DICALL
ActiveSummary
DICALL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €150k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability66▲+7
Solvency35▲+7
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.0 in 2023; short-term debt: 13.2% and cash: 21% of total assets), but 89.6% 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
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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €150k
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 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
50 d early
2022
12 d early
2021
38 d early
2020
25 d late
2019
32 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€150k▲ 228%
2023 · €46k
2018: €47k
2019: €-207k▼ -542% vs 2018lowest in 7 years
2020: €-191k▲ +7.9% vs 2019
2021: €50k▲ +126% vs 2020
2022: €58k▲ +16.4% vs 2021
2023: €46k▼ -20.8% vs 2022
2024: €150k▲ +228% vs 2023highest in 7 years
2018 → 2024
Total assets
€1.44M▼ 2.3%
2023 · €1.47M
2018: €368klowest in 7 years
2019: €1.57M▲ +325% vs 2018
2020: €1.67M▲ +6.5% vs 2019
2021: €1.71M▲ +2.7% vs 2020highest in 7 years
2022: €1.53M▼ -10.8% vs 2021
2023: €1.47M▼ -3.7% vs 2022
2024: €1.44M▼ -2.3% vs 2023
2018 → 2024
Net result
€24k▲ 121%
2023 · €11k
2018: €-8k
2019: €-254k▼ -3241% vs 2018lowest in 7 years
2020: €16k▲ +106% vs 2019
2021: €240k▲ +1372% vs 2020highest in 7 years
2022: €8k▼ -96.6% vs 2021
2023: €11k▲ +33.7% vs 2022
2024: €24k▲ +121% vs 2023
2018 → 2024
Working capital
€114k
2023 · €-737
2018: €-154k
2019: €-231k▼ -50.4% vs 2018lowest in 7 years
2020: €-7k▲ +96.8% vs 2019
2021: €46k▲ +724% vs 2020
2022: €28k▼ -39.1% vs 2021
2023: €-737▼ -103% vs 2022
2024: €114k▲ +15635% 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€-191k-€50k€58k▲ 16.4%€46k▼ 20.8%€150k▲ 228%
2020: €-191klowest in 5 years
2021: €50k▲ +126% vs 2020
2022: €58k▲ +16.4% vs 2021
2023: €46k▼ -20.8% vs 2022
2024: €150k▲ +228% vs 2023highest in 5 years
Operating result€54k-€274k▲ 409%€34k▼ 87.6%€39k▲ 14.0%€59k▲ 52.9%
2020: €54k
2021: €274k▲ +409% vs 2020highest in 5 years
2022: €34k▼ -87.6% vs 2021lowest in 5 years
2023: €39k▲ +14.0% vs 2022
2024: €59k▲ +52.9% vs 2023
Net result€16k-€240k▲ 1,372%€8k▼ 96.6%€11k▲ 33.7%€24k▲ 121%
2020: €16k
2021: €240k▲ +1372% vs 2020highest in 5 years
2022: €8k▼ -96.6% vs 2021lowest in 5 years
2023: €11k▲ +33.7% vs 2022
2024: €24k▲ +121% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 53% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.44M
Fixed assets
€1.13M ▼ 10.5%
Current assets
€304k ▲ 48.1%
Equity and liabilities €1.44M
Equity
€150k ▲ 228%
Provisions
€26k
Debt
€1.26M ▼ 11.6%
Debt's share of the balance-sheet total falls from 96.9% to 87.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€126k▲
2023 · €118k
Cash flow
€90k▲
2023 · €90k
Current ratio
1.60▲
2023 · 1.00
Debt to equity
8.40▼
2023 · 31.12
ROE
16.0%▼
2023 · 23.8%
ROA
1.7%▲
2023 · 0.7%
Interest coverage
5.43▲
2023 · 4.68
Debt ≤ 1 year
€190k▼
2023 · €206k
Debt > 1 year
€1.05M▼
2023 · €1.18M
Income taxes
€13k▲
2023 · €3k
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 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.47M€1.44M▼
Fixed assets21/28€1.27M€1.13M▼
Tangible fixed assets22/27€1.27M€1.13M▼
Land and buildings22€1.25M€1.09M▼
Plant, machinery and equipment23€18k€39k▲
Current assets29/58€206k€304k▲
Amounts receivable within one year40/41-€945
Other amounts receivable41-€945
Current investments50/53€206k-
Cash at bank and in hand54/58-€301k
