DARYA
ActiveSummary
DARYA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75,678 and a net result of €5,844. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 94% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▼-2
Solvency100=
Growth43=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 8.24 against 4.7 in 2024; short-term debt: 10.5% and cash: 30.7% of total assets), and 10.5% of the assets are financed with debt.
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○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
89.5%
Return on assets
6.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
43 d early
2023
29 d late
2022
7 d early
2021
4 d late
2020
26 d late
2019
1 d late
← 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 on the deadline day; 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€315,933▲ 0.6%
2024 · €313,977
EBIT margin
2.4%▼ 0.4pp
2024 · 2.8%
Net result
€5,844▼ 32.4%
2024 · €8,651
Working capital
€64,471▲ 10.9%
2024 · €58,159
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€309,484▼ 16.0%€356,617▲ 15.2%€343,322▼ 3.7%€313,977▼ 8.5%€315,933▲ 0.6%
Operating result€7,181▼ 5.2%€6,590▼ 8.2%€10,896▲ 65.3%€8,874▼ 18.6%€7,520▼ 15.3%
Net result€4,645within the sector's middle half▼ 6.4%€5,314within the sector's middle half▲ 14.4%€8,030within the sector's middle half▲ 51.1%€8,651within the sector's middle half▲ 7.7%€5,844within the sector's middle half▼ 32.4%
EBIT margin2.3%▲ 0.3pp1.8%▼ 0.5pp3.2%▲ 1.3pp2.8%▼ 0.3pp2.4%▼ 0.4pp
Equity€47,839within the sector's middle half▲ 10.8%€53,153within the sector's middle half▲ 11.1%€61,183within the sector's middle half▲ 15.1%€69,834within the sector's middle half▲ 14.1%€75,678within the sector's middle half▲ 8.4%
Total assets€67,107within the sector's middle half▲ 11.6%€62,522within the sector's middle half▼ 6.8%€87,022within the sector's middle half▲ 39.2%€90,055within the sector's middle half▲ 3.5%€84,579within the sector's middle half▼ 6.1%
Debt€19,268▲ 13.9%€9,369▼ 51.4%€25,839▲ 176%€20,221▼ 21.7%€8,901▼ 56.0%
Working capital€45,896▲ 13.7%€52,090▲ 13.5%€54,844▲ 5.3%€58,159▲ 6.0%€64,471▲ 10.9%
Solvency71.3%above the sector's middle half▼ 0.6pp85.0%above the sector's middle half▲ 13.7pp70.3%above the sector's middle half▼ 14.7pp77.5%above the sector's middle half▲ 7.2pp89.5%above the sector's middle half▲ 11.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84,579
Fixed assets
€11,207 ▼ 30.7%
Current assets
€73,372 ▼ 0.7%
Equity and liabilities €84,579
Equity
€75,678 ▲ 8.4%
Debt
€8,901 ▼ 56.0%
Debt's share of the balance-sheet total falls from 22.5% to 10.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12,484▼
2024 · €13,559
Cash flow
€10,808▼
2024 · €13,336
Current ratio
8.24▲
2024 · 4.70
Quick ratio
2.92▼
2024 · 3.02
Debt to equity
0.12▼
2024 · 0.29
ROE
7.7%▼
2024 · 12.4%
ROA
6.9%▼
2024 · 9.6%
Interest coverage
58.07▼
2024 · 60.80
Debt ≤ 1 year
€8,901▼
2024 · €15,725
Income taxes
€1,461
Staff costs
€28,888=
2024 · €28,885
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 34,672 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €309,484 | €356,617 | €343,322 | €313,977 | €315,933 | ▲ 0.6% |
| Goods, raw materials, services and sundry goods60/61 | €270,263 | €317,922 | €325,939 | €270,359 | €273,151 | ▲ 1.0% |
| Remuneration, social security and pensions62 | €30,183 | €30,183 | - | €28,885 | €28,888 | = |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €880 | €880 | €3,671 | €4,685 | €4,964 | ▲ 6.0% |
| Other operating charges640/8 | €1,108 | €1,042 | €2,816 | €1,174 | €1,410 | ▲ 20.1% |
| Gross operating margin9900 | €39,352 | €38,695 | €17,383 | €43,618 | €42,782 | ▼ 1.9% |
| Operating profit (loss)9901 | €7,181 | €6,590 | €10,896 | €8,874 | €7,520 | ▼ 15.3% |
| Financial charges65/66B | €319 | -€650 | €983 | €223 | €215 | ▼ 3.6% |
| Recurring financial charges65 | €319 | -€650 | €983 | €223 | €215 | ▼ 3.6% |
| Profit (loss) for the period before taxes9903 | €6,862 | €7,240 | €9,913 | €8,651 | €7,305 | ▼ 15.6% |
| Income taxes67/77 | €2,217 | €1,926 | €1,883 | - | €1,461 | - |
| Profit (loss) for the period9904 | €4,645 | €5,314 | €8,030 | €8,651 | €5,844 | ▼ 32.4% |
