DIBEL

Active

Public limited companyfounded 1988active for 38 yearsKempenstraat 13, 3650 Dilsen-Stokkem, Belgium43 active companies are registered at this addressKBO/BCE: BE 0435.200.495

From the official registers: KBO 36 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

DIBEL has been active since 1988 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €493,750 and a net result of €489,432. Equity is shrinking by about 7.3% per year across the filed financial years. Its solvency ranks better than 37% of 12,737 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisFollow Report Compare

DIBELActiveChecked score 69/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 08-09-1988 Normal situation
Legal form: Public limited company
Registered office: Kempenstraat 13, 3650 Dilsen-Stokkem
Activity: Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Establishment unit: 2.040.136.563 3990 Peer, since 16-09-1988
Financial year end: 30 September
Peppol: Reachable since 17-10-2025

Company details

Who decides

Board

OrfecorpDirector · since 28-12-2022 · permanent representative Orfea Cretskens

Shareholders

and 1 other shareholder

Board & ownership

How it is doing

69 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.8%

Annual accounts to 30-09-2025

Gross margin: €1.2m; ▲ 2.1%
Turnover: ≈ €7.7m; estimated
Profit: €489,432; ▲ 15.0%
Equity: €493,750; ▲ 8.7%
Total assets: €2.0m; ▲ 2.1%
Staff: 13.7 FTE; ▲ 25.7%

2025 accounts 3 days early

Filed on 27-04-2026PDF

Financials

Why 69raises risk1 change of registered office in 24 monthsLiquidity: current ratio 1.38, cash €15,223Equity €493,750 (25.0% of total assets)Sector: Retail trade (NACE 47)Show the evidence

Checked score

Score 2025

69 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 54% of its sector peers (NACE 47, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 50+2

equity 25.0% of total assets

Liquidity 16-4

short-term debt 66.7% · cash 0.8%

Profitability 100+4

return on assets 24.8%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,694 companies, NACE 47, small)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.1%▼ -0.2 percentage points vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.5%▲ +0.4 percentage points vs 04-2025 06-2025: 0.9%▲ +0.4 percentage points vs 05-2025 07-2025: 0.9%● unchanged vs 06-2025 08-2025: 0.9%● unchanged vs 07-2025 09-2025: 0.9%● unchanged vs 08-2025 10-2025: 0.9%● unchanged vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 1.0%▲ +0.1 percentage points vs 12-2025 02-2026: 1.2%▲ +0.2 percentage points vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.7%▲ +0.5 percentage points vs 04-2026highest value 06-2026: 0.8%▼ -0.9 percentage points vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026

Credit of up to €30,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.38, compared with 1.57 in 2024, below the usual 1.5; short-term debt: 66.7% and cash: 0.8% of total assets), and 75% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 43% on solvency, 13% on liquidity, 97% on profitability and 63% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.

lowers riskraises riskneutral

1 change of registered office in 24 months

Belgian Official Gazette

Liquidity: current ratio 1.38, cash €15,223

NBB · annual accounts

Equity €493,750 (25.0% of total assets)

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

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 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €493,750

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

3 days early

2024

6 days early

2023

5 days early

2022

16 days early

2021

4 days early

2020

18 days early

2019

28 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 11 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

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 26 April (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-09-2026 year end01-11-2026 today30-04-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Positive: Among the best 5% on net resultsector median €27,659 · 12,727 companies €489,432 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Positive: 7 profitable years in a rowprofit 2025: €489,432 7 years View

Documents

Key facts about DIBEL

What is the company number of DIBEL?: 0435.200.495. In Belgium the VAT number is the company number with BE in front: BE 0435.200.495.
Where is DIBEL based?: The registered office is at Kempenstraat 13, 3650 Dilsen-Stokkem.Company details
What does DIBEL 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 DIBEL?: Public limited company (NV).
When was DIBEL founded?: On 08-09-1988.
Is DIBEL still active?: Yes, DIBEL is an active enterprise in the KBO register.
How many employees does DIBEL have?: On average 13.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of DIBEL?: ≈ €7.7m in financial year 2025. Estimated from the gross margin of €1.2m: probably between €4.7m and €9.4m, based on 30 comparable companies, NACE 471.
Is DIBEL profitable?: In financial year 2025, DIBEL made a profit of €489,432.
Where can I find the annual accounts of DIBEL?: DIBEL filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of DIBEL due?: By 30-04-2027, for financial year 2026.Timeline