DELFY
ActiveSummary
DELFY has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €180,370 and a net result of €45,386. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability85▲+31
Solvency77▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.98 against 1.34 in 2023; short-term debt: 28.5% and cash: 13.3% of total assets), and 47.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more 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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-12-2025, 131 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
131 d late
2023
490 d late
2022
120 d late
2021
66 d late
2020
31 d late
2019
39 d late
← 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 146 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
In the rankings
#10 oldest company in Hamois, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45,386▲ 1,834%
2023 · €2,347
Working capital
€95,508▲ 124%
2023 · €42,555
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€13,887▼ 52.9%€42,573▲ 207%€19,603▼ 54.0%€13,467▼ 31.3%€68,219▲ 407%
Net result€2,126within the sector's middle half▼ 79.8%€25,020within the sector's middle half▲ 1,077%-€2,953below the sector's middle half€2,347within the sector's middle half€45,386above the sector's middle half▲ 1,834%
Equity€122,569within the sector's middle half▲ 1.8%€147,590within the sector's middle half▲ 20.4%€144,636within the sector's middle half▼ 2.0%€146,984above the sector's middle half▲ 1.6%€180,370above the sector's middle half▲ 22.7%
Total assets€442,350within the sector's middle half▲ 10.6%€408,622within the sector's middle half▼ 7.6%€357,069below the sector's middle half▼ 12.6%€341,251above the sector's middle half▼ 4.4%€344,111above the sector's middle half▲ 0.8%
Debt€319,781▲ 14.4%€261,033▼ 18.4%€212,433▼ 18.6%€194,267▼ 8.6%€163,741▼ 15.7%
Working capital€13,353within the sector's middle half▲ 1,899%€15,868within the sector's middle half▲ 18.8%€30,245within the sector's middle half▲ 90.6%€42,555within the sector's middle half▲ 40.7%€95,508above the sector's middle half▲ 124%
Solvency27.7%within the sector's middle half▼ 2.4pp36.1%within the sector's middle half▲ 8.4pp40.5%within the sector's middle half▲ 4.4pp43.1%within the sector's middle half▲ 2.6pp52.4%within the sector's middle half▲ 9.3pp
Current ratio1.09within the sector's middle half▲ 0.081.12within the sector's middle half▲ 0.031.27within the sector's middle half▲ 0.151.34within the sector's middle half▲ 0.071.98within the sector's middle half▲ 0.63
Return on assets (ROA)0.5%within the sector's middle half▼ 2.1pp6.1%within the sector's middle half▲ 5.6pp-0.8%below the sector's middle half▼ 7.0pp0.7%within the sector's middle half▲ 1.5pp13.2%above the sector's middle half▲ 12.5pp
Staff (FTE)1.5below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 407% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €344,111
Fixed assets
€150,676 ▼ 13.9%
Current assets
€193,435 ▲ 16.3%
Equity and liabilities €344,111
Equity
€180,370 ▲ 22.7%
Debt
€163,741 ▼ 15.7%
Debt's share of the balance-sheet total falls from 56.9% to 47.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92,462▲
2023 · €37,709
Cash flow
€69,629▲
2023 · €26,589
Quick ratio
1.50▲
2023 · 0.97
Debt to equity
0.91▼
2023 · 1.32
ROE
25.2%▲
2023 · 1.6%
Interest coverage
16.20▲
2023 · 4.13
Debt ≤ 1 year
€97,927▼
2023 · €123,778
Debt > 1 year
€58,443▼
2023 · €70,489
Income taxes
€19,469▲
2023 · €4,769
Staff costs
€105,444▲
2023 · €104,205
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €80,586 | €97,561 | €104,205 | €105,444 | ▲ 1.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,728 | €39,326 | €41,758 | €24,242 | €24,243 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €8,000 | €8,000 | €8,000 | €8,000 | = |
| Other operating charges640/8 | - | €1,884 | €3,522 | €8,485 | €2,972 | ▼ 65.0% |
| Non-recurring operating charges66A | - | - | - | €1,740 | - | - |
| Gross operating margin9900 | €151,133 | €172,368 | €170,444 | €160,139 | €208,878 | ▲ 30.4% |
| Operating profit (loss)9901 | €13,887 | €42,573 | €19,603 | €13,467 | €68,219 | ▲ 407% |
| Financial income75/76B | - | €848 | €122 | €2,778 | €2,342 | ▼ 15.7% |
| Recurring financial income75 | €407 | €848 | €122 | €2,778 | €2,342 | ▼ 15.7% |
| Financial charges65/66B | - | €8,643 | €9,006 | €9,129 | €5,706 | ▼ 37.5% |
| Recurring financial charges65 | €10,459 | €8,643 | €9,006 | €9,129 | €5,706 | ▼ 37.5% |
| Profit (loss) for the period before taxes9903 | €3,835 | €34,779 | €10,719 | €7,116 | €64,855 | ▲ 811% |
| Income taxes67/77 | €1,709 | €9,759 | €13,672 | €4,769 | €19,469 | ▲ 308% |
| Profit (loss) for the period9904 | €2,126 | €25,020 | -€2,953 | €2,347 | €45,386 | ▲ 1,834% |
| Profit (loss) for the period to be appropriated9905 | €2,126 | €25,020 | -€2,953 | €2,347 | €45,386 | ▲ 1,834% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €442,350 | €408,622 | €357,069 | €341,251 | €344,111 | ▲ 0.8% |
| Fixed assets21/28 | €275,195 | €256,446 | €214,688 | €174,918 | €150,676 | ▼ 13.9% |
| Tangible fixed assets22/27 | €257,576 | €238,818 | €197,060 | €172,818 | €148,576 | ▼ 14.0% |
