DAT
ActiveSummary
The computed 12-month bankruptcy probability of DAT is 2.3% (moderate). The 2025 annual accounts show equity of €114,353 and a net result of €58,678. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 63% of 18537 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency74▲+31
Growth52▼-6
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 2.1 against 1.2 in 2024; short-term debt: 46.7% and cash: 40.4% of total assets), but 51% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
49%
Return on assets
25.2%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
31 d late
2023
16 d early
2022
65 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 22 days after 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 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
Equity
€114,353▲ 105%
2024 · €55,675
Total assets
€233,286▼ 25.2%
2024 · €312,079
Net result
€58,678▼ 47.7%
2024 · €112,211
Working capital
€119,678▲ 135%
2024 · €51,000
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
Operating result€78,585-€146,481▲ 86.4%€120,358▼ 17.8%€145,633▲ 21.0%€78,115▼ 46.4%
Net result€62,852above the sector's middle half-€114,395above the sector's middle half▲ 82.0%€98,982above the sector's middle half▼ 13.5%€112,211above the sector's middle half▲ 13.4%€58,678above the sector's middle half▼ 47.7%
Equity€67,852within the sector's middle half-€90,247within the sector's middle half▲ 33.0%€89,229within the sector's middle half▼ 1.1%€55,675within the sector's middle half▼ 37.6%€114,353within the sector's middle half▲ 105%
Total assets€97,977within the sector's middle half-€268,912within the sector's middle half▲ 174%€299,054within the sector's middle half▲ 11.2%€312,079within the sector's middle half▲ 4.4%€233,286within the sector's middle half▼ 25.2%
Debt€30,125-€178,665▲ 493%€209,825▲ 17.4%€256,403▲ 22.2%€108,933▼ 57.5%
Working capital€64,752-€85,572▲ 32.2%€84,554▼ 1.2%€51,000▼ 39.7%€119,678▲ 135%
Solvency69.3%above the sector's middle half-33.6%within the sector's middle half▼ 35.7pp29.8%within the sector's middle half▼ 3.7pp17.8%within the sector's middle half▼ 12.0pp49.0%within the sector's middle half▲ 31.2pp
Staff (FTE)2.63▲ 15.4%
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.
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 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233,286
Fixed assets
€4,675 =
Current assets
€228,611 ▼ 25.6%
Equity and liabilities €233,286
Equity
€114,353 ▲ 105%
Provisions
€10,000
Debt
€108,933 ▼ 57.5%
Debt's share of the balance-sheet total falls from 82.2% to 46.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
2.10▲
2024 · 1.20
Quick ratio
1.16▲
2024 · 0.65
Debt to equity
0.95▼
2024 · 4.61
ROE
51.3%▼
2024 · 201.5%
ROA
25.2%▼
2024 · 36.0%
Debt ≤ 1 year
€108,933▼
2024 · €256,403
Income taxes
€20,427▼
2024 · €34,147
Staff costs
€60,389▼
2024 · €62,511
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.3% 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 26,964 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €50,510 | €60,832 | €62,511 | €60,389 | ▼ 3.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €18,838 | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €10,000 | - |
| Other operating charges640/8 | €91 | €1,013 | €628 | €1,861 | €1,467 | ▼ 21.1% |
| Non-recurring operating charges66A | - | €220 | - | - | €140 | - |
| Gross operating margin9900 | €78,675 | €198,224 | €181,818 | €210,004 | €168,949 | ▼ 19.6% |
| Operating profit (loss)9901 | €78,585 | €146,481 | €120,358 | €145,633 | €78,115 | ▼ 46.4% |
| Financial income75/76B | €2 | €2,602 | €7,771 | €3,635 | €3,985 | ▲ 9.6% |
| Recurring financial income75 | €2 | €2,602 | €7,771 | €3,635 | €3,985 | ▲ 9.6% |
| Financial charges65/66B | €22 | €3,112 | €2,560 | €2,911 | €2,996 | ▲ 2.9% |
| Recurring financial charges65 | €22 | €3,112 | €2,560 | €2,911 | €2,996 | ▲ 2.9% |
| Profit (loss) for the period before taxes9903 | €78,565 | €145,972 | €125,569 | €146,358 | €79,104 | ▼ 46.0% |
| Income taxes67/77 | €15,713 | €31,577 | €26,587 | €34,147 | €20,427 | ▼ 40.2% |
