DELPHINE B
ActiveDELPHINE B has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €16k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 95% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+21
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 19.29 against 7.75 in 2024), and 4% of the assets are financed with debt.
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
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 →
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 2025Solvency, return and age of the figures
Solvency
96%
Return on assets
9.1%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d late
2023
2 d early
2022
36 d early
2021
34 d early
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€167k▲ 10.5%
2024 · €151k
2019: €76k
2020: €88k
2021: €98k
2022: €121k
2023: €143k
2024: €151k
2019 → 2025
Total assets
€174k▲ 5.5%
2024 · €165k
2019: €246k
2020: €295k
2021: €283k
2022: €241k
2023: €157k
2024: €165k
2019 → 2025
Net result
€16k▲ 94.0%
2024 · €8k
2019: €20k
2020: €12k
2021: €10k
2022: €23k
2023: €22k
2024: €8k
2019 → 2025
Working capital
€127k▲ 35.6%
2024 · €93k
2019: €-58k
2020: €-30k
2021: €-3k
2022: €36k
2023: €68k
2024: €93k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€121k▲ 23.3%€143k▲ 18.2%€151k▲ 5.7%€167k▲ 10.5%
Operating result€12k-€32k▲ 174%€30k▼ 6.4%€10k▼ 68.6%€24k▲ 151%
Net result€10k-€23k▲ 134%€22k▼ 3.5%€8k▼ 62.8%€16k▲ 94.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 151% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€40k▼ 30.0%
Current assets
€133k▲ 24.6%
Equity and liabilities €174k
Equity
€167k▲ 10.5%
Debt
€7k▼ 49.9%
The debt ratio falls from 8.4% to 4.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€41k▲
2024 · €27k
Cash flow
€33k▲
2024 · €26k
Solvency
96.0%▲
2024 · 91.6%
Current ratio
19.29▲
2024 · 7.75
Quick ratio
10.20▲
2024 · 4.77
Debt / equity
0.04▼
2024 · 0.09
ROE
9.5%▲
2024 · 5.4%
ROA
9.1%▲
2024 · 5.0%
Interest coverage
29.82▼
2024 · 182.58
Debt
€7k▼
2024 · €14k
Debt ≤ 1 year
€7k▼
2024 · €14k
Income taxes
€8k▲
2024 · €3k
Staff costs
€54k▲
2024 · €48k
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€165k€174k▲
Fixed assets21/28€58k€40k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€48k€32k▼
Furniture and vehicles24€321€39▼
Other tangible fixed assets26€47k€32k▼
Financial fixed assets28€6k€6k=
Current assets29/58€107k€133k▲
Stocks and contracts in progress3€41k€63k▲
Stocks30/36€41k€63k▲
Amounts receivable within one year40/41€2k€592▼
Other amounts receivable41€2k€592▼
Cash at bank and in hand54/58€64k€69k▲
Deferred charges and accrued income490/1€334€987▲
Equity and liabilities
Total equity and liabilities10/49€165k€174k▲
Equity10/15€151k€167k▲
Contributions10/11€12k€12k=
Reserves13€139k€155k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€137k€153k▲
Amounts payable17/49€14k€7k▼
Amounts payable within one year42/48€14k€7k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€11k€4k▼
Taxes450/3€8k€999▼
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Other operating charges640/8€6k€8k▲
Gross operating margin9900€81k€102k▲
Operating profit (loss)9901€10k€24k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€147€1k▲
Recurring financial charges65€147€1k▲
Profit (loss) for the period before taxes9903€12k€24k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€8k€16k▲
Profit (loss) for the period to be appropriated9905€8k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€16k▲
Transfer to equity691/2€8k€16k▲
To other reserves6921€8k€16k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (9 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Liquidity doublescurrent ratio 19.29
Current ratio from 7.75 to 19.29; short-term debt falls from €14k to €7k.
01-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 1 day late
2024
30-06
Financial
Weakest financial yearnet €8k ▼62.8%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150kEq €151k ▲5.7%
6 profitable years in a row build equity to €151k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Liquidity quadruplescurrent ratio 5.81
Current ratio from 1.30 to 5.81; short-term debt falls from €121k to €14k.
2022
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Highest result since 2019net €23k ▲134%
Operating result €32k, net result €23k, both a record.
30-06
Financial
Equity above €100kEq €121k ▲23.3%
4 profitable years in a row build equity to €121k.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
24-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Grimbergen · 1 establishment unit since 2009
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.
Jetsestraat 591853 GrimbergenGround area
1,164 m²
Building footprint
498 m²
Volume, LiDAR
5,094 m³
2 parcels, Brussels, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MONA
since 20092.180.582.764
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0525/00X002 | Flanders | 959 m² | 1 · 371 m² | 15.3 m · 4 fl. |
| 21463D0190/00N006 | Brussels | 204 m² | 1 · 127 m² | 12.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HELOU
BE 0416.225.911
Heist-op-den-Berg · Eq €166k
MALTA
BE 0653.751.789
Heist-op-den-Berg · Eq €168k
ARGONYTHE
BE 0874.903.970
Ath · Eq €168k
DEKASSA
BE 0460.527.096
Anderlecht · Eq €169k
Bonheur de France
BE 0827.511.453
Gembloux · Eq €170k
Of 2,200 companies in sector 47711 we hold annual accounts for 889. 672 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-08-2009
Fiscal year end30-06
Activities, NACEBEL
47711Retail sale of women's outerwear
47713Retail trade
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46190Agents in non-specialised wholesale trade
47714Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.