| Profit (loss) for the period to be appropriated9905 | €4,645 | €5,314 | €8,030 | €8,651 | €5,844 | ▼ 32.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67,107 | €62,522 | €87,022 | €90,055 | €84,579 | ▼ 6.1% |
| Fixed assets21/28 | €1,943 | €1,063 | €15,222 | €16,171 | €11,207 | ▼ 30.7% |
| Tangible fixed assets22/27 | €1,943 | €1,063 | €15,222 | €16,171 | €11,207 | ▼ 30.7% |
| Plant, machinery and equipment23 | - | - | - | €1,588 | €933 | ▼ 41.2% |
| Furniture and vehicles24 | €1,943 | €1,063 | €15,222 | €14,583 | €10,274 | ▼ 29.5% |
| Current assets29/58 | €65,164 | €61,459 | €71,800 | €73,884 | €73,372 | ▼ 0.7% |
| Stocks and contracts in progress3 | €9,408 | €22,665 | €23,820 | €26,384 | €47,391 | ▲ 79.6% |
| Stocks30/36 | €9,408 | €22,665 | €23,820 | €26,384 | €47,391 | ▲ 79.6% |
| Amounts receivable within one year40/41 | - | €584 | €982 | €335 | - | - |
| Other amounts receivable41 | - | €584 | €982 | €335 | - | - |
| Cash at bank and in hand54/58 | €55,756 | €38,210 | €46,998 | €47,165 | €25,981 | ▼ 44.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67,107 | €62,522 | €87,022 | €90,055 | €84,579 | ▼ 6.1% |
| Equity10/15 | €47,839 | €53,153 | €61,183 | €69,834 | €75,678 | ▲ 8.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | €6,200 | - | - | - |
| Issued capital100 | €18,600 | €18,600 | €18,600 | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | €12,400 | - | - | - |
| Outside capital11 | - | - | - | €6,200 | - | - |
| Other1109/19 | - | - | - | €6,200 | - | - |
| Reserves13 | €3,119 | €3,481 | €3,977 | €3,977 | €3,977 | = |
| Non-distributable reserves130/1 | €3,119 | €3,481 | €3,977 | €3,977 | €3,977 | = |
| Legal reserve130 | €3,119 | €3,481 | €3,977 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €3,977 | €3,977 | = |
| Profit (loss) carried forward14 | €38,520 | €43,472 | €51,006 | €59,657 | €65,501 | ▲ 9.8% |
| Amounts payable17/49 | €19,268 | €9,369 | €25,839 | €20,221 | €8,901 | ▼ 56.0% |
| Amounts payable after more than one year17 | - | - | €8,883 | €4,496 | - | - |
| Financial debts170/4 | - | - | €8,883 | €4,496 | - | - |
| Amounts payable within one year42/48 | €19,268 | €9,369 | €16,956 | €15,725 | €8,901 | ▼ 43.4% |
| Trade debts44 | €9,051 | €1,745 | €10,339 | €6,997 | €1,972 | ▼ 71.8% |
| Suppliers440/4 | €9,051 | €1,745 | €10,339 | €6,997 | €1,972 | ▼ 71.8% |
| Taxes, remuneration and social security45 | €10,217 | €7,624 | €6,419 | €7,989 | €4,664 | ▼ 41.6% |
| Taxes450/3 | €7,817 | €7,624 | €6,419 | €6,089 | €2,764 | ▼ 54.6% |
| Remuneration and social security454/9 | €2,400 | - | - | €1,900 | €1,900 | = |
| Other amounts payable47/48 | - | - | €198 | €739 | €2,265 | ▲ 206% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,645 | €5,314 | €8,030 | €8,651 | €5,844 | ▼ 32.4% |
| + Depreciation and write-downs630 | €880 | €880 | €3,671 | €4,685 | €4,964 | ▲ 6.0% |
| Operating cash flow (approximation) | €5,525 | €6,194 | €11,701 | €13,336 | €10,808 | ▼ 19.0% |
| Investment in fixed assets (approximation) | - | €0 | -€17,830 | -€5,634 | €0 | ▲ 100% |
| Change in cash | - | -€17,546 | €8,788 | €167 | -€21,184 | ▼ 12,785% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
01-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 1 day late
2019
31-12
Financial
Weakest financial yearnet €2,827 ▼82.4%
Net result drops to €2,827, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 7 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Schaarbeek · 1 establishment unit since 2009
Ground area
115 m²
Building footprint
115 m²
Volume, LiDAR
1,772 m³
Parcel 21904B0478/00H002, Brussels · tallest building 19.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
DARYA
since 20092.184.278.266
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0478/00H002 | Brussels | 115 m² | 1 · 115 m² | 19.0 m · 6 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 siteSchaarbeek2.184.278.266
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 4,676 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
Founded13-02-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0809799550
Also
9925:BE0809799550
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.