Summary
MOERMAN DMC 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 €1.3m and a net result of €203,169. Equity has been growing by about 25% per year since 2020. Its solvency ranks better than 41% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 29-11-2019 Normal situation
- Activity
- Activities of holding companies NACE 64210and 1 other
- Establishment unit
- 2.299.009.074 9770 Kruisem, since 29-11-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 19-02-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €203,169
- ▲ 4.7%
- Equity
- €1.3m
- ▲ 19.3%
- Total assets
- €3.2m
- ▲ 3.4%
SignalsneutralLatest accounts filed on timeShow 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.
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 days early
2024
33 days early
2023
30 days early
2022
21 days early
2021
18 days late
2020
12 days early
← 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 18 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 02-07-2026 at the NBB all 6 filings
Equity
€1.3m▲ 19.3%
2024 · €1.1m
Net result
€203,169▲ 4.7%
2024 · €194,015
Total assets
€3.2m▲ 3.4%
2024 · €3.1m
Solvency
39.8%▲ 5.3pp
2024 · 34.5%
Trend over the years
2021 to 2025, 5 financial years 2020 to 2025, 6 financial years
The operating result for 2025 is 4% higher than in 2024. It is the third rise in a row, after the fall in 2022.
Operating result€0.3m
2025
Net result€0.2m
2025
Total assets€3.2m
2025
Equity€1.3m
2025
Debt€1.9m
2025
Working capital-€0.4m
2025
Return on assets (ROA)6.4%
2025
Solvency39.8%
2025
Current ratio0.77
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). 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 dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line202020212022202320242025
Operating result€0.3m-€0.4m▲ 38.4%€0.2m▼ 54.8%€0.3m▲ 44.9%€0.3m▲ 6.7%€0.3m▲ 4.2%
Net result€0.2mabove the sector's middle half-€0.3mabove the sector's middle half▲ 39.5%€0.2mwithin the sector's middle half▼ 47.1%€0.2mwithin the sector's middle half▲ 17.2%€0.2mwithin the sector's middle half▲ 5.2%€0.2mabove the sector's middle half▲ 4.7%
Equity€0.2mwithin the sector's middle half-€0.5mwithin the sector's middle half▲ 133%€0.7mwithin the sector's middle half▲ 29.9%€0.9mwithin the sector's middle half▲ 27.0%€1.1mwithin the sector's middle half▲ 22.5%€1.3mabove the sector's middle half▲ 19.3%
Total assets€0.9mwithin the sector's middle half-€2.0mwithin the sector's middle half▲ 133%€2.8mwithin the sector's middle half▲ 38.5%€2.9mwithin the sector's middle half▲ 3.3%€3.1mwithin the sector's middle half▲ 6.2%€3.2mabove the sector's middle half▲ 3.4%
Debt€0.6m-€1.5m▲ 133%€2.1m▲ 41.5%€2.0m▼ 4.4%€2.0m▼ 0.8%€1.9m▼ 5.0%
Working capital-€0.6mbelow the sector's middle half--€1.0mbelow the sector's middle half▼ 69.6%-€1.7mbelow the sector's middle half▼ 64.8%-€1.4mbelow the sector's middle half▲ 20.5%-€0.9mbelow the sector's middle half▲ 32.0%-€0.4mbelow the sector's middle half▲ 52.3%
Solvency25.9%within the sector's middle half-25.9%within the sector's middle half=24.3%below the sector's middle half▼ 1.6pp29.9%within the sector's middle half▲ 5.6pp34.5%within the sector's middle half▲ 4.6pp39.8%within the sector's middle half▲ 5.3pp
Current ratio0.03below the sector's middle half-0.30below the sector's middle half▲ 0.260.18below the sector's middle half▼ 0.120.32below the sector's middle half▲ 0.140.53within the sector's middle half▲ 0.210.77within the sector's middle half▲ 0.23
Return on assets (ROA)24.7%above the sector's middle half-14.8%above the sector's middle half▼ 9.9pp5.7%within the sector's middle half▼ 9.1pp6.4%within the sector's middle half▲ 0.8pp6.4%within the sector's middle half▼ 0.1pp6.4%within the sector's middle half▲ 0.1pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). 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.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.2m
Fixed assets
€1.7m ▼ 14.4%
Current assets
€1.5m ▲ 36.6%
Equity and liabilities €3.2m
Equity
€1.3m ▲ 19.3%
Debt
€1.9m ▼ 5.0%
Debt's share of the balance-sheet total falls from 65.5% to 60.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
16.2%▼
2024 · 18.4%
Debt ≤ 1 year
€1.9m▼
2024 · €2.0m
