DB PROTEC
ActiveDB PROTEC has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €627k and a net result of €262k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+9
Solvency80▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.08 in 2024; short-term debt: 44.8% and cash: 43.1% of total assets), and 44.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
55.2%
Return on assets
23.1%
Age of the figures
9 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-08-2026, 1 day 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
1 d late
2024
18 d late
2023
21 d late
2022
54 d early
2021
40 d early
2020
32 d early
2019
39 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€262k▲ 93.6%
2024 · €135k
2018: €61k
2019: €76k
2020: €78k
2021: €39k
2022: €248k
2023: €392k
2024: €135k
2018 → 2025
Working capital
€577k▲ 46.2%
2024 · €395k
2018: €107k
2019: €160k
2020: €212k
2021: €135k
2022: €140k
2023: €420k
2024: €395k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€223k▲ 43.7%€489k▲ 120%€457k▼ 6.7%€627k▲ 37.3%
Operating result€62k-€338k▲ 442%€565k▲ 67.0%€183k▼ 67.6%€362k▲ 97.7%
Net result€39k-€248k▲ 539%€392k▲ 58.1%€135k▼ 65.4%€262k▲ 93.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 98% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€50k▼ 38.6%
Current assets
€1.09M▲ 42.6%
Equity and liabilities €1.14M
Equity
€627k▲ 37.3%
Debt
€510k▲ 31.8%
The debt ratio falls from 45.8% to 44.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€395k▲
2024 · €220k
Cash flow
€296k▲
2024 · €172k
Solvency
55.2%▲
2024 · 54.2%
Current ratio
2.13▲
2024 · 2.08
Quick ratio
1.96▲
2024 · 1.62
Debt / equity
0.81▼
2024 · 0.85
ROE
41.8%▲
2024 · 29.6%
ROA
23.1%▲
2024 · 16.1%
Interest coverage
58.94▲
2024 · 41.77
Debt
€510k▲
2024 · €387k
Debt ≤ 1 year
€510k▲
2024 · €367k
Income taxes
€117k▲
2024 · €46k
Staff costs
€19k▲
2024 · €16k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€843k€1.14M▲
Fixed assets21/28€81k€50k▼
Tangible fixed assets22/27€81k€50k▼
Plant, machinery and equipment23€15k€7k▼
Furniture and vehicles24€66k€43k▼
Current assets29/58€762k€1.09M▲
Stocks and contracts in progress3€166k€87k▼
Stocks30/36€166k€87k▼
Amounts receivable within one year40/41€224k€505k▲
Trade receivables40€143k€464k▲
Other amounts receivable41€81k€41k▼
Current investments50/53€325k-
Cash at bank and in hand54/58€43k€490k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€843k€1.14M▲
Equity10/15€457k€627k▲
Contributions10/11€19k€19k=
Reserves13€434k€602k▲
Distributable reserves133€434k€602k▲
Profit (loss) carried forward14€4k€7k▲
Amounts payable17/49€387k€510k▲
Amounts payable after more than one year17€19k-
Financial debts170/4€19k-
Amounts payable within one year42/48€367k€510k▲
Current portion of amounts payable after more than one year42€25k€19k▼
Trade debts44€116k€305k▲
Suppliers440/4€116k€305k▲
Taxes, remuneration and social security45€84k€91k▲
Taxes450/3€80k€85k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€143k€95k▼
Income statement
Code20242025
Remuneration, social security and pensions62€16k€19k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€33k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€238k€417k▲
Operating profit (loss)9901€183k€362k▲
Financial income75/76B€3k€24k▲
Recurring financial income75€3k€24k▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€181k€379k▲
Income taxes67/77€46k€117k▲
Profit (loss) for the period9904€135k€262k▲
Profit (loss) for the period to be appropriated9905€135k€262k▲
Appropriation of the result
Profit (loss) to be appropriated9906€139k€267k▲
Profit (loss) brought forward from the previous period14P€4k€4k▲
Transfer from equity791/2€68k€92k▲
Transfer to equity691/2€35k€260k▲
To other reserves6921€35k€260k▲
Profit to be distributed694/7€168k€92k▼
Return on contributions (dividend)694€168k€92k▼
Social balance
Average headcount (FTE)90870.30.3=
The notes to these accounts (12 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
01-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 1 day late
2025
31-12
Financial
Equity above €500kEq €627k ▲37.3%
8 profitable years in a row build equity to €627k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 18 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
31-12
Financial
Highest result since 2018net €392k ▲58.1%
Operating result €565k, net result €392k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €223k ▲43.7%
5 profitable years in a row build equity to €223k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €39k ▼50.5%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €200kEq €207k ▲60.8%
3 profitable years in a row build equity to €207k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €100kEq €129k ▲144%
2 profitable years in a row build equity to €129k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 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, Gembloux · 1 establishment unit since 2008
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.
Rue de Perwez, Gd-L. 515031 GemblouxGround area
951 m²
Building footprint
111 m²
Parcel 92056A0165/00Z000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Perwez, Gd-L. 51, 5031 Gembloux
since 20082.171.703.108
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92056A0165/00Z000 | Wallonia | 951 m² | 1 · 111 m² | - |
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.
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Of 192 companies in sector 46421 we hold annual accounts for 129. 91 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2008
Fiscal year end31-12
Activities, NACEBEL
46421Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
46425Wholesale trade
47712Retail trade
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.