DELUY
ActiveSummary
The computed 12-month bankruptcy probability of DELUY is 4.5% (elevated). The 2024 annual accounts show equity of €16,283 and a net result of -€4,069. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 88% of 26040 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability50▼-19
Solvency100▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 4.9 against 3.04 in 2023; short-term debt: 19.4% and cash: 27.4% of total assets), and 19.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Retail trade (NACE 47)
about 45% 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
80.6%
Return on assets
-20.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
27 d late
2022
36 d late
2021
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 31 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€16,283▼ 20.0%
2023 · €20,352
Total assets
€20,203▼ 27.6%
2023 · €27,890
Net result
-€4,069
2023 · €106
Working capital
€15,293▼ 0.4%
2023 · €15,362
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
Line2021202220232024
Operating result€9,086-€9,645▲ 6.1%€7,278▼ 24.5%-€1,888
Net result€9,079-€9,167▲ 1.0%€106▼ 98.8%-€4,069
Equity€11,079-€20,246▲ 82.7%€20,352▲ 0.5%€16,283▼ 20.0%
Total assets€42,560-€59,132▲ 38.9%€27,890▼ 52.8%€20,203▼ 27.6%
Debt€31,481-€38,885▲ 23.5%€7,538▼ 80.6%€3,920▼ 48.0%
Working capital-€1,771-€11,256€15,362▲ 36.5%€15,293▼ 0.4%
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 2024: a loss of €1,888 after €7,278 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €20,203
Fixed assets
€990 ▼ 80.2%
Current assets
€19,213 ▼ 16.1%
Equity and liabilities €20,203
Equity
€16,283 ▼ 20.0%
Debt
€3,920 ▼ 48.0%
Debt's share of the balance-sheet total falls from 27.0% to 19.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2,112▼
2023 · €11,278
Cash flow
-€69▼
2023 · €4,106
Current ratio
4.90▲
2023 · 3.04
Quick ratio
2.65▲
2023 · 1.76
Debt to equity
0.24▼
2023 · 0.37
ROE
-25.0%▼
2023 · 0.5%
ROA
-20.1%▼
2023 · 0.4%
Interest coverage
16.12▲
2023 · 6.88
Debt ≤ 1 year
€3,920▼
2023 · €7,538
Income taxes
€2,050▼
2023 · €5,535
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,595 companies that looked in July 2024 the way this one looks now, 2.8% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.8%
went bankrupt
9.3%
stopped otherwise
87%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,595 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,992 | €4,000 | €4,000 | €4,000 | = |
| Other operating charges640/8 | €753 | €348 | €3,219 | €729 | ▼ 77.3% |
| Gross operating margin9900 | €14,832 | €13,992 | €14,497 | €2,841 | ▼ 80.4% |
| Operating profit (loss)9901 | €9,086 | €9,645 | €7,278 | -€1,888 | ▼ 126% |
| Financial income75/76B | - | - | €2 | - | - |
| Recurring financial income75 | - | - | €2 | - | - |
| Financial charges65/66B | €7 | €477 | €1,639 | €131 | ▼ 92.0% |
| Recurring financial charges65 | €7 | €477 | €1,639 | €131 | ▼ 92.0% |
| Profit (loss) for the period before taxes9903 | €9,079 | €9,167 | €5,641 | -€2,019 | ▼ 136% |
| Income taxes67/77 | - | - | €5,535 | €2,050 | ▼ 63.0% |
| Profit (loss) for the period9904 | €9,079 | €9,167 | €106 | -€4,069 | ▼ 3,955% |
| Profit (loss) for the period to be appropriated9905 | €9,079 | €9,167 | €106 | -€4,069 | ▼ 3,955% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €42,560 | €59,132 | €27,890 | €20,203 | ▼ 27.6% |
| Fixed assets21/28 | €12,850 | €8,990 | €4,990 | €990 | ▼ 80.2% |
| Tangible fixed assets22/27 | €12,000 | €8,000 | €4,000 | - | - |
| Furniture and vehicles24 | €12,000 | €8,000 | €4,000 | - | - |
| Financial fixed assets28 | €850 | €990 | €990 | €990 | = |
| Current assets29/58 | €29,710 | €50,142 | €22,900 | €19,213 | ▼ 16.1% |
| Stocks and contracts in progress3 | €4,740 | €1,480 | €9,625 | €8,840 | ▼ 8.2% |
| Stocks30/36 | €4,740 | €1,480 | €9,625 | €8,840 | ▼ 8.2% |
| Amounts receivable within one year40/41 | €14,929 | €33,624 | €3,866 | €3,437 | ▼ 11.1% |
| Trade receivables40 | €10,867 | €33,624 | €3,866 | €3,437 | ▼ 11.1% |
| Other amounts receivable41 | €4,062 | - | - | - | - |
| Cash at bank and in hand54/58 | €9,371 | €13,924 | €8,021 | €5,535 | ▼ 31.0% |
| Deferred charges and accrued income490/1 | €669 | €1,114 | €1,388 | €1,400 | ▲ 0.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €42,560 | €59,132 | €27,890 | €20,203 | ▼ 27.6% |
| Equity10/15 | €11,079 | €20,246 | €20,352 | €16,283 | ▼ 20.0% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Outside capital11 | €2,000 | €2,000 | - | - | - |
| Other1109/19 | €2,000 | €2,000 | - | - | - |
| Profit (loss) carried forward14 | €9,079 | €18,246 | €18,352 | €14,283 | ▼ 22.2% |
| Amounts payable17/49 | €31,481 | €38,885 | €7,538 | €3,920 | ▼ 48.0% |
| Amounts payable within one year42/48 | €31,481 | €38,885 | €7,538 | €3,920 | ▼ 48.0% |
| Trade debts44 | €26,774 | €33,106 | €5,159 | €934 | ▼ 81.9% |
| Suppliers440/4 | €26,774 | €33,106 | €5,159 | €934 | ▼ 81.9% |
| Taxes, remuneration and social security45 | €442 | €804 | €1,131 | €1,736 | ▲ 53.4% |
| Taxes450/3 | €442 | €804 | €1,131 | €1,648 | ▲ 45.7% |
| Remuneration and social security454/9 | - | - | - | €88 | - |
| Other amounts payable47/48 | €4,265 | €4,976 | €1,248 | €1,250 | ▲ 0.2% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,079 | €9,167 | €106 | -€4,069 | ▼ 3,955% |
| + Depreciation and write-downs630 | €4,992 | €4,000 | €4,000 | €4,000 | = |
| Operating cash flow (approximation) | €14,071 | €13,167 | €4,106 | -€69 | ▼ 102% |
| Investment in fixed assets (approximation) | - | -€140 | €0 | €0 | - |
| Change in cash | - | €4,553 | -€5,903 | -€2,486 | ▲ 57.9% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€4,069
Net result drops to -€4,069, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.04
Current ratio from 1.29 to 3.04; short-term debt falls from €38,885 to €7,538.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
31-12
Financial
Highest result since 2021net €9,167 ▲1%
Operating result €9,645, net result €9,167, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Anderlecht · 1 establishment unit since 2020
Ground area
146 m²
Building footprint
83 m²
Volume, LiDAR
721 m³
Parcel 21302A0019/00K016, Brussels · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DELUY
since 20202.310.508.524
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0019/00K016 | Brussels | 146 m² | 1 · 83 m² | 10.1 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 12,956 companies in sector 47120 we hold annual accounts for 2,192. 1,357 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
Founded08-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
70200Business and other management consultancy
Contact
E-mail
info@deluy.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0759548008
Registered
25-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.