Summary
P. DENS & C° is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €599,072 and a net result of €203,263. Equity is growing by ~9.3% per year across the filed fiscal years. The company has been active since 1993 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
20 d early
2023
13 d early
2022
31 d early
2021
31 d early
2020
29 d early
2019
37 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 30 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
In the rankings
#7 oldest company in Nijlen, Finance and insurance sector
Equity
€599,072▲ 22.3%
2023 · €489,747
Net result
€203,263▲ 141%
2023 · €84,223
Total assets
€774,228▲ 29.4%
2023 · €598,107
Solvency
77.4%▼ 4.5pp
2023 · 81.9%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€116,240▼ 18.0%€75,483▼ 35.1%€166,010▲ 120%€122,352▼ 26.3%€281,038▲ 130%
Net result€79,182above the sector's middle half▼ 15.7%€51,172within the sector's middle half▼ 35.4%€113,032above the sector's middle half▲ 121%€84,223above the sector's middle half▼ 25.5%€203,263above the sector's middle half▲ 141%
Equity€419,612above the sector's middle half▲ 4.4%€411,619above the sector's middle half▼ 1.9%€439,629above the sector's middle half▲ 6.8%€489,747above the sector's middle half▲ 11.4%€599,072above the sector's middle half▲ 22.3%
Total assets€551,605within the sector's middle half▲ 20.0%€514,613within the sector's middle half▼ 6.7%€573,719within the sector's middle half▲ 11.5%€598,107within the sector's middle half▲ 4.3%€774,228above the sector's middle half▲ 29.4%
Debt€131,993▲ 129%€102,993▼ 22.0%€134,090▲ 30.2%€108,360▼ 19.2%€175,156▲ 61.6%
Working capital€355,740above the sector's middle half▲ 11.7%€360,294above the sector's middle half▲ 1.3%€407,662above the sector's middle half▲ 13.1%€427,784above the sector's middle half▲ 4.9%€541,028above the sector's middle half▲ 26.5%
Solvency76.1%above the sector's middle half▼ 11.4pp80.0%above the sector's middle half▲ 3.9pp76.6%above the sector's middle half▼ 3.4pp81.9%above the sector's middle half▲ 5.3pp77.4%above the sector's middle half▼ 4.5pp
Current ratio3.70within the sector's middle half▼ 2.834.50above the sector's middle half▲ 0.804.04above the sector's middle half▼ 0.464.95above the sector's middle half▲ 0.914.09within the sector's middle half▼ 0.86
Return on assets (ROA)14.4%within the sector's middle half▼ 6.1pp9.9%within the sector's middle half▼ 4.4pp19.7%above the sector's middle half▲ 9.8pp14.1%within the sector's middle half▼ 5.6pp26.3%above the sector's middle half▲ 12.2pp
Staff (FTE)2.6within the sector's middle half=2.6=2.9▲ 11.5%3.4▲ 17.2%2.8▼ 17.6%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 130% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €774,228
Fixed assets
€58,044 ▼ 6.3%
Current assets
€716,184 ▲ 33.6%
Equity and liabilities €774,228
Equity
€599,072 ▲ 22.3%
Debt
€175,156 ▲ 61.6%
Debt's share of the balance-sheet total rises from 18.1% to 22.6%. Equity and debt are higher.
Key figures and ratios
ROE
33.9%▲
2023 · 17.2%
Debt ≤ 1 year
€175,156▲
2023 · €108,360
Income taxes
€93,030▲
2023 · €39,475
Staff costs
€277,247▼
2023 · €300,802
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €3,450 | - | - |
| Remuneration, social security and pensions62 | - | €214,037 | €217,038 | €300,802 | €277,247 | ▼ 7.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,890 | €26,177 | €19,357 | €15,624 | €16,332 | ▲ 4.5% |
| Other operating charges640/8 | - | €2,433 | €2,289 | €3,925 | €2,860 | ▼ 27.1% |
| Gross operating margin9900 | €349,907 | €318,130 | €404,694 | €442,702 | €577,477 | ▲ 30.4% |
| Operating profit (loss)9901 | €116,240 | €75,483 | €166,010 | €122,352 | €281,038 | ▲ 130% |
| Financial income75/76B | - | €427 | €838 | €2,808 | €17,112 | ▲ 509% |
| Recurring financial income75 | €282 | €427 | €838 | €2,808 | €17,112 | ▲ 509% |
| Financial charges65/66B | - | €1,191 | €1,499 | €1,462 | €1,856 | ▲ 27.0% |
| Recurring financial charges65 | €1,455 | €1,191 | €1,499 | €1,462 | €1,856 | ▲ 27.0% |
| Profit (loss) for the period before taxes9903 | €115,067 | €74,719 | €165,349 | €123,698 | €296,293 | ▲ 140% |
| Income taxes67/77 | €35,885 | €23,547 | €52,317 | €39,475 | €93,030 | ▲ 136% |
| Profit (loss) for the period9904 | €79,182 | €51,172 | €113,032 | €84,223 | €203,263 | ▲ 141% |
