DFMH
ActiveThe computed 12-month bankruptcy probability of DFMH is 1.9% (moderate). The 2025 annual accounts show equity of €116k and a net result of €28k. Equity is growing by ~71.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 17964 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency10▲+2
Growth78=
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.25 against 0.12 in 2024), and 84.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
15.6%
Return on assets
3.8%
Age of the figures
8 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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
13 d early
2023
26 d early
2022
11 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 31.8%
2024 · €88k
2022: €-5k
2023: €29k
2024: €88k
2022 → 2025
Total assets
€745k▲ 2.3%
2024 · €728k
2022: €729k
2023: €730k
2024: €728k
2022 → 2025
Net result
€28k▼ 52.5%
2024 · €59k
2022: €-15k
2023: €34k
2024: €59k
2022 → 2025
Working capital
€-73k▼ 27.0%
2024 · €-57k
2022: €-70k
2023: €-75k
2024: €-57k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-5k-€29k€88k▲ 201%€116k▲ 31.8%
Operating result€7k-€2k▼ 69.9%€5k▲ 116%€-211
Net result€-15k-€34k€59k▲ 71.3%€28k▼ 52.5%
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 2025: a loss of €211 after €5k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €745k
Fixed assets
€720k=
Current assets
€25k▲ 208%
Equity and liabilities €745k
Equity
€116k▲ 31.8%
Debt
€628k▼ 1.8%
The debt ratio falls from 87.9% to 84.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€96▼
2024 · €7k
Cash flow
€28k▼
2024 · €61k
Solvency
15.6%▲
2024 · 12.1%
Current ratio
0.25▲
2024 · 0.12
Quick ratio
0.25▲
2024 · 0.12
Debt / equity
5.40▼
2024 · 7.25
ROE
24.1%▼
2024 · 66.8%
ROA
3.8%▼
2024 · 8.1%
Interest coverage
0.01▼
2024 · 0.42
Debt
€628k▼
2024 · €640k
Debt ≤ 1 year
€98k▲
2024 · €65k
Debt > 1 year
€531k▼
2024 · €575k
Income taxes
€75▲
2024 · €68
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€728k€745k▲
Fixed assets21/28€720k€720k=
Tangible fixed assets22/27€308€0▼
Furniture and vehicles24€308€0▼
Financial fixed assets28€720k€720k=
Current assets29/58€8k€25k▲
Amounts receivable within one year40/41€1k€24k▲
Trade receivables40€1k€24k▲
Cash at bank and in hand54/58€6k€193▼
Deferred charges and accrued income490/1€626€239▼
Equity and liabilities
Total equity and liabilities10/49€728k€745k▲
Equity10/15€88k€116k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€78k€106k▲
Amounts payable17/49€640k€628k▼
Amounts payable after more than one year17€575k€531k▼
Financial debts170/4€575k€531k▼
Amounts payable within one year42/48€65k€98k▲
Current portion of amounts payable after more than one year42€43k€44k▲
Trade debts44€2k€862▼
Suppliers440/4€2k€862▼
Taxes, remuneration and social security45€6k€28k▲
Taxes450/3€6k€4k▼
Remuneration and social security454/9€250€24k▲
Other amounts payable47/48€14k€24k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€308▼
Other operating charges640/8€929€754▼
Gross operating margin9900€7k€850▼
Operating profit (loss)9901€5k€-211▼
Financial income75/76B€70k€43k▼
Recurring financial income75€70k€43k▼
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€59k€28k▼
Income taxes67/77€68€75▲
Profit (loss) for the period9904€59k€28k▼
Profit (loss) for the period to be appropriated9905€59k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€106k▲
Profit (loss) brought forward from the previous period14P€19k€78k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €116k ▲31.8%
3 profitable years in a row build equity to €116k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €59k ▲71.3%
Net result €59k, the highest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Courcelles · 1 establishment unit since 2022
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.
Rue Paul Janson(ST) 46182 CourcellesGround area
3,391 m²
Building footprint
144 m²
Volume, LiDAR
1,356 m³
Parcel 52064B0132/00A004, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DFMH
since 20222.330.243.470
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52064B0132/00A004 | Wallonia | 3,391 m² | 1 · 144 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
St-GRAAL
BE 0811.184.076
Mettet · Eq €116k
LEGRAND EURODRINK
BE 0479.189.007
Esneux · Eq €115k
EUROPEAN MASTER FOOD
BE 0824.792.978
Koekelberg · Eq €119k
Ginger & Ginger
BE 0753.397.812
Lier · Eq €119k
HET TOLHUIS
BE 0479.737.056
Begijnendijk · Eq €121k
Of 1,504 companies in sector 47252 we hold annual accounts for 651. 503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2022
Fiscal year end31-12
Activities, NACEBEL
47252Retail sale of beverages, general range
46190Agents in non-specialised wholesale trade
47120Other non-specialised retail sale
47910Retail trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.