Active BE 0473.287.744Private limited company

DE CENTRALE

Ijzerlaan(D) 54 ·8600 Diksmuide, Belgium· 25 yrs active

Sector: Retail sale of beverages, general range (47252)

Conclusion Checked

DE CENTRALE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €264k and a net result of €5k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 9900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€264k
Net result	€5k
Staff (FTE)	1.6
Better than sector	45%

Financial profile 5 of 5 axes measured · computed by Checked

53 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 49

Profitability 10

Solvency 52

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.5% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2000, 25 years in business.

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.

Checked score FY 2025 · computed

49 / 100 Fair

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.

Indicative credit limit

€13k

estimate, not credit advice

Score history

43 2022

61 2023

58 2024

49 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.97 (< 1.0) -10

Quick ratio Quick ratio 0.44 (< 0.6) -5

Leverage Debt/equity 2.00 (< 2.0) +3

Profitability ROE 2% +3

Interest coverage Interest coverage 9.1× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview24 NBB filings

Annual accounts filed on 24-03-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining At this pace, net result would indicatively turn negative around fiscal year 2026, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	33.4%	37.6%	better than 45% of 9900 sector peers
Net result	€5k	€31k	better than 31% of 9895 sector peers
Equity	€264k	€261k	better than 50% of 9909 sector peers
Gross operating margin	€177k	€227k	better than 42% of 9875 sector peers
Staff costs	€77k	€159k	higher than 27% of 7511 sector peers

EBITDA

€82k

+1.0% 22-25

Net profit

€5k

-82.5% 22-25

Cash flow

€72k

-15.8% 22-25

Total assets

€791k

-20.2% 22-25

Equity

€264k

+2.0% 22-25

Working capital

€-13k

+64.6% 22-25

Employees (FTE)

2

+77.8% 22-25

Staff costs

€77k

+69.5% 22-25

Income taxes

€2k

-82.9% 22-25

Debt

€527k

-28.0% 22-25

Debt ≤ 1y

€468k

-34.0% 22-25

Debt > 1y

€56k

+168.5% 22-25

Current ratio

0.97

+2.5% 22-25

Quick ratio

0.44

-25.9% 22-25

Solvency

33.4%

+27.8% 22-25

Debt / equity

2.00

-29.4% 22-25

ROE

1.9%

-82.8% 22-25

ROA

0.6%

-78.1% 22-25

Interest coverage

9.11

+54.8% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	-	-	-	-
EBITDA	€82k	€81k	€139k	€124k
Net profit	€5k	€29k	€52k	€45k
Cash flow	€72k	€85k	€108k	€96k
Staff costs	€77k	€45k	€75k	€70k
Income taxes	€2k	€12k	€20k	€17k
Dividends	-	-	-	-
Total assets	€791k	€991k	€866k	€859k
Equity	€264k	€259k	€230k	€178k
Debt	€527k	€732k	€636k	€681k
of which ≤ 1y	€468k	€709k	€533k	€564k
of which > 1y	€56k	€21k	€89k	€116k
Working capital	€-13k	€-36k	€-16k	€-51k
Employees (FTE)	1.6	0.9	1.8	1.2

Ratios (computed)

	2025	2024	2023	2022
Current ratio	0.97	0.95	0.97	0.91
Quick ratio	0.44	0.60	0.51	0.50
Working capital ratio	-1.6%	-3.6%	-1.8%	-6.0%
Solvency	33.4%	26.1%	26.5%	20.7%
Debt / equity	2.00	2.83	2.77	3.83
Long-term debt ratio	0.21	0.08	0.39	0.65
Interest coverage	9.11	5.88	9.33	8.16
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	0.6%	2.9%	6.0%	5.2%
ROE	1.9%	11.3%	22.4%	25.3%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €335k · 42.4% Current assets €456k · 57.6%

