D4U SOLUTION · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of D4U SOLUTION is 1.4% (low). The 2023 annual accounts show equity of €6k and a net result of €6k. Equity is growing by ~157.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 825 sector peers (fiscal year 2023). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 385 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Latest accounts filed on time

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-07-2024, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 6 filed financial years, each closing on 31-12. 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 31-12-2023, that is 31-07-2024.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	29-07-2024	2 d early	2024-00328321
31-12-2022	31-07-2023	25-07-2023	6 d early	2023-00305893
31-12-2021	31-07-2022	25-07-2022	6 d early	2022-20229470
31-12-2020	31-07-2021	23-08-2021	23 d late	2021-51500116
31-12-2017	31-07-2018	21-02-2019	205 d late	2019-05500475
31-12-2016	31-07-2017	31-08-2017	31 d late	2017-58700553

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

Established

Founded in 2015, 11 years in business.

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

1.4% Low

0%0,5%1,5%4%10%≥25%

Annual accounts: weaker financial profile +Higher-failure-rate sector +Higher-failure-rate region +

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€6k

Working capital€6k

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 29-07-2024 with the NBB · fiscal year 2023 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~157.6%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	19.0%	18.0%	better than 51% of 825 sector peers
Net result	€6k	€11k	better than 45% of 821 sector peers
Equity	€6k	€80k	better than 26% of 826 sector peers
Gross operating margin	€10k	€162k	better than 16% of 745 sector peers
Total assets	€30k	€648k	better than 6% of 825 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P51

Improving position over 2020-2023 · n=459-825

Net result P45

Improving position over 2020-2023 · n=460-821

Equity P26

Stable position over 2020-2023 · n=460-826

Gross operating margin P16

Stable position over 2020-2023 · n=384-745

Describes the position versus peers, not a forecast.

Net profit

€6k

- 20-23

Total assets

€30k

+11.2% 20-23

Equity

€6k

- 20-23

Working capital

€6k

- 20-23

Income taxes

€16k

- 20-23

Debt

€24k

-10.4% 20-23

Debt ≤ 1y

€24k

-10.4% 20-23

Debt > 1y

€1k

- 20-23

Show 6 other metrics

Current ratio

1.23

+24.1% 20-23

Quick ratio

0.28

+28.4% 20-23

Solvency

19.0%

- 20-23

Debt / equity

4.27

- 20-23

ROE

102.6%

-92.6% 20-23

ROA

19.5%

- 20-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	volledig
Revenue	-
EBITDA	-
Net profit	€6k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€30k
Equity	€6k
Debt	€24k
of which ≤ 1y	€24k
of which > 1y	-
Working capital	€6k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	1.23
Quick ratio	0.28
Working capital ratio	19.0%
Solvency	19.0%
Debt / equity	4.27
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	19.5%
ROE	102.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Equity & liabilities

Equity €6k · 19.0% Debt €24k · 81.0%

Full annual accounts (18 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€30k
Current assets	29/58	€30k
Stocks & contracts in progress	3	€23k
Amounts receivable within one year	40/41	€878
Cash & bank	54/58	€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€30k
Equity	10/15	€6k
Contributions / capital	10/11	€6k
Accumulated profits (losses)	14	€-511
Amounts payable	17/49	€24k
Amounts payable within one year	42/48	€24k
Trade debts payable within one year	44	€14k
Income statement
Gross operating margin	9900	€10k
Operating result	9901	€10k
Financial charges	65	€4k
Result before taxes	9903	€6k
Net result for the period	9904	€6k
Result to be appropriated	9905	€6k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2023 · computed

58 / 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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

PERUWELZ SHOP

Rue Albert 1er(PER) 60, 7600 PéruwelzDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)

since 20162.254.524.181

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area60 m²

Buildings1

Building footprint62 m²

Volume (LiDAR)703 m³

Tallest building12.9 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.
57064D0538/02T000	Wallonia	60 m²	1 · 62 m²	12.9 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

0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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.