D & G
ActiveSummary
D & G has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €17k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 89% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+12
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.54 against 3.77 in 2024; short-term debt: 14.1% and cash: 59.7% of total assets), and 15.1% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
84.9%
Return on assets
13.1%
Age of the figures
12 mo
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 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
34 d early
2023
26 d early
2022
9 d early
2021
23 d early
2020
16 d early
2019
30 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€110k▲ 5.2%
2024 · €104k
2018: €41k
2019: €42k
2020: €53k
2021: €101k
2022: €118k
2023: €106k
2024: €104k
2018 → 2025
Total assets
€129k▼ 5.2%
2024 · €136k
2018: €111k
2019: €98k
2020: €125k
2021: €164k
2022: €177k
2023: €139k
2024: €136k
2018 → 2025
Net result
€17k▲ 312%
2024 · €4k
2018: €6k
2019: €603
2020: €11k
2021: €48k
2022: €17k
2023: €6k
2024: €4k
2018 → 2025
Working capital
€101k▲ 16.1%
2024 · €87k
2018: €13k
2019: €16k
2020: €23k
2021: €68k
2022: €94k
2023: €89k
2024: €87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€118k▲ 17.2%€106k▼ 9.9%€104k▼ 1.9%€110k▲ 5.2%
Operating result€64k-€24k▼ 61.9%€9k▼ 63.8%€6k▼ 31.1%€24k▲ 286%
Net result€48k-€17k▼ 63.6%€6k▼ 64.2%€4k▼ 33.9%€17k▲ 312%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 286% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129k
Fixed assets
€10k ▼ 43.9%
Current assets
€119k ▲ 0.8%
Equity and liabilities €129k
Equity
€110k ▲ 5.2%
Debt
€20k ▼ 39.0%
Debt's share of the balance-sheet total falls from 23.5% to 15.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €13k
Cash flow
€25k▲
2024 · €11k
Current ratio
6.54▲
2024 · 3.77
Quick ratio
5.07▲
2024 · 3.20
Debt to equity
0.18▼
2024 · 0.31
ROE
15.4%▲
2024 · 3.9%
ROA
13.1%▲
2024 · 3.0%
Interest coverage
163.85▲
2024 · 72.31
Debt ≤ 1 year
€18k▼
2024 · €31k
Income taxes
€7k▲
2024 · €2k
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€136k€129k▼
Fixed assets21/28€18k€10k▼
Tangible fixed assets22/27€18k€10k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€18k€10k▼
Other tangible fixed assets26€0€0=
Current assets29/58€118k€119k▲
Stocks and contracts in progress3€18k€27k▲
Stocks30/36€18k€27k▲
Amounts receivable within one year40/41€14k€8k▼
Trade receivables40€11k€8k▼
Other amounts receivable41€3k€235▼
Cash at bank and in hand54/58€78k€77k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€136k€129k▼
Equity10/15€104k€110k▲
Contributions10/11€6k€6k=
Reserves13€98k€103k▲
Distributable reserves133€98k€103k▲
Amounts payable17/49€32k€20k▼
Amounts payable within one year42/48€31k€18k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€20k€8k▼
Accrued charges and deferred income492/3€722€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k€-1k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€23k€32k▲
Operating profit (loss)9901€6k€24k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€179€193▲
Recurring financial charges65€179€193▲
Profit (loss) for the period before taxes9903€6k€23k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€4k€17k▲
Profit (loss) for the period to be appropriated9905€4k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€17k▲
Transfer from equity791/2€6k€11k▲
Transfer to equity691/2€4k€17k▲
To other reserves6921€4k€17k▲
Profit to be distributed694/7€6k€11k▲
Return on contributions (dividend)694€6k€11k▲
The notes to these accounts (4 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €48k ▲315%
Operating result €64k, net result €48k, both a record.
30-09
Financial
Equity above €100kEq €101k ▲89.5%
4 profitable years in a row build equity to €101k.
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €603 ▼90.1%
Net result drops to €603, the lowest in the series; recovery starts the following year.
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
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
2 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, Aalst · 1 establishment unit since 2014
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.
Denderweg 469308 AalstGround area
506 m²
Building footprint
127 m²
Volume, LiDAR
606 m³
Parcel 41019A0593/00L000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D & G
since 20142.234.779.832
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41019A0593/00L000 | Flanders | 506 m² | 1 · 127 m² | 7.4 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
Watlet Kevin
BE 0759.999.453
Marche-en-Famenne · Eq €109,809
MENUISERIE WOLFS
BE 0809.041.366
Liège · Eq €109,179
DSB CONSTRUCT
BE 0656.626.751
Sint-Jans-Molenbeek · Eq €109,950
Firma Steenacker Fr.
BE 0403.690.541
Niel · Eq €110,379
Bezettingswerken Belmans
BE 0784.474.236
Lille · Eq €110,535
Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,494 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
Founded19-09-2014
Fiscal year end30-09
Activities, NACEBEL 2025
43310Plastering work
47714Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47722Retail trade
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.