DM RETAIL
ActiveSummary
DM RETAIL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.77M and a net result of €430k. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 61% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-2
Solvency73▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.33 in 2024; short-term debt: 20.2% and cash: 16.8% of total assets), but 52.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
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
47.8%
Return on assets
11.6%
Age of the figures
15 mo
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 13-01-2026, 18 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
18 d early
2024
53 d early
2023
1 d late
2022
1 d early
2021
on the day
2020
4 d late
2019
3 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.77M▲ 10.9%
2024 · €1.60M
2019: €249k
2020: €479k
2021: €761k
2022: €853k
2023: €1.11M
2024: €1.60M
2019 → 2025
Total assets
€3.71M▲ 0.5%
2024 · €3.69M
2019: €1.63M
2020: €1.47M
2021: €1.41M
2022: €2.54M
2023: €3.38M
2024: €3.69M
2019 → 2025
Net result
€430k▼ 11.4%
2024 · €485k
2019: €145k
2020: €230k
2021: €283k
2022: €92k
2023: €259k
2024: €485k
2019 → 2025
Working capital
€1.02M▲ 16.2%
2024 · €881k
2019: €475k
2020: €536k
2021: €327k
2022: €443k
2023: €389k
2024: €881k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€761k-€853k▲ 12.0%€1.11M▲ 30.4%€1.60M▲ 43.6%€1.77M▲ 10.9%
Operating result€370k-€111k▼ 70.0%€332k▲ 199%€773k▲ 133%€626k▼ 19.0%
Net result€283k-€92k▼ 67.6%€259k▲ 183%€485k▲ 87.4%€430k▼ 11.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.71M
Fixed assets
€1.93M ▼ 9.9%
Current assets
€1.77M ▲ 14.9%
Equity and liabilities €3.71M
Equity
€1.77M ▲ 10.9%
Debt
€1.93M ▼ 7.5%
Debt's share of the balance-sheet total falls from 56.7% to 52.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€884k▼
2024 · €1.02M
Cash flow
€688k▼
2024 · €728k
Current ratio
2.37▲
2024 · 2.33
Quick ratio
1.93▲
2024 · 1.83
Debt to equity
1.09▼
2024 · 1.31
ROE
24.3%▼
2024 · 30.4%
ROA
11.6%▼
2024 · 13.2%
Interest coverage
16.75▲
2024 · 13.82
Debt ≤ 1 year
€749k▲
2024 · €662k
Debt > 1 year
€1.18M▼
2024 · €1.42M
Income taxes
€149k▼
2024 · €227k
Staff costs
€653k▲
2024 · €524k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.69M€3.71M▲
Fixed assets21/28€2.15M€1.93M▼
Tangible fixed assets22/27€2.14M€1.93M▼
Land and buildings22€849k€825k▼
Plant, machinery and equipment23€482k€408k▼
Furniture and vehicles24€33k€44k▲
Other tangible fixed assets26€777k€652k▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.54M€1.77M▲
Amounts receivable after more than one year29€135k€572k▲
Trade receivables290€135k€572k▲
Stocks and contracts in progress3€329k€328k▼
Stocks30/36€329k€328k▼
Amounts receivable within one year40/41€49k€198k▲
Trade receivables40€32k€46k▲
Other amounts receivable41€17k€152k▲
Current investments50/53€400k€0▼
Cash at bank and in hand54/58€572k€624k▲
Deferred charges and accrued income490/1€58k€50k▼
Equity and liabilities
Total equity and liabilities10/49€3.69M€3.71M▲
Equity10/15€1.60M€1.77M▲
Contributions10/11€100k€100k=
Reserves13€1.48M€1.66M▲
Distributable reserves133€1.48M€1.66M▲
Profit (loss) carried forward14€13k€13k=
Amounts payable17/49€2.09M€1.93M▼
Amounts payable after more than one year17€1.42M€1.18M▼
Financial debts170/4€1.42M€1.18M▼
Amounts payable within one year42/48€662k€749k▲
Current portion of amounts payable after more than one year42€232k€238k▲
Trade debts44€261k€267k▲
Suppliers440/4€261k€267k▲
Taxes, remuneration and social security45€158k€116k▼
Taxes450/3€91k€36k▼
Remuneration and social security454/9€67k€80k▲
Other amounts payable47/48€11k€128k▲
Accrued charges and deferred income492/3€12k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€21k€16k▼
Remuneration, social security and pensions62€524k€653k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€242k€258k▲
Other operating charges640/8€3k€6k▲
Non-recurring operating charges66A€15k€2k▼
Gross operating margin9900€1.56M€1.54M▼
Operating profit (loss)9901€773k€626k▼
Financial income75/76B€13k€6k▼
Recurring financial income75€13k€6k▼
Financial charges65/66B€73k€53k▼
Recurring financial charges65€73k€53k▼
Profit (loss) for the period before taxes9903€712k€579k▼
Income taxes67/77€227k€149k▼
Profit (loss) for the period9904€485k€430k▼
Profit (loss) for the period to be appropriated9905€485k€430k▼
Appropriation of the result
Profit (loss) to be appropriated9906€489k€443k▼
Profit (loss) brought forward from the previous period14P€3k€13k▲
Transfer from equity791/2€10k€135k▲
Transfer to equity691/2€485k€310k▼
To other reserves6921€485k€310k▼
Profit to be distributed694/7-€255k
Return on contributions (dividend)694-€135k
Directors or managers695-€120k
Social balance
Average headcount (FTE)908714.216.0▲
The notes to these accounts (31 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Highest result since 2019net €485k ▲87.4%
Operating result €773k, net result €485k, both a record.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 1 day late
2023
30-06
Financial
Equity above €1MEq €1.11M ▲30.4%
5 profitable years in a row build equity to €1.11M.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €92k ▼67.6%
Net result drops to €92k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Equity above €500kEq €761k ▲59.1%
3 profitable years in a row build equity to €761k.
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kortrijk · 1 establishment unit since 2016
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.
Kampstraat(Kor) 438500 KortrijkGround area
7,434 m²
Building footprint
2,722 m²
Volume, LiDAR
8,873 m³
Parcel 34022E0612/00R000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPAR Kortrijk
since 20162.256.848.124
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E0612/00R000 | Flanders | 7,434 m² | 1 · 2,722 m² | 7.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 4 entries · 11,360 EUR awarded · 11,414 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 10,828 EUR |
| 2023 | 1 | 450 EUR | 504 EUR |
| 2022 | 2 | 10,910 EUR | 82 EUR |
Schemes
Call groene stroom (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyKortrijk2.256.848.124
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 1,622 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2016
Fiscal year end30-06
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.