DIBA
ActiveSummary
DIBA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €9k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+71
Solvency57▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.34 in 2024; short-term debt: 57.2% and cash: 5.8% of total assets), and 68.3% 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 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 2025Solvency, return and age of the figures
Solvency
31.7%
Return on assets
1.9%
Age of the figures
9 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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
9 d early
2023
33 d early
2022
98 d late
2021
92 d late
2020
139 d late
2019
11 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Financials · fiscal year 2025, micro schema
Equity
€148k▲ 6.5%
2024 · €139k
Total assets
€467k▲ 16.5%
2024 · €401k
Net result
€9k
2024 · €-64k
Working capital
€31k▼ 50.0%
2024 · €61k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€17k▼ 2.6%€34k▲ 97.4%€40k▲ 19.5%€-61k€14k
Net result€13k▲ 15.3%€26k▲ 103%€27k▲ 5.8%€-64k€9k
Equity€150k▲ 6.6%€175k▲ 17.1%€202k▲ 15.4%€139k▼ 31.4%€148k▲ 6.5%
Total assets€310k▲ 26.2%€270k▼ 12.8%€283k▲ 4.5%€401k▲ 41.8%€467k▲ 16.5%
Debt€160k▲ 52.4%€95k▼ 40.7%€80k▼ 15.6%€262k▲ 226%€319k▲ 21.8%
Working capital€179k▲ 12.1%€156k▼ 12.8%€185k▲ 18.5%€61k▼ 66.8%€31k▼ 50.0%
Staff (FTE)3.23▼ 6.3%3=3=
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 €61k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €467k
Fixed assets
€169k ▲ 8.1%
Current assets
€298k ▲ 21.9%
Equity and liabilities €467k
Equity
€148k ▲ 6.5%
Debt
€319k ▲ 21.8%
Debt's share of the balance-sheet total rises from 65.3% to 68.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63k▲
2024 · €-34k
Cash flow
€58k▲
2024 · €-37k
Current ratio
1.11▼
2024 · 1.34
Quick ratio
0.45▼
2024 · 0.54
Debt to equity
2.16▲
2024 · 1.89
ROE
6.1%▲
2024 · -45.8%
ROA
1.9%▲
2024 · -15.9%
Interest coverage
13.92▲
2024 · -12.88
Debt ≤ 1 year
€267k▲
2024 · €183k
Debt > 1 year
€52k▼
2024 · €79k
Income taxes
€1k▼
2024 · €1k
Staff costs
€154k▲
2024 · €141k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €82k | €87k | €101k | €141k | €154k | ▲ 8.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €3k | €8k | €26k | €49k | ▲ 85.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €35k | - | - | - | €-35k | - |
| Other operating charges640/8 | €983 | €874 | €1k | €17k | €7k | ▼ 60.1% |
| Gross operating margin9900 | €142k | €125k | €151k | €124k | €188k | ▲ 52.1% |
| Operating profit (loss)9901 | €17k | €34k | €40k | €-61k | €14k | ▲ 123% |
| Financial income75/76B | €1k | €2k | €2k | €1k | €564 | ▼ 51.0% |
| Recurring financial income75 | €1k | €2k | €2k | €1k | €564 | ▼ 51.0% |
| Financial charges65/66B | €1k | €272 | €79 | €3k | €5k | ▲ 69.1% |
| Recurring financial charges65 | €1k | €272 | €79 | €3k | €5k | ▲ 69.1% |
| Profit (loss) for the period before taxes9903 | €17k | €36k | €42k | €-62k | €10k | ▲ 116% |
| Income taxes67/77 | €5k | €10k | €15k | €1k | €1k | ▼ 25.3% |
| Profit (loss) for the period9904 | €13k | €26k | €27k | €-64k | €9k | ▲ 114% |
| Profit (loss) for the period to be appropriated9905 | €13k | €26k | €27k | €-64k | €9k | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €310k | €270k | €283k | €401k | €467k | ▲ 16.5% |
| Fixed assets21/28 | €7k | €19k | €17k | €156k | €169k | ▲ 8.1% |
| Tangible fixed assets22/27 | €7k | €19k | €17k | €156k | €169k | ▲ 8.1% |
| Land and buildings22 | - | - | - | €142k | €158k | ▲ 11.3% |
| Plant, machinery and equipment23 | €4k | €3k | €2k | €3k | €6k | ▲ 126% |
