Skip to content

DF&M

Active Private limited companyfounded 2019active for 7 yearsOlensteenweg 29, 2460 KasterleeKBO/BCE: BE 0736.618.889

Overview

Lifetime

6 annual accounts with figures on one time axis
peak €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
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 accounts

Losses

-€1,599 in two years
-1,0702024-5302025

The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.

Turnover

≈ €34,000 estimated

The micro format states no turnover.

Filings

6 annual accounts since 2020
AprilJune31 JulyOctober202020222024

The last five annual accounts were filed 37 to 155 days before the end of the period.

Checked 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 strength
Strong

83-15equity 58.3% of total assets
80-5short-term debt 41.7% · cash 40.2%
65+4return on assets -2.7%

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
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a small loss

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.

The companies in ten equal groups, from the lowest to the highest expected share
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.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
lowers risk · Liquidity: current ratio 1.61, cash €8,025
NBB · annual accounts
raises risk · Size: total assets €19,943
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2019
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
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 filings
Deviation 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 months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

  • DIERCKEN Kenny Beatrice Eric founderdeed of 23-10-2019
Board & ownership

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
All 13 events

Comparable companies

same main activity, similar in size and age
Company
DF&M Kasterlee €19,943 €3,022 58.3% -
PLV2 Maldegem €24,257 €3,032 49.4% -
CAN Antwerp €18,366 €3,972 70.7% -
AVENIDA Antwerp €18,191 €3,452 -527.4% -
DBS STADE Evere €16,637 €2,830 -36.5% -
DVGO Rixensart €18,133 €2,960 -41.2% -
HS Maintenance Schaerbeek €15,088 €3,091 23.0% -

These 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
Company details

Annual accounts 2025

€3,022▲ 81.0%
€530▼ 50.5%
€11,634▼ 4.4%
€19,943▲ 20.1%
Filing
Filed on 18-03-2026, 135 days before the end of the filing period
Financials

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.

Financials

Annual accounts 2025

micro format, filed on 18-03-2026, 135 days before the deadline
€3,022
▲ 81.0%
-€393
▲ €567
-€530
▲ €540
€5,095
▼ 24.3%
58.3%
▼ 14.9 percentage points
1.61
▼ 0.90

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €34,000. Estimated: probably between €21,000 and €57,000.

Balance sheet

balance sheet total €19,943 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

58.3%

Higher than 75% of 17,153 companies in 2025.

1.61

Higher than 65% of 16,579 companies in 2025.

-2.7%

Higher than 30% of 16,662 companies in 2025.

DF&M Middle half of the sector 80% of the sector Micro accounts in food and beverage service (NACE 56)

Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 19,94316,60514,64020,72815,15817,605
21/28 6,5395,4343,1774,6651,574-
22/27 6,5395,4343,1774,6651,574-
23 5,1343,1042,1232,682--
24 1,4052,3301,0541,9831,574-
29/58 13,40411,17111,46316,06313,58417,605
3 2,354-----
30/36 2,354-----
40/41 3,0265,0993,4726,2453,276648
40 3,0264,6673,4116,0832,632-
41 -43261162644648
54/58 8,0256,0727,9919,81810,3088,704
490/1 -----8,253
Balance sheet: equity and liabilities
10/49 19,94316,60514,64020,72815,15817,605
10/15 11,63412,16413,23313,21612,0007,829
10/11 5,0005,0005,0005,0005,0005,000
13 6,6347,1648,2338,2167,000-
133 6,6347,1648,2338,2167,000-
14 -----2,829
17/49 8,3094,4411,4077,5123,1579,776
42/48 8,3094,4411,4077,5123,1369,776
44 4566-1,214205-
440/4 4566-1,214205-
46 -----8,373
45 68151,3101,4581,554-
450/3 68151,3101,4581,554-
47/48 8,1954,361974,8401,3771,403
492/3 ----22-
Income statement
9900 3,0221,6702,5663,2176,8183,562
630 2,3322,0631,488940492-
640/8 1,0835676475071,340673
9901 -393-9604311,7714,9862,889
75/76B ---2--
75 ---2--
65/66B 689573133-60
65 689573133-60
9903 -461-1,0553581,6394,9862,829
67/77 6815341423814-
9904 -530-1,070171,2164,1722,829
9905 -530-1,070171,2164,1722,829
Appropriation of the result
9906 -530-1,070171,2167,0002,829
14P ----2,829-
791/2 5301,070----
691/2 --171,2167,000-
6921 --171,2167,000-
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 18-03-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 18-03-2026 2026-00056308 PDF
31-12-2024 micro format 26-02-2025 2025-00039371 PDF
31-12-2023 micro format 15-06-2024 2024-00131607 PDF
31-12-2022 micro format 12-06-2023 2023-00118530 PDF
31-12-2021 micro format 24-06-2022 2022-20128560 PDF
31-12-2020 micro format 14-06-2021 2021-20200378 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
1,9391,1031,9192,7115,479-
1,8039941,5052,1564,664-
3,4374,32104,0312,066-
1,953-1,920-1,827-4901,604-
5,0956,72910,0568,55110,4487,829
58.3%73.3%90.4%63.8%79.2%44.5%
1.612.528.152.144.331.80
1.332.528.152.144.331.80
0.710.370.110.570.261.25
-4.6%-8.8%0.1%9.2%34.8%36.1%
-2.7%-6.4%0.1%5.9%27.5%16.1%
28.4311.6726.2820.33--

