VAN DYCK
ActiveSummary
The computed 12-month bankruptcy probability of VAN DYCK is 2.2% (moderate). The 2025 annual accounts show equity of €4,346 and a net result of €1,838. Its solvency ranks better than 35% of 22,793 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 08-08-2023 Normal situation
- Activity
- Retail trade NACE 47230and 1 other
- Establishment unit
- 2.348.217.075 2980 Zoersel, since 08-08-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Board and ownership
Board
- BUYTAERT San Patricia JuliaDirector
- VAN DYCK Stephan René MariaDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.2%
Annual accounts 2025
- Gross margin
- €10,598
- ▲ 53.8%
- Turnover
- ≈ €170,000
- estimated
- Profit
- €1,838
- ▲ 225×
- Equity
- €4,346
- ▲ 73.3%
- Total assets
- €25,978
- ▼ 19.4%
Score breakdownraises riskFounded in 2023Size: total assets €25,978Sector: Retail trade (NACE 47)Liquidity: current ratio 0.85, cash €716, halvedShow the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 43% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency
42+9
equity 16.7% of total assets
Liquidity
16+4
short-term debt 70.3% · cash 2.8%
Profitability
46+17
return on assets 7.1%
Bankruptcy probability within 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.3%
01-2025: 2.3%● unchanged vs 12-2024
02-2025: 2.6%▲ +0.3 percentage points vs 01-2025
03-2025: 2.9%▲ +0.3 percentage points vs 02-2025
04-2025: 2.9%● unchanged vs 03-2025
05-2025: 2.8%▼ -0.1 percentage points vs 04-2025
06-2025: 2.8%● unchanged vs 05-2025
07-2025: 3.0%▲ +0.2 percentage points vs 06-2025
08-2025: 3.2%▲ +0.2 percentage points vs 07-2025
09-2025: 3.2%● unchanged vs 08-2025highest value
10-2025: 2.5%▼ -0.7 percentage points vs 09-2025
11-2025: 2.5%● unchanged vs 10-2025
12-2025: 2.5%● unchanged vs 11-2025
01-2026: 2.5%● unchanged vs 12-2025
02-2026: 2.4%▼ -0.1 percentage points vs 01-2026
03-2026: 2.4%● unchanged vs 02-2026
04-2026: 2.5%▲ +0.1 percentage points vs 03-2026
05-2026: 2.3%▼ -0.2 percentage points vs 04-2026
06-2026: 2.3%● unchanged vs 05-2026
07-2026: 2.2%▼ -0.1 percentage points vs 06-2026
08-2026: 2.3%▲ +0.1 percentage points vs 07-2026
09-2026: 2.5%▲ +0.2 percentage points vs 08-2026
10-2026: 2.2%▼ -0.3 percentage points vs 09-2026lowest value
11-2026: 2.2%● unchanged vs 10-2026lowest value
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 33% of them on solvency, 15% on liquidity, 34% on profitability and 90% on growth.
The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
32 days early
2024
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 2 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-06-2026 at the NBB all 2 filings
Turnover
≈ €170,000
Estimated: probably between €84,000 and €370,000
Total assets
€25,978▼ 19.4%
2024 · €32,225
Net result
€1,838▲ 225×
2024 · €8
Working capital
-€2,763▲ 72.2%
2024 · -€9,954
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€7,576
▲ 44.2%
2025
20242025
Net result
€1,838
▲ 225×
2025
middle half of the sector
20242025
Equity
€4,346
▲ 73.3%
2025
middle half of the sector
20242025
Total assets
€25,978
▼ 19.4%
2025
lowest quarter of the sector
20242025
Debt
€21,632
▼ 27.2%
2025
20242025
Working capital
-€2,763
▲ 72.2%
2025
middle half of the sector
20242025
Solvency
16.7%
▲ 8.9pp
2025
middle half of the sector
20242025
Current ratio
0.85
▲ 0.18
2025
lowest quarter of the sector
20242025
Return on assets (ROA)
7.1%
▲ 7.0pp
2025
middle half of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€5,254-€7,576▲ 44.2%
Net result€8within the sector's middle half-€1,838within the sector's middle half▲ 225×
Equity€2,508below the sector's middle half-€4,346within the sector's middle half▲ 73.3%
Total assets€32,225below the sector's middle half-€25,978below the sector's middle half▼ 19.4%
Debt€29,717-€21,632▼ 27.2%
Working capital-€9,954within the sector's middle half--€2,763within the sector's middle half▲ 72.2%
Solvency7.8%within the sector's middle half-16.7%within the sector's middle half▲ 8.9pp
Current ratio0.67below the sector's middle half-0.85below the sector's middle half▲ 0.18
Return on assets (ROA)0.0%within the sector's middle half-7.1%within the sector's middle half▲ 7.0pp
above
within
below
The sector band is the middle half of the companies in Retail trade (NACE 47). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 44% higher than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,978
Fixed assets
€10,488 ▼ 15.8%
Current assets
€15,490 ▼ 21.6%
Equity and liabilities €25,978
Equity
€4,346 ▲ 73.3%
Debt
€21,632 ▼ 27.2%
Debt's share of the balance-sheet total falls from 92.2% to 83.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9,550▲
2024 · €6,036
Cash flow
€3,812▲
2024 · €790
Debt to equity
4.98▼
2024 · 11.85
ROE
42.3%▲
2024 · 0.3%
Interest coverage
