DIPE CONCEPT
ActiveSummary
DIPE CONCEPT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€51,451) and a net result of -€40,640. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-32
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.63 in 2024; short-term debt: 138.4% and cash: 2.8% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-50.9%
Return on assets
-40.2%
Age of the figures
12 mo
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 · 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€51,451
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
48 d early
2023
41 d early
2022
61 d early
2021
40 d early
2020
17 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€51,451
2024 · €7,789
Total assets
€101,165▼ 12.0%
2024 · €114,936
Net result
-€40,640▲ 22.7%
2024 · -€52,579
Working capital
-€83,575▼ 160%
2024 · -€32,140
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result-€60,912▼ 335%-€16,738▲ 72.5%-€23,593▼ 41.0%-€50,582▼ 114%-€36,968▲ 26.9%
Net result-€82,901below the sector's middle half▼ 355%-€34,637below the sector's middle half▲ 58.2%-€35,415below the sector's middle half▼ 2.2%-€52,579below the sector's middle half▼ 48.5%-€40,640below the sector's middle half▲ 22.7%
Equity-€359,581below the sector's middle half▼ 30.0%-€394,217below the sector's middle half▼ 9.6%-€429,632below the sector's middle half▼ 9.0%€7,789within the sector's middle half-€51,451below the sector's middle half
Total assets€240,804within the sector's middle half▲ 17.3%€222,351within the sector's middle half▼ 7.7%€121,036within the sector's middle half▼ 45.6%€114,936within the sector's middle half▼ 5.0%€101,165within the sector's middle half▼ 12.0%
Debt€600,384▲ 24.6%€616,569▲ 2.7%€550,668▼ 10.7%€107,147▼ 80.5%€152,616▲ 42.4%
Working capital-€348,375▼ 71.1%-€401,553▼ 15.3%-€434,491▼ 8.2%-€32,140▲ 92.6%-€83,575▼ 160%
Solvency-149.3%below the sector's middle half▼ 14.6pp-177.3%below the sector's middle half▼ 28.0pp-355.0%below the sector's middle half▼ 177.7pp6.8%within the sector's middle half▲ 361.7pp-50.9%below the sector's middle half▼ 57.6pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36,968 in 2025 against €50,582 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101,165
Fixed assets
€44,777 ▼ 25.7%
Current assets
€56,388 ▲ 3.2%
Key figures and ratios
EBITDA
-€13,330▲
2024 · -€30,154
Cash flow
-€17,003▲
2024 · -€32,151
Current ratio
0.40▼
2024 · 0.63
Quick ratio
0.04▼
2024 · 0.07
Debt to equity
-2.97▼
2024 · 13.76
ROA
-40.2%▲
2024 · -45.7%
Interest coverage
-5.94▲
2024 · -16.04
Debt ≤ 1 year
€139,963▲
2024 · €86,790
Income taxes
€1,429▲
2024 · €117
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,640 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.9%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 6,640 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €56,344 | €39,489 | €14,352 | €20,428 | €23,637 | ▲ 15.7% |
| Other operating charges640/8 | - | €3,966 | €53,972 | €554 | €1,235 | ▲ 123% |
| Gross operating margin9900 | €526 | €26,717 | €44,731 | -€29,600 | -€12,095 | ▲ 59.1% |
| Operating profit (loss)9901 | -€60,912 | -€16,738 | -€23,593 | -€50,582 | -€36,968 | ▲ 26.9% |
| Financial charges65/66B | - | €17,879 | €11,640 | €1,879 | €2,244 | ▲ 19.4% |
| Recurring financial charges65 | €21,912 | €17,777 | €11,640 | €1,879 | €2,244 | ▲ 19.4% |
| Non-recurring financial charges66B | - | €102 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€81,163 | -€34,617 | -€35,234 | -€52,461 | -€39,212 | ▲ 25.3% |
| Income taxes67/77 | €1,738 | €20 | €181 | €117 | €1,429 | ▲ 1,118% |
| Profit (loss) for the period9904 | -€82,901 | -€34,637 | -€35,415 | -€52,579 | -€40,640 | ▲ 22.7% |
| Profit (loss) for the period to be appropriated9905 | -€82,901 | -€34,637 | -€35,415 | -€52,579 | -€40,640 | ▲ 22.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €240,804 | €222,351 | €121,036 | €114,936 | €101,165 | ▼ 12.0% |
| Fixed assets21/28 | €192,684 | €161,685 | €42,379 | €60,287 | €44,777 | ▼ 25.7% |
| Intangible fixed assets21 | €18,280 | €14,580 | €10,880 | €7,180 | €3,480 | ▼ 51.5% |
| Tangible fixed assets22/27 | €174,404 | €147,104 | €31,498 | €53,106 | €41,297 | ▼ 22.2% |
| Land and buildings22 | - | €112,588 | €0 | - | €3,059 | - |
| Plant, machinery and equipment23 | - | €27,562 | €25,734 | €44,948 | €33,422 | ▼ 25.6% |
| Furniture and vehicles24 | - | €6,954 | €5,764 | €8,158 | €4,816 | ▼ 41.0% |
| Current assets29/58 | €48,119 | €60,667 | €78,658 | €54,650 | €56,388 | ▲ 3.2% |
| Stocks and contracts in progress3 | €30,785 | €49,306 | €57,215 | €48,589 | €50,589 | ▲ 4.1% |
| Stocks30/36 | - | €49,306 | €57,215 | €48,589 | €50,589 | ▲ 4.1% |
| Amounts receivable within one year40/41 | €10,612 | €3,283 | €10,526 | €1,160 | €2,479 | ▲ 114% |
| Trade receivables40 | - | €3,283 | €9,988 | €1,160 | €2,479 | ▲ 114% |
| Other amounts receivable41 | - | - | €539 | - | - | - |
| Cash at bank and in hand54/58 | €6,722 | €8,078 | €463 | €2,322 | €2,825 | ▲ 21.6% |
| Deferred charges and accrued income490/1 | - | - | €10,452 | €2,579 | €495 | ▼ 80.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €240,804 | €222,351 | €121,036 | €114,936 | €101,165 | ▼ 12.0% |
| Equity10/15 | -€359,581 | -€394,217 | -€429,632 | €7,789 | -€51,451 | ▼ 761% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €508,600 | €490,000 | ▼ 3.7% |
| Capital10 | - | €18,600 | €18,600 | - | - | - |
| Issued capital100 | - | €18,600 | €18,600 | - | - | - |
| Outside capital11 | - | - | - | €508,600 | - | - |
| Other1109/19 | - | - | - | €508,600 | - | - |
| Profit (loss) carried forward14 | -€378,181 | -€412,817 | -€448,232 | -€500,811 | -€541,451 | ▼ 8.1% |
| Amounts payable17/49 | €600,384 | €616,569 | €550,668 | €107,147 | €152,616 | ▲ 42.4% |
| Amounts payable after more than one year17 | €198,211 | €149,449 | - | - | - | - |
| Financial debts170/4 | - | €149,449 | - | - | - | - |
| Amounts payable within one year42/48 | €396,494 | €462,220 | €513,148 | €86,790 | €139,963 | ▲ 61.3% |
| Current portion of amounts payable after more than one year42 | - | €57,403 | - | - | - | - |
| Financial debts43 | - | - | €4,538 | €16,559 | €23,361 | ▲ 41.1% |
| Credit institutions430/8 | - | - | €4,538 | €16,559 | €23,361 | ▲ 41.1% |
| Trade debts44 | €2,479 | €4,492 | €8,891 | €20,741 | €11,559 | ▼ 44.3% |
| Suppliers440/4 | - | €4,492 | €8,891 | €20,741 | €11,559 | ▼ 44.3% |
| Taxes, remuneration and social security45 | - | €6,699 | - | €9,675 | €5,380 | ▼ 44.4% |
| Taxes450/3 | - | €6,699 | - | €9,675 | €5,380 | ▼ 44.4% |
| Other amounts payable47/48 | - | €393,625 | €499,719 | €39,815 | €99,663 | ▲ 150% |
| Accrued charges and deferred income492/3 | - | €4,900 | €37,520 | €20,358 | €12,653 | ▼ 37.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€82,901 | -€34,637 | -€35,415 | -€52,579 | -€40,640 | ▲ 22.7% |
| + Depreciation and write-downs630 | €56,344 | €39,489 | €14,352 | €20,428 | €23,637 | ▲ 15.7% |
| Operating cash flow (approximation) | -€26,557 | €4,852 | -€21,063 | -€32,151 | -€17,003 | ▲ 47.1% |
| Investment in fixed assets (approximation) | - | -€8,489 | €104,954 | -€38,335 | -€8,128 | ▲ 78.8% |
| Change in cash | - | €1,356 | -€7,614 | €1,859 | €503 | ▼ 73.0% |
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
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet -€82,901
Net result drops to -€82,901, the lowest in the series; recovery starts the following year.
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
02-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Rumst · 1 establishment unit since 2020
Ground area
1,300 m²
Building footprint
247 m²
Volume, LiDAR
1,059 m³
Parcel 11036D0134/00D002, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
DIPE CONCEPT
since 20202.297.910.105
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036D0134/00D002 | Flanders | 1,300 m² | 1 · 247 m² | 8.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 352 EUR awarded · 352 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 142 EUR | 142 EUR |
| 2023 | 1 | 105 EUR | 105 EUR |
| 2022 | 1 | 105 EUR | 105 EUR |
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ABYSSE BELGIUM
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Of 1,046 companies in sector 47559 we hold annual accounts for 350. 171 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
Founded14-09-2004
Fiscal year end30-09
Activities, NACEBEL 2025
47559Retail sale of other household articles
68310Real estate agency activities
70200Business and other management consultancy
71112Activities of interior architects
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0867237507
Registered
20-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.