Skip to content

d'ici

Active
Cooperative companyfounded 201214 yrs activeChaussée de Marche(NN) 940, 5100 Namur, BelgiumKBO/BCE: BE 0846.982.620
Summary

d'ici has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.5m and a net result of €99,072. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 6545 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).

Overview

Activity
Other retail sale of food
NACE 47279NACE 47299
1 site
Size
€2.6mtotal assets 2024
Staff
14.5 FTE
Equity
€1.5m
Profit
€99,072
Financial health
57 Fair Checked score 2024
Bankruptcy chance 12 m
1.3%
Structure
Holdings
1
Accounts 63 d overdue0 of 9 deeds read
Why 57Capped at 59: a confirmed filing finding- Figures for FY 2024 (filed 16-12-2025)- 1 financial year not filed after the legal deadline; latest accounts 138 days late; 1 of the last 3 late+ Liquidity: current ratio 1.79, cash €963,389+ Founded in 2012Show the evidence

Checked score

Score 2024
57 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 73% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
A confirmed filing finding caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 84-7
equity 58.7% of total assets
Liquidity 77+9
short-term debt 40.2% · cash 37.0%
Profitability 74+4
return on assets 3.8%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,670 companies)
Last 5 months 06-2026: 0.4%lowest value 07-2026: 0.5%▲ +13.4% vs 06-2026 08-2026: 0.8%▲ +61.5% vs 07-2026 09-2026: 0.9%▲ +15.3% vs 08-2026 10-2026: 1.3%▲ +44.6% vs 09-2026highest value
  • Figures for FY 2024 (filed 16-12-2025) raises the probability
  • 1 financial year not filed after the legal deadline; latest accounts 138 days late; 1 of the last 3 late raises the probability
  • Liquidity: current ratio 1.79, cash €963,389 lowers the probability
  • Founded in 2012 lowers the probability for this profile
Credit up to €85,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.79 against 2.01 in 2023; short-term debt: 40.2% and cash: 37% of total assets), and 41.3% 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, small). Better than this share of them on solvency 79%, liquidity 93%, profitability 63%, growth against the median 55%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Figures for FY 2024 (filed 16-12-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 138 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Liquidity: current ratio 1.79, cash €963,389
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2012
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-12-2025, 138 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
138 d late
2023
26 d late
2022
21 d early
2021
26 d late
2020
64 d early
2019
1 d early
← 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 17 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. Annual accounts filedfiscal year 2023 · full…
  3. Back to profitnet €24,272

Key points

  • Positive: Result rose in 2024from €24,272 to €99,072 ▲ 308% View
  • Caution: Accounts not fileddeadline was 31-07-2026 63 d late View
  • Positive: Among the best 17% on equitysector median €300,627 · 6,547 companies €1.5m View

By topic

Financials

Fiscal year
2024
Total assets
€2.6m
Profit
€99,072
Solvency
58.7%
Total assets▲ 18.1%
Net result
20182024
Go to Financials

Timeline

Events
14
Since
2016
  1. 16-12-2025Annual accounts filed
  2. 26-08-2024Annual accounts filed
  3. 31-12-2023Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Cooperative company
Activity
Other retail sale of foodNACE 47279
Founded
29-06-2012
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.