| Land and buildings22 | - | €206,410 | €184,850 | €163,042 | €141,234 | ▼ 13.4% |
| Furniture and vehicles24 | - | €32,408 | €12,210 | €9,776 | €7,342 | ▼ 24.9% |
| Financial fixed assets28 | €17,619 | €17,628 | €17,628 | €2,100 | €2,100 | = |
| Current assets29/58 | €167,155 | €152,176 | €142,381 | €166,333 | €193,435 | ▲ 16.3% |
| Stocks and contracts in progress3 | €32,331 | €30,030 | €32,717 | €45,738 | €46,803 | ▲ 2.3% |
| Stocks30/36 | - | €30,030 | €32,717 | €45,738 | €46,803 | ▲ 2.3% |
| Amounts receivable within one year40/41 | €101,676 | €76,196 | €56,390 | €94,893 | €100,564 | ▲ 6.0% |
| Trade receivables40 | - | €76,196 | €56,233 | €51,677 | €51,657 | = |
| Other amounts receivable41 | - | - | €157 | €43,216 | €48,907 | ▲ 13.2% |
| Cash at bank and in hand54/58 | €33,148 | €45,727 | €53,274 | €23,706 | €45,845 | ▲ 93.4% |
| Deferred charges and accrued income490/1 | - | €223 | - | €1,996 | €223 | ▼ 88.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €442,350 | €408,622 | €357,069 | €341,251 | €344,111 | ▲ 0.8% |
| Equity10/15 | €122,569 | €147,590 | €144,636 | €146,984 | €180,370 | ▲ 22.7% |
| Contributions10/11 | - | €7,000 | €7,000 | €7,000 | €7,000 | = |
| Reserves13 | €37,369 | €37,369 | €37,369 | €37,369 | €37,369 | = |
| Non-distributable reserves130/1 | - | €2,100 | €2,100 | €2,100 | €2,100 | = |
| Reserves not available under the articles1311 | - | €2,100 | €2,100 | €2,100 | €2,100 | = |
| Tax-exempt reserves132 | - | €30,269 | €30,269 | €30,269 | €30,269 | = |
| Distributable reserves133 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €78,200 | €103,220 | €100,267 | €102,615 | €136,001 | ▲ 32.5% |
| Amounts payable17/49 | €319,781 | €261,033 | €212,433 | €194,267 | €163,741 | ▼ 15.7% |
| Amounts payable after more than one year17 | €164,967 | €124,724 | €100,297 | €70,489 | €58,443 | ▼ 17.1% |
| Financial debts170/4 | - | €124,724 | €100,297 | €70,489 | €58,443 | ▼ 17.1% |
| Amounts payable within one year42/48 | €153,802 | €136,308 | €112,136 | €123,778 | €97,927 | ▼ 20.9% |
| Current portion of amounts payable after more than one year42 | - | €28,221 | €25,035 | €21,981 | €12,046 | ▼ 45.2% |
| Trade debts44 | €76,045 | €68,111 | €43,354 | €65,645 | €39,859 | ▼ 39.3% |
| Suppliers440/4 | - | €68,111 | €43,354 | €65,645 | €39,859 | ▼ 39.3% |
| Taxes, remuneration and social security45 | - | €33,987 | €43,747 | €36,152 | €46,022 | ▲ 27.3% |
| Taxes450/3 | - | €17,694 | €22,204 | €13,121 | €31,743 | ▲ 142% |
| Remuneration and social security454/9 | - | €16,293 | €21,543 | €23,031 | €14,279 | ▼ 38.0% |
| Other amounts payable47/48 | - | €5,990 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €7,371 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,126 | €25,020 | -€2,953 | €2,347 | €45,386 | ▲ 1,834% |
| + Depreciation and write-downs630 | €25,728 | €39,326 | €41,758 | €24,242 | €24,243 | = |
| Operating cash flow (approximation) | €27,854 | €64,346 | €38,805 | €26,589 | €69,629 | ▲ 162% |
| Investment in fixed assets (approximation) | - | -€20,577 | -€0 | €15,528 | -€1 | ▼ 100% |
| Change in cash | - | €12,579 | €7,547 | -€29,568 | €22,139 | ▲ 175% |
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
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 131 days late
03-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 490 days late
2024
31-12
Financial
Highest result since 2018net €45,386 ▲1,834%
Operating result €68,219, net result €45,386, both a record.
31-12
Financial
Equity above €150,000Eq €180,370 ▲22.7%
2 profitable years in a row build equity to €180,370.
2023
31-12
Financial
Back to profitnet €2,347
Net result €2,347 after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 120 days late
2022
31-12
Financial
Weakest financial yearnet -€2,953
Net result drops to -€2,953, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 66 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 39 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 85 days late
2017
01-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 123 days late
16-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 228 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Hamois · 1 establishment unit since 2003
Ground area
190 m²
Building footprint
37 m²
Parcel 91059E0219/00T000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Louis Delhaize
since 20032.135.048.786
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91059E0219/00T000 | Wallonia | 190 m² | 1 · 37 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 siteHamois2.135.048.786
Similar companies · same sector, comparable size
Peter Vercammen
BE 0454.561.992
Edegem · Eq €180,352
RICOEMA
BE 1005.116.770
Hastière · Eq €180,268
Martine & Dirk
BE 0464.705.620
Brugge · Eq €180,532
HERSTAL DISCOUNT
BE 0862.265.761
Herstal · Eq €180,553
Nil Retail
BE 0786.486.292
Niel · Eq €180,111
Of 10,510 companies in sector 47110 we hold annual accounts for 5,854. 4,330 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 (pre-2019)
Founded19-11-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0861724244
Registered
20-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.