DISROCHE
ActiveSummary
DISROCHE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.06M and a net result of €366k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €400k at 30 days acceptable
Liquidity ample (current ratio 4.0 against 6.22 in 2024; short-term debt: 23.8% and cash: 12.5% of total assets), and 25.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.3%
Return on assets
5.4%
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-05-2026, 12 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
12 d late
2024
23 d late
2023
4 d early
2022
5 d late
2021
23 d late
2020
27 d late
2019
106 d late
← before the deadline
after the deadline →
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€366k▲ 9.2%
2024 · €335k
2018: €123k
2019: €200k
2020: €202k
2021: €109k
2022: €566k
2023: €302k
2024: €335k
2018 → 2025
Working capital
€4.87M▼ 9.8%
2024 · €5.40M
2018: €3.92M
2019: €4.16M
2020: €4.29M
2021: €4.59M
2022: €5.05M
2023: €5.26M
2024: €5.40M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.54M-€5.11M▲ 12.5%€5.41M▲ 5.9%€5.64M▲ 4.3%€5.06M▼ 10.4%
Operating result€149k-€781k▲ 424%€432k▼ 44.7%€441k▲ 2.1%€467k▲ 5.9%
Net result€109k-€566k▲ 418%€302k▼ 46.6%€335k▲ 10.9%€366k▲ 9.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.80M
Fixed assets
€310k ▼ 22.5%
Current assets
€6.49M ▲ 0.9%
Equity and liabilities €6.81M
Equity
€5.06M ▼ 10.4%
Provisions
€45k ▼ 14.3%
Debt
€1.70M ▲ 48.3%
Debt's share of the balance-sheet total rises from 16.8% to 25.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€573k▲
2024 · €531k
Cash flow
€472k▲
2024 · €426k
Current ratio
4.00▼
2024 · 6.22
Quick ratio
3.88▼
2024 · 6.03
Debt to equity
0.34▲
2024 · 0.20
ROE
7.2%▲
2024 · 5.9%
ROA
5.4%▲
2024 · 4.9%
Interest coverage
18.09▲
2024 · 15.70
Debt ≤ 1 year
€1.62M▲
2024 · €1.03M
Debt > 1 year
€20k▼
2024 · €51k
Income taxes
€107k▲
2024 · €97k
Staff costs
€735k▲
2024 · €713k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 66 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.84M€6.81M▼
Formation expenses20€10k€7k▼
Fixed assets21/28€400k€310k▼
Tangible fixed assets22/27€399k€309k▼
Land and buildings22€6k€4k▼
Plant, machinery and equipment23€280k€238k▼
Furniture and vehicles24€114k€67k▼
Financial fixed assets28€248€248=
Current assets29/58€6.43M€6.49M▲
Amounts receivable after more than one year29€4.36M€4.36M=
Trade receivables290€4.36M€4.36M=
Stocks and contracts in progress3€203k€210k▲
Stocks30/36€203k€210k▲
Amounts receivable within one year40/41€710k€1.06M▲
Trade receivables40€116k€89k▼
Other amounts receivable41€594k€973k▲
Cash at bank and in hand54/58€1.16M€853k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€6.84M€6.81M▼
Equity10/15€5.64M€5.06M▼
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€5.54M€4.96M▼
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€213k€191k▼
Distributable reserves133€5.32M€4.76M▼
Provisions and deferred taxes16€52k€45k▼
Deferred taxes168€52k€45k▼
Amounts payable17/49€1.15M€1.70M▲
Amounts payable after more than one year17€51k€20k▼
Financial debts170/4€51k€20k▼
Amounts payable within one year42/48€1.03M€1.62M▲
Current portion of amounts payable after more than one year42€65k€31k▼
Trade debts44€684k€530k▼
Suppliers440/4€684k€530k▼
Taxes, remuneration and social security45€185k€110k▼
Taxes450/3€97k€37k▼
Remuneration and social security454/9€88k€72k▼
Other amounts payable47/48€100k€950k▲
Accrued charges and deferred income492/3€64k€63k▼
Income statement
Code20242025
Remuneration, social security and pensions62€713k€735k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€106k▲
Other operating charges640/8€20k€21k▲
Non-recurring operating charges66A€18k€14k▼
Gross operating margin9900€1.28M€1.34M▲
Operating profit (loss)9901€441k€467k▲
Financial income75/76B€18k€30k▲
Recurring financial income75€18k€30k▲
Financial charges65/66B€34k€32k▼
Recurring financial charges65€34k€32k▼
Profit (loss) for the period before taxes9903€425k€466k▲
Transfer from deferred taxes780€7k€7k=
Income taxes67/77€97k€107k▲
Profit (loss) for the period9904€335k€366k▲
Transfer from tax-exempt reserves789€22k€22k=
Profit (loss) for the period to be appropriated9905€358k€388k▲
Appropriation of the result
Profit (loss) to be appropriated9906€358k€388k▲
Transfer from equity791/2-€850k
Transfer to equity691/2€258k€288k▲
To other reserves6921€258k€288k▲
Profit to be distributed694/7€100k€950k▲
Return on contributions (dividend)694-€850k
Directors or managers695€100k€100k=
Social balance
Average headcount (FTE)908713.310.8▼
The notes to these accounts (10 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 12 days late
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 23 days late
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 5 days late
2022
30-09
Financial
Highest result since 2018net €566k ▲418%
Operating result €781k, net result €566k, both a record.
30-09
Financial
Equity above €5MEq €5.11M ▲12.5%
5 profitable years in a row build equity to €5.11M.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
30-09
Financial
Weakest financial yearnet €109k ▼46%
Net result drops to €109k, the lowest in the series; recovery starts the following year.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 106 days late
2019
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, La Roche-en-Ardenne · 1 establishment unit since 1996
Ground area
1,218 m²
Building footprint
932 m²
Parcel 83031A0058/00D000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DISROCHE
since 19962.075.659.547
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83031A0058/00D000 | Wallonia | 1,218 m² | 1 · 932 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyLa-Roche-en-Ardenne2.075.659.547
Similar companies · same sector, comparable size
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UNO
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Lips
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PRECON GENT
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Gent · Eq €4.68M
Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-02-1996
Fiscal year end30-09
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47221Retail sale of meat and meat products, excluding game and poultry
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.