DYBAS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.64M and a net result of €673k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 85% of 5511 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €2.64M
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 21-01-2026, 69 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
69 d early
2024
98 d late
2023
2 d early
2022
on the day
2021
29 d late
2020
on the day
2019
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close19-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.64M▲ 22.8%
2024 · €2.15M
2019: €138k
2020: €144k
2021: €145k
2022: €143k
2023: €144k
2024: €2.15M
2019 → 2025
Net result
€673k▼ 66.5%
2024 · €2.01M
2019: €15k
2020: €6k
2021: €832
2022: €-2k
2023: €269
2024: €2.01M
2019 → 2025
Total assets
€2.94M▲ 35.3%
2024 · €2.17M
2019: €6.14M
2020: €5.15M
2021: €5.13M
2022: €2.63M
2023: €2.64M
2024: €2.17M
2019 → 2025
Solvency
89.9%▼ 9.1pp
2024 · 99.0%
2019: 2.3%
2020: 2.8%
2021: 2.8%
2022: 5.5%
2023: 5.4%
2024: 99.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€143k▼ 1.3%€144k▲ 0.2%€2.15M▲ 1,399%€2.64M▲ 22.8%
Operating result€-32k-€-41k▼ 30.8%€-32k▲ 23.5%€-101k▼ 220%€-120k▼ 18.4%
Net result€832-€-2k€269€2.01M▲ 745,866%€673k▼ 66.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €120k in 2025 against €101k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.94M
Fixed assets
€104k▼ 26.1%
Current assets
€2.84M▲ 39.5%
Equity and liabilities €2.94M
Equity
€2.64M▲ 22.8%
Debt
€298k▲ 1,268%
The debt ratio rises from 1.0% to 10.1%. Equity and debt are higher.
Key figures and ratios
Solvency
89.9%▼
2024 · 99.0%
ROE
25.5%▼
2024 · 93.3%
ROA
22.9%▼
2024 · 92.4%
Debt
€298k▲
2024 · €22k
Debt ≤ 1 year
€97k▲
2024 · €22k
Debt > 1 year
€200k
Income taxes
€68k▲
2024 · €2k
Staff costs
€78k▲
2024 · €73k
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€2.17M€2.94M▲
Fixed assets21/28€140k€104k▼
Tangible fixed assets22/27€132k€95k▼
Furniture and vehicles24€132k€95k▼
Financial fixed assets28€9k€9k=
Current assets29/58€2.03M€2.84M▲
Amounts receivable after more than one year29€706k€2.70M▲
Other amounts receivable291€706k€2.70M▲
Amounts receivable within one year40/41€1.15M€2k▼
Other amounts receivable41€1.15M€2k▼
Cash at bank and in hand54/58€169k€134k▼
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€2.17M€2.94M▲
Equity10/15€2.15M€2.64M▲
Contributions10/11€20k€20k=
Reserves13€2.13M€2.62M▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€2.13M€2.62M▲
Amounts payable17/49€22k€298k▲
Amounts payable after more than one year17-€200k
Financial debts170/4-€200k
Amounts payable within one year42/48€22k€97k▲
Trade debts44€832€6k▲
Suppliers440/4€832€6k▲
Taxes, remuneration and social security45€21k€90k▲
Taxes450/3€5k€72k▲
Remuneration and social security454/9€16k€18k▲
Other amounts payable47/48€318€50▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€73k€78k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€37k▲
Other operating charges640/8€20k€12k▼
Gross operating margin9900€26k€8k▼
Operating profit (loss)9901€-101k€-120k▼
Financial income75/76B€2.11M€862k▼
Recurring financial income75€2.11M€862k▼
Financial charges65/66B€227€1k▲
Recurring financial charges65€227€1k▲
Profit (loss) for the period before taxes9903€2.01M€741k▼
Income taxes67/77€2k€68k▲
Profit (loss) for the period9904€2.01M€673k▼
Profit (loss) for the period to be appropriated9905€2.01M€673k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.01M€673k▼
Transfer to equity691/2€2.01M€673k▼
To other reserves6921€2.01M€673k▼
Social balance
Average headcount (FTE)9087-1.0
The notes to these accounts (13 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 98 days late
2024
31-08
Financial
Highest result since 2019net €2.01M ▲745866%
Net result €2.01M, the highest in the series.
31-08
Financial
Liquidity times 123current ratio 93.48
Current ratio from 0.76 to 93.48; short-term debt falls from €2.49M to €22k.
31-08
Financial
Equity above €2MEq €2.15M ▲1399%
2 profitable years in a row build equity to €2.15M.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
Financial
Back to profitnet €269
Net result €269 after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
Financial
Weakest financial yearnet €-2k ▼320%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Retie · 1 establishment unit since 2001
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.
Meidoorndreef 22470 RetieGround area
1,998 m²
Building footprint
245 m²
Volume, LiDAR
1,489 m³
Parcel 13036E0495/00L036, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
.
since 20012.158.796.267
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036E0495/00L036 | Flanders | 1,998 m² | 1 · 245 m² | 10.5 m · 2 fl. |
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.
Similar companies · same sector, comparable size
Jasi
BE 0426.023.901
Asse · Eq €2.64M
BTL Invest
BE 0730.618.846
Wielsbeke · Eq €2.64M
CARABE
BE 1005.011.258
Chaudfontaine · Eq €2.64M
UVACO
BE 0864.346.016
Nazareth-De Pinte · Eq €2.64M
HORLIMMO
BE 0465.325.034
Aubange · Eq €2.64M
Of 24,728 companies in sector 64210 we hold annual accounts for 19,759. 10,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2001
Fiscal year end31-08
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.