D³CHOCOLATES
ActiveD³CHOCOLATES has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €122k and a net result of €80k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 29% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+2
Solvency37▲+3
Growth85=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.84 in 2023; short-term debt: 81.7% and cash: 6.3% of total assets), and 87.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €122k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-03-2025, 135 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
135 d early
2023
158 d early
2022
18 d late
2021
47 d late
2020
90 d late
2019
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€1.10M▲ 76.9%
2023 · €621k
2022: €399k
2023: €621k
2022 → 2024
EBIT margin
7.4%▲ 1.5pp
2023 · 5.9%
2022: -14.1%
2023: 5.9%
2022 → 2024
Net result
€80k▲ 120%
2023 · €36k
2018: €-44k
2019: €48k
2020: €-48k
2021: €-65k
2022: €-62k
2023: €36k
2018 → 2024
Working capital
€19k
2023 · €-66k
2018: €-51k
2019: €-29k
2020: €-72k
2021: €-141k
2022: €-61k
2023: €-66k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€399k€621k▲ 55.6%€1.10M▲ 76.9%
Equity€-9k-€-74k▼ 688%€6k€42k▲ 628%€122k▲ 189%
Operating result€-42k-€-58k▼ 37.2%€-56k▲ 3.1%€37k€81k▲ 121%
Net result€-48k-€-65k▼ 34.9%€-62k▲ 3.5%€36k€80k▲ 120%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 121% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €979k
Fixed assets
€160k▲ 37.0%
Current assets
€819k▲ 129%
Equity and liabilities €979k
Equity
€122k▲ 189%
Provisions
€0▼ 100%
Debt
€857k▲ 99.9%
The debt ratio falls from 90.3% to 87.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€120k▲
2023 · €60k
Cash flow
€119k▲
2023 · €60k
Solvency
12.5%▲
2023 · 8.9%
Current ratio
1.02▲
2023 · 0.84
Quick ratio
0.82▲
2023 · 0.53
Debt / equity
7.01▼
2023 · 10.16
ROE
65.5%▼
2023 · 86.3%
ROA
8.2%▲
2023 · 7.7%
Interest coverage
66.32▼
2023 · 168.18
Debt
€857k▲
2023 · €429k
Debt ≤ 1 year
€800k▲
2023 · €424k
Debt > 1 year
€57k▲
2023 · €5k
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€475k€979k▲
Fixed assets21/28€117k€160k▲
Intangible fixed assets21€11k€9k▼
Tangible fixed assets22/27€105k€151k▲
Plant, machinery and equipment23€62k€105k▲
Furniture and vehicles24€43k€45k▲
Current assets29/58€358k€819k▲
Stocks and contracts in progress3€133k€165k▲
Stocks30/36€133k€165k▲
Amounts receivable within one year40/41€164k€591k▲
Trade receivables40€147k€557k▲
Other amounts receivable41€16k€33k▲
Cash at bank and in hand54/58€59k€62k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€475k€979k▲
Equity10/15€42k€122k▲
Contributions10/11€161k€161k=
Reserves13€19k€19k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-138k€-58k▲
Provisions and deferred taxes16€4k-
Provisions for liabilities and charges160/5€4k-
Other liabilities and charges164/5€4k-
Amounts payable17/49€429k€857k▲
Amounts payable after more than one year17€5k€57k▲
Financial debts170/4€5k€57k▲
Amounts payable within one year42/48€424k€800k▲
Current portion of amounts payable after more than one year42-€18k
Financial debts43-€50k
Credit institutions430/8-€50k
Trade debts44€187k€513k▲
Suppliers440/4€187k€513k▲
Taxes, remuneration and social security45€102-
Taxes450/3€102-
Other amounts payable47/48€237k€220k▼
Income statement
Code20232024
Turnover70€621k€1.10M▲
Goods, raw materials, services and sundry goods60/61€554k-
Remuneration, social security and pensions62€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€39k▲
Other operating charges640/8€499€4k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€68k€124k▲
Operating profit (loss)9901€37k€81k▲
Financial income75/76B€96€866▲
Recurring financial income75€96€866▲
Financial charges65/66B€359€2k▲
Recurring financial charges65€359€2k▲
Profit (loss) for the period before taxes9903€36k€80k▲
Profit (loss) for the period9904€36k€80k▲
Profit (loss) for the period to be appropriated9905€36k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-138k€-58k▲
Profit (loss) brought forward from the previous period14P€-174k€-138k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €80k ▲120%
Operating result €81k, net result €80k, both a record.
31-12
Financial
Equity above €100kEq €122k ▲189%
2 profitable years in a row build equity to €122k.
24-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €36k
Net result €36k after 3 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
2021
31-12
Financial
Weakest financial yearnet €-65k
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Kuurne · 1 establishment unit since 2021
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.
Noordlaan 108520 KuurneGround area
6,728 m²
Building footprint
2,327 m²
Parcel 34023A0453/00C002, Flanders. Linked by address, not a title deed.
1 establishment unit
D3 CHOCOLATES
since 20212.314.456.226
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023A0453/00C002 | Flanders | 6,728 m² | 1 · 2,327 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 810 EUR awarded · 810 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 810 EUR | 810 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteKuurne2.314.456.226
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SARIBE
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Of 452 companies in sector 46360 we hold annual accounts for 286. 196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-08-2016
Fiscal year end31-12
Activities, NACEBEL
46360Wholesale trade
47242Retail sale of chocolate and confectionery
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.