DYBA
ActiveThe file of DYBA contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 1.4% (low). The 2024 annual accounts show equity of €37,949 and a net result of €19,500. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 23% of 15872 sector peers (fiscal year 2024).
Checked score
Score 2024
Axes · tick = 2023
Profitability70▲+1
Solvency27=
Growth78▲+26
Track record85
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.02 against 1.01 in 2023; short-term debt: 97.5% and cash: 0% of total assets), and 97.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 15872 sector peers (2024).
NBB · sector comparisonPosition among 15872 sector peers
Solvency
better than 23%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-02-2026, 209 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
209 d late
2023
573 d late
2022
939 d late
2021
261 d late
2020
107 d late
2018
5 d early
← 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 347 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€37,949▲ 106%
2023 · €18,449
Total assets
€1.5m▲ 32.5%
2023 · €1.2m
Net result
€19,500▲ 4,061%
2023 · €469
Working capital
€32,814▲ 177%
2023 · €11,866
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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
Operating result€10,101-€2,544▼ 74.8%€3,725▲ 46.4%€793▼ 78.7%€25,381▲ 3,100%
Net result€9,953within the sector's middle half-€2,541within the sector's middle half▼ 74.5%€3,172within the sector's middle half▲ 24.8%€469within the sector's middle half▼ 85.2%€19,500within the sector's middle half▲ 4,061%
Equity€12,268within the sector's middle half-€14,809within the sector's middle half▲ 20.7%€17,980within the sector's middle half▲ 21.4%€18,449within the sector's middle half▲ 2.6%€37,949within the sector's middle half▲ 106%
Total assets€489,842above the sector's middle half-€851,121above the sector's middle half▲ 73.8%€803,853above the sector's middle half▼ 5.6%€1.2mabove the sector's middle half▲ 44.2%€1.5mabove the sector's middle half▲ 32.5%
Debt€477,574-€836,312▲ 75.1%€785,873▼ 6.0%€1.1m▲ 45.1%€1.5m▲ 31.4%
Working capital-€414within the sector's middle half-€3,031within the sector's middle half€9,949within the sector's middle half▲ 228%€11,866within the sector's middle half▲ 19.3%€32,814within the sector's middle half▲ 177%
Solvency2.5%below the sector's middle half-1.7%below the sector's middle half▼ 0.8pp2.2%below the sector's middle half▲ 0.5pp1.6%below the sector's middle half▼ 0.6pp2.5%below the sector's middle half▲ 0.9pp
Current ratio1.00within the sector's middle half-1.00within the sector's middle half=1.01within the sector's middle half▲ 0.011.01within the sector's middle half=1.02within the sector's middle half▲ 0.01
Return on assets (ROA)2.0%within the sector's middle half-0.3%within the sector's middle half▼ 1.7pp0.4%within the sector's middle half▲ 0.1pp0.0%within the sector's middle half▼ 0.4pp1.3%within the sector's middle half▲ 1.2pp
Staff (FTE)1within the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 3,100% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.5m
Fixed assets
€5,136 ▼ 22.0%
Current assets
€1.5m ▲ 32.8%
Equity and liabilities €1.5m
Equity
€37,949 ▲ 106%
Debt
€1.5m ▲ 31.4%
Debt's share of the balance-sheet total falls from 98.4% to 97.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26,829▲
2023 · €2,241
Cash flow
€20,948▲
2023 · €1,916
Quick ratio
0.57▲
2023 · 0.45
Debt to equity
39.48▼
2023 · 61.83
ROE
51.4%▲
2023 · 2.5%
Interest coverage
59.19▲
2023 · 14.56
Debt ≤ 1 year
€1.5m▲
2023 · €1.1m
Income taxes
€5,436▲
2023 · €171
Staff costs
€1,632▼
2023 · €40,819
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,599 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
1.6%
went bankrupt
1.7%
stopped otherwise
96%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 1,599 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €4,952 | - | - | - |
| Remuneration, social security and pensions62 | - | €53,503 | €79,451 | €40,819 | €1,632 | ▼ 96.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,925 | €3,105 | €1,006 | €1,448 | €1,448 | = |
| Other operating charges640/8 | - | €2,220 | - | - | - | - |
| Gross operating margin9900 | €35,043 | €61,371 | €84,182 | €43,060 | €28,461 | ▼ 33.9% |
| Operating profit (loss)9901 | €10,101 | €2,544 | €3,725 | €793 | €25,381 | ▲ 3,100% |
| Financial income75/76B | - | €215 | €0 | - | €9 | - |
| Recurring financial income75 | - | €215 | €0 | - | €9 | - |
| Financial charges65/66B | - | €218 | €160 | €154 | €453 | ▲ 194% |
| Recurring financial charges65 | €148 | €218 | €160 | €154 | €453 | ▲ 194% |
| Profit (loss) for the period before taxes9903 | €9,953 | €2,541 | €3,565 | €639 | €24,937 | ▲ 3,801% |
| Income taxes67/77 | - | - | €393 | €171 | €5,436 | ▲ 3,087% |
