DONNA FIORE · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DONNA FIORE is 0.2% (very low). The 2023 annual accounts show equity of €93k and a net result of €42k. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

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, 13 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 30-09-2025, 61 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 4 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	30-09-2025	61 d late	2025-00513681
31-12-2023	31-07-2024	22-08-2024	22 d late	2024-00359440
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00384202
31-12-2021	31-07-2022	31-08-2022	31 d late	2022-20358324

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 2020, 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

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

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€42k

Working capital€65k

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€67k
Net profit	€42k
Cash flow	€49k
Staff costs	-
Income taxes	€18k
Dividends	-
Total assets	€182k
Equity	€93k
Debt	€89k
of which ≤ 1y	€39k
of which > 1y	€51k
Working capital	€65k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	2.70
Quick ratio	2.70
Working capital ratio	35.9%
Solvency	51.2%
Debt / equity	0.95
Long-term debt ratio	0.54
Interest coverage	161.12
Gross margin	-
Net margin	-
ROA	23.3%
ROE	45.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €78k · 43.0% Current assets €104k · 57.0%

Equity & liabilities

Equity €93k · 51.2% Debt €89k · 48.9%

Full annual accounts

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

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€182k
Fixed assets	21/28	€78k
Tangible fixed assets	22/27	€78k
Current assets	29/58	€104k
Amounts receivable within one year	40/41	€95k
Cash & bank	54/58	€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€182k
Equity	10/15	€93k
Contributions / capital	10/11	€10k
Reserves	13	€67k
Accumulated profits (losses)	14	€16k
Amounts payable	17/49	€89k
Amounts payable after one year	17	€51k
Amounts payable within one year	42/48	€39k
Trade debts payable within one year	44	€8k
Income statement
Gross operating margin	9900	€73k
Operating result	9901	€61k
Financial charges	65	€415
Result before taxes	9903	€60k
Income taxes	67/77	€18k
Net result for the period	9904	€42k
Result to be appropriated	9905	€42k

Ratios computed by Checked.

Health barometer

FY 2023 · computed

93 / 100 Excellent

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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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

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.

Oude Wijnendalestraat 98820 Torhout

Establishment units

1 location

DONNA FIORE

Oude Wijnendalestraat 9, 8820 TorhoutOverige vormen van onderwijs

since 20202.313.307.468

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

Parcels1

Ground area1,743 m²

Buildings1

Building footprint220 m²

Volume (LiDAR)870 m³

Tallest building7.3 m · ±1 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.
31033A0183/00B003	Flanders	1,743 m²	1 · 220 m²	7.3 m · 1 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

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. 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.

Analysis

Snowflake analysis

financial profile on 5 axes

92 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93

Profitability 100

Solvency 96

Growth -

Stability 79

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