DFC HOLDING
ActiveSummary
The computed 12-month bankruptcy probability of DFC HOLDING is 2.2% (moderate). The 2025 annual accounts show equity of €539,844 and a net result of €95,529. Equity remains stable across the filed fiscal years (±0.5% per year). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability45=
Solvency41▼-23
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.66 in 2024; short-term debt: 29.4% and cash: 2.3% of total assets), and 83.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
16.5%
Return on assets
2.9%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
16 d early
2023
26 d early
2022
23 d early
2021
24 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 5 accounts on average 18 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 8 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€95,529▼ 0.7%
2024 · €96,176
Working capital
-€887,310▼ 2,266%
2024 · -€37,497
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
Line20212022202320242025
Operating result-€3,200--€1,062▲ 66.8%-€2,032▼ 91.3%-€1,053▲ 48.2%-€1,290▼ 22.5%
Net result€1.2m--€24,799€51,429€96,176▲ 87.0%€95,529▼ 0.7%
Equity€1.2m-€1.1m▼ 2.1%€1.2m▲ 4.5%€1.3m▲ 8.0%€539,844▼ 58.2%
Total assets€3.4m-€3.3m▼ 3.4%€3.3m▼ 1.3%€3.3m=€3.3m=
Debt€2.3m-€2.2m▼ 4.1%€2.1m▼ 4.3%€2.0m▼ 4.6%€2.7m▲ 38.0%
Working capital€123,663-€5,411▼ 95.6%-€37,825-€37,497▲ 0.9%-€887,310▼ 2,266%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1,290 in 2025 against €1,053 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.3m
Fixed assets
€3.2m =
Current assets
€74,032 ▼ 0.4%
Equity and liabilities €3.3m
Equity
€539,844 ▼ 58.2%
Debt
€2.7m ▲ 38.0%
Debt's share of the balance-sheet total rises from 60.5% to 83.5%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.08▼
2024 · 0.66
Debt to equity
5.06▲
2024 · 1.53
ROE
17.7%▲
2024 · 7.4%
ROA
2.9%▼
2024 · 2.9%
Debt ≤ 1 year
€961,342▲
2024 · €111,855
Debt > 1 year
€1.8m▼
2024 · €1.9m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €348 | €960 | €968 | €998 | ▲ 3.2% |
| Gross operating margin9900 | -€3,200 | -€715 | -€1,072 | -€85 | -€291 | ▼ 242% |
| Operating profit (loss)9901 | -€3,200 | -€1,062 | -€2,032 | -€1,053 | -€1,290 | ▼ 22.5% |
| Financial income75/76B | €1.2m | €0 | €76,000 | €118,600 | €117,022 | ▼ 1.3% |
| Recurring financial income75 | €1.2m | €0 | €76,000 | €118,600 | €117,022 | ▼ 1.3% |
| Financial charges65/66B | €32,799 | €23,737 | €22,539 | €21,371 | €20,204 | ▼ 5.5% |
| Recurring financial charges65 | €32,799 | €23,737 | €22,539 | €21,371 | €20,204 | ▼ 5.5% |
| Profit (loss) for the period before taxes9903 | €1.2m | -€24,799 | €51,429 | €96,176 | €95,529 | ▼ 0.7% |
| Profit (loss) for the period9904 | €1.2m | -€24,799 | €51,429 | €96,176 | €95,529 | ▼ 0.7% |
| Profit (loss) for the period to be appropriated9905 | €1.2m | -€24,799 | €51,429 | €96,176 | €95,529 | ▼ 0.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.4m | €3.3m | €3.3m | €3.3m | €3.3m | = |
| Fixed assets21/28 | €3.2m | €3.2m | €3.2m | €3.2m | €3.2m | = |
| Financial fixed assets28 | €3.2m | €3.2m | €3.2m | €3.2m | €3.2m | = |
| Current assets29/58 | €231,991 | €114,901 | €72,840 | €74,359 | €74,032 | ▼ 0.4% |
| Amounts receivable within one year40/41 | €120,238 | €0 | - | - | - | - |
| Other amounts receivable41 | €120,238 | €0 | - | - | - | - |
| Cash at bank and in hand54/58 | €111,754 | €114,901 | €72,840 | €74,359 | €74,032 | ▼ 0.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.4m | €3.3m | €3.3m | €3.3m | €3.3m | = |
| Equity10/15 | €1.2m | €1.1m | €1.2m | €1.3m | €539,844 | ▼ 58.2% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €1.2m | €1.1m | €1.2m | €1.3m | €534,844 | ▼ 58.5% |
| Amounts payable17/49 | €2.3m | €2.2m | €2.1m | €2.0m | €2.7m | ▲ 38.0% |
| Amounts payable after more than one year17 | €2.2m | €2.1m | €2.0m | €1.9m | €1.8m | ▼ 5.2% |
| Other amounts payable178/9 | €2.2m | €2.1m | €2.0m | €1.9m | €1.8m | ▼ 5.2% |
| Amounts payable within one year42/48 | €108,329 | €109,490 | €110,665 | €111,855 | €961,342 | ▲ 759% |
| Current portion of amounts payable after more than one year42 | €92,329 | €93,490 | €94,665 | €95,855 | €97,060 | ▲ 1.3% |
| Taxes, remuneration and social security45 | €4,800 | €4,800 | €4,800 | €4,800 | €4,800 | = |
| Taxes450/3 | €4,800 | €4,800 | €4,800 | €4,800 | €4,800 | = |
| Other amounts payable47/48 | €11,200 | €11,200 | €11,200 | €11,200 | €859,482 | ▲ 7,574% |
| Accrued charges and deferred income492/3 | - | €38 | €38 | €45 | €45 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.2m | -€24,799 | €51,429 | €96,176 | €95,529 | ▼ 0.7% |
| Operating cash flow (approximation) | €1.2m | -€24,799 | €51,429 | €96,176 | €95,529 | ▼ 0.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €3,147 | -€42,061 | €1,519 | -€327 | ▼ 121% |
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €51,429
Net result €51,429 after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet -€24,799
Net result drops to -€24,799, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Libramont-Chevigny · 1 establishment unit since 2020
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.
Libramont,Avenue de Bouillon 486800 Libramont-Chevigny1 establishment unit
Libramont,Avenue de Bouillon 48, 6800 Libramont-Chevigny
since 20202.331.584.941
Identification & contact
Identification
Legal formPrivate limited company
Founded20-08-2020
Fiscal year end31-12
Contact
E-mail
d.cop@cremer.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0752756622
Also
9925:BE0752756622
Registered
29-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.