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€1.47M€1.44M▼
Equity10/15€46k€150k▲
Contributions10/11€19k€19k=
Reserves13€17k€118k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€4k€82k▲
Distributable reserves133€10k€32k▲
Profit (loss) carried forward14€10k€14k▲
Provisions and deferred taxes16-€26k
Deferred taxes168-€26k
Amounts payable17/49€1.42M€1.26M▼
Amounts payable after more than one year17€1.18M€1.05M▼
Financial debts170/4€1.18M€1.03M▼
Other amounts payable178/9€1k€12k▲
Amounts payable within one year42/48€206k€190k▼
Current portion of amounts payable after more than one year42€140k€127k▼
Trade debts44€37k€50k▲
Suppliers440/4€37k€50k▲
Taxes, remuneration and social security45€6k€13k▲
Taxes450/3€6k€13k▲
Other amounts payable47/48€23k€200▼
Accrued charges and deferred income492/3€40k€24k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€66k▼
Other operating charges640/8€960€1k▲
Non-recurring operating charges66A-€71
Gross operating margin9900€119k€127k▲
Operating profit (loss)9901€39k€59k▲
Financial charges65/66B€25k€23k▼
Recurring financial charges65€25k€23k▼
Profit (loss) for the period before taxes9903€14k€36k▲
Transfer from deferred taxes780-€512
Income taxes67/77€3k€13k▲
Profit (loss) for the period9904€11k€24k▲
Transfer from tax-exempt reserves789-€2k
Profit (loss) for the period to be appropriated9905€11k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€36k▲
Profit (loss) brought forward from the previous period14P€9k€10k▲
Transfer to equity691/2€10k€22k▲
To other reserves6921€10k€22k▲
The notes to these accounts (8 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 | - | €147k | €693 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €95k | €40k | €77k | €79k | €66k | ▼ 16.0% |
| Other operating charges640/8 | - | €868 | €868 | €960 | €1k | ▲ 13.8% |
| Non-recurring operating charges66A | - | - | - | - | €71 | - |
| Gross operating margin9900 | €149k | €315k | €112k | €119k | €127k | ▲ 6.8% |
| Operating profit (loss)9901 | €54k | €274k | €34k | €39k | €59k | ▲ 52.9% |
| Financial charges65/66B | - | €34k | €26k | €25k | €23k | ▼ 8.1% |
| Recurring financial charges65 | €38k | €34k | €26k | €25k | €23k | ▼ 8.1% |
| Profit (loss) for the period before taxes9903 | €16k | €240k | €8k | €14k | €36k | ▲ 166% |
| Transfer from deferred taxes780 | - | - | - | - | €512 | - |
| Income taxes67/77 | - | - | - | €3k | €13k | ▲ 368% |
| Profit (loss) for the period9904 | €16k | €240k | €8k | €11k | €24k | ▲ 121% |
| Transfer from tax-exempt reserves789 | - | - | - | - | €2k | - |
| Profit (loss) for the period to be appropriated9905 | €16k | €240k | €8k | €11k | €26k | ▲ 135% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.67M | €1.71M | €1.53M | €1.47M | €1.44M | ▼ 2.3% |
| Fixed assets21/28 | €1.45M | €1.41M | €1.34M | €1.27M | €1.13M | ▼ 10.5% |
| Tangible fixed assets22/27 | €1.45M | €1.41M | €1.34M | €1.27M | €1.13M | ▼ 10.5% |
| Land and buildings22 | - | €1.36M | €1.30M | €1.25M | €1.09M | ▼ 12.4% |
| Plant, machinery and equipment23 | - | €14k | €20k | €18k | €39k | ▲ 122% |
| Furniture and vehicles24 | - | €30k | €15k | - | - | - |
| Current assets29/58 | €220k | €305k | €187k | €206k | €304k | ▲ 48.1% |
| Amounts receivable within one year40/41 | €547 | - | €867 | - | €945 | - |
| Trade receivables40 | - | - | €71 | - | - | - |
| Other amounts receivable41 | - | - | €796 | - | €945 | - |
| Current investments50/53 | - | - | €186k | €206k | - | - |
