DI PALMA
ActiveSummary
DI PALMA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €502k and a net result of €108k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability89▼-9
Solvency99▲+15
Growth85=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.94 against 2.36 in 2023; short-term debt: 22.9% and cash: 35.8% of total assets), and 26.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
73.7%
Return on assets
15.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
12 d late
2022
53 d early
2021
26 d early
2020
16 d late
2019
43 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€555k▲ 35.6%
2018 · €409k
2018: €409k
2019: €555k▲ +35.6% vs 2018
2018 → 2019
EBIT margin
-1.8%▼ 8.8pp
2018 · 7.0%
2018: 7.0%
2019: -1.8%▼ -126% vs 2018
2018 → 2019
Net result
€108k▼ 29.1%
2023 · €153k
2018: €19k
2019: €-13k▼ -168% vs 2018lowest in 7 years
2020: €40k▲ +411% vs 2019
2021: €95k▲ +137% vs 2020
2022: €105k▲ +11.2% vs 2021
2023: €153k▲ +45.2% vs 2022highest in 7 years
2024: €108k▼ -29.1% vs 2023
2018 → 2024
Working capital
€459k▲ 25.4%
2023 · €366k
2018: €97klowest in 7 years
2019: €162k▲ +67.1% vs 2018
2020: €115k▼ -28.7% vs 2019
2021: €204k▲ +76.6% vs 2020
2022: €231k▲ +13.6% vs 2021
2023: €366k▲ +58.2% vs 2022
2024: €459k▲ +25.4% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€138k-€223k▲ 61.1%€260k▲ 16.6%€394k▲ 51.5%€502k▲ 27.5%
2020: €138klowest in 5 years
2021: €223k▲ +61.1% vs 2020
2022: €260k▲ +16.6% vs 2021
2023: €394k▲ +51.5% vs 2022
2024: €502k▲ +27.5% vs 2023highest in 5 years
Operating result€50k-€134k▲ 170%€147k▲ 9.9%€215k▲ 46.1%€151k▼ 29.9%
2020: €50klowest in 5 years
2021: €134k▲ +170% vs 2020
2022: €147k▲ +9.9% vs 2021
2023: €215k▲ +46.1% vs 2022highest in 5 years
2024: €151k▼ -29.9% vs 2023
Net result€40k-€95k▲ 137%€105k▲ 11.2%€153k▲ 45.2%€108k▼ 29.1%
2020: €40klowest in 5 years
2021: €95k▲ +137% vs 2020
2022: €105k▲ +11.2% vs 2021
2023: €153k▲ +45.2% vs 2022highest in 5 years
2024: €108k▼ -29.1% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 30% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €682k
Fixed assets
€67k ▲ 136%
Current assets
€615k ▼ 3.0%
Equity and liabilities €682k
Equity
€502k ▲ 27.5%
Debt
€180k ▼ 33.1%
Debt's share of the balance-sheet total falls from 40.5% to 26.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€158k▼
2023 · €221k
Cash flow
€116k▼
2023 · €158k
Current ratio
3.94▲
2023 · 2.36
Quick ratio
3.85▲
2023 · 2.31
Debt to equity
0.36▼
2023 · 0.68
ROE
21.6%▼
2023 · 38.8%
ROA
15.9%▼
2023 · 23.1%
Interest coverage
28.11▼
2023 · 91.11
Debt ≤ 1 year
€156k▼
2023 · €268k
Debt > 1 year
€23k
Income taxes
€46k▼
2023 · €66k
Staff costs
€184k▲
2023 · €154k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 59 lines
Balance sheet
Code20232024
Assets
Total assets20/58€662k€682k▲
Fixed assets21/28€29k€67k▲
Tangible fixed assets22/27€28k€66k▲
Plant, machinery and equipment23€338€1k▲
Furniture and vehicles24€6k€8k▲
Leasing and similar rights25-€39k
Other tangible fixed assets26€22k€18k▼
Financial fixed assets28€873€873=
Current assets29/58€634k€615k▼
Amounts receivable after more than one year29€200k€200k=
Other amounts receivable291€200k€200k=
Stocks and contracts in progress3€15k€15k▼
Stocks30/36€15k€15k▼
Amounts receivable within one year40/41€79k€49k▼
Trade receivables40€37k€23k▼
Other amounts receivable41€42k€26k▼
Current investments50/53€100k€100k=
Cash at bank and in hand54/58€234k€244k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€662k€682k▲
Equity10/15€394k€502k▲
Contributions10/11€37k€37k=
Reserves13€357k€465k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€353k€461k▲
