D & M
ActiveSummary
D & M has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129,599 and a net result of €3,101. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability54▲+5
Solvency95▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 5.39 against 15.05 in 2024; short-term debt: 13.9% and cash: 32.8% of total assets), and 29.6% of the assets are financed with debt.
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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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.4%
Return on assets
1.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d early
2023
1 d early
2022
5 d early
2021
9 d late
2020
3 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 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€129,599▲ 2.5%
2024 · €126,499
Total assets
€184,074▲ 24.2%
2024 · €148,223
Net result
€3,101▼ 53.0%
2024 · €6,594
Working capital
€112,632▼ 18.6%
2024 · €138,378
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€16,159▲ 519%€14,437▼ 10.7%€1,666▼ 88.5%€7,746▲ 365%€1,900▼ 75.5%
Net result€14,722▲ 152%€16,238▲ 10.3%€6,622▼ 59.2%€6,594▼ 0.4%€3,101▼ 53.0%
Equity€97,044▲ 17.9%€113,282▲ 16.7%€119,905▲ 5.8%€126,499▲ 5.5%€129,599▲ 2.5%
Total assets€110,654▲ 14.8%€123,638▲ 11.7%€204,490▲ 65.4%€148,223▼ 27.5%€184,074▲ 24.2%
Debt€13,609▼ 3.3%€10,355▼ 23.9%€84,585▲ 717%€21,725▼ 74.3%€54,474▲ 151%
Working capital€99,251▲ 16.8%€115,805▲ 16.7%€200,260▲ 72.9%€138,378▼ 30.9%€112,632▼ 18.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184,074
Fixed assets
€45,792
Current assets
€138,282
Equity and liabilities €184,074
Equity
€129,599 ▲ 2.5%
Debt
€54,474 ▲ 151%
Debt's share of the balance-sheet total rises from 14.7% to 29.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11,089
Cash flow
€12,289
Current ratio
5.39▼
2024 · 15.05
Quick ratio
4.97▼
2024 · 13.91
Debt to equity
0.42▲
2024 · 0.17
ROE
2.4%▼
2024 · 5.2%
ROA
1.7%▼
2024 · 4.4%
Interest coverage
3.92
Debt ≤ 1 year
€25,650▲
2024 · €9,846
Debt > 1 year
€18,340
Income taxes
€2,847▼
2024 · €6,508
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €9,188 | - |
| Other operating charges640/8 | - | €1,848 | €348 | €598 | €2,274 | ▲ 280% |
| Gross operating margin9900 | €16,534 | €16,284 | €2,014 | €8,345 | €13,363 | ▲ 60.1% |
| Operating profit (loss)9901 | €16,159 | €14,437 | €1,666 | €7,746 | €1,900 | ▼ 75.5% |
| Financial income75/76B | - | €2,899 | €6,703 | €6,137 | €6,877 | ▲ 12.1% |
| Recurring financial income75 | €405 | €2,899 | €6,703 | €6,137 | €6,877 | ▲ 12.1% |
| Financial charges65/66B | - | €1,098 | €749 | €781 | €2,830 | ▲ 262% |
| Recurring financial charges65 | €369 | €1,098 | €749 | €781 | €2,830 | ▲ 262% |
| Profit (loss) for the period before taxes9903 | €16,195 | €16,238 | €7,620 | €13,102 | €5,947 | ▼ 54.6% |
| Income taxes67/77 | €1,472 | - | €998 | €6,508 | €2,847 | ▼ 56.3% |
| Profit (loss) for the period9904 | €14,722 | €16,238 | €6,622 | €6,594 | €3,101 | ▼ 53.0% |
| Profit (loss) for the period to be appropriated9905 | €14,722 | €16,238 | €6,622 | €6,594 | €3,101 | ▼ 53.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €110,654 | €123,638 | €204,490 | €148,223 | €184,074 | ▲ 24.2% |
| Fixed assets21/28 | - | - | - | - | €45,792 | - |
| Tangible fixed assets22/27 | - | - | - | - | €45,792 | - |
| Furniture and vehicles24 | - | - | - | - | €45,792 | - |
| Current assets29/58 | €110,654 | €123,638 | €204,490 | €148,223 | €138,282 | ▼ 6.7% |
| Stocks and contracts in progress3 | €10,487 | €8,935 | €10,690 | €11,315 | €10,862 | ▼ 4.0% |
| Stocks30/36 | - | €8,935 | €10,690 | €11,315 | €10,862 | ▼ 4.0% |
