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 Checked

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 ~11.8% 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 5 annual accounts.

Key figures

Equity	€1.35M
Net result	€53k
Staff (FTE)	2.9
Better than sector	95%

Financial profile 5 of 5 axes measured · computed by Checked

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) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 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 Flags0 events

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 FY 2025 · computed

86 / 100 Excellent

050100

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 2021

100 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 overview34 NBB filings

Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Gross margin: stable across 5 fiscal years (±0.5%/year).

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%	better than 95% of 9900 sector peers
Net result	€53k	€31k	better than 60% of 9895 sector peers
Equity	€1.35M	€261k	better than 91% of 9909 sector peers
Gross operating margin	€273k	€227k	better than 56% of 9875 sector peers
Staff costs	€168k	€159k	higher than 52% of 7511 sector peers

EBITDA

€103k

-40.8% 21-25

Net profit

€53k

-61.0% 21-25

Cash flow

€58k

-59.0% 21-25

Total assets

€1.50M

+4.7% 21-25

Equity

€1.35M

+4.1% 21-25

Working capital

€1.34M

+4.2% 21-25

Employees (FTE)

3

-23.7% 21-25

Staff costs

€168k

-20.8% 21-25

Income taxes

€64k

+17.7% 21-25

Debt

€146k

+11.0% 21-25

Debt ≤ 1y

€146k

+11.2% 21-25

Current ratio

10.23

-5.8% 21-25

Quick ratio

8.73

+2.6% 21-25

Solvency

90.3%

-0.6% 21-25

Debt / equity

0.11

+6.6% 21-25

ROE

3.9%

-62.6% 21-25

ROA

3.6%

-62.8% 21-25

Interest coverage

25.99

-45.5% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	full schema	full schema	full schema	full schema
Revenue	-	-	-	-	-
EBITDA	€103k	€174k	€180k	€210k	€140k
Net profit	€53k	€137k	€122k	€181k	€106k
Cash flow	€58k	€141k	€126k	€186k	€111k
Staff costs	€168k	€213k	€254k	€147k	€174k
Income taxes	€64k	€55k	€65k	€29k	€40k
Dividends	-	-	-	-	-
Total assets	€1.50M	€1.43M	€1.33M	€1.16M	€972k
Equity	€1.35M	€1.30M	€1.16M	€1.04M	€858k
Debt	€146k	€131k	€167k	€117k	€114k
of which ≤ 1y	€146k	€131k	€166k	€116k	€113k
of which > 1y	-	-	-	-	-
Working capital	€1.34M	€1.29M	€1.15M	€1.02M	€838k
Employees (FTE)	2.9	3.8	5.7	3.4	4.6

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	2021
Current ratio	10.23	10.85	7.91	9.82	8.44
Quick ratio	8.73	8.51	6.65	8.41	6.67
Working capital ratio	89.8%	90.3%	86.6%	88.5%	86.2%
Solvency	90.3%	90.8%	87.4%	89.9%	88.3%
Debt / equity	0.11	0.10	0.14	0.11	0.13
Long-term debt ratio	-	-	-	-	-
Interest coverage	25.99	47.66	48.76	35.00	41.37
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	3.6%	9.6%	9.2%	15.7%	10.9%
ROE	3.9%	10.5%	10.5%	17.4%	12.4%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €7k · 0.4% Current assets €1.49M · 99.6%

Equity & liabilities

Equity €1.35M · 90.3% Debt €146k · 9.7%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.50M	€1.43M	€1.33M	€1.16M	€972k
Fixed assets	21/28	€7k	€8k	€12k	€17k	€21k
Tangible fixed assets	22/27	€6k	€7k	€12k	€16k	€20k
Financial fixed assets	28	€470	€470	€470	€470	€470
Current assets	29/58	€1.49M	€1.42M	€1.32M	€1.14M	€951k
Stocks & contracts in progress	3	€219k	€307k	€209k	€164k	€199k
Amounts receivable within one year	40/41	€57k	€6k	€15k	€16k	€16k
Investments	50/53	-	-	-	-	€98k
Cash & bank	54/58	€1.21M	€1.11M	€1.09M	€958k	€637k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.50M	€1.43M	€1.33M	€1.16M	€972k
Equity	10/15	€1.35M	€1.30M	€1.16M	€1.04M	€858k
Contributions / capital	10/11	€379k	€379k	€379k	€379k	€379k
Reserves	13	€325k	€272k	€16k	€16k	€16k
Accumulated profits (losses)	14	€647k	€647k	€766k	€644k	€463k
Amounts payable	17/49	€146k	€131k	€167k	€117k	€114k
Amounts payable within one year	42/48	€146k	€131k	€166k	€116k	€113k
Trade debts payable within one year	44	€67k	€50k	€61k	€41k	€53k
Income statement
Gross operating margin	9900	€273k	€388k	€436k	€360k	€316k
Operating result	9901	€98k	€169k	€176k	€206k	€136k
Financial income	75	€23k	€26k	€15k	€11k	€14k
Financial charges	65	€4k	€4k	€4k	€6k	€3k
Result before taxes	9903	€118k	€191k	€187k	€211k	€147k
Income taxes	67/77	€64k	€55k	€65k	€29k	€40k
Net result for the period	9904	€53k	€137k	€122k	€181k	€106k
Result to be appropriated	9905	€53k	€137k	€122k	€181k	€106k

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 1 location

CACHEMIRE COTON ET SOIE

Franz Merjaystraat 53, 1050 ElseneAir transport

since 20002.053.536.520

Real-estate footprint Source: CBE × cadastre

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 11 events

All 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

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

31-12

Financial Highest result since 2021net €181k ▲70.3%

Operating result €206k, net result €181k, both a record.

31-12

Financial Equity above €1MEq €1.04M ▲21.1%

2 profitable years in a row build equity to €1.04M.

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 0 of 2 acts read

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 1 acts

All acts · 1 updated 2 years ago

2023

01-12-2023 Change in the board of directors Director changes·Olivier DUBUISSON

Notary: Olivier DUBUISSON · Ixelles

Original publication ↗

Technical details

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  "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 verdict per customer and amount

Company registry (CBE) Crossroads Bank

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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