Equity
€74,241 from €234,542 in 2010
Equity fell by 68% in 15 years.
DALFI
Lifetime
17 annual accounts with figures on one time axis, 18 filings since 2008peak €26,892 (2023)
€22,178▲ 106%
lowest -€50,272 (2011)
-€2,864▲ €8,439
peak €234,542 (2010)
€74,241▼ 3.7%
€63,309▲ 16.2%
Board2 names since 2021
1 directorDenis Bosson
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €10,752 to €22,178Loss of €2,864Debts from €54,470 to €63,309Investments €38,117Cash from €4,432 to €14,107
Key points
from the 2025 annual accountsLosses
-€14,167 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Turnover
≈ €85,000 estimated
The micro format states no turnover.
Investments
€34,247 2.1 × depreciation
Green is investment, beige is depreciation.
Filings
18 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Board
1 joined · 1 left
Board changed. Latest change 28-07-2026 · 1 in office.
Checked score
85
Excellent
Financially stronger than 56% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.6%▲ +0.2 percentage points vs 06-2025
08-2025: 0.8%▲ +0.2 percentage points vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.7%▼ -0.1 percentage points vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.8%▲ +0.1 percentage points vs 06-2026
08-2026: 1.1%▲ +0.3 percentage points vs 07-2026
09-2026: 1.1%● unchanged vs 08-2026highest value
10-2026: 0.4%▼ -0.7 percentage points vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
Loss of €2,864, the second in a row (financial year 2025)
lowers risk
Founded in 2008
Sector: Real estate activities (NACE 68)
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 68, micro). It does better than 67% of them on solvency, 68% on liquidity, 52% on profitability and 36% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as DALFI has now. Each dot stands for 18 companies, two years later.
90.8%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DALFI itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 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 6,908 companies, not a prediction for DALFI. 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.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.64 (0.75 in 2024), below 1. Short-term debt is 19.7% and cash 10.3% of total assets. 46% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,864
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
61 days late
2024
29 days late
2023
30 days late
2022
117 days late
2021
108 days late
2020
60 days late
2019
105 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 73 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Resignation: DENIS BOSSON (director)
Appointment: ISABELLE BARET (director) · Director discharge: DENIS BOSSON · General meeting of 23-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0806083262
Resignation: Isabelle Baret (director)
Appointment: Denis Bosson (director) · Isabelle Baret holds all the shares · General meeting of 05-05-2023 · Gazette deed
Resignation: Isabelle BARET (manager)
Reappointment: Isabelle BARET (director) · “Pour son propre compte:l’achat,la vente,l’échange,la prise en location et en sous-location,ainsi que la…” (deed in French) · General meeting of 13-04-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DALFI Theux | €137,551 | €22,178 | 54.0% | - |
| BOFITO Wuustwezel | €137,168 | €21,875 | -17.5% | - |
| HET WISSELHUIS Leuven | €152,623 | €25,699 | -35.5% | - |
| S REAL ESTATE Ghent | €121,331 | €19,577 | 97.1% | - |
| DéCO DAUW Wavre | €121,181 | €22,681 | 3.9% | - |
| IMMO LABEL Brussels | €140,926 | €16,889 | 66.7% | - |
| LA LUZERNE Schaerbeek | €142,120 | €31,275 | -55.5% | - |
These companies have the same main activity as DALFI: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €121,000 and €153,000, founded between 2007 and 2009.
Official details
Source: KBO- Status
- Active since 02-09-2008Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 7 others
- Establishment unit
- 2.174.392.1844910 Theux, since 24-11-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 01-09-2025
Insights on DALFI
DALFI files the micro format. That format states no turnover. The gross margin rose from €18,773 in 2009 to €22,178 in 2025.
The balance sheet grew most in 2011 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DALFI
- What is the company number of DALFI?
- The company number of DALFI is 0806.083.262. The VAT number is the same number with BE in front: BE 0806.083.262.
- Where is DALFI based?
- The registered office is at Rue de Tolifaz 40, 4910 Theux.Company details
- What does DALFI do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of DALFI?
- DALFI is a private limited company (BV).
- When was DALFI founded?
- DALFI was founded on 02-09-2008.
- Is DALFI still active?
- Yes, DALFI is an active enterprise in the KBO register.
- What is the turnover of DALFI?
- The turnover in financial year 2025 is ≈ €85,000. This figure is estimated from the gross margin of €22,178 and 30 comparable companies (NACE 68110). It probably lies between €46,000 and €220,000. It is a rough estimate.Financials
- Is DALFI profitable?
- In financial year 2025, DALFI made a loss of €2,864.
- Where can I find the annual accounts of DALFI?
- DALFI filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DALFI due?
- DALFI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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