DDS RETAIL
ActiveSummary
The annual accounts of DDS RETAIL for fiscal year 2025 show a net loss of 68% of the equity at the start of that year. The 2025 annual accounts show equity of €16,948 and a net result of -€36,377. Equity is shrinking by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 7814 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability1▼-2
Solvency44▼-23
Growth24▼-4
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.02 against 1.44 in 2024; short-term debt: 81.1% and cash: 0% of total assets), and 81.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.9%
Return on assets
-40.5%
Age of the figures
9 mo
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
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 -€36,377
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
62 d early
2023
26 d early
2022
38 d early
2021
37 d early
2020
42 d early
2019
31 d early
← 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 39 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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
€470,766▼ 24.6%
2024 · €624,478
EBIT margin
-6.2%▼ 2.5pp
2024 · -3.7%
Net result
-€36,377▼ 6.8%
2024 · -€34,053
Working capital
€1,697▼ 94.9%
2024 · €33,059
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€921,399▲ 20.2%€705,909▼ 23.4%€767,913▲ 8.8%€624,478▼ 18.7%€470,766▼ 24.6%
Operating result€38,804▲ 135%€30,881▼ 20.4%-€68,876-€23,175▲ 66.4%-€29,348▼ 26.6%
Net result€13,002▲ 889%€8,401▼ 35.4%-€80,345-€34,053▲ 57.6%-€36,377▼ 6.8%
EBIT margin4.2%▲ 2.1pp4.4%▲ 0.2pp-9.0%▼ 13.3pp-3.7%▲ 5.3pp-6.2%▼ 2.5pp
Equity€159,322▲ 8.9%€167,723▲ 5.3%€87,378▼ 47.9%€53,325▼ 39.0%€16,948▼ 68.2%
Total assets€359,128▼ 1.9%€334,714▼ 6.8%€175,703▼ 47.5%€128,486▼ 26.9%€89,874▼ 30.1%
Debt€199,806▼ 9.0%€166,990▼ 16.4%€88,325▼ 47.1%€75,161▼ 14.9%€72,926▼ 3.0%
Working capital€146,791▲ 12.2%€155,814▲ 6.1%€73,734▼ 52.7%€33,059▼ 55.2%€1,697▼ 94.9%
Staff (FTE)17.1▲ 134%13.9▼ 18.7%11.2▼ 19.4%11.2=10.4▼ 7.1%
Why a figure moved sharply
- 2021 Staff (FTE) +134% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29,348 in 2025 against €23,175 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89,874
Fixed assets
€15,251 ▼ 25.1%
Current assets
€74,622 ▼ 31.0%
Equity and liabilities €89,874
Equity
€16,948 ▼ 68.2%
Debt
€72,926 ▼ 3.0%
Debt's share of the balance-sheet total rises from 58.5% to 81.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€20,720▼
2024 · -€14,870
Cash flow
-€27,749▼
2024 · -€25,747
Current ratio
1.02▼
2024 · 1.44
Debt to equity
4.30▲
2024 · 1.41
ROE
-214.6%▼
2024 · -63.9%
ROA
-40.5%▼
2024 · -26.5%
Interest coverage
-2.71▼
2024 · -1.15
Debt ≤ 1 year
€72,926▼
2024 · €75,069
Income taxes
€220▼
2024 · €342
Staff costs
€321,624▼
2024 · €389,615
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 180 companies that looked in July 2024 the way this one looks now, 5.6% went bankrupt within 24 months and 91% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
5.6%
went bankrupt
2.8%
stopped otherwise
91%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.5% 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 180 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 | €921,399 | €705,909 | €767,913 | €624,478 | €470,766 | ▼ 24.6% |
| Goods, raw materials, services and sundry goods60/61 | €410,301 | €232,774 | €400,756 | €249,217 | €168,677 | ▼ 32.3% |
| Remuneration, social security and pensions62 | €467,603 | €438,697 | €430,916 | €389,615 | €321,624 | ▼ 17.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,202 | €3,027 | €4,394 | €8,306 | €8,628 | ▲ 3.9% |
| Other operating charges640/8 | €489 | €530 | €721 | €516 | €1,185 | ▲ 130% |
| Gross operating margin9900 | €511,098 | €473,135 | €367,156 | €375,262 | €302,090 | ▼ 19.5% |
| Operating profit (loss)9901 | €38,804 | €30,881 | -€68,876 | -€23,175 | -€29,348 | ▼ 26.6% |
| Financial income75/76B | €1,173 | €2,670 | €1,832 | €2,405 | €834 | ▼ 65.3% |
| Recurring financial income75 | €1,173 | €2,670 | €1,832 | €2,405 | €834 | ▼ 65.3% |
| Financial charges65/66B | €9,196 | €9,965 | €12,936 | €12,941 | €7,643 | ▼ 40.9% |
| Recurring financial charges65 | €9,196 | €9,965 | €12,936 | €12,941 | €7,643 | ▼ 40.9% |
| Profit (loss) for the period before taxes9903 | €30,781 | €23,586 | -€79,980 | -€33,711 | -€36,157 | ▼ 7.3% |
| Income taxes67/77 | €17,779 | €15,184 | €365 | €342 | €220 | ▼ 35.6% |
| Profit (loss) for the period9904 | €13,002 | €8,401 | -€80,345 | -€34,053 | -€36,377 | ▼ 6.8% |
| Profit (loss) for the period to be appropriated9905 | €13,002 | €8,401 | -€80,345 | -€34,053 | -€36,377 | ▼ 6.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €359,128 | €334,714 | €175,703 | €128,486 | €89,874 | ▼ 30.1% |
