Group DO
ActiveSummary
Group DO is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. For Group DO, one annual filing is missing. The 2024 annual accounts show equity of €139,159 and a net result of €15,960. Equity has been growing by about 47% per year since 2019. Its solvency ranks better than 34% of 3,244 sector peers (NACE 66, financial year 2024). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 23-05-2018 Normal situation
- Activity
- Insurance agents and brokers NACE 66220and 1 other
- Joint committee
- 307 Insurance brokers and agencies · annual accounts 2024
- Establishment units
- 2.276.053.233 2020 Antwerp, since 23-05-2018
- 2.312.292.631 2170 Antwerp, since 05-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 03-03-2026
Board and ownership
Board
- Consultant MD BVDirector · since 18-05-2018
- Oulhadj YassineDirector · since 18-05-2018
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2024
- Profit
- €15,960
- ▼ 60.4%
- Equity
- €139,159
- ▲ 13.0%
- Total assets
- €425,262
- ▼ 2.7%
- Employees on 31-12-2024
- 2
- ▼ 60.0%
- 2025 accounts not filed, 97 days past the deadline
Signalsraises riskAnnual accounts not filed2024 accounts filed 50 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Filing: One annual filing is missing
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 97 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline05-11-2026 today
raises risk · 2024 accounts filed 50 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-09-2025, 50 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
50 days late
2023
29 days late
2022
67 days late
2021
1 day late
2020
29 days late
2019
56 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 39 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (1)
Financials
Financials · financial year 2024, micro format
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 5 November 2026.
Annual accounts 2024 filed on 19-09-2025 PDF all 6 filings
Equity
€139,159▲ 13.0%
2023 · €123,199
Net result
€15,960▼ 60.4%
2023 · €40,293
Total assets
€425,262▼ 2.7%
2023 · €436,965
Solvency
32.7%▲ 4.5pp
2023 · 28.2%
Multi-year overview
2019 to 2024, 6 financial yearsOperating result
€33,487
▼ 51.7%
2024
20192024
Net result
€15,960
▼ 60.4%
2024
middle half of the sector
20192024
Equity
€139,159
▲ 13.0%
2024
middle half of the sector
20192024
Total assets
€425,262
▼ 2.7%
2024
middle half of the sector
20192024
Debt
€286,103
▼ 8.8%
2024
20192024
Working capital
-€39,772
▲ 26.5%
2024
lowest quarter of the sector
20192024
Solvency
32.7%
▲ 4.5pp
2024
middle half of the sector
20192024
Current ratio
0.69
▲ 0.17
2024
lowest quarter of the sector
20192024
Return on assets (ROA)
3.8%
▼ 5.5pp
2024
middle half of the sector
20192024
Staff (FTE)
2.7
▼ 42.6%
2024
20192024
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line201920202021202220232024
Operating result€21,296-€41,903▲ 96.8%€47,559▲ 13.5%€9,909▼ 79.2%€69,307▲ 599%€33,487▼ 51.7%
Net result€13,738-€28,361within the sector's middle half▲ 106%€33,246within the sector's middle half▲ 17.2%€1,361below the sector's middle half▼ 95.9%€40,293within the sector's middle half▲ 30×€15,960within the sector's middle half▼ 60.4%
Equity€19,938-€48,298within the sector's middle half▲ 142%€81,544within the sector's middle half▲ 68.8%€82,905within the sector's middle half▲ 1.7%€123,199within the sector's middle half▲ 48.6%€139,159within the sector's middle half▲ 13.0%
Total assets€121,313-€157,847within the sector's middle half▲ 30.1%€188,415within the sector's middle half▲ 19.4%€421,655within the sector's middle half▲ 124%€436,965within the sector's middle half▲ 3.6%€425,262within the sector's middle half▼ 2.7%
Debt€101,375-€109,549▲ 8.1%€106,871▼ 2.4%€338,750▲ 217%€313,766▼ 7.4%€286,103▼ 8.8%
Working capital€3,060-€27,485within the sector's middle half▲ 798%€45,324within the sector's middle half▲ 64.9%-€72,868below the sector's middle half-€54,099below the sector's middle half▲ 25.8%-€39,772below the sector's middle half▲ 26.5%
Solvency16.4%-30.6%within the sector's middle half▲ 14.2pp43.3%within the sector's middle half▲ 12.7pp19.7%within the sector's middle half▼ 23.6pp28.2%within the sector's middle half▲ 8.5pp32.7%within the sector's middle half▲ 4.5pp
Current ratio1.13-1.73within the sector's middle half▲ 0.602.12within the sector's middle half▲ 0.380.29below the sector's middle half▼ 1.830.52below the sector's middle half▲ 0.230.69below the sector's middle half▲ 0.17
Return on assets (ROA)11.3%-18.0%above the sector's middle half▲ 6.6pp17.6%within the sector's middle half▼ 0.3pp0.3%below the sector's middle half▼ 17.3pp9.2%within the sector's middle half▲ 8.9pp3.8%within the sector's middle half▼ 5.5pp
Staff (FTE)1.1-1.7within the sector's middle half▲ 54.5%2.6▲ 52.9%4.9▲ 88.5%4.7▼ 4.1%2.7▼ 42.6%
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2024 is 52% lower than in 2023.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €425,262
Fixed assets
€335,952 ▼ 10.9%
Current assets
€89,311 ▲ 49.6%
Equity and liabilities €425,262
Equity
€139,159 ▲ 13.0%
Debt
€286,103 ▼ 8.8%
Debt's share of the balance-sheet total falls from 71.8% to 67.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
11.5%▼
2023 · 32.7%
Debt ≤ 1 year
€129,082▲
2023 · €113,819
Debt > 1 year
€156,338▼
2023 · €199,947
Income taxes
€12,150▼
2023 · €22,827
Staff costs
€81,426▼
2023 · €104,833
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 4 | 6 | 5 | 2 |
| full-time | 1 | 2 | 1 | 0 |
| part-time | 3 | 4 | 4 | 2 |
| in full-time equivalents | 2.8 | 4.6 | 3.5 | 1 |
| Average over the year, in full-time equivalents | 2.6 | 4.9 | 3.9 | 2.4 |
| On a permanent contract | 3 | 4 | 5 | 2 |
| Joined | 13 | 20 | 16 | 2 |
| Left | 11 | 18 | 17 | 5 |
| Training hours | 8 | - | 2 | 7 |
Source: social balance sheet in the 2021 to 2024 annual accounts
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Mortgages, amount registered | - | €85,000 | €85,000 | €85,000 |
| Carrying value of the mortgaged assets | - | €76,686 | €74,502 | €72,141 |
| Pledge on the business | - | €240,000 | €240,000 | €240,000 |
Source: notes to the 2021 to 2024 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Tangible fixed assets | €12,931 | €6,199 | €8,471 | - |
| Intangible fixed assets | €3,146 | €320,000 | €20,000 | - |
| Financial fixed assets | - | €3,300 | - | - |
| Depreciation and write-downs of the year | €6,436 | €40,164 | €41,782 | €41,294 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €55,571 | €105,604 | €104,833 | €81,426 | ▼ 22.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,853 | €2,804 | €6,436 | €40,164 | €41,782 | €41,294 | ▼ 1.2% |
| Other operating charges640/8 | - | - | €3,577 | €2,766 | €3,761 | €5,560 | ▲ 47.8% |
| Gross operating margin9900 | €56,114 | €84,594 | €113,142 | €158,442 | €219,684 | €161,767 | ▼ 26.4% |
| Operating profit (loss)9901 | €21,296 | €41,903 | €47,559 | €9,909 | €69,307 | €33,487 | ▼ 51.7% |
| Financial income75/76B | - | - | €531 | €0 | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €330 | €484 | €531 | €0 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | €1,617 | €7,392 | €6,187 | €5,377 | ▼ 13.1% |
| Recurring financial charges65 | €1,104 | €1,533 | €1,617 | €7,392 | €6,187 | €5,377 | ▼ 13.1% |
