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Generated 14-07-2026
Active BE 0767.460.832Private limited company

De Express

Stapelstraat 57 ·3800 Sint-Truiden, Belgium· 5 yrs active
Sector: Retail trade (47621)
Conclusion Checked

The computed 12-month bankruptcy probability of De Express is 2.7% (moderate). The 2024 annual accounts show equity of €6k and a net result of €12k. Equity is growing by ~103.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 6646 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €6k
Net result €12k
Better than sector 30%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health53Profitability52Solvency8Growth78Stability94
57 / 100

Mixed profile: strong on stability, weaker on solvency.

Health 53
Profitability 52
Solvency 8
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.7% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Multiple establishment units +

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 3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
53 / 100 Fair
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 26-09-2025 with the NBB · fiscal year 2024 · micro
€-200k€0€200k€400k€600kOperating result 2022: €-8k€-8kNet result 2022: €-11k€-11kOperating result 2023: €799€799Net result 2023: €26€26Revenue 2024: €558k€558kOperating result 2024: €15k€15kNet result 2024: €12k€12k202220232024
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~103.3%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-10k€0€10k€20k€30k2025: €12k (€12k - €13k)2026: €19k (€18k - €19k)2027: €25k (€24k - €25k)2022: €-6k2023: €-6k2024: €6k202220232024202520262027
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 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 2.5% 20.3%
better than 30% of 6646 sector peers
Net result €12k €4k
better than 65% of 6627 sector peers
Equity €6k €16k
better than 37% of 6660 sector peers
Gross operating margin €32k €24k
better than 56% of 6606 sector peers
Total assets €252k €94k
better than 77% of 6650 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€558k
- -15% vs sector
EBITDA
€22k
+427.1% -17% vs sector
Net profit
€12k
+46355.8% +30% vs sector
Cash flow
€19k
+469.2% -7% vs sector
Total assets
€252k
+1654.7% +78% vs sector
Equity
€6k
- -88% vs sector
Working capital
€-47k
-1231.2% far below sector median
Staff costs
€-132
- far below sector median
Income taxes
€2k
+848.0% +70% vs sector
Debt
€246k
+1113.0% +251% vs sector
Debt ≤ 1y
€246k
+1826.4% +251% vs sector
Debt > 1y
€8k
0.0% -90% vs sector
Current ratio
0.81
+12.0% -56% vs sector
Quick ratio
0.55
-23.2% -57% vs sector
Solvency
2.5%
- -95% vs sector
Debt / equity
38.92
- far above sector median
ROE
193.4%
- far above sector median
ROA
4.8%
+2547.5% -21% vs sector
Net margin
2.2%
- far above sector median
EBITDA margin
3.9%
- 22-24
Interest coverage
129.99
+1605.9% +132% vs sector
Figures by fiscal year
Fiscal year2024
Revenue€558k
EBITDA€22k
Net profit€12k
Cash flow€19k
Staff costs-
Income taxes€2k
Dividends-
Total assets€252k
Equity€6k
Debt€246k
of which ≤ 1y€246k
of which > 1y-
Working capital€-47k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.81
Quick ratio0.55
Working capital ratio-18.8%
Solvency2.5%
Debt / equity38.92
Long-term debt ratio-
Interest coverage129.99
Gross margin5.1%
Net margin2.2%
ROA4.8%
ROE193.4%
EBITDA margin3.9%
Days sales outstanding78d
Days payable outstanding111d
Inventory turnover8.49
Days inventory (DSI)43d
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€252k
Fixed assets 21/28€54k
Tangible fixed assets 22/27€50k
Financial fixed assets 28€4k
Current assets 29/58€198k
Stocks & contracts in progress 3€62k
Amounts receivable within one year 40/41€119k
Cash & bank 54/58€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€252k
Equity 10/15€6k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€1k
Amounts payable 17/49€246k
Amounts payable within one year 42/48€246k
Trade debts payable within one year 44€161k
Income statement
Turnover 70€558k
Gross operating margin 9900€32k
Operating result 9901€15k
Financial charges 65€169
Result before taxes 9903€14k
Income taxes 67/77€2k
Net result for the period 9904€12k
Result to be appropriated 9905€12k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47621)
Legal form Private limited company(610)
Incorporation24-04-2021
StatusActive
Postal code3800
Establishment units 2 locations
De Express
Stapelstraat 57, 3800 Sint-TruidenSuperette(niet-gespecialiseerde kleinhandel in algemene voedingsmiddelen met een verkoopsoppvervlakte tussen 100 m2 en 400m2)
since 20212.317.015.343
De Express
Stapelstraat 59, 3800 Sint-TruidenNiet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
since 20252.368.169.480
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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71053G0359/00F002 Flanders 642 m² 1 · 263 m² 14.3 m · 2 fl.
71053G0359/00W000 Flanders 77 m² 1 · 77 m² 13.1 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