Income taxes
€89,419▲
2024 · €81,838
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1.0m | €1.1m | €157,815 | €101,538 | €60,257 |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | €85,430 | €203,990 | €282,110 | €283,449 | €281,053 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €16,974 | - | - | €11,126 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,356 | €85,430 | €203,990 | €282,110 | €283,449 | €281,053 | ▼ 0.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | - | €4,150 | - |
| Other operating charges640/8 | - | €2,346 | €8,550 | €11,930 | €8,733 | €8,999 | ▲ 3.0% |
| Gross operating margin9900 | €358,470 | €507,539 | €402,358 | €569,128 | €585,763 | €600,147 | ▲ 2.5% |
| Operating profit (loss)9901 | €303,327 | €419,763 | €189,818 | €275,088 | €293,581 | €305,946 | ▲ 4.2% |
| Financial income75/76B | - | €5 | €10 | €0 | €1,812 | €5,409 | ▲ 199% |
| Recurring financial income75 | - | €5 | €10 | €0 | €1,812 | €5,409 | ▲ 199% |
| Financial charges65/66B | - | €5,558 | €16,867 | €19,974 | €19,539 | €18,767 | ▼ 4.0% |
| Recurring financial charges65 | €2,953 | €5,558 | €16,867 | €19,974 | €19,539 | €18,767 | ▼ 4.0% |
| Profit (loss) for the period before taxes9903 | €300,374 | €414,211 | €172,960 | €255,114 | €275,853 | €292,588 | ▲ 6.1% |
| Income taxes67/77 | €87,307 | €116,916 | €15,578 | €70,716 | €81,838 | €89,419 | ▲ 9.3% |
| Profit (loss) for the period9904 | €213,066 | €297,295 | €157,382 | €184,398 | €194,015 | €203,169 | ▲ 4.7% |
| Profit (loss) for the period to be appropriated9905 | €213,066 | €297,295 | €157,382 | €184,398 | €194,015 | €203,169 | ▲ 4.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €0.9m | €2.0m | €2.8m | €2.9m | €3.1m | €3.2m | ▲ 3.4% |
| Fixed assets21/28 | €0.8m | €1.6m | €2.4m | €2.2m | €2.0m | €1.7m | ▼ 14.4% |
| Tangible fixed assets22/27 | €0.8m | €1.6m | €2.4m | €2.2m | €2.0m | €1.7m | ▼ 14.4% |
| Land and buildings22 | - | €1.2m | €1.4m | €1.4m | €1.3m | €1.3m | ▼ 3.3% |
| Plant, machinery and equipment23 | - | €0.1m | €0.5m | €0.4m | €0.3m | €0.2m | ▼ 38.6% |
| Furniture and vehicles24 | - | €0.3m | €0.5m | €0.4m | €0.4m | €0.2m | ▼ 33.9% |
| Other tangible fixed assets26 | - | €0.002m | €0.002m | €0.001m | €0.001m | €0.001m | ▼ 17.7% |
| Current assets29/58 | €0.02m | €0.4m | €0.4m | €0.6m | €1.1m | €1.5m | ▲ 36.6% |
| Amounts receivable within one year40/41 | €0.01m | €0.3m | €0.2m | €0.1m | €0.1m | €0.07m | ▼ 48.5% |
| Trade receivables40 | - | €0.2m | €0.07m | €0.1m | €0.1m | €0.06m | ▼ 46.8% |
| Other amounts receivable41 | - | €0.2m | €0.1m | €0.007m | €0.01m | €0.003m | ▼ 68.3% |
| Current investments50/53 | - | - | - | - | €0.2m | €0.2m | ▲ 2.1% |
| Cash at bank and in hand54/58 | €0.009m | €0.1m | €0.2m | €0.5m | €0.7m | €1.2m | ▲ 61.6% |
| Deferred charges and accrued income490/1 | - | €407 | €0.001m | €0.001m | €0.003m | €0.002m | ▼ 12.8% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €0.9m | €2.0m | €2.8m | €2.9m | €3.1m | €3.2m | ▲ 3.4% |
| Equity10/15 | €0.2m | €0.5m | €0.7m | €0.9m | €1.1m | €1.3m | ▲ 19.3% |
| Contributions10/11 | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Reserves13 | €0.2m | €0.5m | €0.7m | €0.8m | €1.0m | €1.2m | ▲ 19.5% |
| Distributable reserves133 | - | €0.5m | €0.7m | €0.8m | €1.0m | €1.2m | ▲ 19.5% |
| Profit (loss) carried forward14 | - | - | - | - | - | €0 | - |
| Amounts payable17/49 | €0.6m | €1.5m | €2.1m | €2.0m | €2.0m | €1.9m | ▼ 5.0% |
| Amounts payable within one year42/48 | €0.6m | €1.5m | €2.1m | €2.0m | €2.0m | €1.9m | ▼ 4.9% |
| Trade debts44 | €0.2m | €0.005m | €0.1m | €0.02m | €0.02m | €0.02m | ▼ 15.4% |
| Suppliers440/4 | - | €0.005m | €0.1m | €0.02m | €0.02m | €0.02m | ▼ 15.4% |
| Taxes, remuneration and social security45 | - | €0.04m | €0.03m | €0.02m | €0.04m | €0.05m | ▲ 47.8% |
| Taxes450/3 | - | €0.04m | €0.03m | €0.02m | €0.04m | €0.05m | ▲ 47.8% |
| Other amounts payable47/48 | - | €1.4m | €2.0m | €2.0m | €1.9m | €1.8m | ▼ 5.8% |
| Accrued charges and deferred income492/3 | - | - | - | - | €0.003m | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.2m | €0.3m | €0.2m | €0.2m | €0.2m | €0.2m | ▲ 4.7% |
