Active BE 0561.780.349Private limited company

Dillo

Meerdorp 7 ·2321 Hoogstraten, Belgium· 12 yrs active

Sector: Other retail sale of food (47279)

Conclusion Checked

Dillo has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €477k and a net result of €29k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 6725 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Based on the State Gazette, CBE and 8 annual accounts.

Key figures

Equity	€477k
Net result	€29k
Better than sector	85%
Active	12 yrs

Financial profile 5 of 5 axes measured · computed by Checked

73 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 30

Solvency 98

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.9% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2014, 12 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview11 NBB filings

Annual accounts filed on 24-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Gross margin: declining trend of ~5.1%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	64.3%	20.4%	better than 85% of 6725 sector peers
Net result	€44k	€4k	better than 87% of 6706 sector peers
Equity	€448k	€16k	better than 95% of 6740 sector peers
Gross operating margin	€133k	€24k	better than 87% of 6684 sector peers
Total assets	€696k	€94k	better than 95% of 6729 sector peers

EBITDA

€69k

-28.5% 18-25

Net profit

€29k

-34.3% 18-25

Cash flow

€44k

-26.5% 18-25

Total assets

€834k

+19.7% 18-25

Equity

€477k

+6.4% 18-25

Working capital

€445k

+22.2% 18-25

Employees (FTE)

0

-80.0% 18-25

Staff costs

€18k

+81.5% 18-25

Income taxes

€7k

-48.4% 18-25

Debt

€357k

+43.8% 18-25

Debt ≤ 1y

€235k

+41.6% 18-25

Debt > 1y

€122k

+48.3% 18-25

Current ratio

2.89

-9.4% 18-25

Quick ratio

1.05

+50.9% 18-25

Solvency

57.2%

-11.1% 18-25

Debt / equity

0.75

+35.2% 18-25

ROE

6.0%

-38.2% 18-25

ROA

3.4%

-45.1% 18-25

Interest coverage

3.96

-9.0% 18-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro schema
Revenue	-
EBITDA	€69k
Net profit	€29k
Cash flow	€44k
Staff costs	-
Income taxes	€7k
Dividends	-
Total assets	€834k
Equity	€477k
Debt	€357k
of which ≤ 1y	€235k
of which > 1y	€122k
Working capital	€445k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.89
Quick ratio	1.05
Working capital ratio	53.4%
Solvency	57.2%
Debt / equity	0.75
Long-term debt ratio	0.26
Interest coverage	3.96
Gross margin	-
Net margin	-
ROA	3.4%
ROE	6.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Balance-sheet composition 2025

Assets

Fixed assets €153k · 18.4% Current assets €681k · 81.6%

Equity & liabilities

Equity €477k · 57.2% Debt €357k · 42.8%

Full annual accounts (27 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€834k
Fixed assets	21/28	€153k
Formation expenses	20	€0
Intangible fixed assets	21	€500
Tangible fixed assets	22/27	€150k
Financial fixed assets	28	€3k
Current assets	29/58	€681k
Stocks & contracts in progress	3	€434k
Amounts receivable within one year	40/41	€17k
Cash & bank	54/58	€227k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€834k
Equity	10/15	€477k
Contributions / capital	10/11	€19k
Reserves	13	€2k
Accumulated profits (losses)	14	€456k
Amounts payable	17/49	€357k
Amounts payable after one year	17	€122k
Amounts payable within one year	42/48	€235k
Trade debts payable within one year	44	€153k
Income statement
Gross operating margin	9900	€71k
Operating result	9901	€54k
Financial income	75	€9
Financial charges	65	€17k
Result before taxes	9903	€36k
Income taxes	67/77	€7k
Net result for the period	9904	€29k
Result to be appropriated	9905	€29k

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (23481401). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

Iffat Waris
Director
State Gazette act 23481401 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Director
Nasir Javed
Director
State Gazette act 23481401 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Director
Qaiser Javed
Director
State Gazette act 23481401 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Director

Legal Structure

NACE primary	Other retail sale of food(47279)
Legal form	Private limited company(610)
Incorporation	03-09-2014
Status	Active
Postal code	2321

Establishment units 2 locations

DILLO

Meerdorp 7, 2321 HoogstratenRetail trade

since 20142.234.398.067

Het Tabakshuis

Molenstraat 77, 2387 Baarle-HertogRetail trade

since 20172.269.425.163

Real-estate footprint Source: CBE × cadastre

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13002C0076/00G002	Flanders	661 m²	1 · 162 m²	9.3 m · 2 fl.
13020C0285/00A002	Flanders	262 m²	1 · 376 m²	8.8 m · 2 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

All 11 NBB filing 10 State Gazette act 1

2017 2017: 1 NBB filing 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2020: 1 NBB filing 2021 2022 2022: 1 NBB filing 2023 2023: 2 NBB filings, 1 State Gazette act 2024 2024: 1 NBB filing 2025 2025: 1 NBB filing 2026 2026: 1 NBB filing

2026

24-07-2026 NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

26-08-2025 NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

11-07-2024 NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

28-12-2023 State Gazette act Director changes

Patrick Knevels

30-08-2023 NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

14-04-2023 NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2022

23-09-2022 NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

28-12-2020 NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

11-10-2019 NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

31-07-2018 NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

03-07-2017 NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

28-12-2023 3 directors appointed, 3 resigning Director changes·Patrick Knevels

Qaiser Javed, Bestuurder
Iffat Waris, Bestuurder
Nasir Javed, Bestuurder
JAVED Qaiser, Bestuurder
WARIS Iffat, Bestuurder
JAVED Nasir, Bestuurder

Notary: Patrick Knevels · Mortsel

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Other retail sale of food47279Retail trade47299

Names & trade names

Legal nameNL

Dillo

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