2.21▲
2024 · 1.27
Debt ≤ 1 year
€18,254▼
2024 · €29,717
Debt > 1 year
€2,199
Income taxes
€1,504▲
2024 · €500
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €13,244 | - |
| Depreciation and write-downs of the year | €782 | €1,974 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €782 | €1,974 | ▲ 153% |
| Other operating charges640/8 | €855 | €1,047 | ▲ 22.6% |
| Gross operating margin9900 | €6,891 | €10,598 | ▲ 53.8% |
| Operating profit (loss)9901 | €5,254 | €7,576 | ▲ 44.2% |
| Financial income75/76B | €23 | €81 | ▲ 252% |
| Recurring financial income75 | €23 | €81 | ▲ 252% |
| Financial charges65/66B | €4,769 | €4,315 | ▼ 9.5% |
| Recurring financial charges65 | €4,769 | €4,315 | ▼ 9.5% |
| Profit (loss) for the period before taxes9903 | €508 | €3,342 | ▲ 558% |
| Income taxes67/77 | €500 | €1,504 | ▲ 201% |
| Profit (loss) for the period9904 | €8 | €1,838 | ▲ 225× |
| Profit (loss) for the period to be appropriated9905 | €8 | €1,838 | ▲ 225× |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €32,225 | €25,978 | ▼ 19.4% |
| Fixed assets21/28 | €12,462 | €10,488 | ▼ 15.8% |
| Tangible fixed assets22/27 | €12,462 | €10,488 | ▼ 15.8% |
| Plant, machinery and equipment23 | €12,462 | €10,488 | ▼ 15.8% |
| Current assets29/58 | €19,763 | €15,490 | ▼ 21.6% |
| Amounts receivable within one year40/41 | €15,182 | €14,171 | ▼ 6.7% |
| Trade receivables40 | €6,682 | €115 | ▼ 98.3% |
| Other amounts receivable41 | €8,500 | €14,056 | ▲ 65.4% |
| Cash at bank and in hand54/58 | €3,208 | €716 | ▼ 77.7% |
| Deferred charges and accrued income490/1 | €1,373 | €604 | ▼ 56.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €32,225 | €25,978 | ▼ 19.4% |
| Equity10/15 | €2,508 | €4,346 | ▲ 73.3% |
| Contributions10/11 | €2,500 | €2,500 | = |
| Reserves13 | €8 | €1,846 | ▲ 226× |
| Distributable reserves133 | €8 | €1,846 | ▲ 226× |
| Amounts payable17/49 | €29,717 | €21,632 | ▼ 27.2% |
| Amounts payable after more than one year17 | - | €2,199 | - |
| Financial debts170/4 | - | €2,199 | - |
| Amounts payable within one year42/48 | €29,717 | €18,254 | ▼ 38.6% |
| Current portion of amounts payable after more than one year42 | €5,569 | €1,668 | ▼ 70.1% |
| Trade debts44 | €22,198 | €14,111 | ▼ 36.4% |
| Suppliers440/4 | €22,198 | €14,111 | ▼ 36.4% |
| Taxes, remuneration and social security45 | €1,949 | €2,475 | ▲ 27.0% |
| Taxes450/3 | €1,949 | €475 | ▼ 75.6% |
| Remuneration and social security454/9 | - | €2,000 | - |
| Accrued charges and deferred income492/3 | - | €1,179 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €8 | €1,838 | ▲ 225× |
| + Depreciation and write-downs630 | €782 | €1,974 | ▲ 153% |
| Operating cash flow (approximation) | €790 | €3,812 | ▲ 383% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€2,492 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,976 companies had the same profile as VAN DYCK has now. Two years later, 94.4% were still going and 3.6% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
94.4%
was still going
1.8%
stopped otherwise
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of VAN DYCK itself: 2.2% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for VAN DYCK. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Directors
2 directors, no change since 2023
BUYTAERT San Patricia Julia
Current
Director (not named in the articles) · appointed in the act of 10-08-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 29-06-2026
VAN DYCK Stephan René Maria
Current
Director (not named in the articles) · appointed in the act of 10-08-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 29-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Indien de vennootschap door meer dan één bestuurders wordt bestuurd, mag iedere bestuurder, alleen optredend, alle handelingen stellen die…”
deed of 10-08-2023Owners and capital
Shareholders
At incorporation
act of 10-08-2023 ↗
- VAN DYCK Stephan René Maria founder
- BUYTAERT San Patricia Julia founder
Capital transactions
Capital over time
- 10-08-2023 Incorporation · €2,500 · 100 shares
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| BUYTAERT San Patricia Julia |
|
| VAN DYCK Stephan René Maria |
|
Network & group
VAN DYCK shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of VAN DYCK. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
29-06
micro format · 32 days before the deadline
2025
29-08
micro format · 29 days late
2023
10-08
Gazette deed
IncorporationStarting capital €2,500 · Appointments: VAN DYCK Stephan René Maria (director) and BUYTAERT San Patricia Julia (director) · Founder9 points ▸
Gazette deed
Incorporation
Starting capital €2,500 · Appointments: VAN DYCK Stephan René Maria (director) and BUYTAERT San Patricia Julia (director) · Founder9 points ▸
- Incorporation, 07-08-2023
