D & I EXPRESS
ActiveThe computed 12-month bankruptcy probability of D & I EXPRESS is 1.7% (moderate). The 2024 annual accounts show equity of €113k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 64% of 18938 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
94
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency84▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.58 in 2023), but 55% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €113k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
51 d early
2022
87 d late
2021
452 d late
2020
241 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€113k▲ 102%
2023 · €56k
2018: €3k
2019: €6k
2020: €22k
2021: €43k
2022: €15k
2023: €56k
2018 → 2024
Total assets
€251k▲ 77.5%
2023 · €141k
2018: €15k
2019: €45k
2020: €83k
2021: €116k
2022: €102k
2023: €141k
2018 → 2024
Net result
€87k▲ 32.5%
2023 · €66k
2018: €3k
2019: €2k
2020: €16k
2021: €41k
2022: €-28k
2023: €66k
2018 → 2024
Working capital
€104k▲ 124%
2023 · €46k
2018: €3k
2019: €2k
2020: €23k
2021: €31k
2022: €4k
2023: €46k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€22k-€43k▲ 96.5%€15k▼ 65.0%€56k▲ 269%€113k▲ 102%
Operating result€19k-€49k▲ 151%€-24k€82k€111k▲ 36.5%
Net result€16k-€41k▲ 152%€-28k€66k€87k▲ 32.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 37% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €251k
Fixed assets
€9k▼ 38.3%
Current assets
€242k▲ 91.0%
Equity and liabilities €251k
Equity
€113k▲ 102%
Debt
€138k▲ 61.4%
The debt ratio falls from 60.4% to 55.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€117k▲
2023 · €90k
Cash flow
€93k▲
2023 · €74k
Solvency
45.0%▲
2023 · 39.6%
Current ratio
1.75▲
2023 · 1.58
Quick ratio
1.64▲
2023 · 1.54
Debt / equity
1.22▼
2023 · 1.53
ROE
77.1%▼
2023 · 117.6%
ROA
34.7%▼
2023 · 46.5%
Interest coverage
39.30▼
2023 · 44.47
Debt
€138k▲
2023 · €85k
Debt ≤ 1 year
€138k▲
2023 · €80k
Debt > 1 year
€0▼
2023 · €5k
Income taxes
€21k▲
2023 · €14k
Staff costs
€25k▼
2023 · €46k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€141k€251k▲
Fixed assets21/28€15k€9k▼
Tangible fixed assets22/27€15k€9k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€9k€4k▼
Current assets29/58€126k€242k▲
Stocks and contracts in progress3€3k€15k▲
Stocks30/36€3k€15k▲
Amounts receivable within one year40/41€64k€39k▼
Trade receivables40€0-
Other amounts receivable41€64k€39k▼
Cash at bank and in hand54/58€60k€178k▲
Deferred charges and accrued income490/1€0€9k▲
Equity and liabilities
Total equity and liabilities10/49€141k€251k▲
Equity10/15€56k€113k▲
Contributions10/11€19k€19k=
Reserves13€297€297=
Non-distributable reserves130/1€297€297=
Reserves not available under the articles1311€297€297=
Profit (loss) carried forward14€37k€94k▲
Amounts payable17/49€85k€138k▲
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€80k€138k▲
Current portion of amounts payable after more than one year42€17k€3k▼
Trade debts44€25k€81k▲
Suppliers440/4€25k€81k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€14k€23k▲
Taxes450/3€14k€20k▲
Remuneration and social security454/9€275€3k▲
Other amounts payable47/48€25k€30k▲
Income statement
Code20232024
Remuneration, social security and pensions62€46k€25k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€12k€14k▲
Non-recurring operating charges66A€749€0▼
Gross operating margin9900€148k€156k▲
Operating profit (loss)9901€82k€111k▲
Financial income75/76B€80-
Recurring financial income75€80-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€80k€108k▲
Income taxes67/77€14k€21k▲
Profit (loss) for the period9904€66k€87k▲
Profit (loss) for the period to be appropriated9905€66k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€124k▲
Profit (loss) brought forward from the previous period14P€-4k€37k▲
Profit to be distributed694/7€25k€30k▲
Directors or managers695€25k€30k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Highest result since 2018net €87k ▲32.5%
Operating result €111k, net result €87k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲102%
2 profitable years in a row build equity to €113k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 87 days late
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 452 days late
2022
31-12
Financial
Weakest financial yearnet €-28k ▼168%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 241 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
30-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Ninove · 2 establishment units since 2003
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.
Kantonstraat 259403 NinoveGround area
564 m²
Building footprint
222 m²
Volume, LiDAR
1,388 m³
2 parcels, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Kantonstraat 25, 9403 Ninove
since 20032.131.596.774
D & I SNACK
since 20202.300.570.972
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41045A0178/00T000 | Flanders | 406 m² | 1 · 87 m² | 9.9 m · 2 fl. |
| 23072E0252/00S000 | Flanders | 158 m² | 1 · 136 m² | 11.6 m · 1 fl. |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteLennik2.300.570.972
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Of 21,633 companies in sector 56112 we hold annual accounts for 9,658. 7,564 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-11-2002
Fiscal year end31-12
Activities, NACEBEL
52112
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:DIEXPRESSSPRL1@GMAIL.COM
Phone:0471953638