DCIG
ActiveSummary
DCIG has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146,520 and a net result of €2,434. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 11508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70=
Solvency81▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 2.23 against 2.95 in 2024; short-term debt: 43.6% and cash: 11.9% of total assets), and 43.6% of the assets are financed with debt.
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Signals
Four 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
56.4%
Return on assets
0.9%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
48 d early
2023
54 d early
2022
48 d early
2021
38 d early
2020
39 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 13 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€146,520▲ 1.7%
2024 · €144,086
Total assets
€259,756▲ 23.8%
2024 · €209,894
Net result
€2,434▼ 16.1%
2024 · €2,900
Working capital
€138,827▲ 7.9%
2024 · €128,615
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€39,872▲ 10.4%€39,274▼ 1.5%€25,217▼ 35.8%€6,148▼ 75.6%€5,559▼ 9.6%
Net result€27,835within the sector's middle half▲ 10.8%€26,461within the sector's middle half▼ 4.9%€16,072within the sector's middle half▼ 39.3%€2,900within the sector's middle half▼ 82.0%€2,434within the sector's middle half▼ 16.1%
Equity€142,578within the sector's middle half▲ 24.3%€149,602within the sector's middle half▲ 4.9%€153,054within the sector's middle half▲ 2.3%€144,086within the sector's middle half▼ 5.9%€146,520within the sector's middle half▲ 1.7%
Total assets€187,954within the sector's middle half▲ 21.8%€221,510within the sector's middle half▲ 17.9%€168,150within the sector's middle half▼ 24.1%€209,894within the sector's middle half▲ 24.8%€259,756within the sector's middle half▲ 23.8%
Debt€45,376▲ 14.8%€71,908▲ 58.5%€15,096▼ 79.0%€65,808▲ 336%€113,236▲ 72.1%
Working capital€142,578above the sector's middle half▲ 24.3%€150,851above the sector's middle half▲ 5.8%€131,187above the sector's middle half▼ 13.0%€128,615above the sector's middle half▼ 2.0%€138,827above the sector's middle half▲ 7.9%
Solvency75.9%above the sector's middle half▲ 1.5pp67.5%above the sector's middle half▼ 8.3pp91.0%above the sector's middle half▲ 23.5pp68.6%within the sector's middle half▼ 22.4pp56.4%within the sector's middle half▼ 12.2pp
Current ratio4.14above the sector's middle half▲ 0.243.13within the sector's middle half▼ 1.0110.57above the sector's middle half▲ 7.432.95within the sector's middle half▼ 7.612.23within the sector's middle half▼ 0.73
Return on assets (ROA)14.8%above the sector's middle half▼ 1.5pp11.9%within the sector's middle half▼ 2.9pp9.6%within the sector's middle half▼ 2.4pp1.4%within the sector's middle half▼ 8.2pp0.9%within the sector's middle half▼ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €259,756
Fixed assets
€7,693 ▼ 50.3%
Current assets
€252,063 ▲ 29.6%
Equity and liabilities €259,756
Equity
€146,520 ▲ 1.7%
Debt
€113,236 ▲ 72.1%
Debt's share of the balance-sheet total rises from 31.4% to 43.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13,337▼
2024 · €13,926
Cash flow
€10,212▼
2024 · €10,678
Debt to equity
0.77▲
2024 · 0.46
ROE
1.7%▼
2024 · 2.0%
Interest coverage
31.46▲
2024 · 19.73
Debt ≤ 1 year
€113,236▲
2024 · €65,808
Income taxes
€2,701▲
2024 · €2,542
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.8%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €85 | €7,778 | €7,778 | = |
| Other operating charges640/8 | - | €122 | €479 | €990 | €948 | ▼ 4.2% |
| Gross operating margin9900 | €40,475 | €39,396 | €25,781 | €14,916 | €14,285 | ▼ 4.2% |
| Operating profit (loss)9901 | €39,872 | €39,274 | €25,217 | €6,148 | €5,559 | ▼ 9.6% |
| Financial charges65/66B | - | €1,942 | €2,382 | €706 | €424 | ▼ 39.9% |
| Recurring financial charges65 | €273 | €1,942 | €2,382 | €706 | €424 | ▼ 39.9% |
| Profit (loss) for the period before taxes9903 | €39,599 | €37,332 | €22,835 | €5,442 | €5,135 | ▼ 5.6% |
| Income taxes67/77 | €11,764 | €10,871 | €6,763 | €2,542 | €2,701 | ▲ 6.3% |
| Profit (loss) for the period9904 | €27,835 | €26,461 | €16,072 | €2,900 | €2,434 | ▼ 16.1% |