| Profit (loss) for the period9904 | €62,852 | €114,395 | €98,982 | €112,211 | €58,678 | ▼ 47.7% |
| Profit (loss) for the period to be appropriated9905 | €62,852 | €114,395 | €98,982 | €112,211 | €58,678 | ▼ 47.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €97,977 | €268,912 | €299,054 | €312,079 | €233,286 | ▼ 25.2% |
| Fixed assets21/28 | €3,100 | €4,675 | €4,675 | €4,675 | €4,675 | = |
| Financial fixed assets28 | €3,100 | €4,675 | €4,675 | €4,675 | €4,675 | = |
| Current assets29/58 | €94,877 | €264,237 | €294,379 | €307,404 | €228,611 | ▼ 25.6% |
| Stocks and contracts in progress3 | €36,873 | €81,654 | €113,722 | €140,130 | €102,454 | ▼ 26.9% |
| Stocks30/36 | €36,873 | €81,654 | €113,722 | €140,130 | €102,454 | ▼ 26.9% |
| Amounts receivable within one year40/41 | €6,435 | €53,656 | €58,844 | €64,458 | €31,997 | ▼ 50.4% |
| Trade receivables40 | €6,435 | €1,656 | €5,344 | €6,458 | €11,997 | ▲ 85.8% |
| Other amounts receivable41 | - | €52,000 | €53,500 | €58,000 | €20,000 | ▼ 65.5% |
| Cash at bank and in hand54/58 | €48,919 | €125,727 | €118,263 | €101,016 | €94,160 | ▼ 6.8% |
| Deferred charges and accrued income490/1 | €2,650 | €3,200 | €3,550 | €1,800 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €97,977 | €268,912 | €299,054 | €312,079 | €233,286 | ▼ 25.2% |
| Equity10/15 | €67,852 | €90,247 | €89,229 | €55,675 | €114,353 | ▲ 105% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €62,852 | €85,247 | €84,229 | €50,675 | €109,353 | ▲ 116% |
| Provisions and deferred taxes16 | - | - | - | - | €10,000 | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €10,000 | - |
| Other liabilities and charges164/5 | - | - | - | - | €10,000 | - |
| Amounts payable17/49 | €30,125 | €178,665 | €209,825 | €256,403 | €108,933 | ▼ 57.5% |
| Amounts payable within one year42/48 | €30,125 | €178,665 | €209,825 | €256,403 | €108,933 | ▼ 57.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €18,363 | - |
| Trade debts44 | €996 | €6,187 | €10,406 | €5,268 | €8,689 | ▲ 64.9% |
| Suppliers440/4 | €996 | €6,187 | €10,406 | €5,268 | €8,689 | ▲ 64.9% |
| Taxes, remuneration and social security45 | €24,231 | €70,545 | €81,670 | €102,658 | €71,380 | ▼ 30.5% |
| Taxes450/3 | €24,231 | €60,404 | €66,773 | €89,868 | €58,650 | ▼ 34.7% |
| Remuneration and social security454/9 | - | €10,141 | €14,897 | €12,790 | €12,730 | ▼ 0.5% |
| Other amounts payable47/48 | €4,898 | €101,933 | €117,748 | €148,477 | €10,500 | ▼ 92.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €62,852 | €114,395 | €98,982 | €112,211 | €58,678 | ▼ 47.7% |
| Operating cash flow (approximation) | €62,852 | €114,395 | €98,982 | €112,211 | €58,678 | ▼ 47.7% |
| Investment in fixed assets (approximation) | - | -€1,575 | €0 | €0 | €0 | - |
| Change in cash | - | €76,807 | -€7,463 | -€17,248 | -€6,856 | ▲ 60.3% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €58,678 ▼47.7%
Net result drops to €58,678, the lowest in the series.
31-12
Financial
Equity above €100,000Eq €114,353 ▲105%
5 profitable years in a row build equity to €114,353.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Highest result since 2021net €114,395 ▲82%
Operating result €146,481, net result €114,395, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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.
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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, Namur · 2 establishment units since 2021
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.
Av. du Bourg. Jean Materne(JB) 915100 Namur2 establishment units
DAT
since 20212.318.628.513
Outlet Dress
since 20212.343.790.214
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BE 0801.301.261
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Of 6,495 companies in sector 47716 we hold annual accounts for 2,440. 1,896 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
Founded20-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Contact
E-mail
Christelle.denayer@icould.com
Phone
+32496803198
E-invoicing
Reachable via Peppol
Peppol ID
0208:0768608895
Registered
19-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.