Delmer

Active

Private limited companyfounded 20242 yrs activeLeopold III-laan 7, 8400 Oostende, BelgiumKBO/BCE: BE 1006.654.716

The computed 12-month bankruptcy probability of Delmer is 1.7% (moderate). The 2025 annual accounts show equity of €143k and a net result of €93k. Its solvency ranks better than 17% of 10345 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

52 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability74

Solvency31

Growth-

Track record67

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days only on tighter terms

Liquidity short (current ratio 0.95; short-term debt: 78.4% and cash: 26.2% of total assets), and 94.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

5.9%

Return on assets

3.8%

Age of the figures

12 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 10345 sector peers (2025).

NBB · sector comparison

Position among 10345 sector peers

Solvency

better than 17%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

on the day

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€143k

Total assets

€2.44M

Net result

€93k

Working capital

€-105k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Assets €2.44M

25.9%

74.1%

Fixed assets €633k

Current assets €1.81M

Equity and liabilities €2.44M

94.1%

Equity €143k

Debt €2.30M

Debt finances 94.1% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€211k

Cash flow

€159k

Solvency

5.9%

Current ratio

0.95

Quick ratio

0.62

Debt / equity

16.03

ROE

65.1%

ROA

3.8%

Interest coverage

18.29

Debt

€2.30M

Debt ≤ 1 year

€1.91M

Debt > 1 year

€353k

Income taxes

€47k

Staff costs

€2.69M

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€2.44M

Fixed assets21/28€633k

Tangible fixed assets22/27€633k

Plant, machinery and equipment23€548k

Furniture and vehicles24€39k

Other tangible fixed assets26€45k

Current assets29/58€1.81M

Stocks and contracts in progress3€615k

Stocks30/36€615k

Amounts receivable within one year40/41€536k

Trade receivables40€64k

Other amounts receivable41€472k

Cash at bank and in hand54/58€640k

Deferred charges and accrued income490/1€17k

Equity and liabilities

Total equity and liabilities10/49€2.44M

Equity10/15€143k

Contributions10/11€50k

Reserves13€93k

Distributable reserves133€93k

Amounts payable17/49€2.30M

Amounts payable after more than one year17€353k

Financial debts170/4€353k

Amounts payable within one year42/48€1.91M

Current portion of amounts payable after more than one year42€92k

Financial debts43€118k

Credit institutions430/8€118k

Trade debts44€1.35M

Suppliers440/4€1.35M

Taxes, remuneration and social security45€351k

Taxes450/3€65k

Remuneration and social security454/9€286k

Other amounts payable47/48€1k

Accrued charges and deferred income492/3€32k

Income statement Code2025

Remuneration, social security and pensions62€2.69M

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k

Other operating charges640/8€3k

Gross operating margin9900€2.90M

Operating profit (loss)9901€145k

Financial income75/76B€7k

Recurring financial income75€7k

Financial charges65/66B€12k

Recurring financial charges65€12k

Profit (loss) for the period before taxes9903€140k

Income taxes67/77€47k

Profit (loss) for the period9904€93k

Profit (loss) for the period to be appropriated9905€93k

Appropriation of the result

Profit (loss) to be appropriated9906€93k

Transfer to equity691/2€93k

To other reserves6921€93k

Social balance

Average headcount (FTE)908746.8

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Oostende · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Leopold III-laan 78400 Oostende

Ground area

818 m²

Building footprint

506 m²

Volume, LiDAR

3,611 m³

Parcel 35013A1635/00A005, Flanders · tallest building 30.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Delmer

Leopold III-laan 7, 8400 OostendeSupermarkets

since 20242.357.225.407

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
35013A1635/00A005	Flanders	818 m²	1 · 506 m²	30.0 m · 2 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.

Public money · subsidies and aid

Flemish government

2024 to 2025 · 2 entries · 764 EUR awarded · 764 EUR paid

Year	Entries	awarded	paid
2025	1	176 EUR	176 EUR
2024	1	588 EUR	588 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 764 EUR · 764 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site · 1 with a smiley

Oostende2.357.225.407

4 permissions · smiley 2027NL00871 valid until 22-12-2027

Toelating · Bakkerij · since 25-09-2024

Toelating · Detailhandel · since 25-09-2024

Toelating · Viswinkel · since 25-09-2024

and 1 more

Similar companies · same sector, comparable size

Sint-Joost-ten-Node · Eq €143k

MMM

BE 0771.499.693

Mechelen · Eq €143k

Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,483 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-03-2024

Fiscal year end30-09

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47114Supermarkets

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.