D³-Mobile · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of D³-Mobile is 1.9% (moderate). The 2024 annual accounts show equity of €34k and a net result of €5k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 30% of 6722 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 28 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	30-06-2025	31 d early	2025-00195151
31-12-2023	31-07-2024	28-06-2024	33 d early	2024-00175853
31-12-2022	31-07-2023	30-06-2023	31 d early	2023-00178017
31-12-2021	31-07-2022	10-07-2022	21 d early	2022-20167108

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.9% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€5k

Working capital€27k+7.1%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~17.2%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	2.6%	20.4%	better than 30% of 6722 sector peers
Net result	€5k	€4k	better than 53% of 6703 sector peers
Equity	€34k	€16k	better than 64% of 6737 sector peers
Gross operating margin	€37k	€24k	better than 59% of 6682 sector peers
Total assets	€1.32M	€94k	better than 95% of 6726 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P30

Stable position over 2021-2024 · n=2693-6722

Net result P53

Weakening position over 2021-2024 · n=2684-6703

Equity P64

Stable position over 2021-2024 · n=2697-6737

Gross operating margin P59

Stable position over 2021-2024 · n=2670-6682

Describes the position versus peers, not a forecast.

EBITDA

€36k

+1259.0% 21-24

Net profit

€5k

- 21-24

Cash flow

€8k

- 21-24

Total assets

€1.32M

+98.8% 21-24

Equity

€34k

+17.6% 21-24

Working capital

€27k

+7.1% 21-24

Income taxes

€0

-100.0% 21-24

Debt

€1.28M

+102.6% 21-24

Show 8 other metrics

Debt ≤ 1y

€1.28M

+104.6% 21-24

Current ratio

1.02

-1.8% 21-24

Quick ratio

0.25

-4.1% 21-24

Solvency

2.6%

-40.8% 21-24

Debt / equity

37.31

+72.2% 21-24

ROE

15.0%

- 21-24

ROA

0.4%

- 21-24

Interest coverage

1.30

+366.0% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€36k
Net profit	€5k
Cash flow	€8k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€1.32M
Equity	€34k
Debt	€1.28M
of which ≤ 1y	€1.28M
of which > 1y	-
Working capital	€27k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.02
Quick ratio	0.25
Working capital ratio	2.1%
Solvency	2.6%
Debt / equity	37.31
Long-term debt ratio	-
Interest coverage	1.30
Gross margin	-
Net margin	-
ROA	0.4%
ROE	15.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €7k · 0.6% Current assets €1.31M · 99.5%

Equity & liabilities

Equity €34k · 2.6% Debt €1.28M · 97.4%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.32M
Fixed assets	21/28	€7k
Tangible fixed assets	22/27	€7k
Current assets	29/58	€1.31M
Stocks & contracts in progress	3	€982k
Amounts receivable within one year	40/41	€104k
Cash & bank	54/58	€216k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.32M
Equity	10/15	€34k
Contributions / capital	10/11	€15k
Reserves	13	€22k
Accumulated profits (losses)	14	€-3k
Amounts payable	17/49	€1.28M
Amounts payable within one year	42/48	€1.28M
Trade debts payable within one year	44	€92k
Income statement
Gross operating margin	9900	€37k
Operating result	9901	€33k
Financial income	75	€0
Financial charges	65	€28k
Result before taxes	9903	€5k
Net result for the period	9904	€5k
Result to be appropriated	9905	€5k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

48 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

no sitting director

Former directors (1)

Diericx Bart
Director
State Gazette act 22109461 (14-09-2022)

Former
- → 14-09-2022

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)(47811)
Legal form	Private limited company(610)
Incorporation	24-12-2020
Status	Active
Postal code	9190

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Bettestraat (STE) 259190 Stekene

Establishment units

1 location

D³-Mobile

Bettestraat (STE) 25, 9190 StekeneHandelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)

since 20202.311.980.845

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area2,717 m²

Buildings1

Building footprint761 m²

Volume (LiDAR)3,185 m³

Tallest building6.3 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)