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€3,437€4,321-€4,031€2,066
€2,332€2,063€1,488€940€492

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on DF&M

The operating result for 2025 is a loss of €393, smaller than the loss of €960 in 2024.

Debt's share of the balance-sheet total rises from 26.7% to 41.7%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, since incorporation
Director
appointed by deed of 23-10-2019 term without a fixed end
listed in the 2025 annual accounts, filed on 18-03-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“De algemene vergadering kan het mandaat van een al dan niet in de statuten benoemde bestuurder steeds beëindigen wegens wettige reden…”
deed of 23-10-2019

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Board
Mandates as a list
  • DIERCKEN Kenny Beatrice Eric
    • Director, appointed by deed of 23-10-2019, still in office

See the board, name and registered office on a given date →

Control

This company
DF&M
Equity €11,634
Loss €530 in 2025

Capital

Contribution
€5,000
Source
deed of 23-10-2019

Articles of association

deed of 23-10-2019 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of June at 20:00
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Bevoegde ondernemingsrechtbank, artikelen 1025 en volgende Gerechtelijk Wetboek”

Founder

At incorporation deed of 23-10-2019 ↗

Network & group

No group

DF&M has no parent and no holdings in its annual accounts. DIERCKEN Kenny Beatrice Eric is the only director. DF&M shares no director with another company.

At the same address

Olensteenweg 29, 2460 Kasterlee · 2 other companies
Maison Marie
registered office since 14-01-2020 · founded in 2020
total assets €62,241 (2025)
0741.520.656
Twentynine-Projects
registered office since 03-09-2026
founded in 2026
1042.044.274

Timeline

Timeline

13 events since 2019

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed PDFmicro format · 135 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 155 days before the deadline
2024
Weakest financial year net -€1,070 The net result drops to -€1,070, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 46 days before the deadline
2023
Liquidity more than triples current ratio 8.15 The current ratio rises from 2.14 to 8.15. Short-term debt falls from €7,512 to €1,407.
Annual accounts 2022 filed PDFmicro format · 49 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 37 days before the deadline
2021
Highest result from 2020 to 2025 net €4,172 ▲47.5% The operating result of €4,986 and the net result of €4,172 are both a record.
Liquidity more than doubled current ratio 4.33 The current ratio rises from 1.80 to 4.33. Short-term debt falls from €9,776 to €3,136.
Annual accounts 2020 filed PDFmicro format · 47 days before the deadline
2020
Registered in the Peppol Directory Reachable for e-invoices through 0208:0736618889
2019
IncorporationFounding capital of €5,000 · Founder: DIERCKEN Kenny Beatrice Eric · Appointment: DIERCKEN Kenny Beatrice Eric (director) · published on 23-10-20194 points ▸