Amounts payable17/49€268k€180k▼
Amounts payable after more than one year17-€23k
Financial debts170/4-€23k
Amounts payable within one year42/48€268k€156k▼
Current portion of amounts payable after more than one year42€6k€13k▲
Trade debts44€175k€105k▼
Suppliers440/4€175k€105k▼
Advances received on contracts in progress46€594€594=
Taxes, remuneration and social security45€63k€37k▼
Taxes450/3€48k€20k▼
Remuneration and social security454/9€14k€16k▲
Other amounts payable47/48€24k€780▼
Accrued charges and deferred income492/3€377€522▲
Income statement
Code20232024
Non-recurring operating income76A-€15k
Remuneration, social security and pensions62€154k€184k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€576€2k▲
Gross operating margin9900€375k€344k▼
Operating profit (loss)9901€215k€151k▼
Financial income75/76B€6k€9k▲
Recurring financial income75€6k€9k▲
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€219k€154k▼
Income taxes67/77€66k€46k▼
Profit (loss) for the period9904€153k€108k▼
Profit (loss) for the period to be appropriated9905€153k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€153k€108k▼
Transfer from equity791/2€19k-
Transfer to equity691/2€153k€108k▼
To other reserves6921€153k€108k▼
Profit to be distributed694/7€19k-
Return on contributions (dividend)694€19k-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2k | €19k | - | €15k | - |
| Remuneration, social security and pensions62 | - | €142k | €162k | €154k | €184k | ▲ 19.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €6k | €7k | €5k | €7k | ▲ 41.2% |
| Other operating charges640/8 | - | €4k | €6k | €576 | €2k | ▲ 184% |
| Gross operating margin9900 | €191k | €287k | €322k | €375k | €344k | ▼ 8.2% |
| Operating profit (loss)9901 | €50k | €134k | €147k | €215k | €151k | ▼ 29.9% |
| Financial income75/76B | - | €8k | €8k | €6k | €9k | ▲ 37.1% |
| Recurring financial income75 | €9k | €8k | €8k | €6k | €9k | ▲ 37.1% |
| Financial charges65/66B | - | €4k | €3k | €2k | €6k | ▲ 133% |
| Recurring financial charges65 | €4k | €4k | €3k | €2k | €6k | ▲ 133% |
| Profit (loss) for the period before taxes9903 | €54k | €138k | €153k | €219k | €154k | ▼ 29.7% |
| Income taxes67/77 | €14k | €43k | €47k | €66k | €46k | ▼ 30.9% |
| Profit (loss) for the period9904 | €40k | €95k | €105k | €153k | €108k | ▼ 29.1% |
| Transfer from tax-exempt reserves789 | - | - | €28k | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €40k | €95k | €133k | €153k | €108k | ▼ 29.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €337k | €375k | €585k | €662k | €682k | ▲ 2.9% |
| Fixed assets21/28 | €23k | €20k | €29k | €29k | €67k | ▲ 136% |
| Tangible fixed assets22/27 | €22k | €19k | €28k | €28k | €66k | ▲ 140% |
| Plant, machinery and equipment23 | - | - | €610 | €338 | €1k | ▲ 213% |
| Furniture and vehicles24 | - | €9k | €2k | €6k | €8k | ▲ 44.8% |
| Leasing and similar rights25 | - | - | - | - | €39k | - |
| Other tangible fixed assets26 | - | €9k | €26k | €22k | €18k | ▼ 18.3% |
| Financial fixed assets28 | €873 | €873 | €873 | €873 | €873 | = |
| Current assets29/58 | €314k | €356k | €556k | €634k | €615k | ▼ 3.0% |
| Amounts receivable after more than one year29 | - | €204k | €181k | €200k | €200k | = |
| Other amounts receivable291 | - | €204k | €181k | €200k | €200k | = |
| Stocks and contracts in progress3 | €6k | €22k | €94k | €15k | €15k | ▼ 1.1% |
| Stocks30/36 | - | €22k | €94k | €15k | €15k | ▼ 1.1% |
| Amounts receivable within one year40/41 | €87k | €36k | €95k | €79k | €49k | ▼ 37.0% |
| Trade receivables40 | - | €8k | €20k | €37k | €23k | ▼ 37.1% |
| Other amounts receivable41 | - | €28k | €74k | €42k | €26k | ▼ 37.0% |
