DRIFAY
ActiveSummary
DRIFAY has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€184,549) and a net result of -€372. Equity remains stable across the filed financial years (±0.1% per year). Its solvency ranks better than 5% of 5,672 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
- Equity
- -€184,549
- Loss
- -€372
Why 53raises riskCapped at 59: negative equity2 of the last 3 lateNegative equity -€184,549lowers riskSize: turnover €6,464, total assets €8,913Founded in 2009Show the evidence
Checked score
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro): better than 11% on solvency, 7% on liquidity, 26% on profitability and 39% on growth.
The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 37 days after the deadline; the sector median (NACE 96) for financial year 2024 is on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result stays negative: a loss of €372 in 2025 against €1,163 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 96, Personal service activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 2,333 companies that looked in July 2024 the way this one looks now, 2.8% went bankrupt within 24 months and 90.6% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a small loss
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,333 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | - | - | - | €6,464 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | - | - | - | €6,342 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66 | - | - | - | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €9,377 | €5,016 | €5,535 | €7,717 | €493 | ▼ 93.6% |
| Gross operating margin9900 | €5,869 | €5,133 | €5,440 | €8,326 | €6,226 | €6,553 | €6,554 | €121 | ▼ 98.2% |
| Operating profit (loss)9901 | -€4,238 | -€3,493 | -€759 | -€1,051 | €1,210 | €1,018 | -€1,163 | -€372 | ▲ 68.0% |
| Profit (loss) for the period before taxes9903 | -€4,238 | -€3,493 | -€759 | -€1,051 | €1,210 | €1,018 | -€1,163 | -€372 | ▲ 68.0% |
| Profit (loss) for the period9904 | -€4,238 | -€3,493 | -€759 | -€1,051 | €1,210 | €1,018 | -€1,163 | -€372 | ▲ 68.0% |
| Profit (loss) for the period to be appropriated9905 | -€4,238 | -€3,493 | -€759 | -€1,051 | €1,210 | €1,018 | -€1,163 | -€372 | ▲ 68.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €3,458 | €3,758 | €3,293 | €4,770 | €3,886 | €9,336 | €8,933 | €8,913 | ▼ 0.2% |
| Current assets29/58 | €3,458 | €3,758 | €3,293 | €4,770 | €3,886 | €9,336 | €8,933 | €8,913 | ▼ 0.2% |
| Amounts receivable within one year40/41 | €3,209 | €2,543 | €2,867 | €3,130 | €3,333 | €8,163 | €7,778 | €8,464 | ▲ 8.8% |
| Trade receivables40 | - | - | - | - | - | €4,521 | €4,521 | €4,521 | = |
| Other amounts receivable41 | - | - | - | €3,130 | €3,333 | €3,642 | €3,257 | €3,942 | ▲ 21.0% |
| Cash at bank and in hand54/58 | €248 | €1,215 | €426 | €1,640 | €553 | €1,173 | €1,155 | €450 | ▼ 61.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €3,458 | €3,758 | €3,293 | €4,770 | €3,886 | €9,336 | €8,933 | €8,913 | ▼ 0.2% |
| Equity10/15 | -€179,938 | -€183,431 | -€184,190 | -€185,241 | -€184,031 | -€183,014 | -€184,177 | -€184,549 | ▼ 0.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | - | - | €18,600 | €18,600 | €18,600 | €18,600 | - | - |
| Issued capital100 | - | - | - | €18,600 | €18,600 | €18,600 | €18,600 | - | - |
| Profit (loss) carried forward14 | -€198,538 | -€202,031 | -€202,790 | -€203,841 | -€202,631 | -€201,614 | -€202,777 | -€203,149 | ▼ 0.2% |
| Amounts payable17/49 | €183,396 | €187,189 | €187,483 | €190,011 | €187,917 | €192,350 | €193,110 | €193,462 | ▲ 0.2% |
| Amounts payable after more than one year17 | €19,205 | €7,247 | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €164,191 | €179,942 | €187,483 | €190,011 | €187,917 | €192,350 | €193,110 | €193,462 | ▲ 0.2% |
| Trade debts44 | €574 | €669 | €263 | €2,792 | €698 | €4,031 | €1,390 | €1,743 | ▲ 25.3% |
| Suppliers440/4 | - | - | - | €2,792 | €698 | €4,031 | €1,390 | €1,743 | ▲ 25.3% |
| Other amounts payable47/48 | - | - | - | €187,219 | €187,219 | €188,319 | €191,719 | €191,719 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,238 | -€3,493 | -€759 | -€1,051 | €1,210 | €1,018 | -€1,163 | -€372 | ▲ 68.0% |
| + Depreciation and write-downs630 | €66 | - | - | - | - | - | - | - | - |
| Operating cash flow (approximation) | -€4,172 | -€3,493 | -€759 | -€1,051 | €1,210 | €1,018 | -€1,163 | -€372 | ▲ 68.0% |
| Change in cash | - | €966 | -€789 | €1,214 | -€1,087 | €620 | -€18 | -€705 | ▼ 3,774% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 16 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 30-07-2026 | 2026-00380963 |
| 31-12-2024 | micro format | 25-09-2025 | 2025-00506532 |
| 31-12-2023 | micro format | 04-10-2024 | 2024-00500225 |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00428112 |
| 31-12-2021 | micro format | 27-08-2022 | 2022-20357177 |
| 31-12-2020 | micro format | 30-08-2021 | 2021-57000095 |
| 31-12-2019 | micro format | 22-09-2020 | 2020-54700155 |
| 31-12-2018 | micro format | 27-08-2019 | 2019-51700085 |
| 31-12-2017 | micro format | 03-08-2018 | 2018-43600552 |
| 31-12-2016 | micro format | 14-12-2017 | 2017-72400590 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| RAZZOUK Mohammed |
|
| DUBOT Didier |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
22-08
Gazette deed
Resignation: DUBOT Didier (manager)Appointment: RAZZOUK Mohammed (director) · Amendment of the articles · Capital conversion17 facts ▸
- General meeting, 12-08-2024
- Other provision, “ordre du jour point 1, adapter les statuts aux dispositions du Code des sociétés et des associations” (deed in French)