Equity & liabilities

Equity €264k · 33.4% Debt €527k · 66.6%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€791k	€991k	€866k	€859k
Fixed assets	21/28	€335k	€318k	€349k	€347k
Intangible fixed assets	21	€8k	€12k	€17k	€21k
Tangible fixed assets	22/27	€320k	€299k	€326k	€322k
Financial fixed assets	28	€7k	€7k	€7k	€4k
Current assets	29/58	€456k	€673k	€517k	€513k
Stocks & contracts in progress	3	€247k	€247k	€247k	€233k
Amounts receivable within one year	40/41	€162k	€189k	€215k	€180k
Cash & bank	54/58	€26k	€220k	€45k	€95k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€791k	€991k	€866k	€859k
Equity	10/15	€264k	€259k	€230k	€178k
Contributions / capital	10/11	€337k	€337k	€337k	€337k
Accumulated profits (losses)	14	€-82k	€-87k	€-117k	€-168k
Amounts payable	17/49	€527k	€732k	€636k	€681k
Amounts payable after one year	17	€56k	€21k	€89k	€116k
Amounts payable within one year	42/48	€468k	€709k	€533k	€564k
Trade debts payable within one year	44	€131k	€194k	€217k	€248k
Income statement
Gross operating margin	9900	€177k	€141k	€230k	€208k
Operating result	9901	€16k	€25k	€83k	€73k
Financial income	75	€637	€30k	€3k	€4k
Financial charges	65	€9k	€14k	€15k	€15k
Result before taxes	9903	€7k	€41k	€72k	€62k
Income taxes	67/77	€2k	€12k	€20k	€17k
Net result for the period	9904	€5k	€29k	€52k	€45k
Result to be appropriated	9905	€5k	€29k	€52k	€45k

Directors & mandates 1 directors

Current directors & mandates

LOOTENS-STAEL Bruno Georges Etienne Luk
Director
State Gazette act 24457358 (31-12-2024)

Current
31-12-2024 → present
2 events
- 31-12-2024 Resigned· Director
- 31-12-2024 Appointed· Director

Permanent representatives (1)

These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.

VANHAWIMOPrivate limited company
Permanent representative· perm. rep.: VANHAVERBEKE Katja Maria Agnes
State Gazette act 24457358 (31-12-2024)

Permanent representative
31-12-2024 → present
2 events
- 31-12-2024 Resigned· Permanent representative
- 31-12-2024 Appointed· Permanent representative

Legal Structure

NACE primary	Retail sale of beverages, general range(47252)
Legal form	Private limited company(610)
Incorporation	16-11-2000
Status	Active
Postal code	8600

Establishment units 1 location

Ijzerlaan(D) 54, 8600 Diksmuide

Logistics services

since 20022.114.709.668

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
32003D0721/00R005	Flanders	278 m²	1 · 126 m²	12.8 m · 3 fl.

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.

Updates 11 events

All 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 30-04-2027

2026

24-03

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

30-09

Financial Weakest financial yearnet €5k ▼82.5%

Net result drops to €5k, the lowest in the series.

17-02

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

State Gazette act Director changes

Valérie Schraepen

20-03

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

30-09

Financial Highest result since 2022net €52k ▲14.2%

Operating result €83k, net result €52k, both a record.

30-09

Financial Equity above €200kEq €230k ▲28.9%

2 profitable years in a row build equity to €230k.

22-02

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

29-03

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

19-02

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

25-03

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

19-03

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

09-04

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

13-03

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 7 acts read

We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 1 year ago

2024

31-12-2024 2 directors appointed, 2 resigning Director changes·Valérie Schraepen

LOOTENS-STAEL Bruno Georges Etienne Luk, Bestuurder
VANHAVERBEKE Katja Maria Agnes, Vaste vertegenwoordiger
LOOTENS-STAEL Bruno Georges Etienne Luk, Bestuurder
VANHAVERBEKE Katja Maria Agnes, Vaste vertegenwoordiger

Notary: Valérie Schraepen · Lo-Reninge

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Retail sale of beverages, general range47252Logistics services52250Other retail sale of food47279Retail trade4729952272

Names & trade names

Legal nameNL

DE CENTRALE

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