Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 62 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
D&D Finance from Brecht, company number BE0822878417, closed financial year 2025 with a result of € 20,389 after tax. For that financial year D&D Finance recorded a gross margin of € 73,648 and equity of € 364,600. Compared with financial year 2024, the result moved from € 135,497 to € 20,389. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 7, 2026.
€ 364,600
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 20,389
▼ 85% vs 2024
Profit after tax over the fiscal year.
€ 75,585
▼ 16% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 11,020 paid out
54 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 11,645
▲ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 280,583
▼ 4% vs 2024
€ 50,282 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 21,283
▲ 208% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,392
▼ 19% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 36,455 | € 96,232 | € 94,661 | € 73,648 | ▼ 22% |
| Profit after taxes | € -4,513 | € 34,012 | € 135,497 | € 20,389 | ▼ 85% |
| Equity | € 185,723 | € 219,735 | € 355,232 | € 364,600 | ▲ 3% |
| Total debts | € 487,464 | € 472,137 | € 394,197 | € 352,258 | ▼ 11% |
| Cash | € 0 | € 21,319 | € 90,022 | € 75,585 | ▼ 16% |
| Land & buildings | € 698,009 | € 679,941 | € 668,964 | € 650,535 | ▼ 3% |
| Retained profit | € 173,323 | € 207,335 | € 342,832 | € 352,200 | ▲ 3% |
| Dividend | € 0 | € 0 | € 0 | € 11,020 | |
| Bank debt | € 345,198 | € 350,946 | € 292,621 | € 280,583 | ▼ 4% |
| Balance sheet total | € 708,228 | € 725,747 | € 782,138 | € 748,402 | ▼ 4% |
Key figures of D&D Finance, fiscal years 2022 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 D&D Finance?
What happened at D&D Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 20,389 (▼ 85% vs 2024). filed late Source: NBB ↗
- New establishment in Brecht. KBO
- Danny Cerstiaens became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 4,513 loss in 2022 to € 20,389 profit in 2025.
Paid € 83,386 in corporate taxes since 2022.
Best year ever: 2024, with € 135,497 profit.
Paid out € 11,020 in dividends to the owners in total.
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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
Behind D&D Finance is Danny Cerstiaens. It owns 35% of Wommelgem Finance itself.
Directors
According to the 2025 annual accounts
since 2010
Establishments
Establishment units
Physical locations of this company
Lage Vlier 25
2960 Brecht
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0822.878.417
- VAT number
- BE 0822.878.417
- Registered office
- Lage Vlier 25, 2960 Brecht
- Names & denominations
- D&D Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 February 2010
- Peppol
- Active · Active since 14 Nov 2025
- Activities · NACE
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