DISSO
ActiveSummary
The computed 12-month bankruptcy probability of DISSO is 1.7% (moderate). The 2024 annual accounts show equity of €19,586 and a net result of €34,677. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 26040 sector peers (fiscal year 2024). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability79=
Solvency44▼-15
Growth85=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.2 in 2023; short-term debt: 81.3% and cash: 8.1% of total assets), and 81.3% of the assets are financed with debt.
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Signals
Six 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 2024Solvency, return and age of the figures
Solvency
18.7%
Return on assets
33.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-08-2025, 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
not confirmed
2024
11 d late
2023
on the day
2022
31 d late
2021
18 d early
2020
6 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 9 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€1.3m▲ 4.4%
2023 · €1.2m
EBIT margin
3.9%▼ 0.4pp
2023 · 4.3%
Net result
€34,677▼ 32.3%
2023 · €51,244
Working capital
€7,194▼ 12.5%
2023 · €8,220
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€62,091▼ 62.1%€319,553▲ 415%€770,659▲ 141%€1.2m▲ 55.9%€1.3m▲ 4.4%
Operating result-€32,635€6,335€32,291▲ 410%€51,744▲ 60.2%€49,187▼ 4.9%
Net result-€32,974below the sector's middle half€4,264within the sector's middle half€27,909above the sector's middle half▲ 555%€51,244above the sector's middle half▲ 83.6%€34,677above the sector's middle half▼ 32.3%
EBIT margin-52.6%▼ 62.1pp2.0%▲ 54.5pp4.2%▲ 2.2pp4.3%▲ 0.1pp3.9%▼ 0.4pp
Equity-€62,508below the sector's middle half▼ 112%-€58,244below the sector's middle half▲ 6.8%-€30,335below the sector's middle half▲ 47.9%€20,909within the sector's middle half€19,586within the sector's middle half▼ 6.3%
Total assets€54,042below the sector's middle half▲ 1.3%€54,491below the sector's middle half▲ 0.8%€68,902within the sector's middle half▲ 26.4%€62,306within the sector's middle half▼ 9.6%€104,755within the sector's middle half▲ 68.1%
Debt€116,550▲ 40.6%€112,735▼ 3.3%€99,237▼ 12.0%€41,397▼ 58.3%€85,169▲ 106%
Working capital€13,916€8,214▼ 41.0%€34,878▲ 325%€8,220▼ 76.4%€7,194▼ 12.5%
Solvency-115.7%below the sector's middle half▼ 60.3pp-106.9%below the sector's middle half▲ 8.8pp-44.0%below the sector's middle half▲ 62.9pp33.6%within the sector's middle half▲ 77.6pp18.7%within the sector's middle half▼ 14.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 5% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €104,755
Fixed assets
€12,391 ▼ 2.3%
Current assets
€92,363 ▲ 86.1%
Equity and liabilities €104,755
Equity
€19,586 ▼ 6.3%
Debt
€85,169 ▲ 106%
Debt's share of the balance-sheet total rises from 66.4% to 81.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€49,484▼
2023 · €52,042
Cash flow
€34,974▼
2023 · €51,541
Current ratio
1.08▼
2023 · 1.20
Quick ratio
0.38▲
2023 · 0.22
Debt to equity
4.35▲
2023 · 1.98
ROE
177.1%▼
2023 · 245.1%
ROA
33.1%▼
2023 · 82.2%
Interest coverage
95.90▼
2023 · 104.02
Debt ≤ 1 year
€85,169▲
2023 · €41,397
Income taxes
€14,705
Staff costs
€52,362▲
2023 · €23,039
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,811 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.8%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €62,091 | €319,553 | €770,659 | €1.2m | €1.3m | ▲ 4.4% |
| Goods, raw materials, services and sundry goods60/61 | - | €310,787 | €728,149 | €1.1m | €1.2m | ▲ 5.2% |
| Remuneration, social security and pensions62 | - | €6,890 | €338 | €23,039 | €52,362 | ▲ 127% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €241 | €297 | €297 | = |
| Other operating charges640/8 | - | €541 | €18,833 | €4,762 | €2,598 | ▼ 45.4% |
| Gross operating margin9900 | -€22,399 | €13,766 | €51,703 | €79,842 | €104,445 | ▲ 30.8% |
| Operating profit (loss)9901 | -€32,635 | €6,335 | €32,291 | €51,744 | €49,187 | ▼ 4.9% |
| Financial income75/76B | - | - | - | - | €711 | - |
| Recurring financial income75 | - | - | - | - | €711 | - |
| Financial charges65/66B | - | €2,071 | €2,229 | €500 | €516 | ▲ 3.1% |
| Recurring financial charges65 | €339 | €2,071 | €2,229 | €500 | €516 | ▲ 3.1% |
| Profit (loss) for the period before taxes9903 | -€32,974 | €4,264 | €30,062 | €51,244 | €49,382 | ▼ 3.6% |
| Income taxes67/77 | - | - | €2,153 | - | €14,705 | - |
| Profit (loss) for the period9904 | -€32,974 | €4,264 | €27,909 | €51,244 | €34,677 | ▼ 32.3% |
