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DERO

Active
Waterstraat 50 ·3740 Bilzen-Hoeselt, Belgium
KBO/BCE: BE 0790.362.730
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Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs
Board2
Staff (FTE)7
Real estate1 parcel · 1,659 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DERO is 2.3% (moderate). The 2024 annual accounts show equity of €154k and a net result of €66k. Its solvency ranks better than 50% of 633 sector peers (fiscal year 2024). The company has been active since 2022 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
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

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
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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.
How we compute the deadline
The year end is derived from 2 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 31-12-2024, that is 31-07-2025.
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 25-08-2025 25 d late 2025-00398458
31-12-2023 31-07-2024 26-08-2024 26 d late 2024-00367250

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 2022, 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
2.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

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€66k-16.1%
Working capital€-22k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · micro
€0€25k€50k€75k€100kOperating result 2023: €99k€99kNet result 2023: €78k€78kOperating result 2024: €75k€75kNet result 2024: €66k€66k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 20.8% 21.2%
better than 50% of 633 sector peers
Net result €66k €7k
better than 91% of 632 sector peers
Equity €154k €25k
better than 89% of 633 sector peers
Gross operating margin €252k €60k
better than 87% of 631 sector peers
Staff costs €140k €61k
higher than 79% of 426 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€110k
-0.9% 23-24
Net profit
€66k
-16.1% 23-24
Cash flow
€100k
+12.0% 23-24
Total assets
€738k
+286.9% 23-24
Equity
€154k
+74.4% 23-24
Working capital
€-22k
- 23-24
Employees (FTE)
7
+18.6% 23-24
Staff costs
€140k
-18.8% 23-24
Income taxes
€697
-96.3% 23-24
Debt
€585k
+469.4% 23-24
Debt ≤ 1y
€124k
+59.6% 23-24
Debt > 1y
€461k
+1747.1% 23-24
Current ratio
0.82
-32.4% 23-24
Quick ratio
0.71
-32.3% 23-24
Solvency
20.8%
-54.9% 23-24
Debt / equity
3.80
+226.5% 23-24
ROE
42.7%
-51.9% 23-24
ROA
8.9%
-78.3% 23-24
Interest coverage
11.44
-73.4% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€110k
Net profit€66k
Cash flow€100k
Staff costs€140k
Income taxes€697
Dividends-
Total assets€738k
Equity€154k
Debt€585k
of which ≤ 1y€124k
of which > 1y€461k
Working capital€-22k
Employees (FTE)7.0
Ratios (computed)
2024
Current ratio0.82
Quick ratio0.71
Working capital ratio-3.0%
Solvency20.8%
Debt / equity3.80
Long-term debt ratio3.00
Interest coverage11.44
Gross margin-
Net margin-
ROA8.9%
ROE42.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€738k
Fixed assets 21/28€637k
Tangible fixed assets 22/27€637k
Current assets 29/58€102k
Stocks & contracts in progress 3€13k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€86k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€738k
Equity 10/15€154k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€144k
Amounts payable 17/49€585k
Amounts payable after one year 17€461k
Amounts payable within one year 42/48€124k
Trade debts payable within one year 44€34k
Income statement
Gross operating margin 9900€252k
Operating result 9901€75k
Financial income 75€772
Financial charges 65€10k
Result before taxes 9903€66k
Income taxes 67/77€697
Net result for the period 9904€66k
Result to be appropriated 9905€66k
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 2024 · computed
48 / 100 Fair
050100
Computed from 5 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 2024. Indicative, not credit advice.

Directors

Directors & mandates

2 directors
Current directors & mandates
  • Robbie Dello
    Director
    State Gazette act 25094392 (24-07-2025)
    Current
    24-07-2025 → present
  • Debby Geurts
    Director
    State Gazette act 25094392 (24-07-2025)
    Current
    01-07-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712)
Legal form Private limited company(610)
Incorporation02-09-2022
StatusActive
Postal code3740

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
Bakkerij Dello
Waterstraat 50, 3740 Bilzen-HoeseltAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk
since 20222.335.294.695
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,659 m²
Buildings1
Building footprint407 m²
Volume (LiDAR)2,272 m³
Tallest building10.1 m · ±2 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73056B0318/00P000 Flanders 1,659 m² 1 · 407 m² 10.1 m · 2 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

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 1 year ago
2025
24-07-2025 2 directors appointed Director changes
  • Debby Geurts, Bestuurder
  • Robbie Dello, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health48Profitability100Solvency23Growth52Stability94
63 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 48
Profitability 100
Solvency 23
Growth 52
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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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

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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 465 of the 4,216 companies in this sector. 366 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241
Primary activity highlighted.
Names & trade names
Legal nameNL DERO
Registered office
Waterstraat 50
3740 Bilzen-Hoeselt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.