Frédéric DULYERE

Active

Private limited companyfounded 20223 yrs activeRue d' En Haut(ROI) 2, 7387 Honnelles, BelgiumKBO/BCE: BE 0791.415.872

The computed 12-month bankruptcy probability of Frédéric DULYERE is 1.9% (moderate). The 2025 annual accounts show equity of €92k and a net result of €68k. Equity is growing by ~155.4% per year across the filed fiscal years. Its solvency ranks better than 37% of 18237 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability86▲+15

Solvency44▲+12

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days acceptable

Liquidity tight (current ratio 1.37 against 0.99 in 2024; short-term debt: 70% and cash: 11.9% of total assets), and 81.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

18.6%

Return on assets

13.8%

Age of the figures

12 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

on the day

2024

9 d late

2023

1 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

22-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€92k▲ 287%

2024 · €24k

2023: €18k 2024: €24k

2023 → 2025

Total assets

€493k▲ 44.3%

2024 · €342k

2023: €217k 2024: €342k

2023 → 2025

Net result

€68k▲ 1,078%

2024 · €6k

2023: €17k 2024: €6k

2023 → 2025

Working capital

€129k

2024 · €-4k

2023: €-19k 2024: €-4k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€18k-€24k▲ 32.1%€92k▲ 287%

Operating result€30k-€10k▼ 66.0%€106k▲ 942%

Net result€17k-€6k▼ 67.0%€68k▲ 1,078%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 942% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €493k

96.1%

Fixed assets €19k▼ 31.6%

Current assets €474k▲ 51.0%

Equity and liabilities €493k

18.6%

81.4%

Equity €92k▲ 287%

Debt €401k▲ 26.2%

The debt ratio falls from 93.0% to 81.4%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€116k▲

2024 · €21k

Cash flow

€78k▲

2024 · €16k

Solvency

18.6%▲

2024 · 7.0%

Current ratio

1.37▲

2024 · 0.99

Quick ratio

0.29▲

2024 · 0.06

Debt / equity

4.37▼

2024 · 13.39

ROE

74.1%▲

2024 · 24.3%

ROA

13.8%▲

2024 · 1.7%

Interest coverage

85.81▲

2024 · 43.48

Debt

€401k▲

2024 · €318k

Debt ≤ 1 year

€345k▲

2024 · €318k

Debt > 1 year

€56k

Income taxes

€37k▲

2024 · €4k

Staff costs

€35k▼

2024 · €53k

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€342k€493k▲

Fixed assets21/28€28k€19k▼

Tangible fixed assets22/27€28k€19k▼

Furniture and vehicles24€28k€19k▼

Financial fixed assets28€180€180=

Current assets29/58€314k€474k▲

Stocks and contracts in progress3€294k€372k▲

Stocks30/36€294k€372k▲

Amounts receivable within one year40/41€17k€43k▲

Trade receivables40€11k€43k▲

Other amounts receivable41€6k-

Cash at bank and in hand54/58€3k€59k▲

Deferred charges and accrued income490/1€944-

Equity and liabilities

Total equity and liabilities10/49€342k€493k▲

Equity10/15€24k€92k▲

Contributions10/11€500€500=

Reserves13€23k€91k▲

Distributable reserves133€23k€91k▲

Amounts payable17/49€318k€401k▲

Amounts payable after more than one year17-€56k

Financial debts170/4-€56k

Amounts payable within one year42/48€318k€345k▲

Current portion of amounts payable after more than one year42€6k€19k▲

Financial debts43€942€56▼

Credit institutions430/8€942€56▼

Trade debts44€20k€3k▼

Suppliers440/4€20k€3k▼

Taxes, remuneration and social security45€21k€30k▲

Taxes450/3€10k€27k▲

Remuneration and social security454/9€11k€3k▼

Other amounts payable47/48€270k€293k▲

Income statement Code20242025

Remuneration, social security and pensions62€53k€35k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼

Other operating charges640/8€660€1k▲

Gross operating margin9900€75k€152k▲

Operating profit (loss)9901€10k€106k▲

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€473€1k▲

Recurring financial charges65€473€1k▲

Profit (loss) for the period before taxes9903€10k€105k▲

Income taxes67/77€4k€37k▲

Profit (loss) for the period9904€6k€68k▲

Profit (loss) for the period to be appropriated9905€6k€68k▲

Appropriation of the result

Profit (loss) to be appropriated9906€6k€68k▲

Transfer to equity691/2€6k€68k▲

To other reserves6921€6k€68k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Highest result since 2023net €68k ▲1078%

Operating result €106k, net result €68k, both a record.

09-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 9 days late

2024

30-09

Financial Weakest financial yearnet €6k ▼67%

Net result drops to €6k, the lowest in the series; recovery starts the following year.

29-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Honnelles · 1 establishment unit since 2022

establishment The establishment unit on the map

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 d' En Haut(ROI) 27387 Honnelles

Ground area

6,371 m²

Building footprint

239 m²

Parcel 53069D0228/00P000, Wallonia. Linked by address, not a title deed.

1 establishment unit

Rue d' En Haut(ROI) 2, 7387 HonnellesRetail trade

since 20222.336.575.689

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53069D0228/00P000	Wallonia	6,371 m²	1 · 239 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Neufchâteau · Eq €91k

Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,520 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-09-2022

Fiscal year end30-09

Activities, NACEBEL

47120Other non-specialised retail sale

47791Retail sale of antiques

47910Retail trade

47690Retail sale of other cultural and recreation goods

47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels

47787Retail trade

47990Retail trade

90031Arts creation and performing arts activities

90111Literary creation

95240Repair and maintenance of furniture and upholstery

Sources

Crossroads Bank for EnterprisesNational Bank · 3 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.

Contact details

1 entry

E-mail:dulyere@skynet.be

Enterprise