ZAKENKANTOOR D & V
ActiveSummary
ZAKENKANTOOR D & V has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €349k and a net result of €-7k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 31% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+4
Solvency56▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.33 against 2.91 in 2024; short-term debt: 8.4% and cash: 5.1% of total assets), but 69.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
3 d early
2023
33 d early
2022
11 d early
2021
18 d early
2020
24 d early
2019
3 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-7k▲ 14.6%
2024 · €-8k
2018: €12k
2019: €33k
2020: €7k
2021: €-546
2022: €19k
2023: €-8k
2024: €-8k
2018 → 2025
Working capital
€224k▲ 1.7%
2024 · €220k
2018: €255k
2019: €283k
2020: €343k
2021: €339k
2022: €271k
2023: €232k
2024: €220k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€373k-€372k▼ 0.2%€364k▼ 2.1%€356k▼ 2.2%€349k▼ 1.9%
Operating result€5k-€8k▲ 48.4%€-9k€14k€16k▲ 18.5%
Net result€-546-€19k€-8k€-8k▼ 2.0%€-7k▲ 14.6%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€818k ▼ 8.0%
Current assets
€320k ▼ 4.6%
Equity and liabilities €1.14M
Equity
€349k ▼ 1.9%
Debt
€789k ▼ 9.2%
Debt's share of the balance-sheet total falls from 70.9% to 69.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€64k▲
2024 · €53k
Cash flow
€40k▲
2024 · €31k
Current ratio
3.33▲
2024 · 2.91
Debt to equity
2.26▼
2024 · 2.44
ROE
-2.0%▲
2024 · -2.3%
ROA
-0.6%▲
2024 · -0.7%
Interest coverage
2.10▲
2024 · 1.56
Debt ≤ 1 year
€96k▼
2024 · €116k
Debt > 1 year
€686k▼
2024 · €743k
Income taxes
€108▲
2024 · €105
Staff costs
€4k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.23M€1.14M▼
Fixed assets21/28€890k€818k▼
Tangible fixed assets22/27€825k€780k▼
Land and buildings22€817k€771k▼
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€3k€2k▼
Assets under construction and advance payments27€0-
Financial fixed assets28€65k€38k▼
Current assets29/58€336k€320k▼
Amounts receivable after more than one year29€128k€87k▼
Other amounts receivable291€128k€87k▼
Amounts receivable within one year40/41€183k€170k▼
Trade receivables40€68k€37k▼
Other amounts receivable41€115k€133k▲
Cash at bank and in hand54/58€21k€58k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.14M▼
Equity10/15€356k€349k▼
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€64k€64k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€192k€185k▼
Amounts payable17/49€869k€789k▼
Amounts payable after more than one year17€743k€686k▼
Financial debts170/4€743k€686k▼
Amounts payable within one year42/48€116k€96k▼
Current portion of amounts payable after more than one year42€65k€64k▼
Trade debts44€40k€27k▼
Suppliers440/4€40k€27k▼
Taxes, remuneration and social security45€5k€1k▼
Taxes450/3€5k€1k▼
Remuneration and social security454/9€258€0▼
Other amounts payable47/48€6k€4k▼
Accrued charges and deferred income492/3€11k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€4k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€47k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€0▲
Other operating charges640/8€13k€16k▲
Gross operating margin9900€67k€84k▲
Operating profit (loss)9901€14k€16k▲
Financial income75/76B€12k€7k▼
Recurring financial income75€12k€7k▼
Financial charges65/66B€34k€30k▼
Recurring financial charges65€34k€30k▼
Profit (loss) for the period before taxes9903€-8k€-7k▲
Income taxes67/77€105€108▲
Profit (loss) for the period9904€-8k€-7k▲
Profit (loss) for the period to be appropriated9905€-8k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€192k€185k▼
Profit (loss) brought forward from the previous period14P€200k€192k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (23 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 3 days late
2019
31-12
Financial
Highest result since 2018net €33k ▲165%
Operating result €46k, net result €33k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
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.
Directors · office · real estate
Directors
10 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, Roeselare · 1 establishment unit since 1997
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ter Reigerie 58800 RoeselareGround area
1.4 ha
Building footprint
1,030 m²
Volume, LiDAR
10,927 m³
Parcel 36504D0232/00T000, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zakenkantoor D&V
since 19972.082.665.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0232/00T000 | Flanders | 1.4 ha | 1 · 1,029 m² | 13.9 m · 4 fl. |
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.
Similar companies · same sector, comparable size
Appreciamo
BE 0765.428.087
Jette · Eq €349,220
ANSOR
BE 0477.719.456
Waterloo · Eq €349,226
HLTsupply
BE 0871.368.816
Ukkel · Eq €349,258
STEAM MANAGEMENT
BE 0863.407.787
Knokke-Heist · Eq €349,147
F.F.M.
BE 0726.639.965
Rumst · Eq €349,272
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,239 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-05-1996
Fiscal year end31-12
Activities, NACEBEL 2025
55100Hotels and similar accommodation
70200Business and other management consultancy
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.