Summary
DUHOLD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2015 annual accounts show equity of €5.48M and a net result of €711k. Equity is growing by ~2.7% per year across the filed fiscal years. The company has been active since 2001 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.
Filing: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · No filing for years
The last filed financial year closed on 31-12-2015. Since then, 10 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 10 filingsPosition against the passed deadline
31-12-2016 close31-07-2017 deadline24-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2015 was due by 31-07-2016 and was filed on 20-06-2016, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
not filed
2019
not filed
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2015, abbreviated schema
Equity
€5.48M▲ 14.9%
2014 · €4.77M
2011: €4.76M
2012: €4.83M
2013: €5.32M
2014: €4.77M
2011 → 2015
Net result
€711k▼ 57.1%
2014 · €1.66M
2011: €3.41M
2012: €1.36M
2013: €489k
2014: €1.66M
2011 → 2015
Total assets
€5.58M▼ 63.9%
2014 · €15.45M
2011: €5.79M
2012: €5.75M
2013: €5.40M
2014: €15.45M
2011 → 2015
Solvency
98.2%▲ 67.3pp
2014 · 30.9%
2011: 82.2%
2012: 84.0%
2013: 98.6%
2014: 30.9%
2011 → 2015
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20112012201320142015Trend
Turnover€52-
Equity€4.76M-€4.83M▲ 1.5%€5.32M▲ 10.1%€4.77M▼ 10.3%€5.48M▲ 14.9%
Operating result€-18k-€423k€1.47M▲ 248%€1.47M▼ 0.4%€-40k
Net result€3.41M-€1.36M▼ 60.0%€489k▼ 64.2%€1.66M▲ 239%€711k▼ 57.1%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2015: a loss of €40k after €1.47M in 2014, the lowest result in the available series.
Balance-sheet composition
2015 in colour, 2014 as the grey bar beneath
Assets €5.58M
Fixed assets
€4.76M ▼ 0.6%
Current assets
€820k ▼ 92.3%
Equity and liabilities €5.58M
Equity
€5.48M ▲ 14.9%
Debt
€99k ▼ 99.1%
Debt's share of the balance-sheet total falls from 69.1% to 1.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.0%▼
2014 · 34.8%
ROA
12.7%▲
2014 · 10.7%
Debt ≤ 1 year
€51k▼
2014 · €4.15M
Debt > 1 year
€48k▼
2014 · €6.52M
Income taxes
€234▼
2014 · €491k
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 · 2015 against 2014 · 26 lines
Balance sheet
Code20142015
Assets
Total assets20/58€15.45M€5.58M▼
Fixed assets21/28€4.79M€4.76M▼
Intangible fixed assets21€1k-
Tangible fixed assets22/27€102k€76k▼
Financial fixed assets28€4.69M€4.69M=
Current assets29/58€10.66M€820k▼
Amounts receivable within one year40/41€10.00M€431▼
Cash at bank and in hand54/58€650k€818k▲
Equity and liabilities
Total equity and liabilities10/49€15.45M€5.58M▼
Equity10/15€4.77M€5.48M▲
Contributions10/11€2.50M€2.50M=
Reserves13€2.27M€2.98M▲
Profit (loss) carried forward14€2k-
Amounts payable17/49€10.68M€99k▼
Amounts payable after more than one year17€6.52M€48k▼
Amounts payable within one year42/48€4.15M€51k▼
Trade debts44€24k€2k▼
Income statement
Code20142015
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k=
Gross operating margin9900€1.49M€-13k▼
Operating profit (loss)9901€1.47M€-40k▼
Recurring financial income75€750k€860k▲
Recurring financial charges65€67k€108k▲
Profit (loss) for the period before taxes9903€2.15M€712k▼
Income taxes67/77€491k€234▼
Profit (loss) for the period9904€1.66M€711k▼
Profit (loss) for the period to be appropriated9905€1.65M€706k▼
Timeline · acts, filings and financial milestones
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
31-12
Financial
Liquidity times 6current ratio 16.16
Current ratio from 2.57 to 16.16; short-term debt falls from €4.15M to €51k.
31-12
Financial
Equity above €5MEq €5.48M ▲14.9%
5 profitable years in a row build equity to €5.48M.
18-07
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
2014
27-06
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
2013
31-12
Financial
Weakest financial yearnet €489k ▼64.2%
Net result drops to €489k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 22current ratio 26.09
Current ratio from 1.20 to 26.09; short-term debt falls from €917k to €78k.
31-12
Financial
Equity above €5MEq €5.32M ▲10.1%
3 profitable years in a row build equity to €5.32M.
22-07
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema
2012
31-12
Financial
Liquidity doublescurrent ratio 1.20
Current ratio from 0.55 to 1.20; short-term debt falls from €1.03M to €917k.
27-04
NBB filing
Annual accounts filed
fiscal year 2011 · full schema
2011
19-07
NBB filing
Annual accounts filed
fiscal year 2010 · full schema
Show earlier events
2010
29-06
NBB filing
Annual accounts filed
fiscal year 2009 · full schema
2009
26-08
NBB filing
Annual accounts filed
fiscal year 2008 · full schema · 26 days late
2008
30-12
NBB filing
Annual accounts filed
fiscal year 2007 · full schema · 152 days late
2007
10-08
NBB filing
Annual accounts filed
fiscal year 2006 · full schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Lier · 1 establishment unit since 2002
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.
Duwijckstraat 172500 LierGround area
5.6 ha
Building footprint
2.3 ha
Volume, LiDAR
252,228 m³
Parcel 12392A0300/00C000, Flanders · tallest building 20.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Duwijckstraat 17, 2500 Lier
since 20022.100.536.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0300/00C000 | Flanders | 5.6 ha | 1 · 2.3 ha | 20.8 m · 3 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
ASSURTEAM
BE 0426.066.956
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Bamps-Laevers Verzekeringen
BE 0471.650.820
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GUY CARPENTER ET COMPANY
BE 0421.850.327
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DANGREAU CONSULTING
BE 0739.684.386
Beersel · Eq €1.33M
Realteam
BE 0578.967.759
Sint-Pieters-Woluwe · Eq €1.17M
Of 95 companies in sector 65112 we hold annual accounts for 53. 9 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 formLimited partnership
Founded14-12-2001
Fiscal year end31-12
Activities, NACEBEL 2025
65112Insurance, reinsurance and pension funding, except compulsory social security
64999Other financial services
65122Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.