DIGIBIZ
ActiveSummary
DIGIBIZ has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56,850 and a net result of €6,393. Equity is growing by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▼-15
Solvency64▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.74 in 2024; short-term debt: 61% and cash: 15.9% of total assets), but 61% 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
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
56 d early
2023
56 d early
2022
61 d early
2021
7 d early
2020
4 d late
2018
2 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 6 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€56,850▲ 12.7%
2024 · €50,457
Total assets
€145,713▲ 23.2%
2024 · €118,290
Net result
€6,393▼ 47.1%
2024 · €12,091
Working capital
€56,850▲ 12.7%
2024 · €50,457
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€3,355€32,496€2,592▼ 92.0%€18,235▲ 603%€9,967▼ 45.3%
Net result-€1,569within the sector's middle half€21,806above the sector's middle half€1,697within the sector's middle half▼ 92.2%€12,091within the sector's middle half▲ 612%€6,393within the sector's middle half▼ 47.1%
Equity€14,862within the sector's middle half▲ 3,086%€36,668within the sector's middle half▲ 147%€38,365within the sector's middle half▲ 4.6%€50,457within the sector's middle half▲ 31.5%€56,850within the sector's middle half▲ 12.7%
Total assets€138,282within the sector's middle half▲ 94.6%€132,458within the sector's middle half▼ 4.2%€97,613within the sector's middle half▼ 26.3%€118,290within the sector's middle half▲ 21.2%€145,713within the sector's middle half▲ 23.2%
Debt€123,419▲ 74.8%€95,790▼ 22.4%€59,247▼ 38.1%€67,833▲ 14.5%€88,863▲ 31.0%
Working capital€14,862within the sector's middle half▲ 3,086%€36,668within the sector's middle half▲ 147%€38,365within the sector's middle half▲ 4.6%€50,457within the sector's middle half▲ 31.5%€56,850within the sector's middle half▲ 12.7%
Solvency10.7%within the sector's middle half▲ 10.1pp27.7%within the sector's middle half▲ 16.9pp39.3%within the sector's middle half▲ 11.6pp42.7%within the sector's middle half▲ 3.4pp39.0%within the sector's middle half▼ 3.6pp
Current ratio1.12within the sector's middle half▲ 0.111.38within the sector's middle half▲ 0.261.65within the sector's middle half▲ 0.261.74within the sector's middle half▲ 0.101.64within the sector's middle half▼ 0.10
Return on assets (ROA)-1.1%within the sector's middle half▼ 10.6pp16.5%above the sector's middle half▲ 17.6pp1.7%within the sector's middle half▼ 14.7pp10.2%within the sector's middle half▲ 8.5pp4.4%within the sector's middle half▼ 5.8pp
Staff (FTE)1.2▲ 20.0%0.6▼ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €145,713
Equity
€56,850 ▲ 12.7%
Debt
€88,863 ▲ 31.0%
Debt's share of the balance-sheet total rises from 57.3% to 61.0%. Equity and debt are higher.
Key figures and ratios
Debt to equity
1.56▲
2024 · 1.34
ROE
11.2%▼
2024 · 24.0%
Debt ≤ 1 year
€88,863▲
2024 · €67,833
Income taxes
€3,514▼
2024 · €6,404
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.8%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.4% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 10,905 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €17,347 | - | - | - | - |
| Other operating charges640/8 | - | €497 | €752 | - | €1,370 | - |
| Gross operating margin9900 | €26,447 | €50,340 | €3,344 | €18,235 | €11,337 | ▼ 37.8% |
| Operating profit (loss)9901 | -€3,355 | €32,496 | €2,592 | €18,235 | €9,967 | ▼ 45.3% |
| Financial income75/76B | - | €1,261 | €6 | €385 | €30 | ▼ 92.2% |
| Recurring financial income75 | - | €1,261 | €6 | €385 | €30 | ▼ 92.2% |
| Non-recurring financial income76B | - | €1,261 | €6 | €385 | €30 | ▼ 92.2% |
| Financial charges65/66B | - | €64 | €52 | €124 | €90 | ▼ 27.8% |
| Recurring financial charges65 | - | €17 | €52 | €121 | €88 | ▼ 27.4% |
| Non-recurring financial charges66B | - | €46 | - | €3 | €2 | ▼ 44.4% |
