Retail Degryse is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €34k and a net result of €29k. Its solvency ranks better than 37% of 8024 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
45 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€34k
Net result
€29k
Total assets
€97k
Solvency
35.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €97k
Fixed assets
€40k
Current assets
€57k
Equity and liabilities €97k
Equity
€34k
Debt
€63k
Debt finances 64.8% of the balance-sheet total.
Key figures and ratios
Solvency
35.2%
ROE
85.3%
ROA
30.0%
Debt
€63k
Debt ≤ 1 year
€63k
Income taxes
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€97k
Fixed assets21/28€40k
Financial fixed assets28€40k
Current assets29/58€57k
Amounts receivable within one year40/41€24k
Trade receivables40€24k
Cash at bank and in hand54/58€32k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€97k
Equity10/15€34k
Contributions10/11€5k
Reserves13€29k
Distributable reserves133€29k
Amounts payable17/49€63k
Amounts payable within one year42/48€63k
Trade debts44€7k
Suppliers440/4€7k
Taxes, remuneration and social security45€11k
Taxes450/3€11k
Other amounts payable47/48€45k
Income statement
Code2025
Other operating charges640/8€522
Gross operating margin9900€39k
Operating profit (loss)9901€39k
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€36k
Income taxes67/77€7k
Profit (loss) for the period9904€29k
Profit (loss) for the period to be appropriated9905€29k
Appropriation of the result
Profit (loss) to be appropriated9906€29k
Transfer to equity691/2€29k
To other reserves6921€29k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
NBB filing
Directors · office · real estate
Directors
2 acts for this company are 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, Oudenaarde · 1 establishment unit since 2024
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.
Gentstraat 729700 OudenaardeGround area
9,287 m²
Building footprint
3,832 m²
Parcel 45508B0130/00A002, Flanders. Linked by address, not a title deed.
1 establishment unit
Retail Degryse
since 20242.367.598.665
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45508B0130/00A002 | Flanders | 9,287 m² | 1 · 3,832 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 9,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2024
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.