Equity
-€30,899
Debts exceed assets in financial year 2025.
DILO.BE
Overview
Lifetime
3 annual accounts with figures on one time axispeak -€475 (2023)
-€3,146▼ €1,325
lowest -€16,480 (2023)
-€13,023▼ €1,628
peak -€6,480 (2023)
-€30,899▼ €13,023
€860,410▲ 1.0%
Board2 names since 2022
2 directorsDAUBECHIES Fabian Frédéric Georges and 1 other
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Gross margin from -€1,821 to -€3,146Loss of €13,023Equity from -€17,876 to -€30,899Cash from €13,703 to €9,511
Key points
from the 2025 annual accountsLosses
-€40,899 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Debts
€860,410 104% of the balance sheet
After one year 4%Within one year 96%
Of this, €828,910 falls due within a year.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 12% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.5%▼ -0.1 percentage points vs 06-2025
08-2025: 0.5%● unchanged vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026lowest value
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.6%▲ +0.1 percentage points vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026highest value
08-2026: 0.5%▼ -0.1 percentage points vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
No registered site in the KBO
Negative equity -€30,899
lowers risk
Size: total assets €829,511
No main activity registered
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 14% of them on solvency, 5% on liquidity, 23% on profitability and 6% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,251 companies had the same profile as DILO.BE has now. Each dot stands for 4 companies, two years later.
96.6%
were still trading
2.1%
stopped another way
1.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DILO.BE itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,251 companies, not a prediction for DILO.BE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is tight, with a current ratio of 1.0 (1.01 in 2024), below the usual 1.5. Short-term debt is 99.9% and cash 1.1% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€30,899
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
49 days early
2023
19 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 10 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (3 of the last 3 accounts filed within 49 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DAUBECHIES Fabian Frédéric Georges founderdeed of 29-04-2022
- VERBAET Julie Martine Jean Luc Cornelia founderdeed of 29-04-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0785449481
Incorporation
Founding capital of €10,000, 1,000 shares · Founders: DAUBECHIES Fabian Frédéric Georges and VERBAET Julie Martine Jean Luc Cornelia · Appointments: DAUBECHIES Fabian Frédéric Georges (director) and VERBAET Julie Martine Jean Luc Cornelia (director) · published on 29-04-2022 · Gazette deed
Official details
Source: KBO- Status
- Active since 27-04-2022Normal situation
- Activity
- “Toutes opérations ou transactions immobilières,en ce compris,l'achat,l'échange,la vente,la prise en location et en sous-location,ainsi…” (deed in French)From the articles, 18 activitiesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Reachable since 03-03-2026
Annual accounts 2025
- -€3,146▼ 72.8%
- €13,023▲ 14.3%
- -€30,899▼ 72.9%
- €829,511▼ 0.5%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on DILO.BE
DILO.BE files the micro format. That format states no turnover. The gross margin fell from -€475 in 2023 to -€3,146 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-07-2026, on the day of the deadline-€3,146
▼ €1,325
-€3,695
▼ €1,487
-€13,023
▼ €1,628
€601
▼ 87.0%
-3.7%
▼ 1.6 percentage points
1.00
▼ 0.00
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €829,511 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
829,511 | 833,703 | 835,520 | |
29/58 |
829,511 | 833,703 | 835,520 | |
50/53 |
820,000 | 820,000 | 820,000 | |
54/58 |
9,511 | 13,703 | 15,520 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
829,511 | 833,703 | 835,520 | |
10/15 |
-30,899 | -17,876 | -6,480 | |
10/11 |
10,000 | 10,000 | 10,000 | |
14 |
-40,899 | -27,876 | -16,480 | |
17/49 |
860,410 | 851,579 | 842,000 | |
42/48 |
828,910 | 829,079 | 828,500 | |
44 |
410 | 9,079 | 8,500 | |
440/4 |
410 | 9,079 | 8,500 | |
47/48 |
828,500 | 820,000 | 820,000 | |
492/3 |
31,500 | 22,500 | 13,500 | |
| Income statement | ||||
9900 |
-3,146 | -1,821 | -475 | |
630 |
- | - | 1,700 | |
640/8 |
550 | 387 | 732 | |
9901 |
-3,695 | -2,208 | -2,907 | |
65/66B |
9,328 | 9,187 | 13,574 | |
65 |
9,328 | 9,187 | 13,574 | |
9903 |
-13,023 | -11,395 | -16,480 | |
9904 |
-13,023 | -11,395 | -16,480 | |
9905 |
-13,023 | -11,395 | -16,480 | |
| Appropriation of the result | ||||
9906 |
-40,899 | -27,876 | -16,480 | |
14P |
-27,876 | -16,480 | - | |
| Document | ||||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| - | - | -1,207 | ||
| - | - | -14,780 | ||
| -4,192 | -1,817 | - | ||
| 601 | 4,624 | 7,020 | ||
| -3.7% | -2.1% | -0.8% | ||
| 1.00 | 1.01 | 1.01 | ||
| -1.6% | -1.4% | -2.0% | ||
| - | - | -0.09 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on DILO.BE
The operating result for 2025 is a loss of €3,695, larger than the loss of €2,208 in 2024. It is the lowest result since 2023.
