Checked.be
Active
BE 0444.473.301Private limited company
PRO-FIL DIFFUSION
Franz Merjaystraat 53 ·1050 Elsene, Belgium· 35 yrs active
Sector: Retail sale of household textiles and bedding
(47512)
Conclusion
PRO-FIL DIFFUSION has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.35M and a net result of €53k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 9900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €1.35M |
| Net result | €53k |
| Staff (FTE) | 2.9 |
| Better than sector | 95% |
Financial profile
72
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
20
Solvency
100
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1991, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€120k
estimate, not credit advice
Score history
93
2022
93
2023
100
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 10.23 (≥ 1.5)
+10
Quick ratio
Quick ratio 8.73 (≥ 1.0)
+5
Leverage
Debt/equity 0.11 (< 1.0)
+10
Profitability
ROE 4%
+3
Interest coverage
Interest coverage 26.0× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~10.4%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 90.3% | 37.6% | |
| Net result | €53k | €31k | |
| Equity | €1.35M | €261k | |
| Gross operating margin | €273k | €227k | |
| Staff costs | €168k | €159k |
€103k
-40.8%
22-25
€53k
-61.0%
22-25
€58k
-59.0%
22-25
€1.50M
+4.7%
22-25
€1.35M
+4.1%
22-25
€1.34M
+4.2%
22-25
3
-23.7%
22-25
€168k
-20.8%
22-25
€64k
+17.7%
22-25
€146k
+11.0%
22-25
€146k
+11.2%
22-25
10.23
-5.8%
22-25
8.73
+2.6%
22-25
90.3%
-0.6%
22-25
0.11
+6.6%
22-25
3.9%
-62.6%
22-25
3.6%
-62.8%
22-25
25.99
-45.5%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | full schema | full schema | full schema |
| Revenue | - | - | - | - |
| EBITDA | €103k | €174k | €180k | €210k |
| Net profit | €53k | €137k | €122k | €181k |
| Cash flow | €58k | €141k | €126k | €186k |
| Staff costs | €168k | €213k | €254k | €147k |
| Income taxes | €64k | €55k | €65k | €29k |
| Dividends | - | - | - | - |
| Total assets | €1.50M | €1.43M | €1.33M | €1.16M |
| Equity | €1.35M | €1.30M | €1.16M | €1.04M |
| Debt | €146k | €131k | €167k | €117k |
| of which ≤ 1y | €146k | €131k | €166k | €116k |
| of which > 1y | - | - | - | - |
| Working capital | €1.34M | €1.29M | €1.15M | €1.02M |
| Employees (FTE) | 2.9 | 3.8 | 5.7 | 3.4 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 10.23 | 10.85 | 7.91 | 9.82 |
| Quick ratio | 8.73 | 8.51 | 6.65 | 8.41 |
| Working capital ratio | 89.8% | 90.3% | 86.6% | 88.5% |
| Solvency | 90.3% | 90.8% | 87.4% | 89.9% |
| Debt / equity | 0.11 | 0.10 | 0.14 | 0.11 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 25.99 | 47.66 | 48.76 | 35.00 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 3.6% | 9.6% | 9.2% | 15.7% |
| ROE | 3.9% | 10.5% | 10.5% | 17.4% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €1.50M | €1.43M | €1.33M | €1.16M |
| Fixed assets | 21/28 | €7k | €8k | €12k | €17k |
| Tangible fixed assets | 22/27 | €6k | €7k | €12k | €16k |
| Financial fixed assets | 28 | €470 | €470 | €470 | €470 |
| Current assets | 29/58 | €1.49M | €1.42M | €1.32M | €1.14M |
| Stocks & contracts in progress | 3 | €219k | €307k | €209k | €164k |
| Amounts receivable within one year | 40/41 | €57k | €6k | €15k | €16k |
| Cash & bank | 54/58 | €1.21M | €1.11M | €1.09M | €958k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.50M | €1.43M | €1.33M | €1.16M |
| Equity | 10/15 | €1.35M | €1.30M | €1.16M | €1.04M |
| Contributions / capital | 10/11 | €379k | €379k | €379k | €379k |
| Reserves | 13 | €325k | €272k | €16k | €16k |
| Accumulated profits (losses) | 14 | €647k | €647k | €766k | €644k |
| Amounts payable | 17/49 | €146k | €131k | €167k | €117k |
| Amounts payable within one year | 42/48 | €146k | €131k | €166k | €116k |
| Trade debts payable within one year | 44 | €67k | €50k | €61k | €41k |
| Income statement | |||||
| Gross operating margin | 9900 | €273k | €388k | €436k | €360k |
| Operating result | 9901 | €98k | €169k | €176k | €206k |
| Financial income | 75 | €23k | €26k | €15k | €11k |
| Financial charges | 65 | €4k | €4k | €4k | €6k |
| Result before taxes | 9903 | €118k | €191k | €187k | €211k |
| Income taxes | 67/77 | €64k | €55k | €65k | €29k |
| Net result for the period | 9904 | €53k | €137k | €122k | €181k |
| Result to be appropriated | 9905 | €53k | €137k | €122k | €181k |
Legal Structure
| NACE primary | Retail sale of household textiles and bedding(47512) |
| Legal form | Private limited company(610) |
| Incorporation | 25-06-1991 |
| Status | Active |
| Postal code | 1050 |
Establishment units
CACHEMIRE COTON ET SOIE
since 20002.053.536.520
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0306/00N042 | Brussels | 164 m² | 1 · 65 m² | 13.3 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €53k ▼61%
Net result drops to €53k, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
01-12
State Gazette act
Director changes
Olivier DUBUISSON
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 27 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2023
01-12-2023 Change in the board of directors
Notary:
Olivier DUBUISSON · Ixelles
Technical details
{
"events": [],
"notary": {
"name": "Olivier DUBUISSON",
"firm_city": null,
"firm_name": null,
"office_city": "Ixelles",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2023-12-01",
"filing_date": "2023-11-29",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2023-11-20",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0444.473.301",
"name_full": "PRO-FIL DIFFUSION",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Olivier DUBUISSON",
"org_rep_person_name": null,
"person_role_at_subject": "notaire"
},
"co_filed_documents": [
"exp\u00E9dition de l\u0027acte",
"statuts coordonn\u00E9s"
],
"corrected_publication_numac": null
}Credit advice
Company registry (CBE)
Activities
Retail sale of household textiles and bedding47512Retail sale of women's outerwear477115241052423Other non-specialised retail sale47120Retail trade47910
Names & trade names
| Legal nameFR | PRO-FIL DIFFUSION |
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