| Profit (loss) for the period to be appropriated9905 | €79,182 | €51,172 | €113,032 | €84,223 | €203,263 | ▲ 141% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €551,605 | €514,613 | €573,719 | €598,107 | €774,228 | ▲ 29.4% |
| Fixed assets21/28 | €63,872 | €51,325 | €31,968 | €61,963 | €58,044 | ▼ 6.3% |
| Intangible fixed assets21 | €2,289 | €1,145 | - | - | - | - |
| Tangible fixed assets22/27 | €61,583 | €50,181 | €31,968 | €61,963 | €58,044 | ▼ 6.3% |
| Land and buildings22 | - | €40,977 | €30,257 | €21,160 | €23,519 | ▲ 11.2% |
| Plant, machinery and equipment23 | - | - | - | - | €2,243 | - |
| Furniture and vehicles24 | - | €9,204 | €1,710 | €40,803 | €32,281 | ▼ 20.9% |
| Current assets29/58 | €487,733 | €463,287 | €541,751 | €536,144 | €716,184 | ▲ 33.6% |
| Amounts receivable within one year40/41 | €51,503 | €43,691 | €4,886 | €29,017 | €4,872 | ▼ 83.2% |
| Trade receivables40 | - | €17,051 | €807 | - | €4,872 | - |
| Other amounts receivable41 | - | €26,640 | €4,079 | €29,017 | - | - |
| Current investments50/53 | €401,452 | €381,800 | €495,994 | €476,445 | €553,696 | ▲ 16.2% |
| Cash at bank and in hand54/58 | €34,779 | €37,796 | €40,872 | €30,682 | €157,616 | ▲ 414% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €551,605 | €514,613 | €573,719 | €598,107 | €774,228 | ▲ 29.4% |
| Equity10/15 | €419,612 | €411,619 | €439,629 | €489,747 | €599,072 | ▲ 22.3% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €357,612 | €349,619 | €377,629 | €427,747 | €537,072 | ▲ 25.6% |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | €343,419 | €371,429 | €421,547 | €530,872 | ▲ 25.9% |
| Amounts payable17/49 | €131,993 | €102,993 | €134,090 | €108,360 | €175,156 | ▲ 61.6% |
| Amounts payable within one year42/48 | €131,993 | €102,993 | €134,090 | €108,360 | €175,156 | ▲ 61.6% |
| Current portion of amounts payable after more than one year42 | - | €7,973 | €7,541 | €10,156 | €10,000 | ▼ 1.5% |
| Trade debts44 | €13,959 | - | - | €12,688 | - | - |
| Suppliers440/4 | - | - | - | €12,688 | - | - |
| Taxes, remuneration and social security45 | - | €41,803 | €43,997 | €48,535 | €68,722 | ▲ 41.6% |
| Taxes450/3 | - | €13,841 | €15,554 | €10,128 | €32,955 | ▲ 225% |
| Remuneration and social security454/9 | - | €27,962 | €28,443 | €38,407 | €35,766 | ▼ 6.9% |
| Other amounts payable47/48 | - | €53,217 | €82,551 | €36,981 | €96,434 | ▲ 161% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €79,182 | €51,172 | €113,032 | €84,223 | €203,263 | ▲ 141% |
| + Depreciation and write-downs630 | €25,890 | €26,177 | €19,357 | €15,624 | €16,332 | ▲ 4.5% |
| Operating cash flow (approximation) | €105,072 | €77,348 | €132,390 | €99,847 | €219,595 | ▲ 120% |
| Investment in fixed assets (approximation) | - | -€13,630 | €0 | -€45,619 | -€12,413 | ▲ 72.8% |
| Change in cash | - | €3,017 | €3,076 | -€10,190 | €126,934 | ▲ 1,346% |
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €203,263 ▲141%
Operating result €281,038, net result €203,263, both a record.
31-12
Financial
Equity above €500,000Eq €599,072 ▲22.3%
7 profitable years in a row build equity to €599,072.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €51,172 ▼35.4%
Net result drops to €51,172, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 6.52
Current ratio from 2.85 to 6.52; short-term debt falls from €110,395 to €57,694.
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Nijlen · 2 establishment units since 1993
Ground area
5,842 m²
Building footprint
268 m²
Volume, LiDAR
1,159 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Sint-Lambertusstraat 18, 2560 Nijlen
since 19932.061.200.411
Van den Nestlaan 89, 2520 Ranst
since 19932.061.200.312
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11010C0193/00H000 | Flanders | 5,286 m² | 1 · 205 m² | 7.8 m · 2 fl. |
| 12018D0305/00T000 | Flanders | 556 m² | 1 · 64 m² | 7.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 51 EUR awarded · 419 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 125 EUR |
| 2023 | 1 | 51 EUR | 294 EUR |
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Of 1,682 companies in this sector we hold annual accounts for 1,230. 973 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded04-02-1993
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Not found in the Peppol register
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