Equity is negative. Debt (€860,410) exceeds the balance-sheet total (€829,511).
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
appointed by deed of 29-04-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 31-07-2026
Director (not named in the articles)
appointed by deed of 29-04-2022
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 31-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 29-04-2022
Mandates through the years
2 names, the dashed line is todayDAUBECHIES Fabian Frédéric Georges
Director (not named in the articles)
Director (not named in the articles)
VERBAET Julie Martine Jean Luc Cornelia
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DAUBECHIES Fabian Frédéric Georges
- Director (not named in the articles), appointed by deed of 29-04-2022, still in office
- VERBAET Julie Martine Jean Luc Cornelia
- Director (not named in the articles), appointed by deed of 29-04-2022, still in office
Control
This company
DILO.BE
Equity -€30,899
Loss €13,023 in 2025
Capital
- Contribution
- €10,000
- Shares
- 1,000
- Contribution per share
- €10
- Equity per share
- -€30.90 in 2025
- Source
- deed of 29-04-2022
Articles of association
deed of 29-04-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Organe d'administration, moitié à charge du cédant et moitié à charge du ou des acquéreurs”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00
Founders
At incorporation
deed of 29-04-2022 ↗
Network & group
At the same address
Chemin de Bas-Ransbeck 6, 1380 Lasne · 2 other companies| F.D. EUROPE
registered office since 26-04-2010 · founded in 2010 |
total assets €2.1m (2025) 0825.331.527 |
| XANICA
registered office since 26-01-2006 · founded in 2006 |
total assets €737,849 (2025) 0879.222.153 |
Holdings and subsidiaries
1 holdingHoldings 1
- XANICAsubsidiaryEquity €49,794 Loss of €15,182 in 2025 (loss of €13,599 in 2024) Checked score 81Sourcedeed 20-07-2022100%
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
Philco
via VERBAET Julie Martine Jean Luc Cornelia · Director · deed of 07-06-2023
Founded in 1983 · 1.4 FTE (2025) · negative equity
→
Timeline
Timeline
5 events since 2022Filings
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · on the deadline day
Registered in the Peppol Directory Reachable for e-invoices through 0208:0785449481
2025
Annual accounts 2024 filed PDFmicro format · 49 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 19 days late
2022
IncorporationFounding capital of €10,000, 1,000 shares · Founders: DAUBECHIES Fabian Frédéric Georges and VERBAET Julie Martine Jean Luc Cornelia · Appointments: DAUBECHIES Fabian Frédéric Georges (director) and VERBAET Julie Martine Jean Luc Cornelia (director) · published on 29-04-20227 points ▸
- Founder, DAUBECHIES Fabian Frédéric Georges
- Founder, VERBAET Julie Martine Jean Luc Cornelia
- Founding capital, €10,000, 1,000 shares
- Registered office clause, Chemin de Bas-Ransbeck numéro 6, 1380 Lasne
- Board rule, 2
- Director appointment, DAUBECHIES Fabian Frédéric Georges (director (not named in the articles))
- Director appointment, VERBAET Julie Martine Jean Luc Cornelia (director (not named in the articles))
- The deed holds 4 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0785.449.481
- VAT number
- BE 0785.449.481
- Peppol ID
- 0208:0785449481
- Other Peppol ID
- 9925:BE0785449481
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 27-04-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00deed of 29-04-2022 (in French)
- Peppol
- Reachable since 03-03-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DILO.BE in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 29-04-2022 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Chemin de Bas-Ransbeck 6, 1380 Lasne”deed of 29-04-2022 (in French)
Activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations ou transactions immobilières,en ce compris,l'achat,l'échange,la vente,la prise en location et en sous-location,ainsi que…”deed of 29-04-2022 (in French)
18 activities
- Toutes opérations ou transactions immobilières,en ce compris,l'achat,l'échange,la vente,la prise en location et en sous-location,ainsi que la cession en location et en sous-location,le tout avec ou sans option d'achat,de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,terres et domaines,et de manière générale,de tous biens immobiliers,l'établissement de droits réels tels que droit d'usufruit,droit de nue-propriété,droit de superficie ou d'emphytéose,de même que le développement,la promotion et le lotissement de tous biens immeubles,bâtis ou non bâtis,tant à usage d'habitation ou de bureau,que de commerce ou d'industrie,soit de façon générale toutes transactions relatives à des biens immobiliers et fonds de commerce
