DELTA
ActiveSummary
DELTA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €238k and a net result of €12k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 15865 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2022
Profitability43▼-5
Solvency73▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity ample (current ratio 3.71 against 2.76 in 2022; short-term debt: 26.9% and cash: 1.4% of total assets), but 51.9% of the assets are financed with debt.
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Signals
Six 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
48.1%
Return on assets
2.4%
Age of the figures
24 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 148 days later.
NBB · 10 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline25-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 17-07-2025, 78 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
78 d late
2022
415 d late
2021
373 d late
2020
130 d late
2019
236 d late
2018
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k▼ 50.0%
2022 · €23k
Working capital
€361k▲ 4.9%
2022 · €344k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182020202120222024
Operating result€18k-€43k-€-23k€12k€-1k-
Net result€25k-€47k-€-2k€23k€12k-
Equity€137k-€198k-€196k▼ 1.1%€219k▲ 11.9%€238k-
Total assets€455k-€513k-€503k▼ 1.9%€540k▲ 7.5%€495k-
Debt€194k-€191k-€183k▼ 4.1%€198k▲ 7.9%€133k-
Working capital€273k-€321k-€320k▼ 0.3%€344k▲ 7.7%€361k-
Staff (FTE)0.7-
Result per fiscal year
Operating resultNet result
The operating result is €-1k in 2024, compared with €12k in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2024 in colour, 2022 as the grey bar beneath
Assets €495k
Fixed assets
€546 =
Current assets
€494k ▼ 8.4%
Equity and liabilities €495k
Equity
€238k ▲ 8.7%
Provisions
€123k =
Debt
€133k ▼ 32.6%
Debt's share of the balance-sheet total falls from 36.6% to 26.9%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
3.71▲
2022 · 2.76
Debt to equity
0.56▼
2022 · 0.90
ROE
4.9%▼
2022 · 10.7%
ROA
2.4%▼
2022 · 4.3%
Debt ≤ 1 year
€133k▼
2022 · €196k
Income taxes
€8k▼
2022 · €20k
Staff costs
€344▲
2022 · €-46
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €16k | €-46 | €344 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €4k | €275 | - | - | - |
| Other operating charges640/8 | - | - | €6k | €3k | €2k | - |
| Non-recurring operating charges66A | - | - | - | €70 | €2k | - |
| Gross operating margin9900 | €63k | €78k | €-950 | €15k | €3k | - |
| Operating profit (loss)9901 | €18k | €43k | €-23k | €12k | €-1k | - |
| Financial income75/76B | - | - | €29k | €31k | €28k | - |
| Recurring financial income75 | €34k | €43k | €29k | €31k | €28k | - |
| Financial charges65/66B | - | - | €909 | €90 | €7k | - |
| Recurring financial charges65 | €12k | €39 | €909 | €90 | €3k | - |
| Non-recurring financial charges66B | - | - | - | - | €5k | - |
| Profit (loss) for the period before taxes9903 | €40k | €85k | €6k | €43k | €20k | - |
| Income taxes67/77 | €15k | €38k | €8k | €20k | €8k | - |
| Profit (loss) for the period9904 | €25k | €47k | €-2k | €23k | €12k | - |
| Profit (loss) for the period to be appropriated9905 | €25k | €47k | €-2k | €23k | €12k | - |
| Line | 2018 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €455k | €513k | €503k | €540k | €495k | - |
| Fixed assets21/28 | €9k | €821 | €546 | €546 | €546 | - |
| Tangible fixed assets22/27 | €8k | €275 | - | - | - | - |
| Financial fixed assets28 | €546 | €546 | €546 | €546 | €546 | - |
| Current assets29/58 | €446k | €512k | €502k | €540k | €494k | - |
| Amounts receivable within one year40/41 | €443k | €478k | €493k | €533k | €486k | - |
| Trade receivables40 | - | - | €18k | €27k | €7k | - |
| Other amounts receivable41 | - | - | €475k | €506k | €479k | - |
| Cash at bank and in hand54/58 | €2k | €33k | €9k | €6k | €7k | - |
| Deferred charges and accrued income490/1 | - | - | €335 | €548 | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €455k | €513k | €503k | €540k | €495k | - |
| Equity10/15 | €137k | €198k | €196k | €219k | €238k | - |
| Contributions10/11 | €6k | - | €6k | €6k | €6k | - |
| Outside capital11 | - | - | €6k | €6k | €6k | - |
| Other1109/19 | - | - | €6k | €6k | €6k | - |
| Reserves13 | €2k | €192k | €190k | €213k | €232k | - |
| Non-distributable reserves130/1 | - | - | €2k | €2k | €2k | - |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | - |
| Distributable reserves133 | - | - | €188k | €211k | €230k | - |
| Profit (loss) carried forward14 | €129k | €129k | - | - | - | - |
| Provisions and deferred taxes16 | €123k | €123k | €123k | €123k | €123k | - |
| Provisions for liabilities and charges160/5 | - | - | €123k | €123k | €123k | - |
| Pensions and similar obligations160 | - | - | €123k | €123k | €123k | - |
| Amounts payable17/49 | €194k | €191k | €183k | €198k | €133k | - |
| Amounts payable within one year42/48 | €172k | €191k | €182k | €196k | €133k | - |
| Trade debts44 | €34k | €47k | €57k | €31k | €37k | - |
| Suppliers440/4 | - | - | €57k | €31k | €37k | - |
| Advances received on contracts in progress46 | - | - | - | - | €5k | - |
| Taxes, remuneration and social security45 | - | - | €55k | €71k | €69k | - |
| Taxes450/3 | - | - | €55k | €71k | €69k | - |
| Other amounts payable47/48 | - | - | €70k | €94k | €22k | - |
| Accrued charges and deferred income492/3 | - | - | €1k | €2k | - | - |
| Line | 2018 | 2020 | 2021 | 2022 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25k | €47k | €-2k | €23k | €12k | - |
| + Depreciation and write-downs630 | €4k | €4k | €275 | - | - | - |
| Operating cash flow (approximation) | €29k | €52k | €-2k | €23k | €12k | - |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | - | - |
| Change in cash | - | - | €-24k | €-2k | - | - |
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
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 78 days late
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 415 days late
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 373 days late
2022
30-09
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-09
Financial
Equity above €200kEq €219k ▲11.9%
Equity rises from €196k to €219k.
2021
30-09
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 130 days late
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 236 days late
30-09
Financial
Highest result since 2018net €47k ▲91.7%
Operating result €43k, net result €47k, both a record.
30-09
Financial
Equity above €150kEq €198k ▲44.7%
2 profitable years in a row build equity to €198k.
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 38 days late
Show earlier events
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
21-04
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
20-05
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Tournai · 1 establishment unit since 2001
Ground area
173 m²
Building footprint
60 m²
Volume, LiDAR
542 m³
Parcel 57081E0266/00G000, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DELTA
since 20012.101.314.067
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081E0266/00G000 | Wallonia | 173 m² | 1 · 60 m² | 9.8 m · 3 fl. |
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.
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Of 6,149 companies in sector 46190 we hold annual accounts for 2,571. 1,813 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)
Founded12-01-2001
Fiscal year end30-09
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
68310Real estate agency activities
Contact
E-mail
info@deltaimmobilier.beTournai
Phone
069/23.28.88Tournai
Scores and ratios are computed by Checked and are not a credit decision.