DISO
ActiveDISO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €11k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 34% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▲+51
Solvency38▲+4
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.96 in 2023; short-term debt: 74.9% and cash: 55.9% of total assets), and 86.6% of the assets are financed with debt.
Credit advice 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 · 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 2024Solvency, return and age of the figures
Solvency
13.4%
Return on assets
3.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-09-2025, 47 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
not confirmed
2024
47 d late
2023
58 d late
2022
44 d late
2021
57 d late
2020
11 d late
2019
96 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€49k▲ 30.7%
2023 · €37k
2018: €38k
2019: €22k
2020: €37k
2021: €47k
2022: €48k
2023: €37k
2018 → 2024
Total assets
€363k▼ 13.1%
2023 · €418k
2018: €249k
2019: €168k
2020: €350k
2021: €428k
2022: €428k
2023: €418k
2018 → 2024
Net result
€11k
2023 · €-11k
2018: €-7k
2019: €-17k
2020: €15k
2021: €11k
2022: €2k
2023: €-11k
2018 → 2024
Working capital
€-16k▼ 17.7%
2023 · €-13k
2018: €22k
2019: €5k
2020: €23k
2021: €11k
2022: €7k
2023: €-13k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€37k-€47k▲ 27.4%€48k▲ 2.5%€37k▼ 22.6%€49k▲ 30.7%
Operating result€23k-€21k▼ 8.1%€9k▼ 56.1%€-7k€19k
Net result€15k-€11k▼ 27.2%€2k▼ 81.7%€-11k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €19k after a loss of €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €363k
Fixed assets
€107k▲ 2.5%
Current assets
€257k▼ 18.3%
Equity and liabilities €363k
Equity
€49k▲ 30.7%
Debt
€315k▼ 17.4%
The debt ratio falls from 91.1% to 86.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2023 · €3k
Cash flow
€22k▲
2023 · €-1k
Solvency
13.4%▲
2023 · 8.9%
Current ratio
0.94▼
2023 · 0.96
Quick ratio
0.94▼
2023 · 0.96
Debt / equity
6.46▼
2023 · 10.22
ROE
23.5%▲
2023 · -29.1%
ROA
3.1%▲
2023 · -2.6%
Interest coverage
10.96▲
2023 · 0.73
Debt
€315k▼
2023 · €381k
Debt ≤ 1 year
€272k▼
2023 · €327k
Debt > 1 year
€41k▼
2023 · €52k
Income taxes
€5k▲
2023 · €268
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€418k€363k▼
Fixed assets21/28€104k€107k▲
Tangible fixed assets22/27€101k€104k▲
Land and buildings22€93k€95k▲
Furniture and vehicles24€8k€9k▲
Financial fixed assets28€3k€3k=
Current assets29/58€314k€257k▼
Amounts receivable within one year40/41€83k€48k▼
Trade receivables40€80k€48k▼
Other amounts receivable41€4k€33▼
Cash at bank and in hand54/58€222k€203k▼
Deferred charges and accrued income490/1€9k€5k▼
Equity and liabilities
Total equity and liabilities10/49€418k€363k▼
Equity10/15€37k€49k▲
Contributions10/11€12k€12k=
Reserves13€36k€36k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€34k€34k▲
Profit (loss) carried forward14€-11k-
Amounts payable17/49€381k€315k▼
Amounts payable after more than one year17€52k€41k▼
Financial debts170/4€52k€41k▼
Amounts payable within one year42/48€327k€272k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€41k€26k▼
Suppliers440/4€41k€26k▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€271k€230k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20232024
Non-recurring operating income76A-€165
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€7k€32k▲
Operating profit (loss)9901€-7k€19k▲
Financial income75/76B€2€180▲
Recurring financial income75€2€180▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-11k€16k▲
Income taxes67/77€268€5k▲
Profit (loss) for the period9904€-11k€11k▲
Profit (loss) for the period to be appropriated9905€-11k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€564▲
Profit (loss) brought forward from the previous period14P-€-11k
Transfer to equity691/2-€564
To other reserves6921-€564
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 96 days late
2019
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 43 days late
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 46 days late
2016
20-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 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.
Rondehuisjesdreef 39031 GentGround area
255 m²
Building footprint
182 m²
Volume, LiDAR
1,065 m³
Parcel 44017C0470/00F009, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Diso
since 20042.144.014.457
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017C0470/00F009 | Flanders | 255 m² | 1 · 182 m² | 11.1 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.
Similar companies · same sector, comparable size
AIJB REAL ESTATE
BE 0823.520.595
Antwerpen · Eq €49k
EXPELSA
BE 0792.851.670
Mons · Eq €49k
FYRA
BE 0799.523.092
Ukkel · Eq €49k
EVERINVEST
BE 0448.269.464
Anderlecht · Eq €49k
Windsor
BE 0427.823.250
Kortrijk · Eq €49k
Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 4,855 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-11-2004
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68312Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.