DISCOUNTI
ActiveThe computed 12-month bankruptcy probability of DISCOUNTI is 2.1% (moderate). The 2025 annual accounts show equity of €20k and a net result of €22k. Its solvency ranks better than 25% of 10252 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+82
Solvency41▲+13
Growth78
Track record82
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.06 in 2024; short-term debt: 58.7% and cash: 10.7% of total assets), and 84.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15.6%
Return on assets
17.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€20k▲ 416%
2024 · €4k
2024: €4k
2024 → 2025
Total assets
€126k▼ 10.7%
2024 · €141k
2024: €141k
2024 → 2025
Net result
€22k
2024 · €-11k
2024: €-11k
2024 → 2025
Working capital
€18k▲ 218%
2024 · €6k
2024: €6k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€4k-€20k▲ 416%
Operating result€-10k-€23k
Net result€-11k-€22k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €23k after a loss of €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€34k▼ 18.8%
Current assets
€92k▼ 7.3%
Equity and liabilities €126k
Equity
€20k▲ 416%
Debt
€107k▼ 22.5%
The debt ratio falls from 97.3% to 84.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €-6k
Cash flow
€32k▲
2024 · €-7k
Solvency
15.6%▲
2024 · 2.7%
Current ratio
1.24▲
2024 · 1.06
Quick ratio
0.20▼
2024 · 0.22
Debt / equity
5.42▼
2024 · 36.08
ROE
112.3%▲
2024 · -293.3%
ROA
17.5%▲
2024 · -7.9%
Interest coverage
13.83▲
2024 · -5.51
Debt
€107k▼
2024 · €138k
Debt ≤ 1 year
€74k▼
2024 · €93k
Debt > 1 year
€32k▼
2024 · €44k
Staff costs
€6k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€141k€126k▼
Fixed assets21/28€42k€34k▼
Intangible fixed assets21€10k€9k▼
Tangible fixed assets22/27€32k€26k▼
Furniture and vehicles24€14k€11k▼
Other tangible fixed assets26€19k€15k▼
Financial fixed assets28€205€205=
Current assets29/58€99k€92k▼
Stocks and contracts in progress3€79k€77k▼
Stocks30/36€79k€77k▼
Amounts receivable within one year40/41€8k-
Other amounts receivable41€8k-
Cash at bank and in hand54/58€12k€13k▲
Deferred charges and accrued income490/1€129€1k▲
Equity and liabilities
Total equity and liabilities10/49€141k€126k▼
Equity10/15€4k€20k▲
Contributions10/11€15k€15k=
Outside capital11€15k€15k=
Other1109/19€15k€15k=
Profit (loss) carried forward14€-11k€5k▲
Amounts payable17/49€138k€107k▼
Amounts payable after more than one year17€44k€32k▼
Financial debts170/4€44k€32k▼
Amounts payable within one year42/48€93k€74k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€40k€54k▲
Suppliers440/4€40k€54k▲
Taxes, remuneration and social security45€1k€9k▲
Taxes450/3-€7k
Remuneration and social security454/9€1k€1k▲
Other amounts payable47/48€41k-
Income statement
Code20242025
Remuneration, social security and pensions62€12k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€10k▲
Other operating charges640/8€135€1k▲
Gross operating margin9900€6k€41k▲
Operating profit (loss)9901€-10k€23k▲
Financial income75/76B€1€1k▲
Recurring financial income75€1€1k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-11k€22k▲
Profit (loss) for the period9904€-11k€22k▲
Profit (loss) for the period to be appropriated9905€-11k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€11k▲
Profit (loss) brought forward from the previous period14P-€-11k
Profit to be distributed694/7-€6k
Return on contributions (dividend)694-€6k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Fosses-la-Ville · 1 establishment unit since 2024
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 du Cimetière 6/A5070 Fosses-la-VilleGround area
6,876 m²
Building footprint
504 m²
Parcel 92048D0283/00M004, Wallonia. Linked by address, not a title deed.
1 establishment unit
Bureau Vallée
since 20242.359.984.561
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92048D0283/00M004 | Wallonia | 6,876 m² | 1 · 504 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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RULAU
BE 0769.495.357
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PINOCULUS
BE 1003.032.557
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Of 2,347 companies in sector 47621 we hold annual accounts for 1,246. 933 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2024
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
46492Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
82100Office administrative and support services
82190Office administrative, office support and other business support activities
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.