DELI BILZEN
ActiveDELI BILZEN has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €-60k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 84% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-69
Solvency99▼-1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 7.77 in 2024; short-term debt: 25.9% and cash: 1.8% of total assets), and 26.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
34 d early
2023
21 d early
2022
10 d late
2021
32 d early
2020
19 d late
2019
20 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€233k▼ 20.4%
2024 · €293k
2018: €248k
2019: €244k
2020: €261k
2021: €284k
2022: €285k
2023: €291k
2024: €293k
2018 → 2025
Total assets
€316k▼ 2.9%
2024 · €325k
2018: €298k
2019: €279k
2020: €280k
2021: €307k
2022: €321k
2023: €321k
2024: €325k
2018 → 2025
Net result
€-60k
2024 · €1k
2018: €3k
2019: €-4k
2020: €17k
2021: €23k
2022: €954
2023: €7k
2024: €1k
2018 → 2025
Working capital
€92k▼ 55.5%
2024 · €207k
2018: €125k
2019: €71k
2020: €111k
2021: €159k
2022: €179k
2023: €198k
2024: €207k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€284k-€285k▲ 0.3%€291k▲ 2.4%€293k▲ 0.5%€233k▼ 20.4%
Operating result€19k-€-4k€679€-5k€-63k▼ 1,227%
Net result€23k-€954▼ 95.8%€7k▲ 621%€1k▼ 79.9%€-60k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €63k in 2025 against €5k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316k
Fixed assets
€142k▲ 62.1%
Current assets
€174k▼ 26.8%
Equity and liabilities €316k
Equity
€233k▼ 20.4%
Debt
€83k▲ 154%
The debt ratio rises from 10.0% to 26.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-37k▼
2024 · €17k
Cash flow
€-34k▼
2024 · €23k
Solvency
73.8%▼
2024 · 90.0%
Current ratio
2.13▼
2024 · 7.77
Quick ratio
2.04▼
2024 · 7.59
Debt / equity
0.36▲
2024 · 0.11
ROE
-25.6%▼
2024 · 0.5%
ROA
-18.9%▼
2024 · 0.4%
Interest coverage
-43.33▼
2024 · 25.03
Debt
€83k▲
2024 · €33k
Debt ≤ 1 year
€82k▲
2024 · €31k
Staff costs
€104k▼
2024 · €106k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€325k€316k▼
Fixed assets21/28€88k€142k▲
Tangible fixed assets22/27€88k€142k▲
Plant, machinery and equipment23€14k€16k▲
Furniture and vehicles24-€3k
Other tangible fixed assets26€74k€123k▲
Current assets29/58€238k€174k▼
Stocks and contracts in progress3€6k€7k▲
Stocks30/36€6k€7k▲
Amounts receivable within one year40/41€230k€161k▼
Trade receivables40€1k€147▼
Other amounts receivable41€229k€161k▼
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€165€150▼
Equity and liabilities
Total equity and liabilities10/49€325k€316k▼
Equity10/15€293k€233k▼
Contributions10/11€30k€30k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€260k€200k▼
Amounts payable17/49€33k€83k▲
Amounts payable within one year42/48€31k€82k▲
Trade debts44€15k€61k▲
Suppliers440/4€15k€61k▲
Taxes, remuneration and social security45€15k€21k▲
Taxes450/3€71€72▲
Remuneration and social security454/9€15k€21k▲
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€106k€104k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€26k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€125k€69k▼
Operating profit (loss)9901€-5k€-63k▼
Financial income75/76B€7k€4k▼
Recurring financial income75€7k€4k▼
Financial charges65/66B€689€864▲
Recurring financial charges65€689€864▲
Profit (loss) for the period before taxes9903€1k€-60k▼
Profit (loss) for the period9904€1k€-60k▼
Profit (loss) for the period to be appropriated9905€1k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€260k€200k▼
Profit (loss) brought forward from the previous period14P€259k€260k▲
Social balance
Average headcount (FTE)90873.32.9▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-60k ▼4412%
Net result drops to €-60k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €23k ▲32.1%
Operating result €19k, net result €23k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 6.91
Current ratio from 3.01 to 6.91; short-term debt falls from €36k to €19k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
11-11-2025
Danny Smets: Resigned as Director
11-11-2025
Ludwina Jacobs: Resigned as Director
14-04-2023
JACOBS Ludwina Rita Noëlla: Resigned as Director
14-04-2023
SMETS Danny Germain Alfons: Resigned as Director
20-10-2003
Anthony Vanherpe: Resigned as Manager
Location & real-estate footprint
Registered office, Bilzen-Hoeselt · 1 establishment unit since 1998
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Onze Lieve Vrouwstraat 143740 Bilzen-HoeseltGround area
168 m²
Building footprint
168 m²
Volume, LiDAR
1,460 m³
Parcel 73006M0375/00H000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DELI BILZEN
since 19982.087.461.576
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006M0375/00H000 | Flanders | 167 m² | 1 · 167 m² | 13.0 m · 3 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBilzen-Hoeselt2.087.461.576
Dual-learning approval
5 endedSimilar companies · same sector, comparable size
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KARERI
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CARUSO
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Of 2,406 companies in sector 47241 we hold annual accounts for 1,099. 783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-1994
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.