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CHEZ DJO

Active
Private limited company·Detailhandel in groenten en fruit· 3 yrs active
Rue des Trois Boudins 11 ·7000 Mons, Belgium
KBO/BCE: BE 0804.025.476
Watch Print / PDF
Age3 yrs
Real estate1 parcel · 143 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CHEZ DJO is 3.3% (moderate). The 2025 annual accounts show equity of €2k and a net result of €-888. Its solvency ranks better than 78% of 1408 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 78% of 1408 peers (2025). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-12-2025, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 31-12-2025 31 d early 2026-00593401
30-06-2024 31-01-2025 26-12-2025 329 d late 2025-00590829

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
3.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-888+54.1%
Working capitalNot included in this filing

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 31-12-2025 with the NBB · fiscal year 2025 · micro
€-2k€-2k€-1k€-500€0Operating result 2024: €-2k€-2kNet result 2024: €-2k€-2kOperating result 2025: €-922€-922Net result 2025: €-888€-88820242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 61.3% 23.8%
better than 78% of 1408 sector peers
Net result €-888 €8k
better than 28% of 1405 sector peers
Equity €2k €26k
better than 26% of 1409 sector peers
Gross operating margin €-483 €36k
better than 15% of 1402 sector peers
Total assets €4k €133k
better than 5% of 1409 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-614
+61.3% 24-25
Net profit
€-888
+54.1% 24-25
Cash flow
€-580
+64.7% 24-25
Total assets
€4k
-11.4% 24-25
Equity
€2k
-29.0% 24-25
Debt
€1k
+45.7% 24-25
Solvency
61.3%
-19.8% 24-25
Debt / equity
0.63
+105.2% 24-25
ROE
-40.8%
+35.4% 24-25
ROA
-25.0%
+48.2% 24-25
Interest coverage
-8.77
+66.8% 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€-614
Net profit€-888
Cash flow€-580
Staff costs-
Income taxes-
Dividends-
Total assets€4k
Equity€2k
Debt€1k
of which ≤ 1y-
of which > 1y-
Working capital-
Employees (FTE)-
Ratios (computed)
2025
Current ratio-
Quick ratio-
Working capital ratio-
Solvency61.3%
Debt / equity0.63
Long-term debt ratio-
Interest coverage-8.77
Gross margin-
Net margin-
ROA-25.0%
ROE-40.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€4k
Fixed assets 21/28€635
Tangible fixed assets 22/27€635
Current assets 29/58€3k
Amounts receivable within one year 40/41€3k
Cash & bank 54/58€93
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€4k
Equity 10/15€2k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-3k
Amounts payable 17/49€1k
Income statement
Gross operating margin 9900€-483
Operating result 9901€-922
Financial income 75€104
Financial charges 65€70
Result before taxes 9903€-888
Net result for the period 9904€-888
Result to be appropriated 9905€-888
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
45 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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 des Trois Boudins 117000 Mons

Establishment units

1 location
CHEZ DJO
Rue des Trois Boudins 11, 7000 MonsEetgelegenheden met beperkte bediening
since 20232.348.385.836
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area143 m²
Buildings1
Building footprint63 m²
Volume (LiDAR)667 m³
Tallest building12.1 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53403G0014/00M000 Wallonia 143 m² 1 · 63 m² 12.1 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health45Profitability0Solvency98Growth58Stability94
59 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 45
Profitability 0
Solvency 98
Growth 58
Stability 94

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 240 of the 3,840 companies in this sector. 91 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in groenten en fruit47210Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR CHEZ DJO
Registered office
Rue des Trois Boudins 11 bus 1
7000 Mons, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.