DyoB
ActiveDyoB has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €2k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 2273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+5
Solvency92▲+27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.01 in 2024; short-term debt: 32.5% and cash: 39.4% of total assets), and 32.5% 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 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
67.5%
Return on assets
5.8%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
6 d early
2023
5 d early
2022
98 d late
2021
2 d early
2020
1 d early
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€20k▲ 9.4%
2024 · €18k
2018: €7k
2019: €10k
2020: €12k
2021: €13k
2022: €16k
2023: €17k
2024: €18k
2018 → 2025
Total assets
€29k▼ 35.1%
2024 · €45k
2018: €14k
2019: €17k
2020: €19k
2021: €16k
2022: €21k
2023: €33k
2024: €45k
2018 → 2025
Net result
€2k▲ 77.4%
2024 · €946
2018: €511
2019: €3k
2020: €2k
2021: €2k
2022: €3k
2023: €924
2024: €946
2018 → 2025
Working capital
€7k▲ 1,954%
2024 · €332
2018: €-1k
2019: €5k
2020: €9k
2021: €10k
2022: €13k
2023: €856
2024: €332
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€16k▲ 20.6%€17k▲ 5.8%€18k▲ 5.6%€20k▲ 9.4%
Operating result€2k-€4k▲ 146%€1k▼ 67.6%€2k▲ 92.6%€3k▲ 10.5%
Net result€2k-€3k▲ 75.3%€924▼ 66.1%€946▲ 2.4%€2k▲ 77.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€13k▼ 27.4%
Current assets
€16k▼ 40.1%
Equity and liabilities €29k
Equity
€20k▲ 9.4%
Debt
€9k▼ 64.8%
The debt ratio falls from 60.0% to 32.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €7k
Cash flow
€6k▲
2024 · €5k
Solvency
67.5%▲
2024 · 40.0%
Current ratio
1.72▲
2024 · 1.01
Quick ratio
1.72▲
2024 · 1.01
Debt / equity
0.48▼
2024 · 1.50
ROE
8.6%▲
2024 · 5.3%
ROA
5.8%▲
2024 · 2.1%
Interest coverage
27.19▲
2024 · 15.67
Debt
€9k▼
2024 · €27k
Debt ≤ 1 year
€9k▼
2024 · €27k
Income taxes
€867▼
2024 · €1k
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€45k€29k▼
Fixed assets21/28€18k€13k▼
Tangible fixed assets22/27€18k€13k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€1k€986▼
Other tangible fixed assets26€8k€6k▼
Current assets29/58€27k€16k▼
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€4k€4k▼
Other amounts receivable41-€11
Cash at bank and in hand54/58€22k€11k▼
Deferred charges and accrued income490/1€739€938▲
Equity and liabilities
Total equity and liabilities10/49€45k€29k▼
Equity10/15€18k€20k▲
Contributions10/11€6k€6k=
Reserves13€12k€13k▲
Distributable reserves133€12k€13k▲
Amounts payable17/49€27k€9k▼
Amounts payable within one year42/48€27k€9k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€19k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€524€462▼
Gross operating margin9900€7k€8k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€21€101▲
Recurring financial income75€21€101▲
Financial charges65/66B€431€277▼
Recurring financial charges65€431€277▼
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€1k€867▼
Profit (loss) for the period9904€946€2k▲
Profit (loss) for the period to be appropriated9905€946€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€946€2k▲
Transfer to equity691/2€946€2k▲
To other reserves6921€946€2k▲
The notes to these accounts (4 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 98 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 4.87
Current ratio from 2.23 to 4.87; short-term debt falls from €7k to €3k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €3k ▲445%
Operating result €4k, net result €3k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.75
Current ratio from 0.87 to 1.75; short-term debt falls from €8k to €7k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
4 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, Herk-de-Stad · 1 establishment unit since 2015
Ground area
5,272 m²
Building footprint
1,006 m²
Volume, LiDAR
2,429 m³
Parcel 71003B0020/00N000, Flanders · tallest building 18.6 m. Linked by address, not a title deed.
1 establishment unit
Steenweg 79/1, 3540 Herk-de-Stad
since 20152.240.535.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71003B0020/00N000 | Flanders | 5,272 m² | 1 · 1,006 m² | 18.6 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 100 EUR awarded · 100 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 100 EUR | 100 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,779 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2015
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.