Equity
€5.1m ▼ 10.4%
DISROCHE paid out €850,000 in dividends. That is 232% of the 2025 profit.
DISROCHE
Lifetime
18 annual accounts with figures on one time axis, 27 filings since 1998peak €1.4m (2022)
€1.3m▲ 4.7%
lowest -€16,835 (2009)
€365,910▲ 9.2%
peak €5.6m (2024)
€5.1m▼ 10.4%
€1.7m▲ 48.3%
peak 20.5 FTE (2014)
10.8 FTE▼ 18.8%
Board3 names since 2020
2 directorsImmobilière du Pouhon and 1 other
Owners2 names in the annual accounts
Documentsfilings and deeds
12-05-202612 days late
2025financial year
Staff from 13.3 FTE to 10.8 FTEDividend €850,000Debts from €1.1m to €1.7m
Key points
from the 2025 annual accountsTurnover
≈ €9.0m estimated
The accounts state no turnover.
Investments
€9,207 0.1 × depreciation
Green is investment, beige is depreciation.
Staff
10.8 FTE from 20.5 in 2014
Between 2014 and 2025, 47% of the full-time equivalents disappeared.
Filings
27 annual accounts since 1998
Eight of the last ten came late. The 2019 accounts came latest: 106 days after the end of the period.
Position in the sector
€5.1m
More equity than 91% of companies in retail trade. Sector median €446,140 · 5,071 companies.
Checked score
96
Excellent
Financially stronger than 64% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,698 companies (NACE 47, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025highest value
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Founded in 1996
Liquidity: current ratio 4.00, cash €853,229
Size: 10.8 FTE, total assets €6.8m
Equity €5.1m (74.3% of total assets)
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, small). It does better than 90% of them on solvency, 76% on liquidity, 69% on profitability and 22% on growth.
The bankruptcy probability was computed on 10-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 20,137 companies had the same profile as DISROCHE has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of DISROCHE itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 20,137 companies, not a prediction for DISROCHE. 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 €480,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.0 (6.22 in 2024), above the usual 1.5. Short-term debt is 23.8% and cash 12.5% of total assets. 25.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 12 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
12 days late
2024
23 days late
2023
4 days early
2022
5 days late
2021
23 days late
2020
27 days late
2019
106 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 27 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 financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 12 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end11-11-2026 today30-04-2027 deadline
Board and ownership
- Immobilière du Pouhon 100%score 95equity €1.2m (2025) · 2025 annual accounts of Immobilière du Pouhon
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0457305114
2 directors reappointed
Immobilière du Pouhon and MASSOZ Nathan Pascale Benoît · Permanent representative: MASSOZ Philippe Jules Jean Ghislain · “L'achat,la fabrication,le stockage,la transformation,le transport et le commerce de gros,demigros et détail à…” (deed in French) · General meeting of 15-02-2024 · Gazette deed
Appointment: Massoz Nathan (director)
DISFRAIS holds 400 shares · General meeting of 01-01-2020 · Gazette deed
First establishment
Quai du Gravier 1, La Roche-en-Ardenne
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DISROCHE La Roche-en-Ardenne | €6.8m | €1.3m | 74.3% | 10.8 |
| REGINE ET PATRICK Dinant | €5.6m | €1.7m | 17.6% | 9 |
| AMAUDIS Soumagne | €8.5m | €0.9m | 5.1% | 11.9 |
| ALGRE FOOD Middelkerke | €7.8m | €1.6m | 68.8% | 8 |
| KASPERS - LANDEN Landen | €4.1m | €1.4m | 22.6% | 11.9 |
| Remi LAST - VAN OVERFELT Sint-Laureins | €5.0m | €0.9m | 40.1% | 13.3 |
| DE RIJCK VOEDING Geraardsbergen | €3.8m | €1.5m | 54.2% | 12 |
These companies have the same main activity as DISROCHE: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €3.8m and €8.5m, founded between 1990 and 2001.
Official details
Source: KBO- Status
- Active since 29-02-1996Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110and 1 other
- Establishment unit
- 2.075.659.5476980 La Roche-en-Ardenne, since 13-03-1996
- Financial year end
- 30 September
- Peppol
- Reachable since 14-07-2025
Annual accounts to 30-09-2025
- €6.8m▼ 0.5%
- Employeeson 30-09-2025
- 13▼ 13.3%
- Filing
- Filed on 12-05-2026
Insights on DISROCHE
DISROCHE has existed since 1996. The present size dates from 2010. The gross margin rose that year from €129,224 to €801,848 and staff from 2.1 to 17.8 full-time equivalents.
Solvency fell in 2025 from 82.5% to 74.3% because of the dividend.
Immobilière du Pouhon holds all the shares.
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 DISROCHE
- What is the company number of DISROCHE?
- The company number of DISROCHE is 0457.305.114. The VAT number is the same number with BE in front: BE 0457.305.114.
- Where is DISROCHE based?
- The registered office is at Quai du Gravier 1, 6980 La Roche-en-Ardenne.Company details
- What does DISROCHE do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of DISROCHE?
- DISROCHE is a public limited company (NV).
- When was DISROCHE founded?
- DISROCHE was founded on 29-02-1996.
- Is DISROCHE still active?
- Yes, DISROCHE is an active enterprise in the KBO register.
- How many employees does DISROCHE have?
- DISROCHE had an average of 10.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of DISROCHE?
- The turnover in financial year 2025 is ≈ €9.0m. This figure is estimated from the gross margin of €1.3m and 30 comparable companies (NACE 471). It probably lies between €5.5m and €11.0m.
- Is DISROCHE profitable?
- In financial year 2025, DISROCHE made a profit of €365,910.
- Where can I find the annual accounts of DISROCHE?
- DISROCHE filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DISROCHE due?
- DISROCHE must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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