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DHZ

Active
Private limited companyfounded 20232 yrs activeStationsplein 6b, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 1001.192.923
Summary

The computed 12-month bankruptcy probability of DHZ is 1.8% (moderate). The 2024 annual accounts show equity of €451,495 and a net result of €451,495. Its solvency ranks better than 78% of 26040 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
59 / 100
Fair
A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes
Profitability90
Solvency92
Growth-
Track record67
Bankruptcy probability, 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.63; short-term debt: 33.5% and cash: 37.9% of total assets), and 33.5% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2024
Solvency, return and age of the figures
Solvency
66.5%
Return on assets
66.5%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-11-2025, 102 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 1 filing
Deviation from the deadline
2024
102 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 102 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 13 October 2023, DHZ was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Turnover
€3.9m
EBIT margin
11.6%
Net result
€451,495
Working capital
€371,361

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €678,648
Fixed assets €80,134
Current assets €598,514
Equity and liabilities €678,648
Equity €451,495
Debt €227,153
Debt finances 33.5% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€471,534
Cash flow
€471,528
Current ratio
2.63
Quick ratio
2.47
Debt to equity
0.50
ROE
100.0%
ROA
66.5%
Interest coverage
18135.92
Debt ≤ 1 year
€227,153
Staff costs
€254,854

Peer companies

Historical observation

Of the 3,126 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 97% are still going.

  • Small
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.8% went bankrupt
1.9% stopped otherwise
97% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,126 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 36 lines
Balance sheet Code2024
Assets
Total assets20/58€678,648
Fixed assets21/28€80,134
Tangible fixed assets22/27€80,134
Furniture and vehicles24€80,134
Current assets29/58€598,514
Stocks and contracts in progress3€38,127
Stocks30/36€38,127
Amounts receivable within one year40/41€303,488
Trade receivables40€127,364
Other amounts receivable41€176,124
Cash at bank and in hand54/58€256,899
Equity and liabilities
Total equity and liabilities10/49€678,648
Equity10/15€451,495
Profit (loss) carried forward14€451,495
Amounts payable17/49€227,153
Amounts payable within one year42/48€227,153
Trade debts44€128,823
Suppliers440/4€128,823
Taxes, remuneration and social security45€79,471
Taxes450/3€27,030
Remuneration and social security454/9€52,441
Other amounts payable47/48€18,859
Income statement Code2024
Turnover70€3.9m
Goods, raw materials, services and sundry goods60/61€3.2m
Remuneration, social security and pensions62€254,854
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,033
Gross operating margin9900€726,388
Operating profit (loss)9901€451,501
Financial income75/76B€20
Recurring financial income75€20
Financial charges65/66B€26
Recurring financial charges65€26
Profit (loss) for the period before taxes9903€451,495
Profit (loss) for the period9904€451,495
Profit (loss) for the period to be appropriated9905€451,495
Appropriation of the result
Profit (loss) to be appropriated9906€451,495

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Turnover70€3.9m
Goods, raw materials, services and sundry goods60/61€3.2m
Remuneration, social security and pensions62€254,854
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,033
Gross operating margin9900€726,388
Operating profit (loss)9901€451,501
Financial income75/76B€20
Recurring financial income75€20
Financial charges65/66B€26
Recurring financial charges65€26
Profit (loss) for the period before taxes9903€451,495
Profit (loss) for the period9904€451,495
Profit (loss) for the period to be appropriated9905€451,495
Line2024
Assets
Total assets20/58€678,648
Fixed assets21/28€80,134
Tangible fixed assets22/27€80,134
Furniture and vehicles24€80,134
Current assets29/58€598,514
Stocks and contracts in progress3€38,127
Stocks30/36€38,127
Amounts receivable within one year40/41€303,488
Trade receivables40€127,364
Other amounts receivable41€176,124
Cash at bank and in hand54/58€256,899
Equity and liabilities
Total equity and liabilities10/49€678,648
Equity10/15€451,495
Profit (loss) carried forward14€451,495
Amounts payable17/49€227,153
Amounts payable within one year42/48€227,153
Trade debts44€128,823
Suppliers440/4€128,823
Taxes, remuneration and social security45€79,471
Taxes450/3€27,030
Remuneration and social security454/9€52,441
Other amounts payable47/48€18,859
Line2024
Profit (loss) for the period9904€451,495
+ Depreciation and write-downs630€20,033
Operating cash flow (approximation)€471,528

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
10-11
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 102 days late
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 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, Sint-Niklaas · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
5,605 m²
Building footprint
4,526 m²
Volume, LiDAR
29,793 m³
Parcel 46447B0397/07B000, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DHZ
Stationsplein 6b, 9100 Sint-NiklaasSupermarkets
since 20232.351.133.411
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46447B0397/07B000 Flanders 5,605 m² 1 · 4,526 m² 13.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Sint-Niklaas2.351.133.411
2 permissions
Toelating · Detailhandel · since 12-03-2024
Toelating · Vleeswinkel · since 12-03-2024

Similar companies · same sector, comparable size

Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 3,286 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded13-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47279Other retail sale of food
E-invoicing
Reachable via Peppol
Peppol ID 0208:1001192923
Registered 14-01-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.