DISPO4YOU
ActiveThe annual accounts of DISPO4YOU for fiscal year 2025 show a net loss of 54% of total assets and of 71% of the equity at the start of that year. The 2025 annual accounts show equity of €8k and a net result of €-20k. Equity is growing by ~27.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 1897 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency47▼-40
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.22 against 2.48 in 2024; short-term debt: 77.9% and cash: 92.3% of total assets), and 77.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
22.1%
Return on assets
-53.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 1897 sector peers (2025).
NBB · sector comparisonPosition among 1897 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 3 filingsDeviation from the deadline
2025
4 d late
2024
25 d late
2023
69 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 70.9%
2024 · €29k
2023: €4k
2024: €29k
2023 → 2025
Total assets
€38k▼ 18.2%
2024 · €46k
2023: €8k
2024: €46k
2023 → 2025
Net result
€-20k
2024 · €25k
2023: €1k
2024: €25k
2023 → 2025
Working capital
€6k▼ 74.9%
2024 · €26k
2023: €2k
2024: €26k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€29k▲ 659%€8k▼ 70.9%
Operating result€2k-€31k▲ 1,884%€-20k
Net result€1k-€25k▲ 1,867%€-20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €31k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€2k▼ 33.7%
Current assets
€36k▼ 17.1%
Equity and liabilities €38k
Equity
€8k▼ 70.9%
Debt
€29k▲ 68.4%
The debt ratio rises from 37.9% to 77.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-19k▼
2024 · €33k
Cash flow
€-19k▼
2024 · €27k
Solvency
22.1%▼
2024 · 62.1%
Current ratio
1.22▼
2024 · 2.48
Quick ratio
1.22▼
2024 · 2.48
Debt / equity
3.53▲
2024 · 0.61
ROE
-243.6%▼
2024 · 86.8%
ROA
-53.8%▼
2024 · 53.9%
Interest coverage
-120.66▼
2024 · 12206.61
Debt
€29k▲
2024 · €17k
Debt ≤ 1 year
€29k▲
2024 · €17k
Staff costs
€50k▲
2024 · €18k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€46k€38k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€538€538=
Current assets29/58€43k€36k▼
Amounts receivable within one year40/41€22k€1k▼
Trade receivables40€21k€826▼
Other amounts receivable41€575€215▼
Cash at bank and in hand54/58€21k€35k▲
Deferred charges and accrued income490/1€69-
Equity and liabilities
Total equity and liabilities10/49€46k€38k▼
Equity10/15€29k€8k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€26k€6k▼
Amounts payable17/49€17k€29k▲
Amounts payable within one year42/48€17k€29k▲
Trade debts44€1k€8k▲
Suppliers440/4€1k€8k▲
Taxes, remuneration and social security45€16k€22k▲
Taxes450/3€13k€13k▲
Remuneration and social security454/9€3k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€50k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€939▼
Gross operating margin9900€52k€30k▼
Operating profit (loss)9901€31k€-20k▼
Financial income75/76B€16€54▲
Recurring financial income75€16€54▲
Financial charges65/66B€3€159▲
Recurring financial charges65€3€159▲
Profit (loss) for the period before taxes9903€31k€-20k▼
Income taxes67/77€7k-
Profit (loss) for the period9904€25k€-20k▼
Profit (loss) for the period to be appropriated9905€25k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€6k▼
Profit (loss) brought forward from the previous period14P€1k€26k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €-20k ▼182%
Net result drops to €-20k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2023net €25k ▲1867%
Operating result €31k, net result €25k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zaventem · 1 establishment unit since 2023
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.
Da Vincilaan 11930 ZaventemGround area
1.6 ha
Building footprint
2,012 m²
Volume, LiDAR
70,242 m³
2 parcels, Brussels, Flanders · tallest building 45.7 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
DISPO4YOU
since 20232.350.501.921
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0111/00M002 | Flanders | 8,965 m² | 1 · 1,730 m² | 45.7 m · 14 fl. |
| 21523B0861/00D000 | Brussels | 7,479 m² | 1 · 282 m² | 37.3 m · 12 fl. |
Linked by address, not proof of ownership
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.
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Of 2,729 companies in sector 63100 we hold annual accounts for 1,273. 518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2023
Fiscal year end31-12
Activities, NACEBEL
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
60310News agency activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.