Open the deed in the Belgian Official Gazette

First establishment Olensteenweg 29, Kasterlee

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 21 October 2019, DF&M was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 DIERCKEN Kenny Beatrice Eric is director of the company, appointed by deed of 23-10-2019.2 Total assets went from €17,605 in 2020 to €19,943 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 23-10-2019
  3. 3National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0736.618.889
VAT number
BE 0736.618.889
Peppol ID
0208:0736618889
Other Peppol ID
9925:BE0736618889
Legal form
Private limited company
Status
Active, normal situation
Founded
21-10-2019
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of June at 20:00
deed of 23-10-2019 (in Dutch)
Peppol
Reachable since 20-11-2020Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
DF&M in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 23-10-2019 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Olensteenweg 29 bus A, 2460 Lichtaart”
deed of 23-10-2019 (in Dutch)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
56102 Limited-service restaurants main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“In en uitvoer,groot en kleinhandel,productie en vertegenwoordiging van voedingswaren; Tevens de in en uitvoer,groot en kleinhandel in…”
17 activities
  1. In en uitvoer,groot en kleinhandel,productie en vertegenwoordiging van voedingswaren
  2. Tevens de in en uitvoer,groot en kleinhandel in dranken,zowel alcoholisch als andere
  3. De distributie van voormelden goederen
  4. Het uitbaten en inrichten van één of meer restaurants,waaronder fastfoodzaken,verbruikerssalons,tavernes,standen op beurzen of festivals evenals alle drankgelegenheden
  5. Alle activiteiten in de horeca in de ruimste zin van het woord.
  6. In het bijzonder de verkoop aan de toog van eetwaren en dranken die ter plaatse worden verbruikt
  7. Aankoop en verkoop,import en export,groot en kleinhandel,huren of verhuren,herstelling en onderhoud,installatie en uitbating van alle horecatoestellen,uitrusting en toebehoren.
  8. Algemene managementactiviteiten
  9. Managementprestaties : het tussenkomen in het dagelijks bestuur,het vertegenwoordigen van bedrijven op grond van het bezit van of controle over het maatschappelijk kapitaal en andere managementactiviteiten.Het uitoefenen van de functie van bestuurder,zaakvoerder,directeur of vereffenaar van andere vennootschappen
  10. Patrimoniumbeheer : de uitbating van een onderneming voor onroerende goederen,meer bepaald het verwerven,vervreemden,beheren,uitbaten,verkavelen,huren en verhuren,het doen bouwen of verbouwen,promotie van onroerende goederen,evenals alle transacties en verrichtingen in onroerende goederen in de brede zin.
  11. De vennootschap mag om het even welke activiteiten uitoefenen dewelke de verwezenlijking van haar maatschappelijk doel kunnen bevorderen.
  12. Zij kan ook participeren in of een fusie aangaan met andere vennootschappen of ondernemingen die kunnen bijdragen tot haar ontwikkeling of deze in de hand werken.
  13. De vennootschap heeft tevens tot voorwerp het beheer en de uitbreiding voor eigen rekening van een patrimonium bestaande uit roerende en onroerende goederen zowel in het binnenland als in het buitenland alsmede alle handelingen die daar rechtstreeks of onrechtstreeks verband mee houden of die van aard zijn de opbrengst van haar goederen te bevorderen,zoals de aankoop en de verkoop,huur en verhuur,de ruiling of in het algemeen de verwerving of de overdracht van goederen zo roerende als onroerende,het onderhoud,de ontwikkeling,de verfraaiing en de verhuring van goederen,met uitzondering van die verrichtingen die verband houden met de normale activiteiten uitgeoefend door vastgoedmakelaars.
  14. De vennootschap mag voor eigen rekening of voor rekening van derden alle commerciële,industriële,financiële,burgerlijke,roerende en onroerende handelingen of verrichtingen stellen,die haar nuttig voorkomen om rechtstreeks of onrechtstreeks haar maatschappelijk doel te realiseren of de realisatie ervan te bevorderen of te vergemakkelijken.
  15. De vennootschap mag bij wijze van inbreng,opslorping,fusie,intekening of op enige andere wijze belangen nemen in alle ondernemingen,verenigingen of vennootschappen met een gelijkaardig of aanverwant doel.
  16. De vennootschap kan zich ten gunste van derden borg stellen of hen aval verlenen,hypothecaire of andere zekerheden verstrekken.
  17. De vennootschap kan de functie van bestuurder of zaakvoerder in andere vennootschappen waarnemen,mits naleving van artikel 2:55 WV.
deed of 23-10-2019 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Olensteenweg 29 registered office 2460 Kasterlee 46495 Wholesale trade 21-10-2019 2.295.776.697

Buildings and parcels at the address

Ground area
1,168 m²
Buildings
222 m²

Location

registered office establishment The establishment unit on the map
3 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
13018D0221/00R0071,168 m² 1 · 222 m² -