DELFIMA
ActiveSummary
DELFIMA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.61M and a net result of €543k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 79% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability40▲+18
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 1.88; short-term debt: 17.4% and cash: 14.2% of total assets), and 17.4% of the assets are financed with debt.
Credit check for your own amount and term
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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
82.6%
Return on assets
17.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
22 d early
2022
32 d early
2021
3 d late
2020
30 d late
2019
80 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€2.61M▲ 26.3%
2023 · €2.07M
2018: €1.58Mlowest in 7 years
2019: €1.71M▲ +8.5% vs 2018
2020: €1.82M▲ +6.1% vs 2019
2021: €1.95M▲ +6.9% vs 2020
2022: €2.02M▲ +3.8% vs 2021
2023: €2.07M▲ +2.3% vs 2022
2024: €2.61M▲ +26.3% vs 2023highest in 7 years
2018 → 2024
Total assets
€3.16M▲ 52.0%
2023 · €2.08M
2018: €3.62Mhighest in 7 years
2019: €2.74M▼ -24.3% vs 2018
2020: €1.85M▼ -32.3% vs 2019lowest in 7 years
2021: €1.96M▲ +6.1% vs 2020
2022: €2.03M▲ +3.4% vs 2021
2023: €2.08M▲ +2.3% vs 2022
2024: €3.16M▲ +52.0% vs 2023
2018 → 2024
Net result
€543k▲ 1,081%
2023 · €46k
2018: €100k
2019: €134k▲ +34.0% vs 2018
2020: €105k▼ -21.5% vs 2019
2021: €126k▲ +20.1% vs 2020
2022: €75k▼ -40.9% vs 2021
2023: €46k▼ -38.3% vs 2022lowest in 7 years
2024: €543k▲ +1081% vs 2023highest in 7 years
2018 → 2024
Working capital
€480k▼ 70.2%
2023 · €1.61M
2018: €1.60M
2019: €1.60M▲ +0.2% vs 2018
2020: €1.53M▼ -4.7% vs 2019
2021: €1.67M▲ +9.5% vs 2020
2022: €1.73M▲ +3.7% vs 2021highest in 7 years
2023: €1.61M▼ -7.0% vs 2022
2024: €480k▼ -70.2% vs 2023lowest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.82M-€1.95M▲ 6.9%€2.02M▲ 3.8%€2.07M▲ 2.3%€2.61M▲ 26.3%
2020: €1.82Mlowest in 5 years
2021: €1.95M▲ +6.9% vs 2020
2022: €2.02M▲ +3.8% vs 2021
2023: €2.07M▲ +2.3% vs 2022
2024: €2.61M▲ +26.3% vs 2023highest in 5 years
Operating result€96k-€95k▼ 1.8%€53k▼ 43.8%€-26k€-119k▼ 356%
2020: €96khighest in 5 years
2021: €95k▼ -1.8% vs 2020
2022: €53k▼ -43.8% vs 2021
2023: €-26k▼ -149% vs 2022
2024: €-119k▼ -356% vs 2023lowest in 5 years
Net result€105k-€126k▲ 20.1%€75k▼ 40.9%€46k▼ 38.3%€543k▲ 1,081%
2020: €105k
2021: €126k▲ +20.1% vs 2020
2022: €75k▼ -40.9% vs 2021
2023: €46k▼ -38.3% vs 2022lowest in 5 years
2024: €543k▲ +1081% vs 2023highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €119k in 2024 against €26k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.16M
Fixed assets
€2.13M ▲ 367%
Current assets
€1.03M ▼ 36.6%
Equity and liabilities €3.16M
Equity
€2.61M ▲ 26.3%
Debt
€548k ▲ 4,878%
Debt's share of the balance-sheet total rises from 0.5% to 17.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-35k▼
2023 · €-4k
Cash flow
€628k▲
2023 · €68k
Current ratio
1.88
Quick ratio
1.86
Debt to equity
0.21▲
2023 · 0.01
ROE
20.8%▲
2023 · 2.2%
ROA
17.2%▲
2023 · 2.2%
Interest coverage
-0.17▲
2023 · -1.48
Debt ≤ 1 year
€548k▲
2023 · €11k
Income taxes
€329▲
2023 · €165
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.08M€3.16M▲
Fixed assets21/28€456k€2.13M▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€439k€2.13M▲
Land and buildings22€364k€1.92M▲
Plant, machinery and equipment23€31k€156k▲
Furniture and vehicles24€43k€50k▲
Financial fixed assets28€14k€1k▼
Current assets29/58€1.62M€1.03M▼
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€39k€470k▲
