DELICIA.MA
ActiveThe computed 12-month bankruptcy probability of DELICIA.MA is 3.0% (moderate). The 2025 annual accounts show equity of €29k and a net result of €-15k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 13159 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency89▼-9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.5 against 2.33 in 2024; short-term debt: 36.4% and cash: 1.9% of total assets), and 36.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.6%
Return on assets
-32.5%
Age of the figures
9 mo
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
22 d late
2023
20 d late
2022
24 d early
2021
30 d late
2020
30 d late
2019
60 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 33.8%
2024 · €43k
2018: €14k
2019: €13k
2020: €19k
2021: €32k
2022: €28k
2023: €25k
2024: €43k
2018 → 2025
Total assets
€45k▼ 24.4%
2024 · €60k
2018: €27k
2019: €17k
2020: €19k
2021: €35k
2022: €38k
2023: €40k
2024: €60k
2018 → 2025
Net result
€-15k
2024 · €18k
2018: €-674
2019: €-1k
2020: €6k
2021: €13k
2022: €-4k
2023: €-2k
2024: €18k
2018 → 2025
Working capital
€8k▼ 62.6%
2024 · €22k
2018: €5k
2019: €9k
2020: €16k
2021: €31k
2022: €25k
2023: €-7k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€28k▼ 13.5%€25k▼ 8.1%€43k▲ 70.3%€29k▼ 33.8%
Operating result€16k-€-2k€613€25k▲ 3,904%€-14k
Net result€13k-€-4k€-2k▲ 57.1%€18k€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€21k▼ 4.8%
Current assets
€25k▼ 35.5%
Equity and liabilities €45k
Equity
€29k▼ 33.8%
Debt
€16k▲ 0.5%
The debt ratio rises from 27.4% to 36.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-10k▼
2024 · €29k
Cash flow
€-11k▼
2024 · €22k
Solvency
63.6%▼
2024 · 72.6%
Current ratio
1.50▼
2024 · 2.33
Quick ratio
1.31▼
2024 · 2.17
Debt / equity
0.57▲
2024 · 0.38
ROE
-51.1%▼
2024 · 41.3%
ROA
-32.5%▼
2024 · 30.0%
Interest coverage
-15.46▼
2024 · 48.26
Debt
€16k▲
2024 · €16k
Debt ≤ 1 year
€16k▲
2024 · €16k
Income taxes
€63▼
2024 · €6k
Staff costs
€48k▲
2024 · €42k
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€60k€45k▼
Fixed assets21/28€22k€21k▼
Tangible fixed assets22/27€22k€21k▼
Plant, machinery and equipment23€17k€13k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26-€3k
Current assets29/58€38k€25k▼
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€29k€20k▼
Trade receivables40€6k-
Other amounts receivable41€23k€20k▼
Cash at bank and in hand54/58€6k€862▼
Deferred charges and accrued income490/1€520€440▼
Equity and liabilities
Total equity and liabilities10/49€60k€45k▼
Equity10/15€43k€29k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€18k€3k▼
Amounts payable17/49€16k€16k▲
Amounts payable within one year42/48€16k€16k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€13k€10k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€6k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€42k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€682▼
Non-recurring operating charges66A€2k€5k▲
Gross operating margin9900€73k€44k▼
Operating profit (loss)9901€25k€-14k▼
Financial income75/76B€1€3▲
Recurring financial income75€1€3▲
Financial charges65/66B€592€635▲
Recurring financial charges65€592€635▲
Profit (loss) for the period before taxes9903€24k€-15k▼
Income taxes67/77€6k€63▼
Profit (loss) for the period9904€18k€-15k▼
Profit (loss) for the period to be appropriated9905€18k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€3k▼
Profit (loss) brought forward from the previous period14P€196€18k▲
The notes to these accounts (7 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-15k ▼182%
Net result drops to €-15k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 2.33
Current ratio from 0.53 to 2.33.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-12
Financial
Liquidity times 77current ratio 227.32
Current ratio from 2.95 to 227.32; short-term debt falls from €5k to €71.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.95
Current ratio from 1.35 to 2.95; short-term debt falls from €13k to €5k.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
19-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 80 days late
2017
23-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 115 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anderlecht · 1 establishment unit since 2010
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.
Bergense Steenweg 9961070 AnderlechtGround area
219 m²
Building footprint
131 m²
Volume, LiDAR
1,195 m³
Parcel 21306D0339/00C007, Brussels · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bergense Steenweg 996, 1070 Anderlecht
since 20102.181.134.179
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0339/00C007 | Brussels | 219 m² | 1 · 131 m² | 14.0 m · 4 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 siteAnderlecht2.181.134.179
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,781. 8,369 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2009
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.