Equity
€302,919 from €705,902 in 2019
Equity fell by 57% in 6 years.
DISPO
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €919,030 (2019)
-€6,277▼ €63,042
lowest -€138,859 (2021)
-€56,074▼ €58,975
peak €705,902 (2019)
€302,919▼ 15.6%
€573,785▼ 8.3%
peak 11.4 FTE (2013)
-not published
Board1 name since 2019
1 directorREYNAERTS Patrick Philibert Alice
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Gross margin from €56,765 to -€6,277Loss of €56,074Equity from €358,993 to €302,919Cash from €113 to €2,459
Key points
from the 2025 annual accountsResult
-€56,074 -€56,074
From profit to loss in 2025, after a profit of €2,901 in 2024.
Position in the sector
-€56,074
Lower net result than 95% of companies in retail trade. Sector median €5,052 · 22,900 companies.
Turnover not published (abbreviated or micro format)
Checked score
79
Excellent
Financially stronger than 34% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025lowest value
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026highest value
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
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
Liquidity: current ratio 2.24, cash €2,459
Loss of €56,074 (financial year 2025)
lowers risk
Founded in 2002
Size: total assets €950,430
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 (NACE 47, micro). It does better than 47% of them on solvency, 47% on liquidity, 18% on profitability and 22% on growth.
The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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, 8,617 companies had the same profile as DISPO has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DISPO 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 8,617 companies, not a prediction for DISPO. 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
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.24 (2.0 in 2024), above the usual 1.5. Short-term debt is 14.5% and cash 0.3% of total assets. However, 68.1% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises riskneutral
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
12 days early
2022
12 days early
2021
31 days late
2020
28 days late
2019
66 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 14 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed 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 (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0478671343
Registered office moved from Bonheiden to Keerbergen
New registered office: Putsebaan 93 bus 5 te 3140 Keerbergen · Previous registered office: Doornlaarstraat 55 te 2820 Bonheiden · Gazette deed
Capital decrease of €80,000 to €63,600
Capital from €143,600 to €63,600 · Change of role: REYNAERTS Patrick Philibert Alice, from manager to director · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 10-10-2019 · Gazette deed
First establishment
Putsebaan 93, Keerbergen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DISPO Keerbergen | €1.0m | -€6,277 | 31.9% | - |
| CONSTRUCT GROUP COMPANY Antwerp | €1.0m | -€2,104 | 13.5% | - |
| VAN DEN BROECK FREDDIE Haacht | €0.6m | -€22,772 | 98.2% | - |
| SYBKA Tongeren-Borgloon | €1.3m | -€50,717 | 19.7% | - |
| SANI ACCES Molenbeek-Saint-Jean | €0.9m | -€10,790 | 5.4% | - |
| BRICO - LIENNE Lierneux | €0.4m | -€323,997 | 15.1% | - |
| BOUWMARKT ROSIERS E & E Puurs-Sint-Amands | €0.7m | -€57,160 | 55.1% | - |
These companies have the same main activity as DISPO: retail sale of hardware, building materials, paint and glass (general range) (NACE 47521). They are comparable in size and age: total assets between €384,000 and €1.3m, founded between 1988 and 2011.
Official details
Source: KBO- Status
- Active since 28-10-2002Normal situation
- Activity
- Retail sale of hardware, building materials, paint and glass (general range)NACE 47521and 5 others
- Establishment unit
- 2.114.593.1693140 Keerbergen, since 08-11-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Annual accounts 2025
- €950,430▼ 10.6%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on DISPO
DISPO files the micro format. That format states no turnover. The gross margin fell from €173,947 in 2006 to -€6,277 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DISPO
- What is the company number of DISPO?
- The company number of DISPO is 0478.671.343. The VAT number is the same number with BE in front: BE 0478.671.343.
- Where is DISPO based?
- The registered office is at Putsebaan 93, 3140 Keerbergen.Company details
- What does DISPO do?
- According to the KBO register, the main activity is retail sale of hardware, building materials, paint and glass (general range) (NACE 47521).
- What is the legal form of DISPO?
- DISPO is a private limited company (BV).
- When was DISPO founded?
- DISPO was founded on 28-10-2002.
- Is DISPO still active?
- Yes, DISPO is an active enterprise in the KBO register.
- How many employees does DISPO have?
- DISPO had an average of 1.1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of DISPO?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.
- Is DISPO profitable?
- In financial year 2025, DISPO made a loss of €56,074.
- Where can I find the annual accounts of DISPO?
- DISPO filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DISPO due?
- DISPO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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