D.M.D. Verzekeringen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €775k and a net result of €161k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 1422 sector peers (fiscal year 2024). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
19 d late
2023
27 d early
2022
18 d late
2021
25 d late
2020
31 d late
2019
42 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€775k▲ 16.1%
2023 · €668k
2018: €483k
2019: €532k
2020: €566k
2021: €560k
2022: €588k
2023: €668k
2018 → 2024
Net result
€161k▲ 34.4%
2023 · €120k
2018: €54k
2019: €49k
2020: €94k
2021: €94k
2022: €147k
2023: €120k
2018 → 2024
Total assets
€1.45M▲ 18.1%
2023 · €1.23M
2018: €1.24M
2019: €957k
2020: €1.02M
2021: €1.08M
2022: €1.20M
2023: €1.23M
2018 → 2024
Solvency
53.3%▼ 1.0pp
2023 · 54.3%
2018: 38.9%
2019: 55.6%
2020: 55.4%
2021: 52.1%
2022: 48.8%
2023: 54.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€566k-€560k▼ 1.0%€588k▲ 4.9%€668k▲ 13.6%€775k▲ 16.1%
Operating result€141k-€164k▲ 16.7%€194k▲ 17.9%€189k▼ 2.4%€240k▲ 26.7%
Net result€94k-€94k▲ 0.3%€147k▲ 56.4%€120k▼ 18.7%€161k▲ 34.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 27% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.45M
Fixed assets
€317k▲ 46.2%
Current assets
€1.14M▲ 12.1%
Equity and liabilities €1.45M
Equity
€775k▲ 16.1%
Debt
€678k▲ 20.6%
The debt ratio rises from 45.7% to 46.7%. Equity and debt are higher.
Key figures and ratios
Solvency
53.3%▼
2023 · 54.3%
ROE
20.8%▲
2023 · 18.0%
ROA
11.1%▲
2023 · 9.8%
Debt
€678k▲
2023 · €562k
Debt ≤ 1 year
€555k▲
2023 · €491k
Debt > 1 year
€123k▲
2023 · €70k
Income taxes
€70k▲
2023 · €55k
Staff costs
€156k▲
2023 · €151k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.23M€1.45M▲
Fixed assets21/28€217k€317k▲
Intangible fixed assets21€6k€2k▼
Tangible fixed assets22/27€211k€315k▲
Land and buildings22€56k€52k▼
Furniture and vehicles24€155k€262k▲
Current assets29/58€1.01M€1.14M▲
Amounts receivable after more than one year29€340k€340k=
Other amounts receivable291€340k€340k=
Amounts receivable within one year40/41€362k€516k▲
Trade receivables40€146k€224k▲
Other amounts receivable41€216k€293k▲
Cash at bank and in hand54/58€289k€271k▼
Deferred charges and accrued income490/1€21k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.45M▲
Equity10/15€668k€775k▲
Contributions10/11€25k€25k=
Reserves13€610k€717k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€16k€16k=
Distributable reserves133€594k€701k▲
Profit (loss) carried forward14€33k€33k=
Amounts payable17/49€562k€678k▲
Amounts payable after more than one year17€70k€123k▲
Financial debts170/4€70k€123k▲
Amounts payable within one year42/48€491k€555k▲
Current portion of amounts payable after more than one year42€40k€62k▲
Trade debts44€382k€434k▲
Suppliers440/4€974€434k▲
Bills of exchange payable441€381k€0▼
Taxes, remuneration and social security45€69k€60k▼
Taxes450/3€54k€46k▼
Remuneration and social security454/9€15k€15k▲
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€151k€156k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€60k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€398k€458k▲
Operating profit (loss)9901€189k€240k▲
Financial income75/76B€16k€22k▲
Recurring financial income75€16k€22k▲
Financial charges65/66B€30k€31k▲
Recurring financial charges65€30k€31k▲
Profit (loss) for the period before taxes9903€175k€231k▲
Income taxes67/77€55k€70k▲
Profit (loss) for the period9904€120k€161k▲
Profit (loss) for the period to be appropriated9905€120k€161k▲
Appropriation of the result
Profit (loss) to be appropriated9906€153k€194k▲
Profit (loss) brought forward from the previous period14P€33k€33k=
Transfer from equity791/2€40k€54k▲
Transfer to equity691/2€120k€161k▲
To other reserves6921€120k€161k▲
Profit to be distributed694/7€40k€54k▲
Return on contributions (dividend)694€40k€54k▲
Social balance
Average headcount (FTE)90872.82.4▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
31-12
Financial
Highest result since 2018net €161k ▲34.4%
Operating result €240k, net result €161k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 18 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 42 days late
2019
31-12
Financial
Weakest financial yearnet €49k ▼9.5%
Net result drops to €49k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €532k ▲10.1%
2 profitable years in a row build equity to €532k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Erpe-Mere · 1 establishment unit since 1999
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.
Oudenaardsesteenweg 3599420 Erpe-MereGround area
2,908 m²
Building footprint
732 m²
Volume, LiDAR
4,405 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
D.M.D. VERZEKERINGEN
since 19992.092.383.634
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016D0947/00C000 | Flanders | 2,478 m² | 1 · 598 m² | 10.4 m · 1 fl. |
| 41040A0497/00B002 | Flanders | 430 m² | 1 · 134 m² | 10.4 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.
Similar companies · same sector, comparable size
VERZEKERINGEN KARL DE BRABANDERE
BE 0554.794.369
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Verzekeringen Deltour
BE 0433.787.364
Hooglede · Eq €776k
HELDER PLAN
BE 0657.861.027
Hasselt · Eq €776k
LOOIS VERZEKERINGSKANTOOR
BE 0893.391.972
Tessenderlo-Ham · Eq €772k
V.E. BEHEER
BE 0845.058.258
Kinrooi · Eq €772k
Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,354 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-1999
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.