905€-5k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€24k▲
Profit (loss) brought forward from the previous period14P€19k€15k▼
Transfer to equity691/2-€19k
To other reserves6921-€19k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-5k ▼142%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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 €17k ▲865%
Net result €17k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
01-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 93 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Equity above €200kEq €203k ▲2.8%
Equity rises from €197k to €203k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Herstal · 1 establishment unit since 2002
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.
Rue Bovendael 114041 HerstalGround area
1,498 m²
Building footprint
211 m²
Volume, LiDAR
1,128 m³
2 parcels, Wallonia · tallest building 11.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AGENCE DEVAUX-JACQUET
since 20022.114.204.476
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61078C0045/00Y005 | Wallonia | 763 m² | 1 · 99 m² | - |
| 62071B0373/00H002 | Wallonia | 735 m² | 1 · 112 m² | 11.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
9676004L58GKU39K2W05
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,128 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.