DOZ · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DOZ is 0.4% (very low). The 2025 annual accounts show equity of €5k and a net result of €82k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 4760 sector peers (fiscal year 2025). 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 4 annual accounts.

Signals

2 signals · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 4760 sector peers (2025).

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

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-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-03-2026, 142 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 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 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	11-03-2026	142 d early	2026-00052280
31-12-2024	31-07-2025	27-06-2025	34 d early	2025-00187067
31-12-2023	31-07-2024	28-06-2024	33 d early	2024-00177206
31-12-2022	31-07-2023	24-08-2023	24 d late	2023-00348009

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. 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 signals

More 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 everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€82k+3.9%

Working capital€-20k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 11-03-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~49% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	1.7%	55.4%	better than 10% of 4760 sector peers
Net result	€82k	€38k	better than 78% of 4760 sector peers
Equity	€5k	€64k	better than 15% of 4761 sector peers
Gross operating margin	€117k	€61k	better than 77% of 4753 sector peers
Total assets	€302k	€146k	better than 76% of 4761 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P10

Weakening position over 2022-2025 · n=4760-12491

Net result P78

Stable position over 2022-2025 · n=4760-12493

Equity P15

Stable position over 2022-2025 · n=4761-12499

Gross operating margin P77

Stable position over 2022-2025 · n=4753-12478

Describes the position versus peers, not a forecast.

EBITDA

€116k

+3.0% 22-25

Net profit

€82k

+3.9% 22-25

Cash flow

€94k

+3.4% 22-25

Total assets

€302k

+1.2% 22-25

Equity

€5k

-97.7% 22-25

Working capital

€-20k

- 22-25

Income taxes

€21k

+3.6% 22-25

Dividends

€292k

+35004.1% 22-25

Show 10 other metrics

Debt

€297k

+258.1% 22-25

Debt ≤ 1y

€289k

+348.6% 22-25

Debt > 1y

€8k

-59.2% 22-25

Current ratio

0.93

-76.4% 22-25

Quick ratio

0.93

-76.4% 22-25

Solvency

1.7%

-97.7% 22-25

Debt / equity

59.36

+15317.0% 22-25

ROE

1643.5%

+4373.6% 22-25

ROA

27.2%

+2.7% 22-25

Interest coverage

100.77

+40.8% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€116k
Net profit	€82k
Cash flow	€94k
Staff costs	-
Income taxes	€21k
Dividends	€292k
Total assets	€302k
Equity	€5k
Debt	€297k
of which ≤ 1y	€289k
of which > 1y	€8k
Working capital	€-20k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.93
Quick ratio	0.93
Working capital ratio	-6.6%
Solvency	1.7%
Debt / equity	59.36
Long-term debt ratio	1.50
Interest coverage	100.77
Gross margin	-
Net margin	-
ROA	27.2%
ROE	1643.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €33k · 10.8% Current assets €269k · 89.2%

Equity & liabilities

Equity €5k · 1.7% Debt €297k · 98.3%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€302k
Fixed assets	21/28	€33k
Tangible fixed assets	22/27	€33k
Current assets	29/58	€269k
Amounts receivable within one year	40/41	€18k
Cash & bank	54/58	€250k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€302k
Equity	10/15	€5k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€297k
Amounts payable after one year	17	€8k
Amounts payable within one year	42/48	€289k
Trade debts payable within one year	44	€463
Income statement
Gross operating margin	9900	€117k
Operating result	9901	€105k
Financial income	75	€0
Financial charges	65	€1k
Result before taxes	9903	€103k
Income taxes	67/77	€21k
Net result for the period	9904	€82k
Result to be appropriated	9905	€82k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

53 / 100 Fair

050100

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 2025. Indicative, not credit advice.

Structure & network

Connections & network

1 connected company

Group structure

WAFFLE FACTORY DEVELOPMENT

We sit on their board · 1 location

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party

DOZBE 0783.750.397

controls

Where this company holds controlthis company sits on their board1

WAFFLE FACTORY DEVELOPMENT

1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank

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.

Avenue du Saule(TOU) 247500 Tournai

Establishment units

1 location

DOZ

Avenue du Saule(TOU) 24, 7500 TournaiOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering

since 20222.330.095.792

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,730 m²

Buildings1

Building footprint123 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57463L0195/00L000	Wallonia	1,730 m²	1 · 123 m²	-

Methodology

via registered seat: 1

1 of 1 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

63 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 53

Profitability 100

Solvency 11

Growth 58

Stability 94

Credit advice

verdict per customer and amount

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We hold annual accounts for 15,463 of the 82,127 companies in this sector. 6,011 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220

Primary activity highlighted.

Names & trade names

Legal nameFR

DOZ

Registered office

Avenue du Saule(TOU) 24

7500 Tournai, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.