| Profit (loss) for the period before taxes9903 | -€1,569 | €33,694 | €2,547 | €18,495 | €9,907 | ▼ 46.4% |
| Income taxes67/77 | - | €11,888 | €849 | €6,404 | €3,514 | ▼ 45.1% |
| Profit (loss) for the period9904 | -€1,569 | €21,806 | €1,697 | €12,091 | €6,393 | ▼ 47.1% |
| Profit (loss) for the period to be appropriated9905 | -€1,569 | €21,806 | €1,697 | €12,091 | €6,393 | ▼ 47.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €138,282 | €132,458 | €97,613 | €118,290 | €145,713 | ▲ 23.2% |
| Current assets29/58 | €138,282 | €132,458 | €97,613 | €118,290 | €145,713 | ▲ 23.2% |
| Amounts receivable within one year40/41 | €78,825 | €81,060 | €49,633 | €80,036 | €122,500 | ▲ 53.1% |
| Trade receivables40 | - | €67,633 | €34,349 | €55,244 | €99,621 | ▲ 80.3% |
| Other amounts receivable41 | - | €13,427 | €15,283 | €24,791 | €22,879 | ▼ 7.7% |
| Cash at bank and in hand54/58 | €59,457 | €51,398 | €47,980 | €38,254 | €23,213 | ▼ 39.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €138,282 | €132,458 | €97,613 | €118,290 | €145,713 | ▲ 23.2% |
| Equity10/15 | €14,862 | €36,668 | €38,365 | €50,457 | €56,850 | ▲ 12.7% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €18,550 | €18,118 | €19,815 | €31,907 | €38,300 | ▲ 20.0% |
| Distributable reserves133 | - | €18,118 | €19,815 | €31,907 | €38,300 | ▲ 20.0% |
| Profit (loss) carried forward14 | -€3,688 | - | - | - | - | - |
| Amounts payable17/49 | €123,419 | €95,790 | €59,247 | €67,833 | €88,863 | ▲ 31.0% |
| Amounts payable within one year42/48 | €123,419 | €95,790 | €59,247 | €67,833 | €88,863 | ▲ 31.0% |
| Current portion of amounts payable after more than one year42 | - | €2,540 | €6,230 | €23,166 | €25,328 | ▲ 9.3% |
| Trade debts44 | €109,105 | €69,994 | €40,830 | €21,528 | €56,143 | ▲ 161% |
| Suppliers440/4 | - | €69,994 | €40,830 | €21,528 | €56,143 | ▲ 161% |
| Taxes, remuneration and social security45 | - | €11,918 | €849 | €6,560 | €3,610 | ▼ 45.0% |
| Taxes450/3 | - | €11,918 | €849 | €6,560 | €3,610 | ▼ 45.0% |
| Other amounts payable47/48 | - | €11,337 | €11,337 | €16,579 | €3,782 | ▼ 77.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,569 | €21,806 | €1,697 | €12,091 | €6,393 | ▼ 47.1% |
| Operating cash flow (approximation) | -€1,569 | €21,806 | €1,697 | €12,091 | €6,393 | ▼ 47.1% |
| Change in cash | - | -€8,059 | -€3,418 | -€9,726 | -€15,041 | ▼ 54.7% |
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
18-09
State Gazette act
Registered-office move · Board meeting2 facts ▸
State Gazette act
Registered-office move · Board meeting
2 facts ▸
- Registered-office move, Rue Guillaume Tell. 38 1060 Bruxelles
- Board meeting, 22-07-2026
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
06-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
01-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €21,806
Net result €21,806 after one loss-making year.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-06
Financial
Back to profitnet €6,740
Net result €6,740 after one loss-making year.
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2015
Ground area
542 m²
Building footprint
206 m²
Volume, LiDAR
1,683 m³
2 parcels, Brussels, Flanders · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
VANDEPARRE
since 20152.242.840.235
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23009C0143/00F000 | Flanders | 320 m² | 1 · 132 m² | 7.7 m · 2 fl. |
| 21562A0175/00F010 | Brussels | 223 m² | 1 · 73 m² | 17.7 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 899 companies in sector 47242 we hold annual accounts for 340. 299 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
Founded16-03-2015
Fiscal year end30-06
Activities, NACEBEL 2025
47242Retail sale of chocolate and confectionery
10820Manufacture of cocoa, chocolate and sugar confectionery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0600977059
Also
9925:BE0600977059
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.