Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of DILYA FLOWERS is 6.3% (elevated). The 2024 annual accounts show equity of €218 and a net result of €-1k. Its solvency ranks better than 31% of 6722 sector peers (fiscal year 2024). 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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone6.3%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate region
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 19 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 19-09-2025, 50 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 | 19-09-2025 | 50 d late | 2025-00498288 |
| 31-12-2023 | 31-07-2024 | 07-10-2024 | 68 d late | 2024-00500044 |
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 signalsMore 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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-1k
Working capital€-316
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 19-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 3.3% | 20.4% | |
| Net result | €-1k | €4k | |
| Equity | €218 | €16k | |
| Gross operating margin | €11k | €24k | |
| Staff costs | €11k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-337
-
23-24
€-1k
-
23-24
€-466
-
23-24
€7k
-18.4%
23-24
€218
-84.1%
23-24
€-316
-
23-24
€11k
+12563.8%
23-24
€93
-
23-24
Show 9 other metrics
€6k
-5.0%
23-24
€6k
-5.0%
23-24
0.95
-7.0%
23-24
0.28
-51.0%
23-24
3.3%
-80.5%
23-24
29.29
+497.9%
23-24
-529.5%
-
23-24
-17.5%
-
23-24
-2.62
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-337 |
| Net profit | €-1k |
| Cash flow | €-466 |
| Staff costs | €11k |
| Income taxes | - |
| Dividends | - |
| Total assets | €7k |
| Equity | €218 |
| Debt | €6k |
| of which ≤ 1y | €6k |
| of which > 1y | - |
| Working capital | €-316 |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.95 |
| Quick ratio | 0.28 |
| Working capital ratio | -4.8% |
| Solvency | 3.3% |
| Debt / equity | 29.29 |
| Long-term debt ratio | - |
| Interest coverage | -2.62 |
| Gross margin | - |
| Net margin | - |
| ROA | -17.5% |
| ROE | -529.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €7k |
| Fixed assets | 21/28 | €534 |
| Tangible fixed assets | 22/27 | €534 |
| Current assets | 29/58 | €6k |
| Stocks & contracts in progress | 3 | €4k |
| Amounts receivable within one year | 40/41 | €162 |
| Cash & bank | 54/58 | €381 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €7k |
| Equity | 10/15 | €218 |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €-782 |
| Amounts payable | 17/49 | €6k |
| Amounts payable within one year | 42/48 | €6k |
| Trade debts payable within one year | 44 | €693 |
| Income statement | ||
| Gross operating margin | 9900 | €11k |
| Operating result | 9901 | €-1k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €129 |
| Result before taxes | 9903 | €-1k |
| Net result for the period | 9904 | €-1k |
| Result to be appropriated | 9905 | €-1k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed2
/ 100
Critical
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.
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 2024. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Current01-04-2025 → present
Former directors (1)
-
Former- → 31-03-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Detailhandel in bloemen, planten, zaden en kunstmeststoffen(47761) |
| Legal form | Private limited company(610) |
| Incorporation | 20-06-2023 |
| Status | Active |
| Postal code | 1082 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Keizer Karellaan 1431082 Sint-Agatha-BerchemEstablishment units
1 locationDILYA FLOWERS
since 20232.349.537.067
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area3,192 m²
Buildings2
Building footprint422 m²
Volume (LiDAR)4,540 m³
Tallest building18.7 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0148/00B000 | Brussels | 2,247 m² | 1 · 246 m² | 18.6 m · 5 fl. |
| 23070A0442/00R000 | Flanders | 944 m² | 1 · 176 m² | 8.2 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
3 acts All acts · 3
updated 2 months ago
2026
01-06-2026 General meeting · Share transfer · Officer resignation · Officer appointment
- Filing: 2026-05-22 · DILYA FLOWERS
- General meeting: 2026-03-31 · DILYA FLOWERS
- Share transfer: shares: 100, percentage: 100% · CETIK Tolga
- Officer resignation: date: 2026-03-31, role: bestuurder · CETIK Tolga
- Officer appointment: role: bestuurder, duration: onbepaalde duur, start_date: 2026-03-31 · ARUTUNIAN Diana
- Mandate compensation: costeloos · ARUTUNIAN Diana
- Power of attorney: date: 2026-03-31, scope: alle wettelijke en administratieve formaliteiten te vervullen, waaronder de publicatie in de Bijlagen bij het Belgisch Staatsblad, de aanpassing van de gegevens bij de Kruispuntbank van Ondernemingen en de aanpassing van het UBO-register, granted_by: algemene vergadering · ARUTUNIAN Diana
- Publication: 2026-06-01
- Act object: Aandelen - Ontslagen - Benoemingen
Summary:
General meeting · Share transfer · Officer resignation · Officer appointment
2025
12-06-2025 1 director appointed, 1 resigning
2023
22-06-2023 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured28
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
2
Profitability
0
Solvency
12
Growth
32
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 211 of the 3,385 companies in this sector. 6 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in bloemen, planten, zaden en kunstmeststoffen47761
Primary activity highlighted.
Names & trade names
| Legal nameNL | DILYA FLOWERS |
Registered office
Keizer Karellaan 143 bus 9
1082 Sint-Agatha-Berchem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.