d 4
ActiveSummary
d 4 has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187k and a net result of €21k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-11
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 10.83 against 5.32 in 2024; short-term debt: 8.7% and cash: 46.3% of total assets), and 8.7% of the assets are financed with debt.
Credit check 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 71
Relative position
BE, all sectors
reference
Sector 71
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
91.3%
Return on assets
10.3%
Age of the figures
9 mo
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
50 d late
2023
58 d early
2022
52 d early
2021
16 d late
2020
64 d early
2019
67 d early
← 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, micro schema
Equity
€187k▲ 12.8%
2024 · €166k
2018: €85k
2019: €102k
2020: €157k
2021: €144k
2022: €167k
2023: €127k
2024: €166k
2018 → 2025
Total assets
€205k=
2024 · €205k
2018: €151k
2019: €161k
2020: €237k
2021: €184k
2022: €299k
2023: €176k
2024: €205k
2018 → 2025
Net result
€21k▼ 46.1%
2024 · €39k
2018: €-32k
2019: €17k
2020: €80k
2021: €-13k
2022: €73k
2023: €-40k
2024: €39k
2018 → 2025
Working capital
€175k▲ 22.5%
2024 · €143k
2018: €-8k
2019: €23k
2020: €92k
2021: €82k
2022: €101k
2023: €75k
2024: €143k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€167k▲ 15.8%€127k▼ 23.9%€166k▲ 31.0%€187k▲ 12.8%
Operating result€-12k-€92k€-39k€44k€23k▼ 48.9%
Net result€-13k-€73k€-40k€39k€21k▼ 46.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€12k ▼ 57.8%
Current assets
€193k ▲ 9.6%
Equity and liabilities €205k
Equity
€187k ▲ 12.8%
Debt
€18k ▼ 54.3%
Debt's share of the balance-sheet total falls from 19.0% to 8.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €62k
Cash flow
€38k▼
2024 · €57k
Current ratio
10.83▲
2024 · 5.32
Debt to equity
0.10▼
2024 · 0.23
ROE
11.3%▼
2024 · 23.7%
ROA
10.3%▼
2024 · 19.2%
Interest coverage
20.56▼
2024 · 76.01
Debt ≤ 1 year
€18k▼
2024 · €33k
Debt > 1 year
€0▼
2024 · €6k
Income taxes
€9k▲
2024 · €6k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€205k€205k=
Fixed assets21/28€29k€12k▼
Tangible fixed assets22/27€29k€12k▼
Land and buildings22€0-
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€21k€6k▼
Current assets29/58€176k€193k▲
Stocks and contracts in progress3€5k€0▼
Stocks30/36€5k€0▼
Amounts receivable within one year40/41€77k€96k▲
Trade receivables40€2k€495▼
Other amounts receivable41€76k€95k▲
Cash at bank and in hand54/58€93k€95k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€205k€205k=
Equity10/15€166k€187k▲
Contributions10/11€6k€6k=
Reserves13€160k€181k▲
Distributable reserves133€160k€181k▲
Amounts payable17/49€39k€18k▼
Amounts payable after more than one year17€6k€0▼
Financial debts170/4€6k€0▼
Amounts payable within one year42/48€33k€18k▼
Current portion of amounts payable after more than one year42€14k€6k▼
Trade debts44€2k€11k▲
Suppliers440/4€2k€11k▲
Taxes, remuneration and social security45€17k€1k▼
Taxes450/3€17k€1k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€48k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€64k€41k▼
Operating profit (loss)9901€44k€23k▼
Financial income75/76B€3k€9k▲
Recurring financial income75€3k€9k▲
Financial charges65/66B€812€2k▲
Recurring financial charges65€812€2k▲
Profit (loss) for the period before taxes9903€46k€30k▼
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€39k€21k▼
Profit (loss) for the period to be appropriated9905€39k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€21k▼
Transfer from equity791/2€0-
Transfer to equity691/2€39k€21k▼
To other reserves6921€39k€21k▼
The notes to these accounts (7 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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 10.83
Current ratio from 5.32 to 10.83; short-term debt falls from €33k to €18k.
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-12
Financial
Equity above €150kEq €166k ▲31%
Equity rises from €127k to €166k.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-40k ▼155%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €73k
Net result €73k after one loss-making year.
31-12
Financial
Equity above €150kEq €167k ▲15.8%
Equity rises from €144k to €167k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Highest result since 2018net €80k ▲371%
Net result €80k, the highest in the series.
31-12
Financial
Equity above €150kEq €157k ▲54.2%
2 profitable years in a row build equity to €157k.
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.87
Current ratio from 0.66 to 1.87.
31-12
Financial
Equity above €100kEq €102k ▲20.1%
Equity rises from €85k to €102k.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
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.
Directors · office · real estate
Directors
4 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, Oudenaarde · 1 establishment unit since 2000
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.
Axelwalle 319700 OudenaardeGround area
1,874 m²
Building footprint
203 m²
Volume, LiDAR
1,218 m³
Parcel 45026A0599/00K000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
d 4
since 20002.099.865.502
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45026A0599/00K000 | Flanders | 1,874 m² | 1 · 203 m² | 10.1 m · 2 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
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in-detail
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'T WIT HUYS BRUGGE
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BIBI
BE 0803.144.162
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BPP INVESTMENT
BE 0402.026.495
Braine-l'Alleud · Eq €185,594
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 974 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
Founded18-10-2000
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
47512Retail sale of household textiles and bedding
47551Retail sale of household furniture
47783Retail trade
90201Performing arts by independent artists
90120Visual arts creation
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.