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

2025
26-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
30-04-2025
State Gazette act Miscellaneous
other
2024
23-09-2024
State Gazette act Director changes
19-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
01-07-2024
State Gazette act Director changes
2023
02-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 1 year ago
2025
30-04-2025 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous
Summary: other
Technical details 
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  "co_filed_documents": [],
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}
2024
23-09-2024 2 resigning Director changes
  • Singh Surjit, Bestuurder
  • Paramjit Kaur, Bestuurder
Technical details 
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      "evidence_quote": "De vergadering besluit om de heer Singh Surjit, NN\u00B062.12.27-499.77, te ontslaan als bestuurder van de vennootschap per 04/07/2024.",
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      "evidence_quote": "De vergadering besluit eveneens volmacht te geven aan DCPP Accountants \u0026 Belastingconsulenten BV, BE 0862.090.864, kantoorhoudende te Industriepark 4 B1, 2220 Heist op den Berg, vertegenwoordigd door Heremans Nick, om alle formaliteiten te vervullen bij de diensten van het ondernemingsloket, BTW, Be",
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  "notary": {
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    "office_city": "Antwerpen",
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  "act_meta": {
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  "co_filed_documents": [],
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}
01-07-2024 4 directors appointed, 1 resigning Director changes
  • Singh Karanpreet Kheira, Bestuurder
  • Singh Simranpreet Kaur K, Bestuurder
  • Singh Surjit, Bestuurder
  • Paramjit Kaur, Bestuurder
  • Pargat Singh, Bestuurder
Technical details 
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      "kind": "director_out",
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      "evidence_quote": "De vergadering besluit om de heer Pargat Singh, NN\u00B071.05.12-667.14, te ontslaan als bestuurder van de vennootschap per 18/06/2024.",
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      "evidence_quote": "De eventuele bezoldiging van de bestuurders zal vastgelegd worden bij afzonderlijk besluit van de algemene vergadering.",
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      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0862.090.864",
        "name": "DCPP Accountants \u0026 Belastingconsulenten BV",
        "address": "Industriepark 4 b1, 2220 Heist op den Berg",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De vergadering besluit eveneens volmacht te geven aan DCPP Accountants \u0026 Belastingconsulenten BV, BE 0862.090.864, kantoorhoudende te Industriepark 4 b1, 2220 Heist op den Berg, vertegenwoordigd door Heremans Nick, om alle formaliteiten te vervullen bij de diensten van het ondernemingsloket, BTW, Be",
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  "notary": {
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  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-07-01",
    "filing_date": "2024-06-21",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-06-18",
      "unanimous": null
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    "kbo": "0767.460.832",
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  },
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}
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Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114Loterijen en kansspelen92000Activiteiten van loterijen en kansspelen92000
Primary activity highlighted.
Names & trade names
Legal nameNL De Express
Registered office
Stapelstraat 57
3800 Sint-Truiden, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative