Summary
MARC DESSEIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.6m and a net result of €122,328. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 8094 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 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
27 d late
2024
on the day
2023
8 d late
2022
on the day
2021
14 d early
2020
12 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 8 November (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€3.6m▲ 3.5%
2024 · €3.5m
Net result
€122,328▼ 70.7%
2024 · €417,597
Total assets
€5.5m▼ 2.2%
2024 · €5.6m
Solvency
66.4%▲ 3.6pp
2024 · 62.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€203,879▲ 33.1%€293,420▲ 43.9%€751,088▲ 156%€498,420▼ 33.6%€340,578▼ 31.7%
Net result€106,299within the sector's middle half▼ 10.2%€159,251within the sector's middle half▲ 49.8%€537,086above the sector's middle half▲ 237%€417,597above the sector's middle half▼ 22.2%€122,328above the sector's middle half▼ 70.7%
Equity€2.6mabove the sector's middle half▲ 4.2%€2.8mabove the sector's middle half▲ 5.0%€3.1mabove the sector's middle half▲ 11.7%€3.5mabove the sector's middle half▲ 13.4%€3.6mabove the sector's middle half▲ 3.5%
Total assets€3.4mwithin the sector's middle half▼ 0.7%€3.8mwithin the sector's middle half▲ 10.4%€4.5mabove the sector's middle half▲ 20.4%€5.6mabove the sector's middle half▲ 23.8%€5.5mabove the sector's middle half▼ 2.2%
Debt€761,485▼ 14.5%€984,741▲ 29.3%€1.4m▲ 44.7%€2.1m▲ 45.2%€1.8m▼ 10.9%
Working capital€536,340above the sector's middle half▼ 37.0%€625,796above the sector's middle half▲ 16.7%€952,069above the sector's middle half▲ 52.1%€1.4mabove the sector's middle half▲ 43.6%€1.4mabove the sector's middle half▲ 0.1%
Solvency77.7%above the sector's middle half▲ 3.6pp73.9%within the sector's middle half▼ 3.8pp68.6%within the sector's middle half▼ 5.3pp62.8%within the sector's middle half▼ 5.8pp66.4%within the sector's middle half▲ 3.6pp
Current ratio3.34above the sector's middle half▼ 1.032.28within the sector's middle half▼ 1.061.98within the sector's middle half▼ 0.301.77within the sector's middle half▼ 0.201.87within the sector's middle half▲ 0.10
Return on assets (ROA)3.1%within the sector's middle half▼ 0.3pp4.2%within the sector's middle half▲ 1.1pp11.8%within the sector's middle half▲ 7.6pp7.4%within the sector's middle half▼ 4.4pp2.2%within the sector's middle half▼ 5.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2023 Net result +237% on 2022. This fiscal year ran 13 months, the previous one 12. The accounts now follow the micro schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.5m
Fixed assets
€2.6m ▲ 3.1%
Current assets
€2.9m ▼ 6.4%
Equity and liabilities €5.5m
Equity
€3.6m ▲ 3.5%
Provisions
€0 ▼ 100%
Debt
€1.8m ▼ 10.9%
Debt's share of the balance-sheet total falls from 36.9% to 33.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.4%▼
2024 · 11.8%
Debt ≤ 1 year
€1.6m▼
2024 · €1.8m
Debt > 1 year
€273,510▼
2024 · €298,952
Income taxes
€132,938▲
2024 · €85,580
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €71,734 | €132,219 | €28,580 | €1,125 | ▼ 96.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €79,600 | €89,949 | €94,535 | €93,033 | €105,448 | ▲ 13.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €139,079 | -€139,079 | ▼ 200% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €19,379 | -€19,379 | ▼ 200% |