| Amounts receivable within one year40/41 | €44,488 | €40,229 | €124,191 | €57,233 | €66,972 | ▲ 17.0% |
| Trade receivables40 | - | €1,210 | €1,210 | €1,210 | €3,022 | ▲ 150% |
| Other amounts receivable41 | - | €39,019 | €122,981 | €56,023 | €63,950 | ▲ 14.1% |
| Cash at bank and in hand54/58 | €55,679 | €74,473 | €69,609 | €79,229 | €60,448 | ▼ 23.7% |
| Deferred charges and accrued income490/1 | - | - | - | €447 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €110,654 | €123,638 | €204,490 | €148,223 | €184,074 | ▲ 24.2% |
| Equity10/15 | €97,044 | €113,282 | €119,905 | €126,499 | €129,599 | ▲ 2.5% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €30,851 | €30,851 | €30,851 | €37,445 | €40,546 | ▲ 8.3% |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | - | €28,851 | €28,851 | €35,445 | €38,546 | ▲ 8.7% |
| Profit (loss) carried forward14 | €46,193 | €62,432 | €69,054 | €69,054 | €69,054 | = |
| Amounts payable17/49 | €13,609 | €10,355 | €84,585 | €21,725 | €54,474 | ▲ 151% |
| Amounts payable after more than one year17 | - | - | - | - | €18,340 | - |
| Financial debts170/4 | - | - | - | - | €18,340 | - |
| Amounts payable within one year42/48 | €11,402 | €7,832 | €4,230 | €9,846 | €25,650 | ▲ 161% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €15,034 | - |
| Trade debts44 | €9,930 | €7,704 | €1,674 | €6,741 | €7,212 | ▲ 7.0% |
| Suppliers440/4 | - | €7,704 | €1,674 | €6,741 | €7,212 | ▲ 7.0% |
| Taxes, remuneration and social security45 | - | €128 | €2,556 | €3,105 | €3,404 | ▲ 9.6% |
| Taxes450/3 | - | €128 | €2,556 | €3,105 | €3,404 | ▲ 9.6% |
| Accrued charges and deferred income492/3 | - | €2,523 | €80,355 | €11,879 | €10,484 | ▼ 11.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,722 | €16,238 | €6,622 | €6,594 | €3,101 | ▼ 53.0% |
| + Depreciation and write-downs630 | - | - | - | - | €9,188 | - |
| Operating cash flow (approximation) | €14,722 | €16,238 | €6,622 | €6,594 | €12,289 | ▲ 86.4% |
| Change in cash | - | €18,795 | -€4,864 | €9,620 | -€18,781 | ▼ 295% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €3,101 ▼53%
Net result drops to €3,101, the lowest in the series.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity triplescurrent ratio 48.34
Current ratio from 15.79 to 48.34; short-term debt falls from €7,832 to €4,230.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €16,238 ▲10.3%
Net result €16,238, the highest in the series.
30-06
Financial
Equity above €100,000Eq €113,282 ▲16.7%
4 profitable years in a row build equity to €113,282.
09-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Kortenberg · 1 establishment unit since 2009
Ground area
525 m²
Building footprint
184 m²
Volume, LiDAR
1,077 m³
Parcel 24055B0189/00S005, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Leuvensesteenweg 230, 3070 Kortenberg
since 20092.182.426.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24055B0189/00S005 | Flanders | 524 m² | 1 · 184 m² | 11.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKortenberg2.182.426.358
Similar companies · same sector, comparable size
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LIFF
BE 0440.031.788
Nazareth-De Pinte · Eq €129,706
Hilltown
BE 0639.989.469
Boortmeerbeek · Eq €129,492
BAMYAN
BE 0730.782.063
Temse · Eq €129,443
Of 10,510 companies in sector 47110 we hold annual accounts for 5,850. 4,530 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded05-11-2002
Fiscal year end30-06
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47252Retail sale of beverages, general range
47260Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478712123
Also
9925:BE0478712123
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.