Losses
-€1,599 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
DF&M
Lifetime
6 annual accounts with figures on one time axispeak €6,818 (2021)
€3,022▲ 81.0%
lowest -€1,070 (2024)
-€530▲ €540
peak €13,233 (2023)
€11,634▼ 4.4%
€8,309▲ 87.1%
Board1 name since 2019
1 directorDIERCKEN Kenny Beatrice Eric
Documentsfilings and deeds
18-03-2026135 days before the deadline
2025micro format
Gross margin from €1,670 to €3,022Loss of €530Debts from €4,441 to €8,309Cash from €6,072 to €8,025
Key points
from the 2025 annual accountsChecked score
68
Healthy
Financially stronger than 60% of micro companies in food and beverage service (NACE 56)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.5%▼ -0.1 percentage points vs 01-2025lowest value
03-2025: 1.0%▲ +0.5 percentage points vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.0%● unchanged vs 06-2025
08-2025: 1.0%● unchanged vs 07-2025
09-2025: 1.0%● unchanged vs 08-2025
10-2025: 1.1%▲ +0.1 percentage points vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025highest value
12-2025: 1.1%● unchanged vs 11-2025highest value
01-2026: 0.9%▼ -0.2 percentage points vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 0.9%● unchanged vs 07-2026
09-2026: 0.9%● unchanged vs 08-2026
10-2026: 0.9%● unchanged vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Size: total assets €19,943
Founded in 2019
lowers risk
Liquidity: current ratio 1.61, cash €8,025
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 75% of them on solvency, 83% on liquidity, 45% on profitability and 36% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,440 companies had the same profile as DF&M has now. Each dot stands for 9 companies, two years later.
90.1%
were still trading
7.4%
stopped another way
2.3%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DF&M itself: 0.9% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,440 companies, not a prediction for DF&M. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.61 (2.52 in 2024), above the usual 1.5. Short-term debt is 41.7% and cash 40.2% of total assets. 41.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 18-03-2026, 135 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
135 days early
2024
155 days early
2023
46 days early
2022
49 days early
2021
37 days early
2020
47 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 78 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 June (4 of the last 5 accounts filed within 86 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0736618889
Incorporation
Founding capital of €5,000 · Founder: DIERCKEN Kenny Beatrice Eric · Appointment: DIERCKEN Kenny Beatrice Eric (director) · published on 23-10-2019 · Gazette deed
First establishment
Olensteenweg 29, Kasterlee
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as DF&M: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €15,100 and €24,300, founded between 2017 and 2020.
Official details
Source: KBO- Status
- Active since 21-10-2019Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112and 1 other
- Establishment unit
- 2.295.776.6972460 Kasterlee, since 21-10-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Annual accounts 2025
- €19,943▲ 20.1%
- Filing
- Filed on 18-03-2026, 135 days before the end of the filing period
Insights on DF&M
DF&M files the micro format. That format states no turnover. The gross margin fell from €3,562 in 2020 to €3,022 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DF&M
- What is the company number of DF&M?
- The company number of DF&M is 0736.618.889. The VAT number is the same number with BE in front: BE 0736.618.889.
- Where is DF&M based?
- The registered office is at Olensteenweg 29, 2460 Kasterlee.Company details
- What does DF&M do?
- According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
- What is the legal form of DF&M?
- DF&M is a private limited company (BV).
- When was DF&M founded?
- DF&M was founded on 21-10-2019.
- Is DF&M still active?
- Yes, DF&M is an active enterprise in the KBO register.
- What is the turnover of DF&M?
- The turnover in financial year 2025 is ≈ €34,000. This figure is estimated from the gross margin of €3,022 and 133 comparable companies (NACE 56112). It probably lies between €21,000 and €57,000. It is a rough estimate.Financials
- Is DF&M profitable?
- In financial year 2025, DF&M made a loss of €530.
- Where can I find the annual accounts of DF&M?
- DF&M filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DF&M due?
- DF&M must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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