Checked.be
Active
BE 0763.403.559Private limited company
DE MARKT
Markt 22 ·9620 Zottegem, Belgium· 5 yrs active
Sector: Retail sale of fruit and vegetables
(47210)
Conclusion
The computed 12-month bankruptcy probability of DE MARKT is 1.8% (moderate). The 2025 annual accounts show equity of €26k and a net result of €2k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 1433 sector peers (fiscal year 2025). 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 4 annual accounts.
Key figures
| Equity | €26k |
| Net result | €2k |
| Better than sector | 72% |
| Active | 5 yrs |
Financial profile
71
/ 100
Strong profile, led by health.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
44
Solvency
89
Growth
32
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust 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, and the KBO register records a normal legal situation.
Administrative Flags
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
94
/ 100
Excellent
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
€3k
estimate, not credit advice
Score history
93
2022
47
2023
78
2024
94
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.70 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.70 (≥ 1.0)
+5
Leverage
Debt/equity 0.96 (< 1.0)
+10
Profitability
ROE 9%
+3
Interest coverage
Interest coverage 5.5× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 22-01-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~4.6%/year over 4 fiscal years, indicative, 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 (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 51.0% | 23.5% | |
| Net result | €2k | €7k | |
| Equity | €26k | €25k | |
| Gross operating margin | €10k | €34k | |
| Staff costs | €0 | €42k |
€6k
+16.6%
22-25
€2k
-
22-25
€5k
+28.9%
22-25
€52k
+8.2%
22-25
€26k
+9.6%
22-25
€18k
+38.6%
22-25
1
-20.0%
22-25
€0
-100.0%
22-25
€0
-100.0%
22-25
€25k
+6.8%
22-25
€25k
+6.0%
22-25
1.70
+10.7%
22-25
1.70
+26.0%
22-25
51.0%
+1.3%
22-25
0.96
-2.5%
22-25
8.8%
-
22-25
4.5%
-
22-25
5.47
+43.0%
22-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | +16.6% | - | - | - |
| Net profit | - | +95.8% | - | - |
| Cash flow | +28.9% | - | - | - |
| Staff costs | -100.0% | -99.1% | -28.1% | - |
| Income taxes | - | - | -100.0% | - |
| Dividends | - | - | - | - |
| Total assets | +8.2% | +1.7% | -13.8% | - |
| Equity | +9.6% | -1.5% | -26.8% | - |
| Debt | +6.8% | +5.1% | +6.6% | - |
| of which ≤ 1y | +6.0% | +8.3% | +3.6% | - |
| of which > 1y | - | - | - | - |
| Working capital | +38.6% | +31.0% | -43.3% | - |
| Employees (FTE) | - | - | -20.0% | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 1.70 | 1.54 | 1.44 | 1.81 |
| Quick ratio | 1.70 | 1.35 | 1.44 | 1.81 |
| Working capital ratio | 34.0% | 26.5% | 20.6% | 31.3% |
| Solvency | 51.0% | 50.4% | 52.0% | 61.2% |
| Debt / equity | 0.96 | 0.99 | 0.92 | 0.63 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 5.47 | 3.83 | -3.64 | 31.33 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 4.5% | -0.8% | -19.0% | 52.0% |
| ROE | 8.8% | -1.6% | -36.5% | 85.0% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 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 | €52k | €48k | €47k | €54k |
| Fixed assets | 21/28 | €9k | €11k | €15k | €16k |
| Intangible fixed assets | 21 | €7k | €8k | €9k | €11k |
| Tangible fixed assets | 22/27 | €2k | €3k | €6k | €6k |
| Current assets | 29/58 | €43k | €36k | €31k | €38k |
| Stocks & contracts in progress | 3 | €0 | €4k | - | - |
| Amounts receivable within one year | 40/41 | €4k | €7k | €25k | €22k |
| Cash & bank | 54/58 | €36k | €22k | €3k | €13k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €52k | €48k | €47k | €54k |
| Equity | 10/15 | €26k | €24k | €24k | €33k |
| Contributions / capital | 10/11 | €5k | €5k | €5k | €5k |
| Reserves | 13 | €28k | €28k | €28k | €28k |
| Accumulated profits (losses) | 14 | €-7k | €-9k | €-9k | - |
| Amounts payable | 17/49 | €25k | €24k | €22k | €21k |
| Amounts payable within one year | 42/48 | €25k | €24k | €22k | €21k |
| Trade debts payable within one year | 44 | €7k | €16k | €13k | €12k |
| Income statement | |||||
| Gross operating margin | 9900 | €10k | €7k | €9k | €69k |
| Operating result | 9901 | €3k | €871 | €-8k | €41k |
| Financial income | 75 | €30 | €26 | €4 | €45 |
| Financial charges | 65 | €1k | €1k | €923 | €2k |
| Result before taxes | 9903 | €2k | €-378 | €-9k | €39k |
| Income taxes | 67/77 | - | - | €0 | €11k |
| Net result for the period | 9904 | €2k | €-378 | €-9k | €28k |
| Result to be appropriated | 9905 | €2k | €-378 | €-9k | €28k |
Legal Structure
| NACE primary | Retail sale of fruit and vegetables(47210) |
| Legal form | Private limited company(610) |
| Incorporation | 09-02-2021 |
| Status | Active |
| Postal code | 9620 |
Establishment units
DE MARKT
since 20212.313.168.601
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41081A0316/00S000 | Flanders | 286 m² | 1 · 109 m² | 13.5 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates
Next filing, fiscal year 2026, expected by
2026
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-9k ▼131%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail sale of fruit and vegetables47210
Names & trade names
| Legal nameNL | DE MARKT |
Similar companies
AS FRUIT
BE 1001.810.060 · Antwerpen
GAVEL
BE 0448.923.027 · Gent
PERMA-PROJECTS
BE 0721.491.542 · La Hulpe
VICTOR
BE 0447.781.989 · Aalst
NALO EVENT
BE 0767.765.985 · Verviers