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DFMH

Active
Private limited companyfounded 2022active for 4 yearsRue Paul Janson 4, 6182 Courcelles, BelgiumKBO/BCE: BE 0784.505.712
Summary

The computed 12-month bankruptcy probability of DFMH is 3.5% (moderate). The 2025 annual accounts show equity of €116,312 and a net result of €28,036. Equity has been growing by about 71% per year since 2022. Its solvency ranks better than 34% of 22,817 sector peers (NACE 47, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 05-04-2022 Normal situation
Activity
Retail sale of beverages, general range NACE 47252and 3 others
Establishment unit
2.330.243.470 6182 Courcelles, since 05-04-2022
Financial year end
31 December
Peppol
Reachable since 03-11-2025

Board and ownership

Shareholders
  • Damay Françoisdeed of 27-02-2025

Financial position

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.5%
Annual accounts 2025
Gross margin
€850
▼ 88.6%
Turnover
≈ €14,000
estimated
Profit
€28,036
▼ 52.5%
Equity
€116,312
▲ 31.8%
Total assets
€744,742
▲ 2.3%
Score breakdownraises riskLiquidity: current ratio 0.25, cash €193, halvedFounded in 20221 change of registered office in 24 monthslowers riskFigures for financial year 2025 (filed on 23-07-2026)Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 46% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 41+4
equity 15.6% of total assets
Liquidity 48-3
short-term debt 13.1% · cash 0.0%
Profitability 24-8
return on assets 3.8%
Bankruptcy probability within 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,278 companies, NACE 47, micro)
Last 24 months 12-2024: 2.6% 01-2025: 2.4%▼ -0.2 percentage points vs 12-2024 02-2025: 2.4%● unchanged vs 01-2025 03-2025: 4.1%▲ +1.7 percentage points vs 02-2025 04-2025: 4.7%▲ +0.6 percentage points vs 03-2025 05-2025: 5.4%▲ +0.7 percentage points vs 04-2025 06-2025: 5.5%▲ +0.1 percentage points vs 05-2025 07-2025: 5.5%● unchanged vs 06-2025highest value 08-2025: 1.8%▼ -3.7 percentage points vs 07-2025 09-2025: 1.8%● unchanged vs 08-2025 10-2025: 1.8%● unchanged vs 09-2025 11-2025: 1.8%● unchanged vs 10-2025 12-2025: 1.6%▼ -0.2 percentage points vs 11-2025lowest value 01-2026: 1.6%● unchanged vs 12-2025lowest value 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026 04-2026: 2.0%▲ +0.4 percentage points vs 03-2026 05-2026: 2.7%▲ +0.7 percentage points vs 04-2026 06-2026: 3.0%▲ +0.3 percentage points vs 05-2026 07-2026: 3.2%▲ +0.2 percentage points vs 06-2026 08-2026: 3.4%▲ +0.2 percentage points vs 07-2026 09-2026: 3.5%▲ +0.1 percentage points vs 08-2026 10-2026: 3.5%● unchanged vs 09-2026 11-2026: 3.5%● unchanged vs 10-2026
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.25 (0.12 in 2024), below 1. Short-term debt is 13.1% and cash 0% of total assets. 84.4% of the assets are financed with debt and provisions.
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 47, micro). It does better than 32% of them on solvency, 48% on liquidity, 23% on profitability and 80% on growth.

The bankruptcy probability was computed on 04-11-2026 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 moderate class on 30-06-2025, 2.4% 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).

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

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 0.25, cash €193, halved
NBB · annual accounts
raises risk · Founded in 2022
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Figures for financial year 2025 (filed on 23-07-2026)
NBB · annual accounts
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
8 days early
2024
13 days early
2023
26 days early
2022
11 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 15 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 19 July (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Key points

  • Larger balance sheet than 92% of companies in retail tradesector median €149,985 · 22,826 companies €744,742 View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Registered office moved from Charleroi to SouvretNew registered office: rue Paul Janson, 4 à 6182 Souvret · Previous registered office: rue de la Paix, 100 à 6061 Charleroi · Damay François holds all the shares
  2. · Gazette deed IncorporationFounding capital of €10,000, 400 shares · Founder: DAMAY François Marie · Appointment: DAMAY François Marie (director)
All 9 events

Comparable companies

These companies have the same main activity as DFMH: retail sale of beverages, general range (NACE 47252). They are comparable in size and age: total assets between €238,000 and €512,000, founded between 2019 and 2022.

CompanyTotal assetsGross margin
DFMH Courcelles€744,742€850
LTB Vilvoorde€366,977-€712
Ôsan Rixensart€512,428-€127,697
Pomton Antwerp€414,484-€95,318
Vingt vingt Nandrin€270,303-€29,873
CAF Invest Kontich€258,571-€25,447
De Promotiewinkel Tongeren-Borgloon€237,731-€3,999
Full comparison

Key facts about DFMH

What is the company number of DFMH?
The company number of DFMH is 0784.505.712. The VAT number is the same number with BE in front: BE 0784.505.712.
Where is DFMH based?
The registered office is at Rue Paul Janson 4, 6182 Courcelles.Company details
What does DFMH do?
According to the KBO register, the main activity is retail sale of beverages, general range (NACE 47252).
What is the legal form of DFMH?
DFMH is a private limited company (BV).
When was DFMH founded?
DFMH was founded on 05-04-2022.
Is DFMH still active?
Yes, DFMH is an active enterprise in the KBO register.
What is the turnover of DFMH?
The turnover in financial year 2025 is ≈ €14,000. This figure is estimated from the gross margin of €850 and 93 comparable companies (NACE 472). It probably lies between €6,600 and €28,000. It is a rough estimate.Financials
Is DFMH profitable?
In financial year 2025, DFMH made a profit of €28,036.
Where can I find the annual accounts of DFMH?
DFMH filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of DFMH due?
DFMH must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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