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Generated 12-08-2026
Active BE 1004.937.915Private limited company

DPH Retail

Statiestraat 77 ·2070 Beveren-Kruibeke-Zwijndrecht, Belgium· 2 yrs active
Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of DPH Retail is 2.1% (moderate). The 2024 annual accounts show equity of €28k and a net result of €8k. Its solvency ranks better than 29% of 6698 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €28k
Net result €8k
Staff (FTE) 3
Better than sector 29%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health58Profitability100Solvency14Growth-Stability67
60 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 58
Profitability 100
Solvency 14
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
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.
Health barometer FY 2024 · computed
58 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 08-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 2.1% 20.4%
better than 29% of 6698 sector peers
Net result €8k €4k
better than 59% of 6678 sector peers
Equity €28k €16k
better than 60% of 6712 sector peers
Gross operating margin €334k €24k
better than 95% of 6657 sector peers
Staff costs €206k €33k
higher than 95% of 3035 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€126k
Net profit€8k
Cash flow€90k
Staff costs€206k
Income taxes€107
Dividends-
Total assets€1.33M
Equity€28k
Debt€1.30M
of which ≤ 1y€448k
of which > 1y€853k
Working capital€21k
Employees (FTE)3.0
Ratios (computed)
2024
Current ratio1.05
Quick ratio0.36
Working capital ratio1.6%
Solvency2.1%
Debt / equity46.22
Long-term debt ratio30.25
Interest coverage3.45
Gross margin-
Net margin-
ROA0.6%
ROE29.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.33M
Fixed assets 21/28€861k
Tangible fixed assets 22/27€859k
Financial fixed assets 28€2k
Current assets 29/58€470k
Stocks & contracts in progress 3€308k
Amounts receivable within one year 40/41€13k
Cash & bank 54/58€144k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.33M
Equity 10/15€28k
Contributions / capital 10/11€20k
Reserves 13€8k
Amounts payable 17/49€1.30M
Amounts payable after one year 17€853k
Amounts payable within one year 42/48€448k
Trade debts payable within one year 44€345k
Income statement
Gross operating margin 9900€334k
Operating result 9901€44k
Financial income 75€74
Financial charges 65€37k
Result before taxes 9903€8k
Income taxes 67/77€107
Net result for the period 9904€8k
Result to be appropriated 9905€8k
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • Geert Hontis
    Director
    State Gazette act 25047907 (11-04-2025)
    Former
    - → 18-01-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form Private limited company(610)
Incorporation19-01-2024
StatusActive
Postal code2070
Establishment units 1 location
Proxy Delhaize
Statiestraat 77, 2070 ZwijndrechtDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)
since 20242.355.139.412
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11056B0839/00L006indicative Flanders 341 m² 1 · 173 m² 11.5 m · 3 fl.
Methodology
via registered seat: 1
0 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
05-12-2025
State Gazette act Registered-office change
v3.2
08-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
11-04-2025
State Gazette act Director changes
v3.2
2024
23-01-2024
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 3 acts
Address history · 1
05-12-2025
v3.2
All acts · 3 updated 8 months ago
2025
05-12-2025 Registered office moved from Brecht to Zwijndrecht Registered-office change
  • Kemphaanlaan 20, 2960 Brecht → Statiestraat 77, 2070 Zwijndrecht
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Zwijndrecht",
        "region": null,
        "street": "Statiestraat",
        "country": "BE",
        "postcode": "2070",
        "box_number": null,
        "street_number": "77"
      },
      "old_address": {
        "city": "Brecht",
        "region": null,
        "street": "Kemphaanlaan",
        "country": "BE",
        "postcode": "2960",
        "box_number": null,
        "street_number": "20"
      },
      "effective_date": "2025-10-01",
      "evidence_quote": "De algemene vergadering van 1 oktober 2025 beslist om de maatschappelijke zetel te ver plaatsen naar Statiestraat 77 te 2070 Zwijndrecht en dit vanaf 1 oktober 2025.."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1004.937.915",
    "name_full": "DPH RETAIL",
    "legal_form": "BV"
  }
}
11-04-2025 Geert Hontis resigns as director Director changes
  • Geert Hontis, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Geert Hontis",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2024-01-18",
      "evidence_quote": "De algemene vergadering van 18/01/2024 beslist om het ontslag te aanvaarden van dhr Geert Hontis \u00B005/12/1983, Kemphaanlaan 20 te 2960 Brecht en dit vanaf 18/01/2024."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1004.937.915",
    "name_full": "DPH RETAIL",
    "legal_form": "BV"
  }
}
2024
23-01-2024 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "2960 Brecht, Kemphaanlaan 20",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1990-03-28",
        "name": "DE PAUW Olivier Dominique Hermine Chris",
        "niss": null,
        "address": "2960 Brecht, Kemphaanlaan 20"
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "DE PAUW Olivier Dominique Hermine Chris",
      "is_subscriber_only": true,
      "n_shares_subscribed": null,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1983-12-05",
        "name": "HONTIS Geert",
        "niss": null,
        "address": "2960 Brecht, Kemphaanlaan 20"
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "HONTIS Geert",
      "is_subscriber_only": true,
      "n_shares_subscribed": null,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 20000,
  "subject_company": {
    "kbo": "1004.937.915",
    "name_full": "DPH Retail",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2024-01-18",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114
Primary activity highlighted.
Names & trade names
Legal nameNL DPH Retail
Registered office
Statiestraat 77
2070 Beveren-Kruibeke-Zwijndrecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative