De fietskoerier

Active

Private limited companyfounded 20197 yrs activeKerkstraat 108, 9050 Gent, BelgiumKBO/BCE: BE 0729.803.749

Summary

De fietskoerier has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66,689 and a net result of €1,329. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 84% of 149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch Report Compare

De fietskoerierActiveChecked score 67/100

Risk analysis Report Compare

Activity

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 66% of its sector peers (NACE 53, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 97-2

equity 71.6% of total assets

Liquidity 86+18

short-term debt 28.4% · cash 38.1%

Profitability 71-29

return on assets 1.4%

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 2.6% (904 companies)

Last 24 months 11-2024: 1.0% 12-2024: 1.0%● 0.0% vs 11-2024 01-2025: 1.0%▼ -0.1% vs 12-2024 02-2025: 1.1%▲ +2.5% vs 01-2025 03-2025: 1.0%▼ -5.3% vs 02-2025 04-2025: 1.2%▲ +14.9% vs 03-2025 05-2025: 1.1%▼ -1.2% vs 04-2025 06-2025: 1.1%▼ -1.0% vs 05-2025 07-2025: 1.3%▲ +18.0% vs 06-2025highest value 08-2025: 1.2%▼ -13.1% vs 07-2025 09-2025: 1.2%● 0.0% vs 08-2025 10-2025: 1.0%▼ -16.1% vs 09-2025lowest value 11-2025: 1.0%▲ +1.6% vs 10-2025 12-2025: 1.0%● 0.0% vs 11-2025 01-2026: 1.0%▼ -0.1% vs 12-2025 02-2026: 1.0%● 0.0% vs 01-2026 03-2026: 1.0%● 0.0% vs 02-2026 04-2026: 1.1%▲ +12.5% vs 03-2026 05-2026: 1.1%▲ +2.7% vs 04-2026 06-2026: 1.1%▼ -2.0% vs 05-2026 07-2026: 1.3%▲ +13.4% vs 06-2026 08-2026: 1.0%▼ -17.9% vs 07-2026 09-2026: 1.0%● 0.0% vs 08-2026 10-2026: 1.0%● 0.0% vs 09-2026

Sector Postal and courier activities (NACE 53) raises the probability
Liquidity: current ratio 3.13, cash €35,460 lowers the probability
1 change of registered office in 24 months raises the probability
Founded in 2019 raises the probability for this profile

Credit up to €4,000 at 30 days acceptable

Liquidity ample (current ratio 3.13 against 3.46 in 2024; short-term debt: 28.4% and cash: 38.1% of total assets), and 28.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 53, micro). Better than this share of them on solvency 83%, liquidity 91%, profitability 47%, growth against the median 41%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Sector Postal and courier activities (NACE 53)

In the bankruptcy model this factor raises the probability.

KBO

Liquidity: current ratio 3.13, cash €35,460

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Founded in 2019

In the bankruptcy model this factor raises the probability for this profile.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

1 d early

2024

8 d early

2023

30 d late

2022

on the day

2021

6 d early

2020

2 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 13 days after the deadline, and 56% of the sector filed late.

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. Usually files around 30 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

05-10-2026 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

30-07-26 Annual accounts filedfiscal year 2025 · abbreviated…
16-07-26 Resignations: Sim Coddé (non-statutory director) and…Appointments: Sander Vandenberghe (non-statutory director)…
31-12-25 Weakest financial yearnet €1,329 ▼94.1%

Key points

Caution: Board changedlatest change 01-07-2026 · 2 in office 2 joined · 2 left View
Positive: Among the best 16% on solvencysector median 35.4% · 149 companies 71.6% View
Controlled by CARGO VELO BV parent View
Positive: 6 profitable years in a rowprofit 2025: €1,329 6 years View