| Other operating charges640/8 | - | €47,018 | €16,786 | €10,865 | €78,381 | ▲ 621% |
| Gross operating margin9900 | €352,070 | €430,387 | €862,408 | €760,776 | €365,948 | ▼ 51.9% |
| Operating profit (loss)9901 | €203,879 | €293,420 | €751,088 | €498,420 | €340,578 | ▼ 31.7% |
| Financial income75/76B | - | €8,614 | €53,458 | €18,988 | €6,551 | ▼ 65.5% |
| Recurring financial income75 | €603 | €8,614 | €53,458 | €18,988 | €6,551 | ▼ 65.5% |
| Financial charges65/66B | - | €11,800 | €13,111 | €14,231 | €91,863 | ▲ 546% |
| Recurring financial charges65 | €34,920 | €11,800 | €13,111 | €14,231 | €91,863 | ▲ 546% |
| Profit (loss) for the period before taxes9903 | €169,561 | €290,234 | €791,434 | €503,177 | €255,266 | ▼ 49.3% |
| Income taxes67/77 | €63,262 | €130,983 | €254,349 | €85,580 | €132,938 | ▲ 55.3% |
| Profit (loss) for the period9904 | €106,299 | €159,251 | €537,086 | €417,597 | €122,328 | ▼ 70.7% |
| Transfer from tax-exempt reserves789 | - | €145,360 | €128,160 | - | €50,520 | - |
| Transfer to tax-exempt reserves689 | - | €67,360 | €357,850 | €205,027 | €46,310 | ▼ 77.4% |
| Profit (loss) for the period to be appropriated9905 | €55,779 | €237,251 | €307,396 | €212,570 | €126,538 | ▼ 40.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.4m | €3.8m | €4.5m | €5.6m | €5.5m | ▼ 2.2% |
| Fixed assets21/28 | €2.6m | €2.7m | €2.6m | €2.5m | €2.6m | ▲ 3.1% |
| Tangible fixed assets22/27 | €2.6m | €2.6m | €2.6m | €2.5m | €2.5m | ▼ 0.4% |
| Land and buildings22 | - | €2.6m | €2.6m | €2.4m | €2.4m | ▲ 0.9% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | - | €5,701 | €23,984 | €101,121 | €68,396 | ▼ 32.4% |
| Financial fixed assets28 | €5,750 | €7,000 | €7,000 | €7,000 | €93,973 | ▲ 1,242% |
| Current assets29/58 | €765,341 | €1.1m | €1.9m | €3.1m | €2.9m | ▼ 6.4% |
| Amounts receivable after more than one year29 | - | €250,000 | €377,000 | €935,500 | €1.6m | ▲ 75.3% |
| Trade receivables290 | - | - | - | - | €50,000 | - |
| Other amounts receivable291 | - | €250,000 | €377,000 | €935,500 | €1.6m | ▲ 69.9% |
| Stocks and contracts in progress3 | - | €215,068 | €635,241 | €826,697 | €132,610 | ▼ 84.0% |
| Stocks30/36 | - | €215,068 | €635,241 | €826,697 | €132,610 | ▼ 84.0% |
| Amounts receivable within one year40/41 | €153,743 | €529,988 | €502,575 | €971,035 | €1.1m | ▲ 16.0% |
| Trade receivables40 | - | €60,345 | €68,126 | €74,474 | €107,427 | ▲ 44.2% |
| Other amounts receivable41 | - | €469,643 | €434,449 | €896,560 | €1.0m | ▲ 13.6% |
| Current investments50/53 | - | - | €373,739 | - | - | - |
| Cash at bank and in hand54/58 | €411,482 | €117,412 | €37,686 | €370,304 | €18,888 | ▼ 94.9% |
| Deferred charges and accrued income490/1 | - | €2,116 | €1,872 | €33,838 | €20,645 | ▼ 39.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.4m | €3.8m | €4.5m | €5.6m | €5.5m | ▼ 2.2% |
| Equity10/15 | €2.6m | €2.8m | €3.1m | €3.5m | €3.6m | ▲ 3.5% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €2.6m | €2.8m | €3.1m | €3.5m | €3.6m | ▲ 3.5% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | - | €270,960 | €500,650 | €705,677 | €701,467 | ▼ 0.6% |
| Distributable reserves133 | - | €2.5m | €2.6m | €2.8m | €2.9m | ▲ 4.5% |
| Provisions and deferred taxes16 | - | - | - | €19,379 | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | €19,379 | - | - |
| Other liabilities and charges164/5 | - | - | - | €19,379 | - | - |
| Amounts payable17/49 | €761,485 | €984,741 | €1.4m | €2.1m | €1.8m | ▼ 10.9% |
| Amounts payable after more than one year17 | €532,484 | €495,953 | €445,990 | €298,952 | €273,510 | ▼ 8.5% |
| Financial debts170/4 | - | €495,953 | €445,990 | €298,952 | €273,510 | ▼ 8.5% |
| Amounts payable within one year42/48 | €229,001 | €488,788 | €976,044 | €1.8m | €1.6m | ▼ 11.3% |
| Current portion of amounts payable after more than one year42 | - | €184,867 | €167,443 | €149,446 | €64,063 | ▼ 57.1% |
| Trade debts44 | €9,567 | €14,293 | €22,216 | €56,738 | €18,248 | ▼ 67.8% |
| Suppliers440/4 | - | €14,293 | €22,216 | €56,738 | €18,248 | ▼ 67.8% |
| Taxes, remuneration and social security45 | - | €38,846 | €53,369 | €157,994 | €125,044 | ▼ 20.9% |
| Taxes450/3 | - | €38,846 | €53,369 | €157,994 | €125,044 | ▼ 20.9% |
| Other amounts payable47/48 | - | €250,782 | €733,015 | €1.4m | €1.4m | ▼ 3.1% |
| Accrued charges and deferred income492/3 | - | - | €3,345 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €106,299 | €159,251 | €537,086 | €417,597 | €122,328 | ▼ 70.7% |
| + Depreciation and write-downs630 | €79,600 | €89,949 | €94,535 | €93,033 | €105,448 | ▲ 13.3% |
| Operating cash flow (approximation) | €185,899 | €249,199 | €631,620 | €510,630 | €227,775 | ▼ 55.4% |
| Investment in fixed assets (approximation) | - | -€96,892 | -€48,129 | €35,160 | -€181,738 | ▼ 617% |
| Change in cash | - | -€294,070 | -€79,726 | €332,618 | -€351,415 | ▼ 206% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
State Gazette act
Algemene Vergadering - BoekjaarGeneral meeting1 fact ▸
State Gazette act
Algemene Vergadering - Boekjaar
General meeting1 fact ▸
- General meeting, 09-07-2026
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
31-03
Financial
Highest result since 2019net €537,086 ▲237%
Operating result €751,088, net result €537,086, both a record.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
28-02
Financial
Weakest financial yearnet €106,299 ▼10.2%
Net result drops to €106,299, the lowest in the series; recovery starts the following year.
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2011
Ground area
2,908 m²
Building footprint
248 m²
Volume, LiDAR
1,455 m³
Parcel 34354C0900/00H002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Marc Dessein
since 20112.198.488.766
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0900/00H002 | Flanders | 2,908 m² | 1 · 248 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Financial year
From 1 January to 31 December
Annual meeting
Third Saturday of May at 16:00
Structure & network
Owners and holdings
1 holdingOwners 0
No owner stated in the accounts, acts or LEI register we read.
Holdings 1
- D&B IMMO PROJECTSsubsidiary100%
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
1 connected companyThe connected companies are in the list below.
This company
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Shareholding
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Linked via shared directors
Fedustria
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Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
3 locations
1 location
Recognitions · licences · registrations
Legal Entity Identifier
967600NY5924129SF637
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 9,123 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-03-2011
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0834976889
Registered
21-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.