Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 14 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
DD Finance from Gent, company number BE0798266151, closed financial year 2025 with a result of € -23,531 after tax. For that financial year DD Finance recorded a gross margin of € 136,588 and equity of € 97,131. Compared with financial year 2024, the result moved from € 69,184 to € -23,531. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on March 20, 2026.
€ 97,131
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -23,531
▼ still € 69,184 profit in 2024
Profit after tax over the fiscal year.
€ 0
▼ 100% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 77,131.
People and assets in 2025
€ 82,741
▲ 258% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 80,353
▲ 50% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 452,106
▼ 3% vs 2024
€ 53,435 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 12,607
▼ 92% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,815
▼ 62% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 57,986 | € 164,594 | € 136,588 | ▼ 17% |
| Profit after taxes | € 31,478 | € 69,184 | € -23,531 | ▼ € 92,715 |
| Equity | € 51,478 | € 120,662 | € 97,131 | ▼ 20% |
| Total debts | € 154,285 | € 651,512 | € 477,876 | ▼ 27% |
| Cash | € 3,688 | € 171,480 | € 0 | ▼ 100% |
| Retained profit | € 31,478 | € 100,662 | € 77,131 | ▼ 23% |
| Bank debt | € 152,519 | € 465,716 | € 452,106 | ▼ 3% |
| Balance sheet total | € 205,763 | € 772,174 | € 575,007 | ▼ 26% |
Key figures of DD Finance, fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to DD Finance?
What happened at DD Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 23,531 (▼ € 92,715 vs 2024). Source: NBB ↗
- New establishment in Gent. KBO
- Declerck Consult BV became a director. NBB
- Geert Bert became a director. NBB
- Daemers Consult BV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 31,478 profit in 2023 to € 23,531 loss in 2025.
Paid € 34,917 in corporate taxes since 2023.
Best year ever: 2024, with € 69,184 profit.
A new publication or filing at DD Finance? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of Daemers Consult, Declerck Consult, KYGNEE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
DD FinanceBehind DD Finance are Declerck Consult BV, KYGNEE BV BV, Geert Bert and Daemers Consult BV. The shares are held by Daemers Consult (45%), Declerck Consult (45%) and KYGNEE (10%).
Directors
According to the 2025 annual accounts
Director · represented by Declerck Simon
since 2023
Director · represented by Kygnée Wim
Geert Bert
Director
since 2023
Director · represented by Daemers Benjamin
since 2023
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Sint-Markoenstraat 12
9032 Gent
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0798.266.151
- VAT number
- BE 0798.266.151
- Registered office
- Sint-Markoenstraat 12, 9032 Gent
- Names & denominations
- DD Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 February 2023
- Peppol
- Active · Active since 5 Oct 2025
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars