Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of DMZ GROUP is 3.8% (moderate). The 2024 annual accounts show equity of €17k and a net result of €3k. Its solvency ranks better than 79% of 637 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 79% of 637 peers (2024). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 33 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-05-2025, 70 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not confirmed | - |
| 31-12-2024 | 31-07-2025 | 22-05-2025 | 70 d early | 2025-00104131 |
| 31-12-2023 | 31-07-2024 | 07-02-2024 | 175 d early | 2024-00027510 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.8%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Multiple establishment units
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€3k-79.4%
Working capital€10k-23.5%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 22-05-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 52.0% | 21.2% | |
| Net result | €3k | €7k | |
| Equity | €17k | €26k | |
| Gross operating margin | €8k | €59k | |
| Total assets | €33k | €134k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€5k
-62.3%
23-24
€3k
-79.4%
23-24
€4k
-68.3%
23-24
€33k
+99.8%
23-24
€17k
+19.2%
23-24
€10k
-23.5%
23-24
€3k
-
23-24
€16k
+649.5%
23-24
Show 9 other metrics
€9k
+342.5%
23-24
€7k
-
23-24
2.06
-71.1%
23-24
1.51
-71.2%
23-24
52.0%
-40.3%
23-24
0.92
+528.9%
23-24
16.1%
-82.7%
23-24
8.4%
-89.7%
23-24
6.16
-97.4%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €5k |
| Net profit | €3k |
| Cash flow | €4k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €33k |
| Equity | €17k |
| Debt | €16k |
| of which ≤ 1y | €9k |
| of which > 1y | €7k |
| Working capital | €10k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.06 |
| Quick ratio | 1.51 |
| Working capital ratio | 30.1% |
| Solvency | 52.0% |
| Debt / equity | 0.92 |
| Long-term debt ratio | 0.38 |
| Interest coverage | 6.16 |
| Gross margin | - |
| Net margin | - |
| ROA | 8.4% |
| ROE | 16.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €33k |
| Fixed assets | 21/28 | €14k |
| Tangible fixed assets | 22/27 | €14k |
| Current assets | 29/58 | €19k |
| Stocks & contracts in progress | 3 | €5k |
| Amounts receivable within one year | 40/41 | €926 |
| Cash & bank | 54/58 | €13k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €33k |
| Equity | 10/15 | €17k |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €16k |
| Amounts payable | 17/49 | €16k |
| Amounts payable after one year | 17 | €7k |
| Amounts payable within one year | 42/48 | €9k |
| Trade debts payable within one year | 44 | €5k |
| Income statement | ||
| Gross operating margin | 9900 | €8k |
| Operating result | 9901 | €4k |
| Financial charges | 65 | €843 |
| Result before taxes | 9903 | €3k |
| Net result for the period | 9904 | €3k |
| Result to be appropriated | 9905 | €3k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
3 directors4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Current29-10-2025 → present
Former directors (2)
-
Former01-04-2025 → 29-10-2025
2 events
- 29-10-2025 Resigned· Director
- 01-04-2025 Appointed· Director
-
Former- → 31-03-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712) |
| Legal form | Private limited company(610) |
| Incorporation | 13-12-2022 |
| Status | Active |
| Postal code | 6010 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
2 locationsRoute de Châtelet 197, 6010 Charleroi
since 20222.339.010.191
Mouscron Mini Market
since 20262.384.395.897
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area491 m²
Buildings2
Building footprint89 m²
Volume (LiDAR)808 m³
Tallest building11.4 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52014A0091/00E025 | Wallonia | 345 m² | 1 · 57 m² | 11.4 m · 3 fl. |
| 54433E0618/00L005 | Wallonia | 146 m² | 1 · 31 m² | 10.2 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
4 acts Capital history · 2
15-04-2025
v3.2
26-01-2024
v3.2
All acts · 4
updated 9 months ago
2025
07-11-2025 1 director appointed, 1 resigning
15-04-2025 Transaction in capital or shares
Summary:
v3.2
2024
26-01-2024 Transaction in capital or shares
Summary:
v3.2
2022
15-12-2022 Incorporation of a new SRL
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured83
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
80
Solvency
96
Growth
52
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 468 of the 4,220 companies in this sector. 372 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110
Primary activity highlighted.
Names & trade names
| Legal nameFR | DMZ GROUP |
Registered office
Route de Châtelet 197
6010 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.