| Fixed assets21/28 | €12,531 | €11,909 | €13,645 | €20,358 | €15,251 | ▼ 25.1% |
| Intangible fixed assets21 | - | - | - | €2,184 | €1,648 | ▼ 24.6% |
| Tangible fixed assets22/27 | €12,270 | €11,648 | €13,384 | €17,913 | €13,343 | ▼ 25.5% |
| Land and buildings22 | - | - | - | - | €2,262 | - |
| Plant, machinery and equipment23 | - | €444 | €382 | €320 | €258 | ▼ 19.3% |
| Furniture and vehicles24 | €12,270 | €11,205 | €13,002 | €17,593 | €10,823 | ▼ 38.5% |
| Financial fixed assets28 | €261 | €261 | €261 | €261 | €261 | = |
| Current assets29/58 | €346,598 | €322,804 | €162,059 | €108,128 | €74,622 | ▼ 31.0% |
| Stocks and contracts in progress3 | €27,499 | €40,174 | - | €5,428 | - | - |
| Contracts in progress37 | €27,499 | €40,174 | - | €5,428 | - | - |
| Amounts receivable within one year40/41 | €302,886 | €156,558 | €144,743 | €80,959 | €73,231 | ▼ 9.5% |
| Trade receivables40 | €210,713 | €91,683 | €110,879 | €59,785 | €64,677 | ▲ 8.2% |
| Other amounts receivable41 | €92,173 | €64,875 | €33,864 | €21,174 | €8,553 | ▼ 59.6% |
| Cash at bank and in hand54/58 | €9,948 | €121,954 | €9,144 | €15,984 | €37 | ▼ 99.8% |
| Deferred charges and accrued income490/1 | €6,265 | €4,119 | €8,172 | €5,757 | €1,355 | ▼ 76.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €359,128 | €334,714 | €175,703 | €128,486 | €89,874 | ▼ 30.1% |
| Equity10/15 | €159,322 | €167,723 | €87,378 | €53,325 | €16,948 | ▼ 68.2% |
| Contributions10/11 | €32,000 | €32,000 | €32,000 | €32,000 | €32,000 | = |
| Reserves13 | €40,200 | €48,200 | €48,200 | €48,200 | €48,200 | = |
| Non-distributable reserves130/1 | €3,200 | €3,200 | €3,200 | €3,200 | €3,200 | = |
| Reserves not available under the articles1311 | €3,200 | €3,200 | €3,200 | €3,200 | €3,200 | = |
| Distributable reserves133 | €37,000 | €45,000 | €45,000 | €45,000 | €45,000 | = |
| Profit (loss) carried forward14 | €87,122 | €87,523 | €7,178 | -€26,875 | -€63,252 | ▼ 135% |
| Amounts payable17/49 | €199,806 | €166,990 | €88,325 | €75,161 | €72,926 | ▼ 3.0% |
| Amounts payable within one year42/48 | €199,806 | €166,990 | €88,325 | €75,069 | €72,926 | ▼ 2.9% |
| Financial debts43 | €40,000 | €50,411 | €20,873 | €9,763 | €14,962 | ▲ 53.2% |
| Credit institutions430/8 | €40,000 | €50,411 | €20,873 | €9,763 | €14,962 | ▲ 53.2% |
| Trade debts44 | €44,084 | €3,997 | €12,771 | €2,102 | €11,337 | ▲ 439% |
| Suppliers440/4 | €44,084 | €3,997 | €12,771 | €2,102 | €11,337 | ▲ 439% |
| Taxes, remuneration and social security45 | €92,589 | €88,105 | €29,745 | €61,204 | €46,627 | ▼ 23.8% |
| Taxes450/3 | €53,528 | €49,865 | €645 | €32,419 | €25,278 | ▼ 22.0% |
| Remuneration and social security454/9 | €39,061 | €38,240 | €29,100 | €28,785 | €21,350 | ▼ 25.8% |
| Other amounts payable47/48 | €23,133 | €24,477 | €24,937 | €2,000 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €92 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,002 | €8,401 | -€80,345 | -€34,053 | -€36,377 | ▼ 6.8% |
| + Depreciation and write-downs630 | €4,202 | €3,027 | €4,394 | €8,306 | €8,628 | ▲ 3.9% |
| Operating cash flow (approximation) | €17,204 | €11,428 | -€75,951 | -€25,747 | -€27,749 | ▼ 7.8% |
| Investment in fixed assets (approximation) | - | -€2,405 | -€6,130 | -€15,019 | -€3,522 | ▲ 76.6% |
| Change in cash | - | €112,006 | -€112,809 | €6,840 | -€15,947 | ▼ 333% |
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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
23-03
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 30/01/2026
- Registered-office move, rue de Wayaux, 36 à 6041 Gosselies
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€80,345
Net result drops to -€80,345, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €150,000Eq €159,322 ▲8.9%
4 profitable years in a row build equity to €159,322.
19-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €29,989 ▲698%
Operating result €64,205, net result €29,989, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2014
Ground area
3,535 m²
Building footprint
226 m²
Volume, LiDAR
1,456 m³
2 parcels, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DDS RETAIL
since 20142.236.196.428
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0231/00H004 | Wallonia | 1,989 m² | 1 · 163 m² | 9.4 m · 2 fl. |
| 52028B0422/00G002 | Wallonia | 1,546 m² | 1 · 63 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,517 companies in sector 82990 we hold annual accounts for 9,415. 5,526 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 (pre-2019)
Founded24-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Contact
E-mail
ddsretail@hotmail.comCharleroi
Phone
0496/519640Charleroi
E-invoicing
Reachable via Peppol
Peppol ID
0208:0565933731
Registered
26-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.