- Other provision, “ordre du jour point 2, supprimer le compte de capitaux propres statutairement indisponible et le mettre à disposition pour des distributions futures” (deed in French)
- Other provision, “ordre du jour point 3, adoption de nouveaux statuts en concordance avec le Code des sociétés et des associations,sans modification de l’objet” (deed in French)
- Other provision, “ordre du jour point 4, démissions et nominations:Démission gérant(s);Décharge gérant(s);Nomination administrateur(s)” (deed in French)
- Other provision, “ordre du jour points 5-6, adresse du siège;pouvoirs à conférer à la gérance pour exécution des résolutions et à l’étude du notaire soussigné pour coordination d…” (deed in French)
- Amendment of the articles (2 times)
- Capital conversion, “de plein droit”, EUR (deed in French)
- Reserve release, “suppression, fonds disponibles pour distribution” (deed in French)
- Capital
- Other provision, “compte de capitaux propres statutairement indisponible” (deed in French)
- Director resignation, DUBOT Didier (manager)
- +5 further facts in this act
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 52014B0293/00D000indicative | Wallonia | 180 m² | - | - |
| 52026C0283/00V000 | Wallonia | 177 m² | 1 · 47 m² | 13.3 m · 4 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La réalisation de tous travaux de construction; Toutes opérations se rapportant directement ou indirectement à l’entretien,la rénovation de…” (deed in French)
19 activities (deed in French)
- La réalisation de tous travaux de construction ;
- Toutes opérations se rapportant directement ou indirectement à l’entretien,la rénovation de biens immeubles,les travaux de réparations,d’embellissements,de renouvellement et de modernisation de biens immeubles;
- Le commerce en gros et au détail d'appareils et accessoires pour le chauffage central,appareils et articles sanitaires,appareils de chauffage individuel,quincaillerie,articles et appareils électroménagers et d'éclairage,appareils audiovisuels;
- L'entreprise d’installation de chauffage central et individuel;
- L'entreprise d'installation d'échafaudages,de nettoyage de façades,de nettoyage et de désinfection d'immeubles,de chantiers et de bureaux,lavage de vitres;
- L'entreprise de terrassements,de pose de faux plafonds,de cloisons amovibles et de pose de plaques en gyproc;
- La réparation d’appareils électriques,tous travaux d’électricité;
- Toutes activités relatives à l’achat,la vente,en gros ou en détail,l’importation,l’exportation,le placement de tous types de carrelages,pierres,granites,marbres,klinkers,à usage extérieur et intérieur ;
- Tous travaux de peinture,de toiture,de sanitaire,de chauffage,de menuiserie,de démolition;
- Tous travaux de jardinage au sens le plus large du terme ainsi que la vente en gros ou en détail,l’achat,l’importation,l’exportation,la commercialisation,de tous végétaux généralement quelconques ;
- Le transport de personnes et marchandises ;
- L’importation et l’exportation,l'achat et la vente,en détail et en gros,le commerce ambulant en alimentation générale,confiserie,chocolats,tabac,alcools,fleurs,plantes,articles de décoration,vaisselle,matériel électroménager,articles de souvenir,hi-fi,GSM et accessoires GSM,textiles pour hommes,dames et enfants,articles en cuir,accessoires,chaussures,vêtements de sport,maroquinerie,bijouterie de fantaisie;
- L’achat et la vente,l’importation,l’exportation,la distribution et la livraison de tous véhicules,moteurs et pièces détachées utiles à l’usage de véhicules ;
- Le commerce en gros ou au détail de véhicules à moteur y compris les véhicules de seconde main,de pièces détachées et accessoires de véhicules à moteur ;
- L'exploitation de snack-bar,friterie,restaurant,débit de boissons ;
- L’exploitation de car-wash,de pompes à essence,de cabines téléphoniques.
- L’exploitation de librairie.
- L’exploitation de salons lavoirs.
- La participation au marché immobilier par l'achat,l'échange,le lotissement,la promotion,la vente,la location,la prise en location et en sous-location,la cession en location et en sous-location,le tout avec ou sans option d'achat,la construction,la rénovation et la transformation,l'exploitation et l'entretien de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,et de manière générale,de biens immobiliers de toute nature,accorder et obtenir des droits contenant superficie,accession,emphytéose,usufruit et nue-propriété,hypothèque,privilège et option ainsi que toutes opérations de financement(pour son propre compte)et la gérance d'immeubles.
- Name clauseThe name the company operates under according to its articles.
- DRIFAY
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région Wallonne, peut établir par simple décision de l’organe d’administration des sièges administratifs,agences,ateliers,dépôts et…” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation, organe d'administration” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- One provision in the deed
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnellement nombre actions, sans recours” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- One provision in the deed
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “En tout temps par décision de l’assemblée générale délibérant dans les formes prévues pour les modifications aux statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Dissolution pour quelque cause et à quelque moment que ce soit, sans préjudice de la faculté de l’assemblée générale de désigner un ou…” (deed in French)