D&D
ActiveSummary
The computed 12-month bankruptcy probability of D&D is 2.3% (moderate). The 2025 annual accounts show equity of €12,683 and a net result of €7,683. Its solvency ranks better than 38% of 22,773 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 06-12-2024 Normal situation
- Activity
- Retail sale of automotive fuel NACE 47300and 4 others
- Establishment unit
- 2.367.592.727 5004 Namur, since 09-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.3%
- Gross margin
- €13,065
- Turnover
- ≈ €240,000
- estimated
- Profit
- €7,683
- Equity
- €12,683
- Total assets
- €64,033
- 2025 accounts filed 67 days after the deadline
Score breakdownraises riskLast filed accounts filed 67 days late; 1 of the last 3 accounts lateFounded in 2024Size: total assets €64,033lowers riskLiquidity: current ratio 1.16, cash €22,178Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 36% of them on solvency, 59% on liquidity and 77% on profitability.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 67 days after the deadline Filed on 6 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00548524.
Annual accounts 2025 filed on 06-10-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2025 |
|---|---|
| Tangible fixed assets | €11,741 |
| Depreciation and write-downs of the year | €2,129 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,129 |
| Other operating charges640/8 | €462 |
| Gross operating margin9900 | €13,065 |
| Operating profit (loss)9901 | €10,473 |
| Financial charges65/66B | €495 |
| Recurring financial charges65 | €495 |
| Profit (loss) for the period before taxes9903 | €9,978 |
| Income taxes67/77 | €2,296 |
| Profit (loss) for the period9904 | €7,683 |
| Profit (loss) for the period to be appropriated9905 | €7,683 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €64,033 | |
| Fixed assets21/28 | €9,611 | |
| Tangible fixed assets22/27 | €9,611 | |
| Furniture and vehicles24 | €9,611 | |
| Current assets29/58 | €54,422 | |
| Stocks and contracts in progress3 | €24,526 | |
| Stocks30/36 | €24,526 | |
| Amounts receivable within one year40/41 | €1,124 | |
| Trade receivables40 | €50 | |
| Other amounts receivable41 | €1,073 | |
| Cash at bank and in hand54/58 | €22,178 | |
| Deferred charges and accrued income490/1 | €6,594 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €64,033 | |
| Equity10/15 | €12,683 | |
| Contributions10/11 | €5,000 | |
| Profit (loss) carried forward14 | €7,683 | |
| Amounts payable17/49 | €51,351 | |
| Amounts payable within one year42/48 | €47,114 | |
| Trade debts44 | €8,201 | |
| Suppliers440/4 | €8,201 | |
| Taxes, remuneration and social security45 | €2,296 | |
| Taxes450/3 | €2,296 | |
| Other amounts payable47/48 | €36,617 | |
| Accrued charges and deferred income492/3 | €4,237 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €7,683 |
| + Depreciation and write-downs630 | €2,129 |
| Operating cash flow (approximation) | €9,812 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,390 companies had the same profile as D&D has now. Two years later, 1.2% had gone bankrupt and 96.7% were still going.
