DISSEMMA
ActiveThe computed 12-month bankruptcy probability of DISSEMMA is 2.0% (moderate). The 2025 annual accounts show equity of €43k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 92% of 13270 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+4
Solvency100=
Growth56▼-1
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 5.56 against 4.18 in 2024; short-term debt: 17.1% and cash: 19.7% of total assets), and 17.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
82.9%
Return on assets
-2.4%
Age of the figures
15 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 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
11 d late
2024
364 d late
2023
460 d late
2022
136 d late
2021
21 d late
2020
39 d late
2019
5 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€306k▲ 0.1%
2024 · €306k
2019: €188k
2020: €177k
2021: €146k
2022: €233k
2023: €279k
2024: €306k
2019 → 2025
EBIT margin
0.2%▲ 0.4pp
2024 · -0.1%
2019: 7.3%
2020: -3.4%
2021: -2.2%
2022: 4.1%
2023: -6.1%
2024: -0.1%
2019 → 2025
Net result
€-1k▲ 27.7%
2024 · €-2k
2019: €11k
2020: €-3k
2021: €22k
2022: €7k
2023: €-22k
2024: €-2k
2019 → 2025
Working capital
€40k▲ 2.5%
2024 · €39k
2019: €41k
2020: €37k
2021: €56k
2022: €58k
2023: €39k
2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€146k-€233k▲ 59.3%€279k▲ 19.6%€306k▲ 9.8%€306k▲ 0.1%
Equity€61k-€68k▲ 12.0%€46k▼ 32.7%€44k▼ 3.8%€43k▼ 2.9%
Operating result€-3k-€10k€-17k€-442▲ 97.4%€674
Net result€22k-€7k▼ 66.9%€-22k€-2k▲ 92.1%€-1k▲ 27.7%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €674 after a loss of €442 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€3k▼ 46.6%
Current assets
€49k▼ 4.9%
Equity and liabilities €52k
Equity
€43k▼ 2.9%
Debt
€9k▼ 28.6%
The debt ratio falls from 21.9% to 17.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▲
2024 · €2k
Cash flow
€997▲
2024 · €860
Solvency
82.9%▲
2024 · 78.1%
Current ratio
5.56▲
2024 · 4.18
Quick ratio
3.71▲
2024 · 2.77
Debt / equity
0.21▼
2024 · 0.28
ROE
-2.9%▲
2024 · -4.0%
ROA
-2.4%▲
2024 · -3.1%
Interest coverage
2.16▲
2024 · 1.45
Debt
€9k▼
2024 · €12k
Debt ≤ 1 year
€9k▼
2024 · €12k
Income taxes
€635▼
2024 · €641
Staff costs
€15k▼
2024 · €24k
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€57k€52k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€5k€3k▼
Current assets29/58€52k€49k▼
Stocks and contracts in progress3€17k€16k▼
Stocks30/36€17k€16k▼
Amounts receivable within one year40/41€14k€22k▲
Other amounts receivable41€14k€22k▲
Cash at bank and in hand54/58€20k€10k▼
Deferred charges and accrued income490/1€1k€865▼
Equity and liabilities
Total equity and liabilities10/49€57k€52k▼
Equity10/15€44k€43k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€22k€21k▼
Amounts payable17/49€12k€9k▼
Amounts payable within one year42/48€12k€9k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€5k€2k▼
Income statement
Code20242025
Turnover70€306k€306k▲
Goods, raw materials, services and sundry goods60/61€276k€285k▲
Remuneration, social security and pensions62€24k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€30k€22k▼
Operating profit (loss)9901€-442€674▲
Financial income75/76B€822€49▼
Recurring financial income75€822€49▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-1k€-637▲
Income taxes67/77€641€635▼
Profit (loss) for the period9904€-2k€-1k▲
Profit (loss) for the period to be appropriated9905€-2k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€21k▼
Profit (loss) brought forward from the previous period14P€24k€22k▼
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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 364 days late
2025
05-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 460 days late
2023
30-06
Financial
Weakest financial yearnet €-22k ▼405%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 136 days late
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 21 days late
2021
30-06
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
30-06
Financial
Liquidity times 5current ratio 28.55
Current ratio from 6.33 to 28.55; short-term debt falls from €7k to €2k.
11-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 39 days late
2020
05-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 5 days late
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 55 days late
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 420 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2013
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.
Rue Léon Pourbaix 236030 CharleroiGround area
1,220 m²
Building footprint
105 m²
Volume, LiDAR
784 m³
2 parcels, Wallonia · tallest building 11.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SERENO
since 20132.220.793.719
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52044B0515/00Z026 | Wallonia | 905 m² | 1 · 73 m² | 11.7 m · 4 fl. |
| 52044B0396/00Z002 | Wallonia | 316 m² | 1 · 33 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.220.793.719
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Laissez-Faire
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,767 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2013
Fiscal year end30-06
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.