Active BE 0798.189.145Private limited company

DCTEAM-Bike

Chaussée de Marche(NN) 645 ·5100 Namur, Belgium· 3 yrs active

Sector: Detailhandel in fietsen (47632)

Conclusion Checked

The computed 12-month bankruptcy probability of DCTEAM-Bike is 3.6% (moderate). The 2024 annual accounts show negative equity (€-23k) and a net result of €-34k. Its solvency ranks better than 25% of 6717 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€-23k
Net result	€-34k
Better than sector	25%
Active	3 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

61 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 35

Profitability 100

Solvency 46

Growth 32

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

3.6% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2023, 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 Flags0 events

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.

Health barometer FY 2024 · computed

35 / 100 Weak

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.

Financial overview2 NBB filings

Annual accounts filed on 06-10-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

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	-4.5%	20.4%	better than 25% of 6717 sector peers
Net result	€-34k	€4k	better than 8% of 6698 sector peers
Equity	€-23k	€16k	better than 12% of 6732 sector peers
Gross operating margin	€81k	€24k	better than 77% of 6677 sector peers
Staff costs	€57k	€33k	higher than 67% of 3046 sector peers

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

EBITDA

€21k

-55.3% 23-24

Net profit

€-34k

- 23-24

Cash flow

€10k

-77.8% 23-24

Total assets

€500k

-24.0% 23-24

Equity

€-23k

- 23-24

Working capital

€29k

-50.8% 23-24

Employees (FTE)

1

- 23-24

Staff costs

€57k

+124.2% 23-24

Show 11 other metrics

Income taxes

€250

- 23-24

Debt

€523k

-19.2% 23-24

Debt ≤ 1y

€410k

-17.4% 23-24

Debt > 1y

€113k

-25.4% 23-24

Current ratio

1.07

-4.3% 23-24

Quick ratio

0.07

-45.0% 23-24

Solvency

-4.5%

- 23-24

Debt / equity

-23.01

- 23-24

ROE

147.9%

+1715.6% 23-24

ROA

-6.7%

- 23-24

Interest coverage

1.72

-80.7% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€21k
Net profit	€-34k
Cash flow	€10k
Staff costs	€57k
Income taxes	-
Dividends	-
Total assets	€500k
Equity	€-23k
Debt	€523k
of which ≤ 1y	€410k
of which > 1y	€113k
Working capital	€29k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.07
Quick ratio	0.07
Working capital ratio	5.8%
Solvency	-4.5%
Debt / equity	-23.01
Long-term debt ratio	-4.98
Interest coverage	1.72
Gross margin	-
Net margin	-
ROA	-6.7%
ROE	147.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €61k · 12.3% Current assets €439k · 87.7%

Full annual accounts (24 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	€500k
Fixed assets	21/28	€61k
Intangible fixed assets	21	€60k
Tangible fixed assets	22/27	€954
Financial fixed assets	28	€348
Current assets	29/58	€439k
Stocks & contracts in progress	3	€412k
Amounts receivable within one year	40/41	€8k
Cash & bank	54/58	€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€500k
Equity	10/15	€-23k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€-33k
Amounts payable	17/49	€523k
Amounts payable after one year	17	€113k
Amounts payable within one year	42/48	€410k
Trade debts payable within one year	44	€91k
Income statement
Gross operating margin	9900	€81k
Operating result	9901	€-22k
Financial income	75	€935
Financial charges	65	€12k
Result before taxes	9903	€-34k
Net result for the period	9904	€-34k
Result to be appropriated	9905	€-34k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Detailhandel in fietsen(47632)
Legal form	Private limited company(610)
Incorporation	07-02-2023
Status	Active
Postal code	5100

Establishment units 1 location

DCTEAM-Bike

Chaussée de Marche(JB) 645, 5100 NamurDetailhandel in spellen en speelgoed

since 20232.342.321.356

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

Real-estate footprint Source: CBE × cadastre

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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92136A0143/00H004	Wallonia	1,732 m²	1 · 374 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

06-10-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

07-10-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Detailhandel in fietsen47632Detailhandel in fietsen in gespecialiseerde winkels47785Reparatie van andere consumentenartikelen95290Reparatie en onderhoud van consumentenartikelen, neg95290

Primary activity highlighted.

Names & trade names

Legal nameFR

DCTEAM-Bike

Registered office

Chaussée de Marche(NN) 645

5100 Namur, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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