- Toutes activités relatives à la gestion,l'exploitation et l'entretien sous toutes leurs formes de tous biens tant meubles qu'immeubles,en ce compris la location et la sous-location de biens meubles et immeubles
- Toutes opérations de construction,conservation,restauration,transformation,rénovation,mise en valeur,de tous biens immeubles,tant à usage d'habitation ou de bureau,que de commerce ou d'industrie,l'achat/vente de matériaux nécessaires à la construction ou à la rénovation d'immeubles
- Tous actes visant l'aménagement intérieur ou extérieur,l'équipement sous toutes ses formes de même que la décoration intérieure de tous bâtiments,logements,espaces commerciaux,de bureaux ou industriels,à l'aide de tout matériaux,à toute fin et par toute technique,l'étude,l'organisation ou la réorganisation notamment de volumes et d'espaces tant industriels ou commerciaux que de bureaux ou d'habitation,comprenant également la réalisation de toute étude et plans ainsi que la coordination en ces domaines,l'achat/vente de produits et articles de décoration,l'achat,la vente et la location de mobilier d'aménagement pour bureau,commerce,industrie,habitation
- Effectuer les opérations au même titre qu'un bureau d'études,et notamment l'organisation d'espaces de bureaux,industriels ou commerciaux,l'établissement d'études,plans,coordination en ces domaines
- Accomplir ces opérations pour son compte ou pour compte de tiers,en tant que maître de l'ouvrage ou entrepreneur général,et effectuer,éventuellement aux biens immobiliers,des transformations et mises en valeur,ainsi que l'étude et l'aménagement de lotissements y compris la construction de routes et égouts;souscrire des engagements en tant que conseiller en construction (études de génie civil et des divers équipement techniques des immeubles);acheter tous matériaux,signer tous contrats d'entreprises qui seraient nécessaires;réaliser toutes opérations de change,commission et courtage,ainsi que la gérance d'immeubles
- Acheter,exploiter et construire tant pour elle-même que pour des tiers,par location ou autrement,tous parkings,garages,station-service et d'entretien
- Accomplir toutes opérations commerciales,industrielles,financières,mobilières ou immobilières se rapportant directement ou indirectement à son objet social ou qui seraient de nature à en faciliter ou développer la réalisation,également le financement de ces opérations en direct ou se porter caution lors d'un financement
- Accomplir toutes activités de conseil pour les affaires et autres conseils de gestion (70220)
- S'intéresser par toutes voies dans toutes sociétés,associations ou entreprises ayant un objet similaire ou connexe au sien ou susceptible de favoriser le développement de ses activités
- Exercer les fonctions d'administrateur ou de liquidateur dans d'autres sociétés
- Disposer d'une pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet ou qui seraient de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet
- S'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
- Se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées,au sens le plus large
- Exercer tout mandat généralement quelconque ainsi que toute fonction autorisée dans toute personne morale belge ou étrangère en ce compris la fonction d'administrateur,de délégué à la gestion journalière,de gérant et de liquidateur
- Prendre des participations dans d'autres sociétés ou entreprises existantes ou à créer,que ce soit en Belgique ou à l'étranger,dont l'objet serait semblable ou analogue au sien ou de nature à favoriser son objet,par voie d'apport en espèces ou en nature,de fusion,de souscription,de participation,d'intervention financière ou autrement
- Consentir tous prêts ou garantir tous prêts consentis par des tiers
- Accomplir toutes opérations commerciales,industrielles,financières,mobilières ou immobilières,soit pour son compte,soit pour le compte de tiers,se rapportant directement ou indirectement à son objet ou qui seraient de nature à en faciliter directement ou indirectement,entièrement ou partiellement la réalisation
Registered office and establishments
| Chemin de Bas-Ransbeck 6 registered office 1380 Lasne |
Buildings and parcels at the address
- Ground area
- 2,940 m²
- Buildings
- 209 m²
- Volume, LiDAR
- 1,181 m³
- Tallest building
- 8.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25076G0451/00N000 | 2,939 m² | 1 · 209 m² | 8.5 m · 2 |