Durch
ActiveSummary
Durch has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,692 and a net result of €9,692. Its solvency ranks better than 86% of 2,589 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
- Equity
- €12,692
- Profit
- €9,692
Why 92raises riskFounded in 2024Last filed accounts filed 31 days late; 1 of the last 3 latelowers riskSector: Education (NACE 85)Figures for financial year 2025 (filed 01-09-2026)Show the evidence
Checked score
About 2 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 85, micro): better than 88% on solvency, 42% on liquidity and 90% on profitability.
The bankruptcy probability was computed on 26-10-2026 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
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: BANCHERO Matias (director) ·…
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00478402.
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 39,278 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 | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €322 |
| Gross operating margin9900 | €12,384 |
| Operating profit (loss)9901 | €12,062 |
| Financial income75/76B | €232 |
| Recurring financial income75 | €232 |
| Financial charges65/66B | €135 |
| Recurring financial charges65 | €135 |
| Profit (loss) for the period before taxes9903 | €12,158 |
| Income taxes67/77 | €2,466 |
| Profit (loss) for the period9904 | €9,692 |
| Profit (loss) for the period to be appropriated9905 | €9,692 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €14,962 | |
| Fixed assets21/28 | €1,909 | |
| Tangible fixed assets22/27 | €1,909 | |
| Furniture and vehicles24 | €1,909 | |
| Current assets29/58 | €13,053 | |
| Amounts receivable within one year40/41 | €12,300 | |
| Other amounts receivable41 | €12,300 | |
| Cash at bank and in hand54/58 | €752 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €14,962 | |
| Equity10/15 | €12,692 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | €9,692 | |
| Amounts payable17/49 | €2,269 | |
| Amounts payable within one year42/48 | €1,739 | |
| Trade debts44 | €566 | |
| Suppliers440/4 | €566 | |
| Taxes, remuneration and social security45 | €1,173 | |
| Remuneration and social security454/9 | €1,173 | |
| Accrued charges and deferred income492/3 | €530 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €9,692 |
| + Depreciation and write-downs630 | €322 |
| Operating cash flow (approximation) | €10,015 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00478402 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| BANCHERO Matias |
|
Owners and capital
Capital and shareholders
- BANCHERO Matias sole founder · 100% at incorporation
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 24-09-2024 Incorporation · €3,000 · 100 shares
- 24-09-2024 Converted to unavailable equity
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
24-09
Gazette deed
IncorporationAppointment: BANCHERO Matias (director) · Permanent representative: BANCHERO Matias · Founder8 facts ▸
- Incorporation, 20-09-2024
- Founder, BANCHERO Matias
- Founding capital, €3,000
- Capital conversion, “geen statutair onbeschikbaar eigen vermogen” (deed in Dutch)
- Board rule, 1
- Director appointment, BANCHERO Matias (director (not named in the articles))
- Permanent representative, BANCHERO Matias
- Pre-incorporation commitments, “takeover, alle verbintenissen en alle verplichtingen die eruit voortvloeien, en alle activiteiten ondernomen in naam en voor rekening van de vennootschap in opr…” (deed in Dutch)
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
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11051B0361/00E004 | Flanders | 1,895 m² | 1 · 306 m² | - |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Lesgeven en studiebegeleiding; Opstellen van lesprogramma’s op het gebied van AI; Consultant; Het beheer van een onroerend of roerend…” (deed in Dutch)
7 activities (deed in Dutch)
- Lesgeven en studiebegeleiding
- Opstellen van lesprogramma’s op het gebied van AI
- Consultant
- Het beheer van een onroerend of roerend vermogen en de huurfinanciering van roerende en onroerende goederen aan derden, het aankopen, verkopen, ruilen, doen bouwen, doen verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen, alsmede zich borgstellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen
- Het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten vennootschappen
- Het bevorderen van de oprichting van vennootschappen door inbreng, participaties of investeringen
- Het toestaan van leningen aan vennootschappen of particulieren, onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen, in de meest ruime zin, alle handels- en financiële operaties verrichten, behalve deze die wettelijk zijn voorbehouden aan de krediet- en financiële instellingen
- Name clauseThe name the company operates under according to its articles.
- Durch
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, eenvoudige beslissing van het bestuursorgaan naar tweetalig gebied Brussel Hoofdstad of Nederlands taalgebied” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 14. Bevoegdheden en vertegenwoordiging van het bestuursorgaan - dagelijks bestuur §1. Als er slechts één bestuurder is, is het…”“Hij kan bijzondere machten toekennen aan elke mandataris. Ten aanzien van derden zal de bijzonder gevolmachtigde het bewijs van zijn…”
Full text
Hij kan bijzondere machten toekennen aan elke mandataris. Ten aanzien van derden zal de bijzonder gevolmachtigde het bewijs van zijn aanstelling kunnen leveren bij middel van de publicatie of openbaarmaking overeenkomstig de wet. §2. Indien de vennootschap door meer dan één bestuurder wordt bestuurd, mag iedere bestuurder, alleen optredend, alle handelingen stellen die nodig of dienstig zijn tot verwezenlijking van het voorwerp van de vennootschap, behalve deze die de wet of de statuten aan de algemene vergadering voorbehouden of toekennen. Iedere bestuurder verbindt en vertegenwoordigt de vennootschap rechtsgeldig in rechte (als eiser of als verweerder) en buiten rechte, jegens derden en in alle akten met inbegrip van deze waarvoor de tussenkomst van een openbaar ambtenaar of een notaris vereist is. Hij kan bijzondere machten toekennen aan elke mandataris. Ten aanzien van derden zal de bijzonder gevolmachtigde het bewijs van zijn aanstelling kunnen leveren bij middel van de publicatie of openbaarmaking overeenkomstig de wet.
- Daily managementWho may handle the everyday running of the business without the full board.
- The board decides whether the delegates act alone or jointly
- Board ruleHow the board is made up, meets and takes decisions.
- “Bepaalde of onbepaalde termijn, één of meer bestuurders” (deed in Dutch)“Vrijwillig ontslag door loutere kennisgeving met verplichting ambt te vervullen tot redelijke opvolging, bestuurders benoemd in de statuten…” (deed in Dutch)“Beëindiging wegens wettige reden zonder opzeggingstermijn of vertrekvergoeding, herroepbaar ad nutum bij besluit van de algemene vergadering…” (deed in Dutch)2 more provisions on this in the deed
- Permanent representativeA company that is a director names a natural person to carry out the mandate on its behalf.
- One provision in the deed
Capital, shares and profit
- Share issue ruleHow and by whom new shares can be issued.
- “Volgestort bij uitgifte” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of June at 18:00
- Meeting noticeHow and how far ahead shareholders are invited to a meeting; by law at least fifteen days.
- One provision in the deed
- Meeting accessWho may attend the meeting and what is needed to be admitted.
- 2 provisions in the deed
- Meeting procedureHow the meeting runs, from opening to minutes.
- One provision in the deed
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “De vennootschap kan op elk moment worden ontbonden door een beslissing van de algemene vergadering in de vormen vereist voor een…” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Bij ontbinding van de vennootschap, om welke reden en op welk ogenblik het ook zij, is/zijn de bestuurder(s) in functie aangewezen als…” (deed in Dutch)