Skip to content

DMZ GROUP

Active
Route de Châtelet 197 ·6010 Charleroi, Belgium
KBO/BCE: BE 0794.742.477
Watch Print / PDF
Age3 yrs
Board1
Real estate2 parcels · 491 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DMZ GROUP is 3.8% (moderate). The 2024 annual accounts show equity of €17k and a net result of €3k. Its solvency ranks better than 80% 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

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 80% of 633 peers (2024). A comfortable equity buffer.
View the sector comparison
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.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-05-2025, 70 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 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 22-05-2025 70 d early 2025-00104131
31-12-2023 31-07-2024 07-02-2024 175 d early 2024-00027510

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
3.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Multiple establishment units +

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€3k-79.4%
Working capital€10k-23.5%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 22-05-2025 with the NBB · fiscal year 2024 · micro
€0€5k€10k€15kOperating result 2023: €14k€14kNet result 2023: €14k€14kOperating result 2024: €4k€4kNet result 2024: €3k€3k20232024
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 52.0% 21.2%
better than 80% of 633 sector peers
Net result €3k €7k
better than 41% of 632 sector peers
Equity €17k €25k
better than 42% of 633 sector peers
Gross operating margin €8k €60k
better than 20% of 631 sector peers
Total assets €33k €134k
better than 14% of 633 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€5k
-62.3% 23-24
Net profit
€3k
-79.4% 23-24
Cash flow
€4k
-68.3% 23-24
Total assets
€33k
+99.8% 23-24
Equity
€17k
+19.2% 23-24
Working capital
€10k
-23.5% 23-24
Staff costs
€3k
- 23-24
Debt
€16k
+649.5% 23-24
Debt ≤ 1y
€9k
+342.5% 23-24
Debt > 1y
€7k
- 23-24
Current ratio
2.06
-71.1% 23-24
Quick ratio
1.51
-71.2% 23-24
Solvency
52.0%
-40.3% 23-24
Debt / equity
0.92
+528.9% 23-24
ROE
16.1%
-82.7% 23-24
ROA
8.4%
-89.7% 23-24
Interest coverage
6.16
-97.4% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€5k
Net profit€3k
Cash flow€4k
Staff costs-
Income taxes-
Dividends-
Total assets€33k
Equity€17k
Debt€16k
of which ≤ 1y€9k
of which > 1y€7k
Working capital€10k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.06
Quick ratio1.51
Working capital ratio30.1%
Solvency52.0%
Debt / equity0.92
Long-term debt ratio0.38
Interest coverage6.16
Gross margin-
Net margin-
ROA8.4%
ROE16.1%
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€33k
Fixed assets 21/28€14k
Tangible fixed assets 22/27€14k
Current assets 29/58€19k
Stocks & contracts in progress 3€5k
Amounts receivable within one year 40/41€926
Cash & bank 54/58€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€33k
Equity 10/15€17k
Contributions / capital 10/11€1k
Accumulated profits (losses) 14€16k
Amounts payable 17/49€16k
Amounts payable after one year 17€7k
Amounts payable within one year 42/48€9k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€8k
Operating result 9901€4k
Financial charges 65€843
Result before taxes 9903€3k
Net result for the period 9904€3k
Result to be appropriated 9905€3k
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
93 / 100 Excellent
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

3 directors
Current directors & mandates
  • Bak Muhammet
    Director
    State Gazette act 25142402 (07-11-2025)
    Current
    29-10-2025 → present
Former directors (2)
  • Demir Murat
    Director
    State Gazette act 25049430 (15-04-2025)
    Former
    01-04-2025 → 29-10-2025
    2 events
    • 29-10-2025 Resigned· Director
    • 01-04-2025 Appointed· Director
  • Doganay Zeynep
    Director
    State Gazette act 25049430 (15-04-2025)
    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 Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712)
Legal form Private limited company(610)
Incorporation13-12-2022
StatusActive
Postal code6010

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.

Route de Châtelet 1976010 Charleroi

Establishment units

2 locations
Route de Châtelet 197, 6010 Charleroi
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
since 20222.339.010.191
Mouscron Mini Market
Christusstraat 30, 7700 MouscronNiet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
since 20262.384.395.897
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area491 m²
Buildings2
Building footprint89 m²
Volume (LiDAR)808 m³
Tallest building11.4 m · ±3 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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52014A0091/00E025 Wallonia 345 m² 1 · 57 m² 11.4 m · 3 fl.
54433E0618/00L005 Wallonia 146 m² 1 · 31 m² 10.2 m · 3 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

4 acts
Capital history · 2
15-04-2025
v3.2
26-01-2024
v3.2
All acts · 4 updated 9 months ago
2025
07-11-2025 1 director appointed, 1 resigning Director changes
  • Bak Muhammet, Bestuurder
  • Demir Murat, Bestuurder
Summary: v3.2
15-04-2025 Transaction in capital or shares Capital & shares
Summary: v3.2
2024
26-01-2024 Transaction in capital or shares Capital & shares
Summary: v3.2
2022
15-12-2022 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability80Solvency96Growth52Stability94
83 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93
Profitability 80
Solvency 96
Growth 52
Stability 94

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

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

Coming soon
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

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

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. 368 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 banketbakkerswerk10712Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110
Primary activity highlighted.
Names & trade names
Legal nameFR DMZ GROUP
Registered office
Route de Châtelet 197
6010 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.