dnf accountants for pensionfunds
ActiveSummary
dnf accountants for pensionfunds has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €193k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 8% of 3307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-3
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 2.58 in 2024; short-term debt: 39.6% and cash: 45.1% of total assets), but 97.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.1%
Return on assets
28.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 3307 sector peers (2025).
NBB · sector comparisonPosition among 3307 sector peers
Solvency
better than 8%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d early
2023
28 d early
2022
25 d early
2021
31 d late
2020
9 d early
2019
62 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€14k▼ 54.9%
2024 · €31k
2018: €26k
2019: €26k
2020: €28k
2021: €28k
2022: €28k
2023: €29k
2024: €31k
2018 → 2025
Total assets
€667k▲ 6.3%
2024 · €628k
2018: €263k
2019: €374k
2020: €466k
2021: €464k
2022: €498k
2023: €491k
2024: €628k
2018 → 2025
Net result
€193k▲ 10.0%
2024 · €175k
2018: €56k
2019: €90k
2020: €136k
2021: €163k
2022: €165k
2023: €168k
2024: €175k
2018 → 2025
Working capital
€392k▲ 5.4%
2024 · €372k
2018: €174k
2019: €200k
2020: €206k
2021: €187k
2022: €211k
2023: €239k
2024: €372k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€28k▲ 1.4%€29k▲ 1.0%€31k▲ 9.8%€14k▼ 54.9%
Operating result€224k-€223k▼ 0.7%€228k▲ 2.3%€238k▲ 4.5%€258k▲ 8.6%
Net result€163k-€165k▲ 1.4%€168k▲ 1.7%€175k▲ 4.2%€193k▲ 10.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €667k
Fixed assets
€11k ▼ 43.0%
Current assets
€656k ▲ 7.9%
Equity and liabilities €667k
Equity
€14k ▼ 54.9%
Debt
€653k ▲ 9.5%
Debt's share of the balance-sheet total rises from 95.0% to 97.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€267k▲
2024 · €246k
Cash flow
€201k▲
2024 · €184k
Current ratio
2.48▼
2024 · 2.58
Debt to equity
46.13▲
2024 · 18.98
ROA
28.9%▲
2024 · 27.9%
Interest coverage
671.81▼
2024 · 731.79
Debt ≤ 1 year
€264k▲
2024 · €236k
Income taxes
€70k▲
2024 · €67k
Staff costs
€149k▼
2024 · €182k
A ratio outside any meaningful range has been withheld (balance sheet total €667k, equity €14k).
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€628k€667k▲
Fixed assets21/28€19k€11k▼
Tangible fixed assets22/27€19k€11k▼
Furniture and vehicles24€19k€11k▼
Current assets29/58€608k€656k▲
Amounts receivable within one year40/41€324k€333k▲
Trade receivables40€112k€108k▼
Other amounts receivable41€213k€225k▲
Cash at bank and in hand54/58€266k€301k▲
Deferred charges and accrued income490/1€18k€22k▲
Equity and liabilities
Total equity and liabilities10/49€628k€667k▲
Equity10/15€31k€14k▼
Contributions10/11€6k€6k=
Reserves13€25k€8k▼
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€23k€6k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€596k€653k▲
Amounts payable within one year42/48€236k€264k▲
Trade debts44€34k€20k▼
Suppliers440/4€34k€20k▼
Taxes, remuneration and social security45€30k€34k▲
Taxes450/3€6k€17k▲
Remuneration and social security454/9€24k€17k▼
Other amounts payable47/48€172k€210k▲
Accrued charges and deferred income492/3€360k€389k▲
Income statement
Code20242025
Remuneration, social security and pensions62€182k€149k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€997€915▼
Gross operating margin9900€430k€416k▼
Operating profit (loss)9901€238k€258k▲
Financial income75/76B€5k€5k=
Recurring financial income75€5k€5k=
Financial charges65/66B€337€397▲
Recurring financial charges65€337€397▲
Profit (loss) for the period before taxes9903€242k€263k▲
Income taxes67/77€67k€70k▲
Profit (loss) for the period9904€175k€193k▲
Profit (loss) for the period to be appropriated9905€175k€193k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€193k▲
Transfer from equity791/2-€17k
Transfer to equity691/2€3k€0▼
To other reserves6921€3k€0▼
Profit to be distributed694/7€172k€210k▲
Return on contributions (dividend)694€172k€210k▲
Social balance
Average headcount (FTE)90872.51.8▼
The notes to these accounts (9 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
17-09
State Gazette act
Appointment: MINERVA GROEP (director)Permanent representatives: Alexander Verleysen and Ludovic Mertens · Resignation: DNF GROUP (director)5 facts ▸
State Gazette act
Appointment: MINERVA GROEP (director)
Permanent representatives: Alexander Verleysen and Ludovic Mertens · Resignation: DNF GROUP (director)5 facts ▸
- General meeting, 30-06-2026
- Director appointment, MINERVA GROEP (director)
- Permanent representative, Alexander Verleysen (permanent representative)
- Director resignation, DNF GROUP (director)
- Permanent representative, Ludovic Mertens (permanent representative)
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €193k ▲10%
Operating result €258k, net result €193k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
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 11 acts read
About the unread acts
Of the 11 Belgian State Gazette acts we know for this company, 1 has been read. The other 10 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
MINERVA GROEP
CurrentDirector · since 30-06-2026 · Private limited company · perm. rep.: Alexander Verleysen
30-06-2026
MINERVA GROEP: Appointed as Director
30-06-2026
DNF GROUP: Resigned as Director
Not every act has been read: a resignation may be missing here
10 of this company's 11 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Antwerpen · 2 establishment units since 2011
Ground area
4,337 m²
Building footprint
1,209 m²
Volume, LiDAR
18,742 m³
2 parcels, Flanders · tallest building 21.7 m, ±6 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
2 establishment units
dnf accountants for pensionfunds
since 20112.195.368.138
dnf accountants for pensionfunds
since 20142.237.627.672
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K0015/00B003 | Flanders | 3,873 m² | 1 · 1,078 m² | 21.7 m · 6 fl. |
| 23081E0229/00K000 | Flanders | 464 m² | 1 · 131 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
3 connected companiesLinked via shared directors
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 216 EUR awarded · 216 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 216 EUR | 216 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 3,742 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 formPrivate limited company
Founded13-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.