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Generated 12-08-2026
Active BE 1003.253.380Public limited company

MLDL

Chaussée de Louvain(BU) 336 ·5004 Namur, Belgium· 2 yrs active
Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of MLDL is 1.8% (moderate). The 2024 annual accounts show equity of €125k and a net result of €25k. Its solvency ranks better than 30% of 866 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 1 annual account.
Key figures
Equity €125k
Net result €25k
Staff (FTE) 47.9
Better than sector 30%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health58Profitability100Solvency21Growth-Stability67
62 / 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 58
Profitability 100
Solvency 21
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
1.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
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.
Health barometer FY 2024 · computed
58 / 100 Fair
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 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 30-07-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 5.3% 17.3%
better than 30% of 866 sector peers
Net result €25k €14k
better than 56% of 867 sector peers
Equity €125k €100k
better than 55% of 868 sector peers
Gross operating margin €1.91M €213k
better than 95% of 794 sector peers
Staff costs €1.82M €219k
higher than 92% of 715 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenue-
EBITDA€94k
Net profit€25k
Cash flow€56k
Staff costs€1.82M
Income taxes€13k
Dividends-
Total assets€2.35M
Equity€125k
Debt€2.17M
of which ≤ 1y€1.79M
of which > 1y€200k
Working capital€513k
Employees (FTE)47.9
Ratios (computed)
2024
Current ratio1.29
Quick ratio0.97
Working capital ratio21.8%
Solvency5.3%
Debt / equity17.35
Long-term debt ratio1.60
Interest coverage2.42
Gross margin-
Net margin-
ROA1.1%
ROE20.2%
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€2.35M
Fixed assets 21/28€51k
Intangible fixed assets 21€1
Tangible fixed assets 22/27€50k
Financial fixed assets 28€500
Current assets 29/58€2.30M
Stocks & contracts in progress 3€562k
Amounts receivable within one year 40/41€216k
Cash & bank 54/58€1.52M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.35M
Equity 10/15€125k
Contributions / capital 10/11€100k
Reserves 13€1k
Accumulated profits (losses) 14€24k
Provisions & deferred taxes 16€52k
Amounts payable 17/49€2.17M
Amounts payable after one year 17€200k
Amounts payable within one year 42/48€1.79M
Trade debts payable within one year 44€1.21M
Income statement
Gross operating margin 9900€1.91M
Operating result 9901€63k
Financial income 75€14k
Financial charges 65€39k
Result before taxes 9903€38k
Income taxes 67/77€13k
Net result for the period 9904€25k
Result to be appropriated 9905€25k
Ratios computed by Checked.
Legal Structure
NACE primary Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form Public limited company(014)
Incorporation12-12-2023
StatusActive
Postal code5004
Establishment units 1 location
Delhaize de Bouge
Chaussée de Louvain(BU) 336, 5004 NamurDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)
since 20242.355.120.705
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92021E0070/00_000indicative Wallonia 417 m² 1 · 73 m² 13.6 m · 4 fl.
Methodology
via registered seat: 1
0 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
30-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
06-03-2025
State Gazette act Director changes
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
06-03-2025 Simon DEFOSSÉ appointed as daily management Director changes
  • Simon DEFOSSÉ, Dagelijks bestuur
Technical details 
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      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
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        "name": "Nino NOZZA",
        "address": "6120 Ham-sur-Heure-Nalinnes! Rue de Gourdinne 125",
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Li\u00E8ge",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-03-06",
    "filing_date": "2025-01-28",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2025-01-28",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1003.253.380",
    "name_full": "MLDL",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Simon DEFOSS\u00C9",
    "org_rep_person_name": null,
    "person_role_at_subject": "Mandataire sp\u00E9cial"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
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.
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
Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621
Primary activity highlighted.
Names & trade names
Legal nameFR MLDL
Registered office
Chaussée de Louvain(BU) 336
5004 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative