DIBA Retail
ActiveThe computed 12-month bankruptcy probability of DIBA Retail is 1.7% (moderate). The 2025 annual accounts show equity of €296k and a net result of €123k. Equity is growing by ~57.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 10242 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+48
Solvency39▲+19
Growth78=
Stability94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.01 in 2024), and 77.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
22.5%
Return on assets
9.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-03-2026, 41 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 · 3 filingsDeviation from the deadline
2025
41 d late
2024
7 d late
2023
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€4.78M
EBIT margin
2.3%
Net result
€123k▲ 58.6%
2024 · €77k
2023: €-4k
2024: €77k
2023 → 2025
Working capital
€210k▲ 2,204%
2024 · €9k
2023: €-84k
2024: €9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€4.78M
Equity€96k-€173k▲ 81.0%€296k▲ 71.0%
Operating result€14k-€108k▲ 673%€164k▲ 52.3%
Net result€-4k-€77k€123k▲ 58.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 52% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€475k▼ 25.5%
Current assets
€842k▲ 22.0%
Equity and liabilities €1.32M
Equity
€296k▲ 71.0%
Debt
€1.02M▼ 11.6%
The debt ratio falls from 87.0% to 77.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€257k▲
2024 · €229k
Cash flow
€216k▲
2024 · €199k
Solvency
22.5%▲
2024 · 13.0%
Current ratio
1.33▲
2024 · 1.01
Quick ratio
0.78▲
2024 · 0.49
Debt / equity
3.45▼
2024 · 6.68
ROE
41.5%▼
2024 · 44.7%
ROA
9.3%▲
2024 · 5.8%
Interest coverage
17.53▲
2024 · 8.82
Debt
€1.02M▼
2024 · €1.16M
Debt ≤ 1 year
€632k▼
2024 · €681k
Debt > 1 year
€390k▼
2024 · €474k
Income taxes
€34k▲
2024 · €11k
Staff costs
€303k▲
2024 · €259k
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€1.33M€1.32M▼
Fixed assets21/28€638k€475k▼
Tangible fixed assets22/27€637k€474k▼
Plant, machinery and equipment23€76k€71k▼
Furniture and vehicles24€3k€4k▲
Other tangible fixed assets26€558k€400k▼
Financial fixed assets28€2k€2k=
Current assets29/58€691k€842k▲
Stocks and contracts in progress3€355k€351k▼
Stocks30/36€355k€351k▼
Amounts receivable within one year40/41€182k€191k▲
Trade receivables40€5k€7k▲
Other amounts receivable41€177k€185k▲
Cash at bank and in hand54/58€151k€276k▲
Deferred charges and accrued income490/1€3k€23k▲
Equity and liabilities
Total equity and liabilities10/49€1.33M€1.32M▼
Equity10/15€173k€296k▲
Contributions10/11€100k€100k=
Profit (loss) carried forward14€73k€196k▲
Amounts payable17/49€1.16M€1.02M▼
Amounts payable after more than one year17€474k€390k▼
Financial debts170/4€474k€390k▼
Amounts payable within one year42/48€681k€632k▼
Current portion of amounts payable after more than one year42€82k€84k▲
Trade debts44€490k€437k▼
Suppliers440/4€490k€437k▼
Taxes, remuneration and social security45€109k€110k▲
Taxes450/3€19k€34k▲
Remuneration and social security454/9€90k€76k▼
Income statement
Code20242025
Turnover70€4.78M-
Goods, raw materials, services and sundry goods60/61€4.31M-
Remuneration, social security and pensions62€259k€303k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€121k€93k▼
Other operating charges640/8€2k€25k▲
Gross operating margin9900€490k€585k▲
Operating profit (loss)9901€108k€164k▲
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€26k€15k▼
Recurring financial charges65€26k€15k▼
Profit (loss) for the period before taxes9903€88k€157k▲
Income taxes67/77€11k€34k▲
Profit (loss) for the period9904€77k€123k▲
Profit (loss) for the period to be appropriated9905€77k€123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€196k▲
Profit (loss) brought forward from the previous period14P€-4k€73k▲
Social balance
Average headcount (FTE)90878.18.6▲
The notes to these accounts (14 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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 41 days late
2025
30-06
Financial
Highest result since 2023net €123k ▲58.6%
Operating result €164k, net result €123k, both a record.
30-06
Financial
Equity above €200kEq €296k ▲71%
2 profitable years in a row build equity to €296k.
07-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
30-06
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
30-06
Financial
Equity above €150kEq €173k ▲81%
Equity rises from €96k to €173k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-08-2025
Dimitri Pikaerts: Resigned as Director
31-12-2022
Barthélémy Ceustens: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2022
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.
Van den Hautelei 1652100 AntwerpenGround area
2,975 m²
Building footprint
1,737 m²
Volume, LiDAR
17,133 m³
Parcel 11345B0435/00H000, Flanders · tallest building 31.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIBA Retail
since 20222.331.918.503
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11345B0435/00H000 | Flanders | 2,975 m² | 1 · 1,737 m² | 31.3 m · 2 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 siteAntwerpen2.331.918.503
Similar companies · same sector, comparable size
AS & CO BUSINESS
BE 0712.508.748
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EMPALU
BE 0723.792.224
Lievegem · Eq €296k
EnjoyRself
BE 0865.450.232
Brussel · Eq €296k
DE WALLYS
BE 0438.436.931
Beveren-Kruibeke-Zwijndrecht · Eq €296k
FRAICHEUR
BE 0427.927.475
Izegem · Eq €295k
Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 3,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2022
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.