Trade receivables40€28k€451k▲
Other amounts receivable41€11k€19k▲
Current investments50/53€362k€100k▼
Cash at bank and in hand54/58€1.22M€447k▼
Deferred charges and accrued income490/1€152€869▲
Equity and liabilities
Total equity and liabilities10/49€2.08M€3.16M▲
Equity10/15€2.07M€2.61M▲
Contributions10/11€19k€19k=
Reserves13€71k€71k=
Non-distributable reserves130/1€71k€71k=
Reserves not available under the articles1311€71k€71k=
Profit (loss) carried forward14€1.98M€2.52M▲
Amounts payable17/49€11k€548k▲
Amounts payable within one year42/48€11k€548k▲
Trade debts44€3k€546k▲
Suppliers440/4€3k€546k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€6k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€84k▲
Other operating charges640/8€98€8k▲
Gross operating margin9900€-4k€-27k▼
Operating profit (loss)9901€-26k€-119k▼
Financial income75/76B€75k€880k▲
Recurring financial income75€75k€880k▲
Financial charges65/66B€3k€218k▲
Recurring financial charges65€3k€208k▲
Non-recurring financial charges66B-€10k
Profit (loss) for the period before taxes9903€46k€544k▲
Income taxes67/77€165€329▲
Profit (loss) for the period9904€46k€543k▲
Profit (loss) for the period to be appropriated9905€46k€543k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.98M€2.52M▲
Profit (loss) brought forward from the previous period14P€1.93M€1.98M▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €19k | €10k | €22k | €84k | ▲ 283% |
| Other operating charges640/8 | - | €1k | €1k | €98 | €8k | ▲ 8,074% |
| Non-recurring operating charges66A | - | €10 | €0 | - | - | - |
| Gross operating margin9900 | €105k | €115k | €65k | €-4k | €-27k | ▼ 564% |
| Operating profit (loss)9901 | €96k | €95k | €53k | €-26k | €-119k | ▼ 356% |
| Financial income75/76B | - | €179k | €58k | €75k | €880k | ▲ 1,072% |
| Recurring financial income75 | €74k | €179k | €58k | €75k | €880k | ▲ 1,072% |
| Financial charges65/66B | - | €144k | €32k | €3k | €218k | ▲ 7,609% |
| Recurring financial charges65 | €40k | €144k | €32k | €3k | €208k | ▲ 7,255% |
| Non-recurring financial charges66B | - | - | - | - | €10k | - |
| Profit (loss) for the period before taxes9903 | €131k | €129k | €80k | €46k | €544k | ▲ 1,078% |
| Income taxes67/77 | €26k | €3k | €5k | €165 | €329 | ▲ 99.5% |
| Profit (loss) for the period9904 | €105k | €126k | €75k | €46k | €543k | ▲ 1,081% |
| Profit (loss) for the period to be appropriated9905 | €105k | €126k | €75k | €46k | €543k | ▲ 1,081% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.85M | €1.96M | €2.03M | €2.08M | €3.16M | ▲ 52.0% |
| Fixed assets21/28 | €301k | €283k | €295k | €456k | €2.13M | ▲ 367% |
| Intangible fixed assets21 | - | - | - | €3k | €2k | ▼ 35.5% |
| Tangible fixed assets22/27 | €288k | €269k | €282k | €439k | €2.13M | ▲ 385% |
| Land and buildings22 | - | €269k | €262k | €364k | €1.92M | ▲ 427% |
| Plant, machinery and equipment23 | - | - | €20k | €31k | €156k | ▲ 406% |
| Furniture and vehicles24 | - | €0 | - | €43k | €50k | ▲ 14.6% |
| Financial fixed assets28 | €13k | €13k | €13k | €14k | €1k | ▼ 93.0% |
| Current assets29/58 | €1.55M | €1.68M | €1.74M | €1.62M | €1.03M | ▼ 36.6% |
| Stocks and contracts in progress3 | - | - | - | - | €10k | - |
| Stocks30/36 | - | - | - | - | €10k | - |
| Amounts receivable within one year40/41 | €118k | €89k | €65k | €39k | €470k | ▲ 1,110% |
| Trade receivables40 | - | €45k | €13k | €28k | €451k | ▲ 1,531% |
| Other amounts receivable41 | - | €43k | €52k | €11k | €19k | ▲ 67.7% |
| Current investments50/53 | €1.35M | €1.27M | €1.18M | €362k | €100k | ▼ 72.4% |