| Profit (loss) for the period before taxes9903 | €20,521 | €40,855 | €46,473 | €2,518 | €63,120 | €28,110 | ▼ 55.5% |
| Income taxes67/77 | €6,784 | €12,494 | €13,227 | €1,156 | €22,827 | €12,150 | ▼ 46.8% |
| Profit (loss) for the period9904 | €13,738 | €28,361 | €33,246 | €1,361 | €40,293 | €15,960 | ▼ 60.4% |
| Profit (loss) for the period to be appropriated9905 | €13,738 | €28,361 | €33,246 | €1,361 | €40,293 | €15,960 | ▼ 60.4% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €121,313 | €157,847 | €188,415 | €421,655 | €436,965 | €425,262 | ▼ 2.7% |
| Fixed assets21/28 | €94,709 | €92,879 | €102,521 | €391,856 | €377,245 | €335,952 | ▼ 10.9% |
| Intangible fixed assets21 | - | - | €5,022 | €291,788 | €276,554 | €241,320 | ▼ 12.7% |
| Tangible fixed assets22/27 | €93,209 | €87,869 | €92,489 | €91,758 | €93,681 | €87,622 | ▼ 6.5% |
| Land and buildings22 | - | - | €78,747 | €76,686 | €77,503 | €75,143 | ▼ 3.0% |
| Plant, machinery and equipment23 | - | - | €8,052 | €4,802 | €4,513 | €2,854 | ▼ 36.8% |
| Furniture and vehicles24 | - | - | €4,087 | €3,157 | €2,227 | €1,297 | ▼ 41.8% |
| Other tangible fixed assets26 | - | - | €1,603 | €7,113 | €9,438 | €8,328 | ▼ 11.8% |
| Financial fixed assets28 | €1,500 | €5,010 | €5,010 | €8,310 | €7,010 | €7,010 | = |
| Current assets29/58 | €26,603 | €64,968 | €85,894 | €29,799 | €59,719 | €89,311 | ▲ 49.6% |
| Amounts receivable within one year40/41 | €4,083 | €5,895 | €11,402 | €6,900 | €23,168 | €0 | ▼ 100% |
| Trade receivables40 | - | - | €1,473 | €1,900 | €23,168 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | €9,928 | €5,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €11,759 | €49,461 | €65,718 | €22,806 | €36,268 | €88,176 | ▲ 143% |
| Deferred charges and accrued income490/1 | - | - | €8,774 | €93 | €283 | €1,135 | ▲ 302% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €121,313 | €157,847 | €188,415 | €421,655 | €436,965 | €425,262 | ▼ 2.7% |
| Equity10/15 | €19,938 | €48,298 | €81,544 | €82,905 | €123,199 | €139,159 | ▲ 13.0% |
| Contributions10/11 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €13,738 | €42,098 | €75,344 | €76,705 | €116,999 | €132,959 | ▲ 13.6% |
| Distributable reserves133 | - | - | €75,344 | €76,705 | €116,999 | €132,959 | ▲ 13.6% |
| Amounts payable17/49 | €101,375 | €109,549 | €106,871 | €338,750 | €313,766 | €286,103 | ▼ 8.8% |
| Amounts payable after more than one year17 | €77,831 | €72,066 | €66,301 | €236,084 | €199,947 | €156,338 | ▼ 21.8% |
| Financial debts170/4 | - | - | €66,301 | €236,084 | €199,947 | €156,338 | ▼ 21.8% |
| Amounts payable within one year42/48 | €23,544 | €37,483 | €40,570 | €102,667 | €113,819 | €129,082 | ▲ 13.4% |
| Current portion of amounts payable after more than one year42 | - | - | €5,765 | €38,640 | €36,136 | €40,290 | ▲ 11.5% |
| Trade debts44 | €7,832 | €3,844 | €3,770 | €12,843 | €12,462 | €16,428 | ▲ 31.8% |
| Suppliers440/4 | - | - | €3,770 | €12,843 | €12,462 | €16,428 | ▲ 31.8% |
| Taxes, remuneration and social security45 | - | - | €28,990 | €24,345 | €32,245 | €42,777 | ▲ 32.7% |
| Taxes450/3 | - | - | €25,721 | €14,342 | €22,827 | €33,820 | ▲ 48.2% |
| Remuneration and social security454/9 | - | - | €3,269 | €10,003 | €9,419 | €8,956 | ▼ 4.9% |
| Other amounts payable47/48 | - | - | €2,044 | €26,839 | €32,975 | €29,588 | ▼ 10.3% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | €683 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,738 | €28,361 | €33,246 | €1,361 | €40,293 | €15,960 | ▼ 60.4% |
| + Depreciation and write-downs630 | €7,853 | €2,804 | €6,436 | €40,164 | €41,782 | €41,294 | ▼ 1.2% |
| Operating cash flow (approximation) | €21,591 | €31,165 | €39,681 | €41,525 | €82,075 | €57,254 | ▼ 30.2% |
| Investment in fixed assets (approximation) | - | -€974 | -€16,077 | -€329,499 | -€27,171 | €0 | - |
| Change in cash | - | €37,702 | €16,257 | -€42,912 | €13,462 | €51,908 | ▲ 286% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 19-09-2025 | 2025-00495526 | |
| 31-12-2023 | micro format | 29-08-2024 | 2024-00395341 | |
| 31-12-2022 | micro format | 06-10-2023 | 2023-00481454 | |
| 31-12-2021 | micro format | 01-08-2022 | 2022-20271213 | |
| 31-12-2020 | micro format | 29-08-2021 | 2021-57200058 | |
| 31-12-2019 | micro format | 25-09-2020 | 2020-55600510 |
Board & ownership
Directors
Directors
2 directors
Consultant MD BV
Current
Director · since 18-05-2018 · Legal entity · listed in the 2024 annual accounts, filed on 19-09-2025
Oulhadj Yassine
Current
Owners and capital
Owners
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| Consultant MD BV |
|
| Oulhadj Yassine |
|
Network & group
Group DO shares no director with another company.
Parent company per the LEI register
Parent company:
none declared
Own declaration in the LEI register: 984500444A1A2CF5F035 · LEI lapsed
Companies at the same address
1 other companyConnections & network
2 current directorsThe network starts from the directors of Group DO. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Deeds, filings and financial milestones
2025
19-09
micro format · 50 days late
2024
29-08
micro format · 29 days late
2023
31-12
Financial
Highest result from 2019 to 2024net €40,293 ▲2,860%
The operating result of €69,307 and the net result of €40,293 are both a record.
31-12
Financial
Equity above €100,000equity €123,199 ▲48.6%
With a profit in every financial year since 2019, equity grows to €123,199.
06-10
micro format · 67 days late
2022
31-12
Financial
Weakest financial yearnet €1,361 ▼95.9%
The net result drops to €1,361, the lowest from 2019 to 2024. It recovers the following year.
01-08
micro format · 1 day late
2021
29-08
micro format · 29 days late
2020
25-09
micro format · 56 days late
2018
25-05
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Group DO in Dutch
Enterprise number
0696.702.795
LEI code
984500444A1A2CF5F035
no longer live in the LEI register
Legal form
Private limited company (pre-2019)
Status
Active, normal situation
Founded
23-05-2018
Entity type
Legal entity
Registered office and establishments
Registered office
Sint-Bernardsesteenweg 252, 2020 Antwerp, Belgium
Establishment units
Group DO, Sint-Bernardsesteenweg 252, 2020 Antwerp since 23-05-2018 · unit number 2.276.053.233
Sint-Franciscusplein 19, 2170 Antwerp since 05-01-2021 · unit number 2.312.292.631
Activities
NACEBEL 2025VAT activities
66220
Insurance agents and brokers main activity
82990
Other business support services
Social security (RSZ) activities
66220
Insurance agents and brokers main activity
Codes under NACEBEL 2008
VAT activities
66220
Activities auxiliary to financial services and insurance activities main activity
82990
Other business support services
Social security (RSZ) activities
66220
Activities auxiliary to financial services and insurance activities main activity
Joint committee
307 Insurance brokers and agencies annual accounts 2024
Invoicing and payment
VAT number
BE 0696.702.795
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the addresses
Ground area
277 m²
Building footprint
258 m²
Building volume
1,929 m³
Tallest building: 12.8 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11809I2503/00G002 | Flanders | 145 m² | 1 · 126 m² | 12.8 m · 3 |
| 11422C0195/00H005 | Flanders | 132 m² | 1 · 132 m² | 12.7 m · 3 |