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D.G. & C°

Active
Public limited companyfounded 197947 yrs activeChaussée de Bruxelles 4/A, 1470 Genappe, BelgiumKBO/BCE: BE 0419.508.469
Summary

The computed 12-month bankruptcy probability of D.G. & C° is 2.1% (moderate). The 2024 annual accounts show equity of €743,146 and a net result of -€151,517. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 36% of 6544 sector peers (fiscal year 2024). The company has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
D.G. & C°ActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110Supermarkets NACE 47114Retail sale of hardware, building materials, paint and glass (general range) NACE 47521
#8 employer in Genappe, Wholesale and retail trade sector1 site
Size
€3.6mturnover 2024
Staff
9.6 FTE
Equity
€743,146
Loss
-€151,517
Financial health
53 Fair Checked score 2024
Bankruptcy chance 12 m
2.1%
Structure
Parent
ARGAYON · 100%
Accounts 64 d overdue0 of 15 deeds read
Why 53- Figures for FY 2024 (filed 24-10-2025)- Equity €743,146 (21.8% of total assets)- Loss of €151,517 (FY 2024)+ Founded in 1979Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 41% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Average
Solvency 47-3
equity 21.8% of total assets
Liquidity 63-5
short-term debt 4.5% · cash 10.2%
Profitability 32-28
return on assets -4.4%
Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%▼ -3.8% vs 01-2025 03-2025: 0.3%▲ +17.5% vs 02-2025 04-2025: 0.2%▼ -21.2% vs 03-2025 05-2025: 0.2%▲ +2.4% vs 04-2025 06-2025: 0.2%▼ -4.6% vs 05-2025lowest value 07-2025: 0.2%▲ +13.5% vs 06-2025 08-2025: 0.4%▲ +57.4% vs 07-2025 09-2025: 0.4%▲ +20.8% vs 08-2025 10-2025: 0.6%▲ +41.6% vs 09-2025 11-2025: 1.0%▲ +58.9% vs 10-2025 12-2025: 1.0%● 0.0% vs 11-2025 01-2026: 1.0%● 0.0% vs 12-2025 02-2026: 1.0%▼ -3.4% vs 01-2026 03-2026: 1.0%▼ -0.9% vs 02-2026 04-2026: 1.0%● 0.0% vs 03-2026 05-2026: 0.9%▼ -5.0% vs 04-2026 06-2026: 0.9%▲ +1.1% vs 05-2026 07-2026: 0.9%▼ -3.7% vs 06-2026 08-2026: 1.4%▲ +61.1% vs 07-2026 09-2026: 1.7%▲ +16.1% vs 08-2026 10-2026: 2.1%▲ +27.7% vs 09-2026highest value
  • Figures for FY 2024 (filed 24-10-2025) raises the probability
  • Founded in 1979 lowers the probability for this profile
  • Equity €743,146 (21.8% of total assets) raises the probability
  • Loss of €151,517 (FY 2024) raises the probability
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 12.12 against 4.85 in 2023; short-term debt: 4.5% and cash: 10.2% of total assets), but 78.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 37%, liquidity 69%, profitability 25%, growth against the median 30%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 24-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1979
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Equity €743,146 (21.8% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €151,517 (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-10-2025, 77 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
77 d late
2023
82 d late
2022
134 d late
2021
135 d late
2020
107 d late
2019
100 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 106 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · full…
  2. Weakest financial yearnet -€151,517
  3. Liquidity triplescurrent ratio 12.12

Key points

  • Caution: From profit to loss in 2024after €64,650 in 2023 -€151,517 View
  • Caution: Among the weakest 8% on net resultsector median €31,849 · 6,545 companies -€151,517 View
  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Controlled by ARGAYONknown shareholders 100% 100% View
  • Active since 1979founded 26-04-1979 47 years View

By topic

Financials

Fiscal year
2024
Turnover
€3.6m
Loss
-€151,517
Solvency
21.8%
Turnover▼ 3.3%
Net result
20182024
Go to Financials

Timeline

Events
16
Since
2016
  1. 16-10-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 31-12-2024Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Non-specialised retail sale with food, beverages or tobacco…NACE 47110
Founded
26-04-1979
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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