DOUCEUR CHOCOLAT
ActiveDOUCEUR CHOCOLAT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €57k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+8
Solvency59▼-22
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 2.1 in 2024; short-term debt: 64.8% and cash: 85.9% of total assets), and 65.7% 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 · 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
34.3%
Return on assets
19.4%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
5 d late
2024
1 d early
2023
47 d early
2022
21 d early
2021
56 d early
2020
4 d early
2019
4 d late
← before the deadline
after the deadline →
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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€427k
EBIT margin
6.7%
Net result
€57k▲ 32.3%
2024 · €43k
2019: €91k
2020: €15k
2021: €34k
2022: €21k
2023: €21k
2024: €43k
2019 → 2025
Working capital
€79k▼ 49.7%
2024 · €157k
2019: €138k
2020: €141k
2021: €168k
2022: €185k
2023: €209k
2024: €157k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€427k
Equity€198k-€219k▲ 10.5%€241k▲ 9.8%€184k▼ 23.6%€101k▼ 45.1%
Operating result€51k-€29k▼ 44.0%€31k▲ 7.0%€57k▲ 87.7%€75k▲ 30.7%
Net result€34k-€21k▼ 38.6%€21k▲ 2.9%€43k▲ 101%€57k▲ 32.3%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €294k
Fixed assets
€25k▼ 18.6%
Current assets
€270k▼ 10.0%
Equity and liabilities €294k
Equity
€101k▼ 45.1%
Provisions
€3k▼ 19.0%
Debt
€191k▲ 33.5%
The debt ratio rises from 43.3% to 64.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€81k▲
2024 · €64k
Cash flow
€63k▲
2024 · €50k
Solvency
34.3%▼
2024 · 55.7%
Current ratio
1.41▼
2024 · 2.10
Quick ratio
1.36▼
2024 · 2.04
Debt / equity
1.89▲
2024 · 0.78
ROE
56.6%▲
2024 · 23.5%
ROA
19.4%▲
2024 · 13.1%
Interest coverage
29.61▲
2024 · 25.51
Debt
€191k▲
2024 · €143k
Debt ≤ 1 year
€191k▲
2024 · €143k
Income taxes
€16k▲
2024 · €12k
Staff costs
€71k▼
2024 · €71k
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€330k€294k▼
Fixed assets21/28€31k€25k▼
Tangible fixed assets22/27€30k€24k▼
Plant, machinery and equipment23€14k€11k▼
Other tangible fixed assets26€16k€13k▼
Financial fixed assets28€339€339=
Current assets29/58€300k€270k▼
Stocks and contracts in progress3€8k€10k▲
Stocks30/36€8k€10k▲
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€3k€3k▼
Other amounts receivable41€937€751▼
Cash at bank and in hand54/58€285k€253k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€330k€294k▼
Equity10/15€184k€101k▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€34k€31k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€32k€30k▼
Profit (loss) carried forward14€137k€57k▼
Provisions and deferred taxes16€3k€3k▼
Deferred taxes168€3k€3k▼
Amounts payable17/49€143k€191k▲
Amounts payable within one year42/48€143k€191k▲
Current portion of amounts payable after more than one year42€4k-
Trade debts44€13k€17k▲
Suppliers440/4€13k€17k▲
Taxes, remuneration and social security45€38k€48k▲
Taxes450/3€23k€32k▲
Remuneration and social security454/9€15k€16k▲
Other amounts payable47/48€87k€126k▲
Income statement
Code20242025
Remuneration, social security and pensions62€71k€71k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€137k€154k▲
Operating profit (loss)9901€57k€75k▲
Financial income75/76B€55€52▼
Recurring financial income75€55€52▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€55k€72k▲
Transfer from deferred taxes780€637€637=
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€43k€57k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€46k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€237k€197k▼
Profit (loss) brought forward from the previous period14P€192k€137k▼
Profit to be distributed694/7€100k€140k▲
Return on contributions (dividend)694€100k€140k▲
Social balance
Average headcount (FTE)90872.22.3▲
The notes to these accounts (6 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 5 days late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Equity above €200kEq €219k ▲10.5%
4 profitable years in a row build equity to €219k.
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Weakest financial yearnet €15k ▼83.6%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150kEq €164k ▲10%
2 profitable years in a row build equity to €164k.
04-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 4 days late
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · full 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 · 2 establishment units since 2017
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 Jean Friot(CO) 1286180 CourcellesGround area
904 m²
Building footprint
290 m²
Volume, LiDAR
2,403 m³
3 parcels, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Douceur Chocolat
since 20172.263.614.170
Douceur Chocolat
since 20172.263.614.566
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015C1186/00H002 | Wallonia | 575 m² | 1 · 74 m² | - |
| 52050A0528/00E002 | Wallonia | 180 m² | 1 · 60 m² | 11.8 m · 3 fl. |
| 52015C0016/00R003 | Wallonia | 149 m² | 1 · 155 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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 siteCourcelles2.263.614.566
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2017
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47242Retail sale of chocolate and confectionery
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.