DD Retail

Active

Private limited companyfounded 20233 yrs activeStaatsbaan 82, 8610 Kortemark, BelgiumKBO/BCE: BE 0805.959.736

Summary

The computed 12-month bankruptcy probability of DD Retail is 2.2% (moderate). The 2025 annual accounts show equity of €164k and a net result of €-9k. Its solvency ranks better than 19% of 10359 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

47 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability47▼-28

Solvency34▼-1

Growth32

Track record94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity tight (current ratio 1.06 against 1.05 in 2024; short-term debt: 47.3% and cash: 16.6% of total assets), and 90.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 10359 sector peers (2025).

NBB · sector comparison

Position among 10359 sector peers

Solvency

better than 19%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

27 d late

2024

21 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€164k▼ 5.3%

2024 · €173k

2024: €173k

2024 → 2025

Total assets

€1.80M▲ 0.3%

2024 · €1.80M

2024: €1.80M

2024 → 2025

Net result

€-9k

2024 · €123k

2024: €123k

2024 → 2025

Working capital

€54k▲ 54.3%

2024 · €35k

2024: €35k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€173k-€164k▼ 5.3%

Operating result€216k-€29k▼ 86.5%

Net result€123k-€-9k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 87% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.80M

49.7%

50.3%

Fixed assets €897k ▼ 10.5%

Current assets €907k ▲ 14.0%

Equity and liabilities €1.80M

90.9%

Equity €164k ▼ 5.3%

Debt €1.64M ▲ 0.9%

Debt's share of the balance-sheet total rises from 90.4% to 90.9%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€148k▼

2024 · €340k

Cash flow

€110k▼

2024 · €247k

Current ratio

1.06▲

2024 · 1.05

Quick ratio

0.68▼

2024 · 0.72

Debt to equity

9.99▲

2024 · 9.37

ROE

-5.6%▼

2024 · 71.2%

ROA

-0.5%▼

2024 · 6.9%

Interest coverage

3.47▼

2024 · 5.74

Debt ≤ 1 year

€853k▲

2024 · €760k

Debt > 1 year

€784k▼

2024 · €864k

Income taxes

€2k▼

2024 · €36k

Staff costs

€356k▲

2024 · €302k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines

Balance sheet Code20242025

Assets

Total assets20/58€1.80M€1.80M▲

Fixed assets21/28€1.00M€897k▼

Intangible fixed assets21€159k€141k▼

Tangible fixed assets22/27€844k€756k▼

Plant, machinery and equipment23€814k€731k▼

Furniture and vehicles24€30k€25k▼

Current assets29/58€795k€907k▲

Stocks and contracts in progress3€251k€330k▲

Stocks30/36€251k€330k▲

Amounts receivable within one year40/41€60k€97k▲

Trade receivables40€29k€55k▲

Other amounts receivable41€31k€42k▲

Current investments50/53€125k€175k▲

Cash at bank and in hand54/58€356k€300k▼

Deferred charges and accrued income490/1€3k€5k▲

Equity and liabilities

Total equity and liabilities10/49€1.80M€1.80M▲

Equity10/15€173k€164k▼

Contributions10/11€50k€50k=

Profit (loss) carried forward14€123k€114k▼

Amounts payable17/49€1.62M€1.64M▲

Amounts payable after more than one year17€864k€784k▼

Financial debts170/4€864k€784k▼

Amounts payable within one year42/48€760k€853k▲

Current portion of amounts payable after more than one year42€83k€86k▲

Trade debts44€546k€614k▲

Suppliers440/4€546k€614k▲

Taxes, remuneration and social security45€105k€127k▲

Taxes450/3€45k€48k▲

Remuneration and social security454/9€60k€79k▲

Other amounts payable47/48€25k€25k▼

Accrued charges and deferred income492/3€874€3k▲

Income statement Code20242025

Remuneration, social security and pensions62€302k€356k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€119k▼

Other operating charges640/8€3k€5k▲

Gross operating margin9900€645k€509k▼

Operating profit (loss)9901€216k€29k▼

Financial income75/76B€3k€6k▲

Recurring financial income75€3k€6k▲

Financial charges65/66B€59k€43k▼

Recurring financial charges65€59k€43k▼

Profit (loss) for the period before taxes9903€160k€-8k▼

Income taxes67/77€36k€2k▼

Profit (loss) for the period9904€123k€-9k▼

Profit (loss) for the period to be appropriated9905€123k€-9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€123k€114k▼

Profit (loss) brought forward from the previous period14P-€123k

Social balance

Average headcount (FTE)90877.08.6▲

The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 27 days late

2025

10-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Kortemark · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Staatsbaan 828610 Kortemark

Ground area

6,403 m²

Building footprint

670 m²

Volume, LiDAR

809 m³

Parcel 32005D0010/00B004, Flanders · tallest building 8.4 m. Linked by address, not a title deed.

1 establishment unit

Spar Handzame

Staatsbaan 82, 8610 KortemarkRetail trade

since 20232.350.030.975

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
32005D0010/00B004	Flanders	6,403 m²	1 · 670 m²	8.3 m

Linked by address, not proof of ownership

Methodology

via registered seat: 1

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 site · 1 with a smiley

Kortemark2.350.030.975

4 permissions · smiley 2028NL00091 valid until 21-04-2028

Toelating · Viswinkel · since 18-11-2024

Toelating · Bakkerij · since 01-12-2023

Toelating · Detailhandel · since 01-12-2023

and 1 more

Similar companies · same sector, comparable size

FRELIJA

BE 0606.970.372

Bredene · Eq €164,114

nec +

BE 0448.215.125

Overijse · Eq €164,220

RS Astrid 27

BE 0544.849.394

Antwerpen · Eq €164,325

Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,387 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-09-2023

Fiscal year end31-12

Activities, NACEBEL 2025

47110Non-specialised retail sale with food, beverages or tobacco predominating

47120Other non-specialised retail sale

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.