DIGNEF J & P
ActiveDIGNEF J & P has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €188k and a net result of €-37k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency80▼-8
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 2.3 in 2024), but 57.1% 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
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€37k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
60 d late
2023
61 d late
2022
88 d late
2021
120 d late
2020
72 d late
2019
122 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€188k▼ 16.5%
2024 · €226k
2018: €19k
2019: €48k
2020: €53k
2021: €268k
2022: €271k
2023: €242k
2024: €226k
2018 → 2025
Total assets
€439k▼ 18.3%
2024 · €537k
2018: €531k
2019: €503k
2020: €503k
2021: €488k
2022: €445k
2023: €619k
2024: €537k
2018 → 2025
Net result
€-37k▼ 126%
2024 · €-16k
2018: €10k
2019: €29k
2020: €5k
2021: €231k
2022: €2k
2023: €-29k
2024: €-16k
2018 → 2025
Working capital
€109k▼ 43.5%
2024 · €193k
2018: €26k
2019: €46k
2020: €40k
2021: €277k
2022: €296k
2023: €218k
2024: €193k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€271k▲ 0.9%€242k▼ 10.6%€226k▼ 6.8%€188k▼ 16.5%
Operating result€63k-€29k▼ 53.3%€-35k€-16k▲ 55.3%€-24k▼ 50.7%
Net result€231k-€2k▼ 98.9%€-29k€-16k▲ 42.8%€-37k▼ 126%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €16k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €439k
Fixed assets
€168k▼ 14.0%
Current assets
€271k▼ 20.7%
Equity and liabilities €439k
Equity
€188k▼ 16.5%
Provisions
€0▼ 100%
Debt
€251k▼ 7.7%
The debt ratio rises from 50.5% to 57.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€4k▼
2024 · €12k
Cash flow
€-10k▼
2024 · €11k
Solvency
42.9%▲
2024 · 42.0%
Current ratio
1.67▼
2024 · 2.30
Quick ratio
1.67▼
2024 · 2.30
Debt / equity
1.33▲
2024 · 1.20
ROE
-19.8%▼
2024 · -7.3%
ROA
-8.5%▼
2024 · -3.1%
Interest coverage
0.22▼
2024 · 1.45
Debt
€251k▼
2024 · €271k
Debt ≤ 1 year
€162k▲
2024 · €148k
Debt > 1 year
€89k▼
2024 · €123k
Income taxes
€49k▲
2024 · €257
Staff costs
€91k▲
2024 · €89k
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€537k€439k▼
Fixed assets21/28€196k€168k▼
Tangible fixed assets22/27€196k€168k▼
Plant, machinery and equipment23€17k€12k▼
Furniture and vehicles24€102k€88k▼
Leasing and similar rights25€77k€68k▼
Current assets29/58€341k€271k▼
Amounts receivable after more than one year29€196k€200k▲
Other amounts receivable291€196k€200k▲
Amounts receivable within one year40/41€90k€38k▼
Trade receivables40€73k€13k▼
Other amounts receivable41€17k€26k▲
Cash at bank and in hand54/58€50k€16k▼
Deferred charges and accrued income490/1€6k€16k▲
Equity and liabilities
Total equity and liabilities10/49€537k€439k▼
Equity10/15€226k€188k▼
Contributions10/11€20k€20k=
Reserves13€230k€168k▼
Tax-exempt reserves132€160k€0▼
Distributable reserves133€70k€168k▲
Profit (loss) carried forward14€-25k€0▲
Provisions and deferred taxes16€40k€0▼
Deferred taxes168€40k€0▼
Amounts payable17/49€271k€251k▼
Amounts payable after more than one year17€123k€89k▼
Financial debts170/4€123k€89k▼
Amounts payable within one year42/48€148k€162k▲
Current portion of amounts payable after more than one year42€34k€34k▼
Trade debts44€99k€71k▼
Suppliers440/4€99k€71k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€15k€57k▲
Taxes450/3€11k€51k▲
Remuneration and social security454/9€4k€6k▲
Accrued charges and deferred income492/3€127€0▼
Income statement
Code20242025
Non-recurring operating income76A€6k€0▼
Remuneration, social security and pensions62€89k€91k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€27k=
Provisions for liabilities and charges: additions (uses and reversals)635/8-€29
Other operating charges640/8€3k€67k▲
Gross operating margin9900€103k€161k▲
Operating profit (loss)9901€-16k€-24k▼
Financial income75/76B€4k€12k▲
Recurring financial income75€4k€12k▲
Non-recurring financial income76B€0-
Financial charges65/66B€8k€17k▲
Recurring financial charges65€8k€17k▲
Profit (loss) for the period before taxes9903€-19k€-29k▼
Transfer from deferred taxes780€3k€40k▲
Income taxes67/77€257€49k▲
Profit (loss) for the period9904€-16k€-37k▼
Transfer from tax-exempt reserves789€13k€160k▲
Profit (loss) for the period to be appropriated9905€-4k€123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€98k▲
Profit (loss) brought forward from the previous period14P€-21k€-25k▼
Transfer to equity691/2-€98k
To other reserves6921-€98k
Social balance
Average headcount (FTE)90873.94.0▲
The notes to these accounts (11 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 88 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 120 days late
2021
31-12
Financial
Highest result since 2018net €231k ▲4986%
Operating result €63k, net result €231k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.62
Current ratio from 1.13 to 2.62; short-term debt falls from €312k to €171k.
31-12
Financial
Equity above €200kEq €268k ▲409%
4 profitable years in a row build equity to €268k.
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 72 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
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 2014
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.
30-06-2014
Resigned as Manager
Location & real-estate footprint
Registered office, Landen · 1 establishment unit since 2004
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.
Walhostraat 873401 LandenGround area
1,011 m²
Building footprint
121 m²
Volume, LiDAR
744 m³
Parcel 24118B0395/00N000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIGNEF J & P
since 20042.137.503.381
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24118B0395/00N000 | Flanders | 1,011 m² | 1 · 121 m² | 9.4 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 siteLanden2.137.503.381
Similar companies · same sector, comparable size
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VANHOUTTE FRANCIS
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DE KOLIS
BE 0825.096.054
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SAPILUC
BE 0443.231.503
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SAINT GUIDON
BE 0454.882.686
Erquelinnes · Eq €193k
Of 949 companies in sector 46319 we hold annual accounts for 603. 416 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2004
Fiscal year end31-12
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
51310
47810Retail trade
52621
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.