| Current investments50/53 | - | - | - | €100k | €100k | = |
| Cash at bank and in hand54/58 | €20k | €85k | €178k | €234k | €244k | ▲ 4.6% |
| Deferred charges and accrued income490/1 | - | €8k | €8k | €7k | €6k | ▼ 10.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €337k | €375k | €585k | €662k | €682k | ▲ 2.9% |
| Equity10/15 | €138k | €223k | €260k | €394k | €502k | ▲ 27.5% |
| Contributions10/11 | - | €37k | €37k | €37k | €37k | = |
| Reserves13 | €107k | €186k | €223k | €357k | €465k | ▲ 30.4% |
| Non-distributable reserves130/1 | - | €4k | €4k | €4k | €4k | = |
| Reserves not available under the articles1311 | - | €4k | €4k | €4k | €4k | = |
| Tax-exempt reserves132 | - | €28k | - | - | - | - |
| Distributable reserves133 | - | €155k | €219k | €353k | €461k | ▲ 30.7% |
| Profit (loss) carried forward14 | €-19k | - | - | - | - | - |
| Amounts payable17/49 | €199k | €152k | €325k | €268k | €180k | ▼ 33.1% |
| Amounts payable after more than one year17 | - | - | - | - | €23k | - |
| Financial debts170/4 | - | - | - | - | €23k | - |
| Amounts payable within one year42/48 | €199k | €152k | €325k | €268k | €156k | ▼ 41.9% |
| Current portion of amounts payable after more than one year42 | - | €19k | €6k | €6k | €13k | ▲ 98.1% |
| Trade debts44 | €98k | €85k | €192k | €175k | €105k | ▼ 39.9% |
| Suppliers440/4 | - | €85k | €192k | €175k | €105k | ▼ 39.9% |
| Advances received on contracts in progress46 | - | €594 | €594 | €594 | €594 | = |
| Taxes, remuneration and social security45 | - | €32k | €57k | €63k | €37k | ▼ 41.3% |
| Taxes450/3 | - | €18k | €42k | €48k | €20k | ▼ 57.8% |
| Remuneration and social security454/9 | - | €14k | €15k | €14k | €16k | ▲ 15.2% |
| Other amounts payable47/48 | - | €16k | €68k | €24k | €780 | ▼ 96.7% |
| Accrued charges and deferred income492/3 | - | - | - | €377 | €522 | ▲ 38.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40k | €95k | €105k | €153k | €108k | ▼ 29.1% |
| + Depreciation and write-downs630 | €4k | €6k | €7k | €5k | €7k | ▲ 41.2% |
| Operating cash flow (approximation) | €44k | €101k | €112k | €158k | €116k | ▼ 26.8% |
| Investment in fixed assets (approximation) | - | €-2k | €-16k | €-5k | €-46k | ▼ 830% |
| Change in cash | - | €65k | €92k | €56k | €11k | ▼ 80.7% |
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
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €502k ▲27.5%
5 profitable years in a row build equity to €502k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Highest result since 2018net €153k ▲45.2%
Operating result €215k, net result €153k, both a record.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €223k ▲61.1%
2 profitable years in a row build equity to €223k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Walcourt · 1 establishment unit since 2001
Ground area
2,014 m²
Building footprint
193 m²
Volume, LiDAR
711 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Goutteaux 124, 6032 Charleroi
since 20012.098.136.724
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93030A0028/00Y028 | Wallonia | 1,635 m² | 1 · 108 m² | - |
| 52352B0401/00S004 | Wallonia | 379 m² | 1 · 86 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
2 categoriesDI PALMA SRL27704
Legal Entity Identifier
2549001XM8H2N2U2KX68
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Of 22,815 companies in sector 43211 we hold annual accounts for 10,325. 6,478 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
Founded06-04-2001
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
Scores and ratios are computed by Checked and are not a credit decision.