DICA
ActiveSummary
DICA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €47,510 and a net result of -€1,922. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 36386 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability65▼-18
Solvency92▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 2.56 against 2.85 in 2023; short-term debt: 28.9% and cash: 60.6% of total assets), and 33.4% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
66.6%
Return on assets
-2.7%
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 01-07-2025, 30 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
28 d early
2022
8 d late
2021
9 d early
2020
17 d late
2019
12 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€47,510▼ 3.9%
2023 · €49,433
Total assets
€71,334▼ 8.8%
2023 · €78,258
Net result
-€1,922
2023 · €8,740
Working capital
€32,136▲ 1.4%
2023 · €31,703
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line20202021202220232024
Operating result€10,499▲ 111%€2,789▼ 73.4%€4,749▲ 70.3%€11,755▲ 148%-€1,400
Net result€14,143within the sector's middle half▲ 266%€3,017within the sector's middle half▼ 78.7%€5,249within the sector's middle half▲ 74.0%€8,740within the sector's middle half▲ 66.5%-€1,922below the sector's middle half
Equity€34,859within the sector's middle half▲ 68.3%€37,076within the sector's middle half▲ 6.4%€41,525within the sector's middle half▲ 12.0%€49,433within the sector's middle half▲ 19.0%€47,510within the sector's middle half▼ 3.9%
Total assets€50,576below the sector's middle half▲ 62.7%€71,787within the sector's middle half▲ 41.9%€75,808within the sector's middle half▲ 5.6%€78,258within the sector's middle half▲ 3.2%€71,334within the sector's middle half▼ 8.8%
Debt€15,717▲ 51.5%€34,711▲ 121%€34,283▼ 1.2%€28,825▼ 15.9%€23,823▼ 17.4%
Working capital€31,445within the sector's middle half▲ 164%€17,878within the sector's middle half▼ 43.1%€23,419within the sector's middle half▲ 31.0%€31,703within the sector's middle half▲ 35.4%€32,136within the sector's middle half▲ 1.4%
Solvency68.9%above the sector's middle half▲ 2.3pp51.6%within the sector's middle half▼ 17.3pp54.8%within the sector's middle half▲ 3.1pp63.2%within the sector's middle half▲ 8.4pp66.6%within the sector's middle half▲ 3.4pp
Current ratio3.00within the sector's middle half▲ 0.832.23within the sector's middle half▼ 0.772.15within the sector's middle half▼ 0.082.85within the sector's middle half▲ 0.702.56within the sector's middle half▼ 0.29
Return on assets (ROA)28.0%above the sector's middle half▲ 15.5pp4.2%within the sector's middle half▼ 23.8pp6.9%within the sector's middle half▲ 2.7pp11.2%within the sector's middle half▲ 4.2pp-2.7%below the sector's middle half▼ 13.9pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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 turns negative in 2024: a loss of €1,400 after €11,755 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71,334
Fixed assets
€18,564 ▼ 36.9%
Current assets
€52,770 ▲ 8.0%
Equity and liabilities €71,334
Equity
€47,510 ▼ 3.9%
Debt
€23,823 ▼ 17.4%
Debt's share of the balance-sheet total falls from 36.8% to 33.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9,985▼
2023 · €22,237
Cash flow
€9,463▼
2023 · €19,223
Quick ratio
2.44▼
2023 · 2.85
Debt to equity
0.50▼
2023 · 0.58
ROE
-4.0%▼
2023 · 17.7%
Interest coverage
17.57▼
2023 · 35.88
Debt ≤ 1 year
€20,634▲
2023 · €17,137
Debt > 1 year
€3,189▼
2023 · €11,688
Income taxes
€135▼
2023 · €2,470
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,915 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 6,915 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,637 | €7,814 | €9,455 | €10,482 | €11,385 | ▲ 8.6% |
| Other operating charges640/8 | - | €1,365 | €879 | €872 | €774 | ▼ 11.3% |
| Gross operating margin9900 | €16,361 | €11,968 | €15,082 | €23,109 | €10,759 | ▼ 53.4% |
| Operating profit (loss)9901 | €10,499 | €2,789 | €4,749 | €11,755 | -€1,400 | ▼ 112% |
| Financial income75/76B | - | €885 | €1,269 | €75 | €331 | ▲ 341% |
| Recurring financial income75 | €292 | €885 | €1,269 | €75 | €331 | ▲ 341% |
| Financial charges65/66B | - | €656 | €769 | €620 | €719 | ▲ 16.0% |
| Recurring financial charges65 | €76 | €656 | €769 | €620 | €568 | ▼ 8.3% |
| Non-recurring financial charges66B | - | - | - | - | €150 | - |
| Profit (loss) for the period before taxes9903 | €17,037 | €3,017 | €5,249 | €11,210 | -€1,787 | ▼ 116% |
| Income taxes67/77 | €2,894 | - | -€0 | €2,470 | €135 | ▼ 94.5% |