| Profit (loss) for the period9904 | €9,953 | €2,541 | €3,172 | €469 | €19,500 | ▲ 4,061% |
| Profit (loss) for the period to be appropriated9905 | €9,953 | €2,541 | €3,172 | €469 | €19,500 | ▲ 4,061% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €489,842 | €851,121 | €803,853 | €1.2m | €1.5m | ▲ 32.5% |
| Fixed assets21/28 | €12,682 | €11,778 | €8,031 | €6,583 | €5,136 | ▼ 22.0% |
| Tangible fixed assets22/27 | €11,682 | €10,778 | €7,031 | €5,583 | €4,136 | ▼ 25.9% |
| Furniture and vehicles24 | - | €8,605 | €3,435 | €2,378 | €1,320 | ▼ 44.5% |
| Other tangible fixed assets26 | - | €2,173 | €3,596 | €3,206 | €2,816 | ▼ 12.2% |
| Financial fixed assets28 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Current assets29/58 | €477,160 | €839,343 | €795,822 | €1.2m | €1.5m | ▲ 32.8% |
| Stocks and contracts in progress3 | €397,280 | €637,280 | €652,300 | €641,300 | €673,800 | ▲ 5.1% |
| Stocks30/36 | - | €637,280 | €652,300 | €641,300 | €673,800 | ▲ 5.1% |
| Amounts receivable within one year40/41 | €69,214 | €196,926 | €142,487 | €511,027 | €856,901 | ▲ 67.7% |
| Trade receivables40 | - | €196,926 | €141,865 | €502,054 | €841,389 | ▲ 67.6% |
| Other amounts receivable41 | - | - | €623 | €8,973 | €15,512 | ▲ 72.9% |
| Cash at bank and in hand54/58 | €10,667 | €5,137 | €1,035 | €195 | €386 | ▲ 98.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €489,842 | €851,121 | €803,853 | €1.2m | €1.5m | ▲ 32.5% |
| Equity10/15 | €12,268 | €14,809 | €17,980 | €18,449 | €37,949 | ▲ 106% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | -€132 | €2,409 | €5,580 | €6,049 | €25,549 | ▲ 322% |
| Amounts payable17/49 | €477,574 | €836,312 | €785,873 | €1.1m | €1.5m | ▲ 31.4% |
| Amounts payable within one year42/48 | €477,574 | €836,312 | €785,873 | €1.1m | €1.5m | ▲ 31.4% |
| Trade debts44 | €113,742 | €359,675 | €297,329 | €397,497 | €518,527 | ▲ 30.4% |
| Suppliers440/4 | - | €359,675 | €297,329 | €397,497 | €518,527 | ▲ 30.4% |
| Advances received on contracts in progress46 | - | €77,276 | €79,242 | €308,039 | €533,924 | ▲ 73.3% |
| Taxes, remuneration and social security45 | - | €73,851 | €216,796 | €52,458 | €68,526 | ▲ 30.6% |
| Taxes450/3 | - | €8,824 | €15,330 | €10,982 | €17,763 | ▲ 61.7% |
| Remuneration and social security454/9 | - | €65,026 | €201,465 | €41,476 | €50,764 | ▲ 22.4% |
| Other amounts payable47/48 | - | €325,511 | €192,506 | €382,662 | €377,296 | ▼ 1.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,953 | €2,541 | €3,172 | €469 | €19,500 | ▲ 4,061% |
| + Depreciation and write-downs630 | €1,925 | €3,105 | €1,006 | €1,448 | €1,448 | = |
| Operating cash flow (approximation) | €11,878 | €5,645 | €4,178 | €1,916 | €20,948 | ▲ 993% |
| Investment in fixed assets (approximation) | - | -€2,200 | €2,740 | €0 | €0 | - |
| Change in cash | - | -€5,530 | -€4,102 | -€840 | €191 | ▲ 123% |
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
2026
01-06
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Brussel · event 22-05-2026
02-03
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · event 24-02-2026
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 209 days late
24-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 573 days late
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 939 days late
2024
31-12
Financial
Highest result since 2018net €19,500 ▲4,061%
Operating result €25,381, net result €19,500, both a record.
2023
31-12
Financial
Weakest financial yearnet €469 ▼85.2%
Net result drops to €469, the lowest in the series; recovery starts the following year.
18-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 261 days late
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Anderlecht · 1 establishment unit since 2017
Ground area
171 m²
Building footprint
84 m²
Volume, LiDAR
1,713 m³
Parcel 21305B0204/00B034, Brussels · tallest building 24.6 m, ±7 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
DYBA
since 20172.260.865.805
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0204/00B034 | Brussels | 171 m² | 1 · 84 m² | 24.6 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | Jos MOMBAERS LAKENSESTRAAT 154 B11,
1000 BRUSSEL 1 |
24-02-2026 → 22-05-2026 |
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnderlecht2.260.865.805
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Of 235 companies in sector 46419 we hold annual accounts for 130. 93 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 (pre-2019)
Founded24-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46419Wholesale trade
46412Wholesale of household textiles and bedding
46424Wholesale trade
46442Wholesale trade
46450Wholesale of perfume and cosmetics
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0669937923
Also
9925:BE0669937923
Registered
01-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.