| Profit (loss) for the period to be appropriated9905 | -€32,974 | €4,264 | €27,909 | €51,244 | €34,677 | ▼ 32.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €54,042 | €54,491 | €68,902 | €62,306 | €104,755 | ▲ 68.1% |
| Fixed assets21/28 | €11,741 | €11,741 | €12,986 | €12,689 | €12,391 | ▼ 2.3% |
| Tangible fixed assets22/27 | - | - | €1,245 | €948 | €650 | ▼ 31.4% |
| Furniture and vehicles24 | - | - | €1,245 | €948 | €650 | ▼ 31.4% |
| Financial fixed assets28 | €11,741 | €11,741 | €11,741 | €11,741 | €11,741 | = |
| Current assets29/58 | €42,301 | €42,750 | €55,916 | €49,618 | €92,363 | ▲ 86.1% |
| Stocks and contracts in progress3 | €39,680 | €39,354 | €39,680 | €40,385 | €60,070 | ▲ 48.7% |
| Stocks30/36 | - | €39,354 | €39,680 | €40,385 | €60,070 | ▲ 48.7% |
| Amounts receivable within one year40/41 | - | €1,300 | €939 | - | €23,449 | - |
| Other amounts receivable41 | - | €1,300 | €939 | - | €23,449 | - |
| Cash at bank and in hand54/58 | €2,621 | €2,096 | €15,298 | €8,557 | €8,482 | ▼ 0.9% |
| Deferred charges and accrued income490/1 | - | - | - | €675 | €362 | ▼ 46.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €54,042 | €54,491 | €68,902 | €62,306 | €104,755 | ▲ 68.1% |
| Equity10/15 | -€62,508 | -€58,244 | -€30,335 | €20,909 | €19,586 | ▼ 6.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €460 | €460 | €460 | €460 | €460 | = |
| Non-distributable reserves130/1 | - | €460 | €460 | €460 | €460 | = |
| Reserves not available under the articles1311 | - | €460 | €460 | €460 | €460 | = |
| Profit (loss) carried forward14 | -€81,568 | -€77,304 | -€49,395 | €1,849 | €526 | ▼ 71.6% |
| Amounts payable17/49 | €116,550 | €112,735 | €99,237 | €41,397 | €85,169 | ▲ 106% |
| Amounts payable after more than one year17 | €88,165 | €78,199 | €78,199 | - | - | - |
| Financial debts170/4 | - | €31,596 | €31,596 | - | - | - |
| Other amounts payable178/9 | - | €46,602 | €46,602 | - | - | - |
| Amounts payable within one year42/48 | €28,385 | €34,536 | €21,038 | €41,397 | €85,169 | ▲ 106% |
| Trade debts44 | €5,668 | €17,041 | €15,172 | €25,782 | €19,202 | ▼ 25.5% |
| Suppliers440/4 | - | €17,041 | €15,172 | €25,782 | €19,202 | ▼ 25.5% |
| Taxes, remuneration and social security45 | - | €14,455 | €3,096 | €15,615 | €35,367 | ▲ 126% |
| Taxes450/3 | - | €9,700 | - | €8,887 | €19,318 | ▲ 117% |
| Remuneration and social security454/9 | - | €4,754 | €3,096 | €6,728 | €16,049 | ▲ 139% |
| Other amounts payable47/48 | - | €3,041 | €2,770 | - | €30,600 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€32,974 | €4,264 | €27,909 | €51,244 | €34,677 | ▼ 32.3% |
| + Depreciation and write-downs630 | - | - | €241 | €297 | €297 | = |
| Operating cash flow (approximation) | -€32,974 | €4,264 | €28,150 | €51,541 | €34,974 | ▼ 32.1% |
| Investment in fixed assets (approximation) | - | €0 | -€1,486 | €0 | €0 | - |
| Change in cash | - | -€525 | €13,202 | -€6,741 | -€75 | ▲ 98.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €51,244 ▲83.6%
Operating result €51,744, net result €51,244, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.24 to 2.66; short-term debt falls from €34,536 to €21,038.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4,264
Net result €4,264 after one loss-making year.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
31-12
Financial
Weakest financial yearnet -€32,974
Net result drops to -€32,974, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
2016
08-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Brussel · 2 establishment units since 2003
Ground area
128 m²
Building footprint
93 m²
Volume, LiDAR
1,296 m³
2 parcels, Brussels · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
DISSO
since 20032.132.403.854
CORNER SHOP
since 20222.331.315.816
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B1100/00A000 | Brussels | 78 m² | 1 · 44 m² | 16.7 m · 4 fl. |
| 21004A0967/00C000 | Brussels | 50 m² | 1 · 50 m² | 17.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
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
2 sitesBrussel2.132.403.854
Brussel2.331.315.816
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Of 1,395 companies in sector 47784 we hold annual accounts for 428. 295 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-05-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47784Retail sale of souvenirs and religious articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480205428
Also
9925:BE0480205428
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.