| + Depreciation and write-downs630 | €0.05m | €0.09m | €0.2m | €0.3m | €0.3m | €0.3m | ▼ 0.8% |
| Operating cash flow (approximation) | €0.3m | €0.4m | €0.4m | €0.5m | €0.5m | €0.5m | ▲ 1.4% |
| Investment in fixed assets (approximation) | - | -€0.8m | -€1.0m | -€0.1m | -€0.04m | €0.006m | - |
| Change in cash | - | €0.1m | €0.08m | €0.3m | €0.2m | €0.4m | ▲ 93.2% |
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 |
|---|---|---|---|---|
| 31-12-2025 | micro format | 02-07-2026 | 2026-00240462 | |
| 31-12-2024 | abbreviated format | 28-06-2025 | 2025-00191745 | |
| 31-12-2023 | abbreviated format | 01-07-2024 | 2024-00185650 | |
| 31-12-2022 | abbreviated format | 10-07-2023 | 2023-00219061 | |
| 31-12-2021 | abbreviated format | 18-08-2022 | 2022-20293556 | |
| 31-12-2020 | abbreviated format | 19-07-2021 | 2021-37000159 |
Board & ownership
Directors
Directors
2 directors
Martens Celine
Current
Director · listed in the 2025 annual accounts, filed on 02-07-2026
Moerman Dimitri
Current
Director · listed in the 2025 annual accounts, filed on 02-07-2026
Owners and capital
Owners
Mandate history
2 people, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Martens Celine |
|
| Moerman Dimitri |
|
Network & group
MOERMAN DMC shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of MOERMAN DMC. 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
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
02-07
micro format · 29 days before the deadline
2025
15-12
Gazette deed
Company renamed from DMC INVEST MANAGEMENT to MOERMAN DMCPurpose change · Power of attorney5 points ▸
Gazette deed
Company renamed from DMC INVEST MANAGEMENT to MOERMAN DMC
Purpose change · Power of attorney5 points ▸
- General meeting, 09-12-2025
- Name change, MOERMAN DMC
- Other provision, “kennisname verslag bestuursorgaan over wijziging voorwerp, vennootschapsdossier van ondergetekende notaris” (deed in Dutch)
- Purpose change
- Power of attorney, Liesbeth Matthys
28-06
abbreviated format · 33 days before the deadline
2024
31-12
Financial
Equity above €1mequity €1.1m ▲22.5%
With a profit in every financial year since 2020, equity grows to €1.1m.
01-07
abbreviated format · 30 days before the deadline
2023
10-07
abbreviated format · 21 days before the deadline
2022
31-12
Financial
Weakest financial yearnet €157,382 ▼47.1%
The net result drops to €157,382, the lowest from 2020 to 2025. It recovers the following year.
18-08
abbreviated format · 18 days late
2021
31-12
Financial
Highest result from 2020 to 2025net €297,295 ▲39.5%
The operating result of €419,763 and the net result of €297,295 are both a record.
31-12
Financial
Equity above €500,000equity €520,361 ▲133%
With a profit in every financial year since 2020, equity grows to €520,361.
19-07
abbreviated format · 12 days before the deadline
2019
03-12
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
MOERMAN DMC in Dutch
Former name
DMC INVEST MANAGEMENT until the act of 15-12-2025
Enterprise number
0738.583.140
Legal form
Private limited company
Status
Active, normale toestand
Founded
29-11-2019
Entity type
Legal entity
Registered office and establishments
Registered office
Spondemakersstraat(KRU) 9, 9770 Kruisem, Belgium
Establishment unit
DMC INVEST MANAGEMENT, Spondemakersstraat(KRU) 9, 9770 Kruisem since 29-11-2019 · unit number 2.299.009.07423610 Manufacture of other non-metallic mineral products
E-mail
dimitri.moerman@hotmail.comKruisem
Phone
0486/72.12.14Kruisem
Activities
NACEBEL 2025VAT activities
64210
Activities of holding companies main activity
Social security (RSZ) activities
23610
Manufacture of other non-metallic mineral products main activity
Codes under NACEBEL 2008
64200
Holdings main activity
Invoicing and payment
VAT number
BE 0738.583.140
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Environmental permits
1 application in Flanders since 2021 · 1 granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Source: Omgevingsloket Vlaanderen.
Sites & property
Location
Buildings and parcels at the address
Ground area
1,980 m²
Building footprint
177 m²
Building volume
1,036 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 45017A0810/00W000 | Flanders | 1,980 m² | 1 · 177 m² | 9.3 m · 2 |