| Cash at bank and in hand54/58 | €86k | €295k | €473k | €1.22M | €447k | ▼ 63.3% |
| Deferred charges and accrued income490/1 | - | €25k | €13k | €152 | €869 | ▲ 473% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.85M | €1.96M | €2.03M | €2.08M | €3.16M | ▲ 52.0% |
| Equity10/15 | €1.82M | €1.95M | €2.02M | €2.07M | €2.61M | ▲ 26.3% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €71k | €71k | €71k | €71k | €71k | = |
| Non-distributable reserves130/1 | - | €71k | €71k | €71k | €71k | = |
| Reserves not available under the articles1311 | - | €71k | €71k | €71k | €71k | = |
| Profit (loss) carried forward14 | €1.73M | €1.86M | €1.93M | €1.98M | €2.52M | ▲ 27.5% |
| Amounts payable17/49 | €33k | €19k | €11k | €11k | €548k | ▲ 4,878% |
| Amounts payable within one year42/48 | €25k | €12k | €4k | €11k | €548k | ▲ 4,878% |
| Trade debts44 | €7k | €1k | €1k | €3k | €546k | ▲ 21,626% |
| Suppliers440/4 | - | €1k | €1k | €3k | €546k | ▲ 21,626% |
| Taxes, remuneration and social security45 | - | €7k | €0 | €2k | €2k | ▲ 7.1% |
| Taxes450/3 | - | €7k | €0 | €2k | €2k | ▲ 7.1% |
| Other amounts payable47/48 | - | €4k | €3k | €6k | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €7k | €7k | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €105k | €126k | €75k | €46k | €543k | ▲ 1,081% |
| + Depreciation and write-downs630 | €5k | €19k | €10k | €22k | €84k | ▲ 283% |
| Operating cash flow (approximation) | €111k | €145k | €85k | €68k | €628k | ▲ 823% |
| Investment in fixed assets (approximation) | - | €0 | €-23k | €-183k | €-1.76M | ▼ 862% |
| Change in cash | - | €209k | €178k | €747k | €-773k | ▼ 203% |
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €543k ▲1,081%
Net result €543k, the highest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €46k ▼38.3%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 438.21
Current ratio from 138.45 to 438.21; short-term debt falls from €12k to €4k.
31-12
Financial
Equity above €2MEq €2.02M ▲3.8%
5 profitable years in a row build equity to €2.02M.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 138.45
Current ratio from 60.90 to 138.45; short-term debt falls from €25k to €12k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity times 23current ratio 60.90
Current ratio from 2.62 to 60.90; short-term debt falls from €991k to €25k.
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
18-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
13-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
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.
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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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Chaumont-Gistoux · 2 establishment units since 2000
Ground area
5,708 m²
Building footprint
210 m²
Volume, LiDAR
970 m³
2 parcels, Wallonia · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rue du Sartau,Dion-V. 20, 1325 Chaumont-Gistoux
since 20002.093.577.823
Domaine de la Croix du Pendu
since 20242.363.640.174
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84055B0235/00B000 | Wallonia | 4,626 m² | - | - |
| 25026A0098/00P000 | Wallonia | 1,083 m² | 1 · 210 m² | 6.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLibin2.363.640.174
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 17,220 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
Founded29-04-1999
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
Scores and ratios are computed by Checked and are not a credit decision.