BVBA DYCK
ActiveBVBA DYCK has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €9k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 74% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+41
Solvency90▼-10
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 3.97 in 2024), and 37.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
62.5%
Return on assets
7.3%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
72 d early
2023
70 d early
2022
70 d early
2021
54 d early
2020
36 d early
2019
59 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▼ 39.8%
2024 · €126k
2018: €153k
2019: €95k
2020: €85k
2021: €110k
2022: €125k
2023: €121k
2024: €126k
2018 → 2025
Total assets
€121k▼ 20.0%
2024 · €152k
2018: €187k
2019: €165k
2020: €157k
2021: €150k
2022: €194k
2023: €141k
2024: €152k
2018 → 2025
Net result
€9k▲ 95.7%
2024 · €5k
2018: €6k
2019: €4k
2020: €-10k
2021: €25k
2022: €15k
2023: €-4k
2024: €5k
2018 → 2025
Working capital
€26k▼ 65.7%
2024 · €76k
2018: €104k
2019: €45k
2020: €36k
2021: €61k
2022: €76k
2023: €72k
2024: €76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€125k▲ 13.7%€121k▼ 3.2%€126k▲ 3.7%€76k▼ 39.8%
Operating result€23k-€25k▲ 5.8%€5k▼ 78.1%€-3k€14k
Net result€25k-€15k▼ 39.5%€-4k€5k€9k▲ 95.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€50k=
Current assets
€72k▼ 29.8%
Equity and liabilities €121k
Equity
€76k▼ 39.8%
Debt
€45k▲ 76.8%
The debt ratio rises from 17.0% to 37.5%: debt grows while equity shrinks.
Key figures and ratios
Solvency
62.5%▼
2024 · 83.0%
Current ratio
1.58▼
2024 · 3.97
Quick ratio
1.05▼
2024 · 2.77
Debt / equity
0.60▲
2024 · 0.20
ROE
11.7%▲
2024 · 3.6%
ROA
7.3%▲
2024 · 3.0%
Debt
€45k▲
2024 · €26k
Debt ≤ 1 year
€45k▲
2024 · €26k
Income taxes
€5k▲
2024 · €-8k
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€152k€121k▼
Fixed assets21/28€50k€50k=
Tangible fixed assets22/27€50k€50k=
Land and buildings22€50k€50k=
Current assets29/58€102k€72k▼
Stocks and contracts in progress3€31k€24k▼
Stocks30/36€31k€24k▼
Amounts receivable within one year40/41€41k€37k▼
Trade receivables40€6k€5k▼
Other amounts receivable41€35k€32k▼
Cash at bank and in hand54/58€29k€10k▼
Deferred charges and accrued income490/1€799€834▲
Equity and liabilities
Total equity and liabilities10/49€152k€121k▼
Equity10/15€126k€76k▼
Contributions10/11€19k€19k=
Reserves13€107k€57k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€106k€55k▼
Amounts payable17/49€26k€45k▲
Amounts payable within one year42/48€26k€45k▲
Trade debts44€25k€23k▼
Suppliers440/4€25k€23k▼
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Other amounts payable47/48€926€18k▲
Income statement
Code20242025
Other operating charges640/8€957€982▲
Gross operating margin9900€-2k€15k▲
Operating profit (loss)9901€-3k€14k▲
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€30€31▲
Recurring financial charges65€30€31▲
Profit (loss) for the period before taxes9903€-3k€14k▲
Income taxes67/77€-8k€5k▲
Profit (loss) for the period9904€5k€9k▲
Profit (loss) for the period to be appropriated9905€5k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€9k▲
Transfer from equity791/2-€59k
Transfer to equity691/2€5k€9k▲
To other reserves6921€5k€9k▲
Profit to be distributed694/7-€59k
Return on contributions (dividend)694-€59k
The notes to these accounts (3 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.75
Current ratio from 2.11 to 4.75; short-term debt falls from €69k to €19k.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Equity above €100kEq €110k ▲29.4%
Equity rises from €85k to €110k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-10k ▼362%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Putte · 1 establishment unit since 1985
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.
Steenovenstraat 292580 PutteGround area
7,772 m²
Building footprint
517 m²
Volume, LiDAR
2,128 m³
Parcel 12001B0614/00B000, Flanders · tallest building 34.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Steenovenstraat 29, 2580 Putte
since 19852.027.342.758
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12001B0614/00B000 | Flanders | 7,772 m² | 1 · 517 m² | 34.9 m · 1 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePutte2.027.342.758
Similar companies · same sector, comparable size
S & A
BE 0877.051.630
Oostende · Eq €75k
MENGAL & Co
BE 0716.790.606
Chastre · Eq €77k
BRASSERIE BENOIT PEERBOOM
BE 0475.075.217
Soumagne · Eq €77k
BRASSERIE DE SOLEILMONT
BE 0430.589.829
Charleroi · Eq €74k
PANCHAKANYA
BE 0666.629.035
Mouscron · Eq €78k
Of 1,504 companies in sector 47252 we hold annual accounts for 651. 495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-06-1985
Fiscal year end31-12
Activities, NACEBEL
47252Retail sale of beverages, general range
52250Logistics services
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47512Retail sale of household textiles and bedding
47761Retail sale of flowers, plants, seeds and fertilisers
52112
52410
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.