| Profit (loss) for the period9904 | €14,143 | €3,017 | €5,249 | €8,740 | -€1,922 | ▼ 122% |
| Profit (loss) for the period to be appropriated9905 | €14,143 | €3,017 | €5,249 | €8,740 | -€1,922 | ▼ 122% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €50,576 | €71,787 | €75,808 | €78,258 | €71,334 | ▼ 8.8% |
| Fixed assets21/28 | €3,414 | €39,383 | €32,067 | €29,417 | €18,564 | ▼ 36.9% |
| Tangible fixed assets22/27 | €3,414 | €39,383 | €32,067 | €29,417 | €18,564 | ▼ 36.9% |
| Land and buildings22 | - | €1,180 | €1,039 | €898 | €757 | ▼ 15.7% |
| Plant, machinery and equipment23 | - | €1,077 | €1,258 | €860 | €895 | ▲ 4.0% |
| Furniture and vehicles24 | - | €2,588 | €3,371 | €9,398 | €6,790 | ▼ 27.8% |
| Leasing and similar rights25 | - | €34,538 | €26,399 | €18,261 | €10,123 | ▼ 44.6% |
| Current assets29/58 | €47,162 | €32,405 | €43,741 | €48,840 | €52,770 | ▲ 8.0% |
| Stocks and contracts in progress3 | €12,909 | €4,551 | €7,271 | - | €2,425 | - |
| Contracts in progress37 | - | €4,551 | €7,271 | - | €2,425 | - |
| Amounts receivable within one year40/41 | €1,366 | €3,305 | €3,689 | €11,307 | €7,066 | ▼ 37.5% |
| Trade receivables40 | - | €2,643 | €1,232 | €10,776 | €3,086 | ▼ 71.4% |
| Other amounts receivable41 | - | €662 | €2,458 | €530 | €3,981 | ▲ 651% |
| Cash at bank and in hand54/58 | €32,632 | €24,094 | €32,720 | €37,467 | €43,209 | ▲ 15.3% |
| Deferred charges and accrued income490/1 | - | €454 | €61 | €66 | €70 | ▲ 5.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €50,576 | €71,787 | €75,808 | €78,258 | €71,334 | ▼ 8.8% |
| Equity10/15 | €34,859 | €37,076 | €41,525 | €49,433 | €47,510 | ▼ 3.9% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €22,459 | €24,676 | €29,125 | €37,033 | €37,033 | = |
| Non-distributable reserves130/1 | - | €538 | €538 | - | - | - |
| Reserves not available under the articles1311 | - | €538 | €538 | - | - | - |
| Distributable reserves133 | - | €24,138 | €28,587 | €37,033 | €37,033 | = |
| Profit (loss) carried forward14 | -€5,660 | - | - | - | -€1,922 | - |
| Amounts payable17/49 | €15,717 | €34,711 | €34,283 | €28,825 | €23,823 | ▼ 17.4% |
| Amounts payable after more than one year17 | - | €20,184 | €13,961 | €11,688 | €3,189 | ▼ 72.7% |
| Financial debts170/4 | - | €20,184 | €13,961 | €11,688 | €3,189 | ▼ 72.7% |
| Amounts payable within one year42/48 | €15,717 | €14,527 | €20,322 | €17,137 | €20,634 | ▲ 20.4% |
| Current portion of amounts payable after more than one year42 | - | €6,087 | €6,223 | €7,742 | €8,499 | ▲ 9.8% |
| Trade debts44 | €10,815 | €3,400 | €9,648 | €4,834 | €6,929 | ▲ 43.3% |
| Suppliers440/4 | - | €3,400 | €9,648 | €4,834 | €6,929 | ▲ 43.3% |
| Taxes, remuneration and social security45 | - | €2,637 | €2,637 | €2,652 | €3,123 | ▲ 17.8% |
| Taxes450/3 | - | €1,137 | €1,137 | €1,152 | €1,623 | ▲ 40.9% |
| Remuneration and social security454/9 | - | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Other amounts payable47/48 | - | €2,403 | €1,814 | €1,908 | €2,083 | ▲ 9.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,143 | €3,017 | €5,249 | €8,740 | -€1,922 | ▼ 122% |
| + Depreciation and write-downs630 | €4,637 | €7,814 | €9,455 | €10,482 | €11,385 | ▲ 8.6% |
| Operating cash flow (approximation) | €18,780 | €10,831 | €14,703 | €19,223 | €9,463 | ▼ 50.8% |
| Investment in fixed assets (approximation) | - | -€43,782 | -€2,139 | -€7,833 | -€532 | ▲ 93.2% |
| Change in cash | - | -€8,538 | €8,626 | €4,747 | €5,741 | ▲ 20.9% |
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
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €14,143 ▲266%
Net result €14,143, the highest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Back to profitnet €3,868
Net result €3,868 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Oudsbergen · 1 establishment unit since 2016
Ground area
1,380 m²
Building footprint
129 m²
Parcel 71562B0227/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
DICA
since 20162.249.505.818
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71562B0227/00P000 | Flanders | 1,380 m² | 1 · 129 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 3,960 companies in sector 43331 we hold annual accounts for 1,788. 1,539 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
Founded14-01-2016
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
43350Other building finishing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0646707809
Also
9925:BE0646707809
Registered
17-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.