- Micro
- under 2 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of D&D itself is higher: 2.3% within 12 months. It rests on far more data about D&D than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for D&D. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 06-10-2026 | 2026-00548524 |
Board & ownership
Directors
Owners and capital
Shareholders
- LELOUP David 50 shares (50%) · €2,500
- GONZALEZ PULGAR Dayanna 50 shares (50%) · €2,500
Capital transactions
- 10-12-2024 Incorporation · €5,000 · 100 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| GONZALEZ PULGAR Dayanna |
|
| LELOUP David |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs,personnes physiques ou morales,actionnaires ou non, L'assemblée qui nomme le ou les administrateur(s) fixe…”“La totalité des pouvoirs d’administration lui est attribuée,avec la faculté de déléguer partie de ceux-ci, chaque administrateur agissant…”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Dissolution pour quelque cause et à quelque moment, peut désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments”
Articles of association, deed of 10-12-2024 (in French)
Network & group
D&D shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of D&D. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
10-12
Gazette deed
IncorporationStarting capital €5,000 · Appointments: LELOUP David (director) and GONZALEZ PULGAR Dayanna (director) · Permanent representative: LELOUP David · Founder10 points ▸
- Founder, LELOUP David
- Founder, GONZALEZ PULGAR Dayanna
- Incorporation, “D&D” (deed in French)
- Founding capital, €5,000
- Other provision, “effectivité décisions finales et transitoires, effectives seulement à dater du dépôt au greffe expédition acte constitutif conformément loi” (deed in French)
- Registered office clause, “4357 Verlaine,Vinave des Stréats,97/A23” (deed in French)
- Board rule, 2
- Director appointment, LELOUP David (director (not named in the articles))
- Director appointment, GONZALEZ PULGAR Dayanna (director (not named in the articles))
- Permanent representative, LELOUP David
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
22 activities
- Exploitation pompe à essence,vente de tout type de carburants
- Activité de carwash
- Commerce de détail de journaux,de papeterie,de chocolat,de confiserie,de boissons,de matériels de télécommunication,de cadeaux portant sur l'équipement du foyer,de sacs et accessoires,de bijouterie fantaisie,de gadgets,de jeux et jouets
- Le commerce de détail de livres,journaux et papeterie en magasin spécialisé
- La restauration à service restreint,à l’exclusion des mets pour la préparation et le service desquels un accès à la profession est requis
- Le commerce de détail de chocolat et de confiserie en magasin spécialisé
- La vente de boissons alcoolisées et non alcoolisées ains que la vente de cigarettes
- Le commerce de détail de produits à base de tabac en magasin spécialisé
- Activité liée à la vente de billets de loterie,de bulletins de participation
- Points poste
- Le commerce de détail de livres,journaux et papeterie en magasin spécialisé
- Le commerce de détail de tous types de produits par internet (e-commerce)
- L’organisation de loterie,lotos,pronostics,paris mutuels,etc
- Les activités liées à la vente de billet de loterie,la distribution et la collecte de bulletins de participation,etc.
- L'achat,l'échange,la vente,les opérations de promotion,la prise en location et en sous-location,ainsi que la cession en location et en sous-location,le tout avec ou sans option d'achat,l'exploitation et l'entretien de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,terres et domaines,et de manière générale,de tous biens immobiliers,ainsi que toutes opérations de financement
- Elle pourra ériger toutes constructions pour son compte ou pour compte de tiers,en tant que maître de l'ouvrage ou entrepreneur général,et effectuer,éventuellement aux biens immobiliers,des transformations et mises en valeur ainsi que l'étude et l'aménagement de lotissements y compris la construction de routes et égouts;souscrire des engagements en tant que conseiller en construction (études de génie civil et des divers équipements techniques des immeubles);acheter tous matériaux,signer tous contrats d'entreprises qui seraient nécessaires;réaliser toutes opérations de change,commission et courtage,ainsi que la gérance d'immeubles
- Elle peut acheter,exploiter et construire tant pour elle-même que pour des tiers,par location ou autrement,tous parkings,garages
- La société peut effectuer toutes opérations commerciales,industrielles,immobilières,mobilières ou financières se rapportant ou se rattachant directement ou indirectement à son objet ou susceptibles d'en favoriser la réalisation mobilières ou financières qui se rapportent ou se rattachent directement ou indirectement à son objet ou qui sont de nature à en favoriser la réalisation de celui-ci
- Elle dispose,d’une manière générale,d’une pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet ou qui seraient de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet
- Elle peut s'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
- Elle peut exercer les fonctions d’administrateur ou liquidateur dans d’autres sociétés
- La société peut se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées,au sens le plus large
Invoicing and payment
Financial year and general meeting
Accounts at the NBBRecognitions · licences · registrations
Food safety, FASFC
1 siteSites & property
This address was not found in the Belgian address register (BOSA BEST).
Vinâve des Stréats(VER) 974537 VerlaineBuildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92021F0236/00F000 | Wallonia | 960 m² | 1 · 134 m² | 8.8 m · 2 |