Age2 yrs
Real estate1 parcel · 947 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of D&A is 0.3% (very low). The 2024 annual accounts show negative equity (€-2k) and a net result of €-12k. Its solvency ranks better than 5% of 6596 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 29-07-2025 | 2 d early | 2025-00329222 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-12k
Working capital€22k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -0.6% | 66.7% | |
| Net result | €-12k | €46k | |
| Equity | €-2k | €79k | |
| Gross operating margin | €1k | €78k | |
| Total assets | €265k | €154k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €431 |
| Net profit | €-12k |
| Cash flow | €-6k |
| Staff costs | - |
| Income taxes | €0 |
| Dividends | - |
| Total assets | €265k |
| Equity | €-2k |
| Debt | €266k |
| of which ≤ 1y | €28k |
| of which > 1y | €238k |
| Working capital | €22k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.78 |
| Quick ratio | 1.78 |
| Working capital ratio | 8.3% |
| Solvency | -0.6% |
| Debt / equity | -176.40 |
| Long-term debt ratio | -157.62 |
| Interest coverage | 0.07 |
| Gross margin | - |
| Net margin | - |
| ROA | -4.3% |
| ROE | 762.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €265k |
| Fixed assets | 21/28 | €215k |
| Tangible fixed assets | 22/27 | €215k |
| Current assets | 29/58 | €50k |
| Amounts receivable within one year | 40/41 | €7k |
| Cash & bank | 54/58 | €43k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €265k |
| Equity | 10/15 | €-2k |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €-12k |
| Amounts payable | 17/49 | €266k |
| Amounts payable after one year | 17 | €238k |
| Amounts payable within one year | 42/48 | €28k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €1k |
| Operating result | 9901 | €-5k |
| Financial income | 75 | €5 |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €-12k |
| Income taxes | 67/77 | €0 |
| Net result for the period | 9904 | €-12k |
| Result to be appropriated | 9905 | €-12k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed40
/ 100
Weak
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationD&A
since 20232.352.398.963
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area947 m²
Buildings1
Building footprint120 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12422D0227/00R000 | Flanders | 947 m² | 1 · 120 m² | - |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act Address history · 1
03-03-2025
Registered-office move
All acts · 1
updated 1 year ago
2025
03-03-2025 Registered office moved from Duffel to Sint-Katelijne-Waver
- Vlakveld 24 - 2570 Duffel → Kempenarestraat 12a te 2860 Sint-Katelijne-Waver
Analysis
Financial profile
4 of 5 axes measured67
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
40
Profitability
100
Solvency
62
Growth
-
Stability
67
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0880.984.088 · Sint-Katelijne-Waver
BE 1014.131.139 · Sint-Katelijne-Waver
BE 0647.796.088 · Mortsel
BE 0682.665.412 · Duffel
BE 0473.281.014 · Wommelgem
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 254 of the 5,521 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten op het vlak van geestelijke gezondheidszorg, m.u.v. psychiatrische ziekenhuizen en verzorgingstehuizen86904Activiteiten op het gebied van psychologie86931Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203
Primary activity highlighted.
Names & trade names
| Legal nameNL | D&A |
Registered office
Kempenarestraat 12a
2860 Sint-Katelijne-Waver, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.