| Profit (loss) for the period to be appropriated9905 | €27,835 | €26,461 | €16,072 | €2,900 | €2,434 | ▼ 16.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €187,954 | €221,510 | €168,150 | €209,894 | €259,756 | ▲ 23.8% |
| Fixed assets21/28 | - | - | €23,249 | €15,471 | €7,693 | ▼ 50.3% |
| Tangible fixed assets22/27 | - | - | €23,249 | €15,471 | €7,693 | ▼ 50.3% |
| Furniture and vehicles24 | - | - | €23,249 | €15,471 | €7,693 | ▼ 50.3% |
| Current assets29/58 | €187,954 | €221,510 | €144,901 | €194,423 | €252,063 | ▲ 29.6% |
| Amounts receivable within one year40/41 | €74,302 | €90,760 | €57,009 | €80,148 | €219,914 | ▲ 174% |
| Trade receivables40 | - | €90,760 | €52,637 | €51,319 | €218,696 | ▲ 326% |
| Other amounts receivable41 | - | - | €4,372 | €28,829 | €1,218 | ▼ 95.8% |
| Cash at bank and in hand54/58 | €113,652 | €130,750 | €87,892 | €112,942 | €30,814 | ▼ 72.7% |
| Deferred charges and accrued income490/1 | - | - | - | €1,333 | €1,335 | ▲ 0.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €187,954 | €221,510 | €168,150 | €209,894 | €259,756 | ▲ 23.8% |
| Equity10/15 | €142,578 | €149,602 | €153,054 | €144,086 | €146,520 | ▲ 1.7% |
| Contributions10/11 | - | €6,200 | €8,060 | €8,060 | €8,060 | = |
| Outside capital11 | - | €6,200 | €8,060 | €8,060 | €8,060 | = |
| Other1109/19 | - | €6,200 | €8,060 | €8,060 | €8,060 | = |
| Reserves13 | €128,160 | €135,184 | €136,776 | €127,808 | €130,242 | ▲ 1.9% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | €133,324 | €136,776 | €127,808 | €130,242 | ▲ 1.9% |
| Profit (loss) carried forward14 | €8,218 | €8,218 | €8,218 | €8,218 | €8,218 | = |
| Amounts payable17/49 | €45,376 | €71,908 | €15,096 | €65,808 | €113,236 | ▲ 72.1% |
| Amounts payable within one year42/48 | €45,376 | €70,659 | €13,714 | €65,808 | €113,236 | ▲ 72.1% |
| Trade debts44 | €274 | - | - | €62,186 | €113,236 | ▲ 82.1% |
| Suppliers440/4 | - | - | - | €62,186 | €113,236 | ▲ 82.1% |
| Taxes, remuneration and social security45 | - | €18,296 | €1,145 | €3,622 | - | - |
| Taxes450/3 | - | €18,296 | €1,145 | €3,622 | - | - |
| Other amounts payable47/48 | - | €52,363 | €12,569 | - | - | - |
| Accrued charges and deferred income492/3 | - | €1,249 | €1,382 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27,835 | €26,461 | €16,072 | €2,900 | €2,434 | ▼ 16.1% |
| + Depreciation and write-downs630 | - | - | €85 | €7,778 | €7,778 | = |
| Operating cash flow (approximation) | €27,835 | €26,461 | €16,157 | €10,678 | €10,212 | ▼ 4.4% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €0 | - |
| Change in cash | - | €17,098 | -€42,858 | €25,050 | -€82,128 | ▼ 428% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €2,434 ▼16.1%
Net result drops to €2,434, the lowest in the series.
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity triplescurrent ratio 10.57
Current ratio from 3.13 to 10.57; short-term debt falls from €70,659 to €13,714.
30-09
Financial
Equity above €150,000Eq €153,054 ▲2.3%
6 profitable years in a row build equity to €153,054.
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €27,835 ▲10.8%
Operating result €39,872, net result €27,835, both a record.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100,000Eq €114,743 ▲28%
3 profitable years in a row build equity to €114,743.
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-09
Financial
Liquidity doublescurrent ratio 6.03
Current ratio from 2.61 to 6.03; short-term debt falls from €38,967 to €17,834.
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Waasmunster · 1 establishment unit since 2012
Ground area
605 m²
Building footprint
115 m²
Volume, LiDAR
558 m³
Parcel 42023A0408/00A002, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DCIG
since 20122.212.241.188
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023A0408/00A002 | Flanders | 605 m² | 1 · 115 m² | 9.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,136 companies in sector 46130 we hold annual accounts for 647. 520 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-06-2012
Fiscal year end30-09
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
68310Real estate agency activities
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846773277
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.