- Founder, VAN DYCK Stephan René Maria
- Founder, BUYTAERT San Patricia Julia
- Founding capital, €2,500
- Director appointment, VAN DYCK Stephan René Maria (director (not named in the articles))
- Director appointment, BUYTAERT San Patricia Julia (director (not named in the articles))
- Other provision, “volmachten” (deed in Dutch)
- Bank account, 2500, “bijzondere rekening op naam vennootschap in oprichting” (deed in Dutch)
- Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen en activiteiten ondernomen in naam en voor rekening van vennootschap” (deed in Dutch)
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
VAN DYCK in Dutch
Enterprise number
0804.648.355
Legal form
Private limited company
Status
Active, normale toestand
Founded
08-08-2023
Entity type
Legal entity
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, Risschotlei 46,2980 Zoersel”
deed of 10-08-2023 (in Dutch)Registered office and establishments
Registered office
Risschotlei 46, 2980 Zoersel, Belgium
Establishment unit
VAN DYCK, Risschotlei 46, 2980 Zoersel since 08-08-2023 · unit number 2.348.217.075
Activities
NACEBEL 202547230
Retail trade main activity
46170
Agents in the wholesale of food, beverages and tobacco
Codes under NACEBEL 2008
47230
Retail trade main activity
46170
Wholesale trade
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 10-08-2023 (in Dutch)
“Markt- en straathandel in voedings- en genotmiddelen; Detailhandel in vis en schaal- en weekdieren in gespecialiseerde winkels…”
24 activities
- Markt- en straathandel in voedings- en genotmiddelen;
- Detailhandel in vis en schaal- en weekdieren in gespecialiseerde winkels;
- Handelsbemiddeling in voedings- en genotmiddelen;
- Diverse administratieve activiteiten ten behoeve van kantoren;
- Fotokopiëren,documentvoorbereiding en andere gespecialiseerde ondersteunende activiteiten ten behoeve van kantoren;
- Overige zakelijke dienstverlening;
- Overige adviesbureaus op het gebied van bedrijfsbeheer;adviesbureaus op het gebied van bedrijfsvoering;
- Verlenen van adviezen en hulp aan het bedrijfsleven en de overheid onder meer op het gebied van planning,organisatie,efficiëntie en toezicht en het verschaffen van informatie aan de bedrijfsleiding;
- Detailhandel in allerlei producten via het internet (e-commerce);
- Berekenen van de kosten en baten van de voorgestelde maatregelen onder meer op het gebied van planning,organisatie,efficiëntie;
- Managementactiviteiten van holdings,omvattende onder meer het tussenkomen in het dagelijks bestuur,vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal;
- Activiteiten van hoofdkantoren;
- Handelsbemiddeling gespecialiseerd in andere goederen;
- Bemiddeling bij de aankoop,verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis;
- Beheer van residentieel onroerend goed voor een vast bedrag of op contractbasis;
- Innen van de huur (residentiële gebouwen);
- Beheer van niet-residentieel onroerend goed voor een vast bedrag of op contractbasis;
- Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed,exclusief sociale woningen;
- Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed,exclusief terreinen;
- Overige vormen van onderwijs;
- Het verlenen van diensten,zoals het managen,verlenen van advies en bijstand,supervisie en werkzaamheden die verband houden met consultancy,marketing,communicatie,publiciteit en public relations;
- Belegging en beheer van vermogens,gaande van onroerende goederen,roerende goederen en rechten tot roerende goederen en kapitalen,dit alles hetzij voor eigen rekening,hetzij voor rekening van derden of in deelname met derden;deze aanduidingen en opsommingen zijn niet beperkend doch enkel van aanwijzende aard en te begrijpen in de ruimste zin;
- Het uitoefenen van mandaten van beheer en/of toezicht in vennootschappen of ondernemingen van gelijk welke aard,en het verstrekken van advies en bijstand in verband met het technisch,administratief,bedrijfseconomisch en algemeen beheer van ondernemingen en vennootschappen;
- Het verwerven,vervreemden,beheren,uitbaten,valoriseren,verkavelen,ordenen,huren en verhuren,het doen bouwen en/of verbouwen,promotie van en makelen in onroerende goederen evenals alle gelijksoortige onroerende transacties en verrichtingen in de meest ruime zin,met inbegrip van onroerende leasing.
Invoicing and payment
VAT number
BE 0804.648.355
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 18:00
deed of 10-08-2023 (in Dutch)Recognitions · licences · registrations
Food safety, FASFC
1 siteZoerselunit number 2.348.217.075
Sites & property
Location
Buildings and parcels at the address
Ground area
1,024 m²
Building footprint
166 m²
Building volume
1,268 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11055A0056/00Y008 | Flanders | 1,024 m² | 1 · 166 m² | 11.2 m · 3 |