| Cash at bank and in hand54/58 | €189k | €305k | - | - | €301k | - |
| Deferred charges and accrued income490/1 | - | - | €84 | - | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.67M | €1.71M | €1.53M | €1.47M | €1.44M | ▼ 2.3% |
| Equity10/15 | €-191k | €50k | €58k | €46k | €150k | ▲ 228% |
| Contributions10/11 | - | €41k | €41k | €19k | €19k | = |
| Reserves13 | €7k | €7k | €7k | €17k | €118k | ▲ 585% |
| Non-distributable reserves130/1 | - | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | - | €3k | €3k | €3k | €3k | = |
| Tax-exempt reserves132 | - | €4k | €4k | €4k | €82k | ▲ 2,092% |
| Distributable reserves133 | - | - | - | €10k | €32k | ▲ 220% |
| Profit (loss) carried forward14 | €-239k | €920 | €9k | €10k | €14k | ▲ 36.1% |
| Provisions and deferred taxes16 | - | - | - | - | €26k | - |
| Deferred taxes168 | - | - | - | - | €26k | - |
| Amounts payable17/49 | €1.86M | €1.66M | €1.47M | €1.42M | €1.26M | ▼ 11.6% |
| Amounts payable after more than one year17 | €1.48M | €1.38M | €1.29M | €1.18M | €1.05M | ▼ 11.2% |
| Financial debts170/4 | - | €1.38M | €1.29M | €1.18M | €1.03M | ▼ 12.2% |
| Other amounts payable178/9 | - | €120 | €1k | €1k | €12k | ▲ 865% |
| Amounts payable within one year42/48 | €227k | €259k | €159k | €206k | €190k | ▼ 8.0% |
| Current portion of amounts payable after more than one year42 | - | €122k | €104k | €140k | €127k | ▼ 9.8% |
| Trade debts44 | €26k | €35k | €55k | €37k | €50k | ▲ 35.3% |
| Suppliers440/4 | - | €35k | €55k | €37k | €50k | ▲ 35.3% |
| Taxes, remuneration and social security45 | - | €3k | €13 | €6k | €13k | ▲ 117% |
| Taxes450/3 | - | €3k | €13 | €6k | €13k | ▲ 117% |
| Other amounts payable47/48 | - | €100k | - | €23k | €200 | ▼ 99.1% |
| Accrued charges and deferred income492/3 | - | €27k | €23k | €40k | €24k | ▼ 39.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €240k | €8k | €11k | €24k | ▲ 121% |
| + Depreciation and write-downs630 | €95k | €40k | €77k | €79k | €66k | ▼ 16.0% |
| Operating cash flow (approximation) | €111k | €281k | €85k | €90k | €90k | ▲ 0.5% |
| Investment in fixed assets (approximation) | - | €0 | €-10k | €-5k | €67k | ▲ 1,578% |
| Change in cash | - | €116k | - | - | - | - |
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
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €150k ▲228%
5 profitable years in a row build equity to €150k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €240k ▲1,372%
Operating result €274k, net result €240k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Weakest financial yearnet €-254k
Net result drops to €-254k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
04-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Nivelles · 1 establishment unit since 1997
Ground area
1.2 ha
Building footprint
4,675 m²
Volume, LiDAR
28,761 m³
Parcel 25099D0025/00R000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Rue du Bosquet 10, 1400 Nivelles
since 19972.084.611.954
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25099D0025/00R000 | Wallonia | 1.2 ha | 1 · 4,675 m² | 7.3 m · 2 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 506 companies in sector 47713 we hold annual accounts for 197. 145 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
Founded15-10-1997
Fiscal year end31-12
Activities, NACEBEL 2025
47713Retail trade
46423Wholesale of clothing, excluding workwear and underwear
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.