| Furniture and vehicles24 | €4k | €17k | €16k | €12k | €5k | ▼ 57.5% |
| Current assets29/58 | €303k | €251k | €265k | €244k | €298k | ▲ 21.9% |
| Stocks and contracts in progress3 | €151k | €190k | €189k | €146k | €177k | ▲ 21.0% |
| Stocks30/36 | €151k | €190k | €189k | €122k | €152k | ▲ 25.3% |
| Contracts in progress37 | - | - | - | €25k | €25k | = |
| Amounts receivable within one year40/41 | €93k | €18k | €24k | €82k | €93k | ▲ 13.1% |
| Trade receivables40 | €44k | €18k | €24k | €72k | €89k | ▲ 23.3% |
| Other amounts receivable41 | €49k | - | - | €10k | €4k | ▼ 62.9% |
| Current investments50/53 | - | - | €597 | €597 | €597 | = |
| Cash at bank and in hand54/58 | €52k | €39k | €46k | €15k | €27k | ▲ 77.8% |
| Deferred charges and accrued income490/1 | €6k | €4k | €5k | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €310k | €270k | €283k | €401k | €467k | ▲ 16.5% |
| Equity10/15 | €150k | €175k | €202k | €139k | €148k | ▲ 6.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €184k | €120k | €129k | ▲ 7.5% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | - | €182k | €118k | €127k | ▲ 7.6% |
| Profit (loss) carried forward14 | €129k | €155k | €0 | - | - | - |
| Amounts payable17/49 | €160k | €95k | €80k | €262k | €319k | ▲ 21.8% |
| Amounts payable after more than one year17 | €29k | - | - | €79k | €52k | ▼ 34.2% |
| Financial debts170/4 | €29k | - | - | €79k | €52k | ▼ 34.2% |
| Amounts payable within one year42/48 | €124k | €95k | €80k | €183k | €267k | ▲ 46.0% |
| Current portion of amounts payable after more than one year42 | €16k | €30k | €30k | €41k | €49k | ▲ 20.2% |
| Trade debts44 | €32k | €7k | €7k | €56k | €42k | ▼ 24.8% |
| Suppliers440/4 | €32k | €7k | €7k | €56k | €42k | ▼ 24.8% |
| Taxes, remuneration and social security45 | €31k | €20k | €42k | €30k | €13k | ▼ 56.2% |
| Taxes450/3 | €27k | €18k | €37k | €19k | €507 | ▼ 97.4% |
| Remuneration and social security454/9 | €4k | €2k | €5k | €10k | €12k | ▲ 22.2% |
| Other amounts payable47/48 | €45k | €38k | €751 | €57k | €163k | ▲ 186% |
| Accrued charges and deferred income492/3 | €8k | €83 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13k | €26k | €27k | €-64k | €9k | ▲ 114% |
| + Depreciation and write-downs630 | €7k | €3k | €8k | €26k | €49k | ▲ 85.8% |
| Operating cash flow (approximation) | €20k | €29k | €35k | €-37k | €58k | ▲ 254% |
| Investment in fixed assets (approximation) | - | €-15k | €-6k | €-165k | €-61k | ▲ 62.9% |
| Change in cash | - | €-12k | €7k | €-31k | €12k | ▲ 139% |
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-64k
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €202k ▲15.4%
6 profitable years in a row build equity to €202k.
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 98 days late
2022
31-12
Financial
Equity above €150kEq €175k ▲17.1%
5 profitable years in a row build equity to €175k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 139 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Mol · 1 establishment unit since 2005
Ground area
1,135 m²
Parcel 13434F0264/00N000, Flanders. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
DIBA
since 20052.150.051.718
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F0264/00N000 | Flanders | 1,135 m² | - | - |
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 20,028 companies in sector 43320 we hold annual accounts for 9,135. 7,632 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
Founded02-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
31009Manufacture of furniture
Scores and ratios are computed by Checked and are not a credit decision.