DICA TOITURES - MENUISERIES
ActiveSummary
DICA TOITURES - MENUISERIES has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €-47k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-60
Solvency50▼-22
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.14 against 1.24 in 2024; short-term debt: 45.4% and cash: 2.8% of total assets), and 75.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.9%
Return on assets
-9.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-47k
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
41 d late
2024
43 d early
2023
61 d early
2022
40 d early
2021
62 d early
2020
61 d early
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-47k▼ 759%
2024 · €-5k
2018: €8k
2019: €4k
2020: €7k
2021: €-11k
2022: €36k
2023: €45k
2024: €-5k
2018 → 2025
Working capital
€30k▼ 33.9%
2024 · €46k
2018: €51k
2019: €51k
2020: €24k
2021: €16k
2022: €43k
2023: €45k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€131k▲ 34.9%€175k▲ 33.4%€170k▼ 3.1%€123k▼ 27.7%
Operating result€-11k-€51k€69k▲ 35.2%€6k▼ 91.4%€-40k
Net result€-11k-€36k€45k▲ 27.9%€-5k€-47k▼ 759%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €40k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€238k ▲ 90.9%
Current assets
€253k ▲ 8.2%
Equity and liabilities €492k
Equity
€123k ▼ 27.7%
Debt
€369k ▲ 94.7%
Debt's share of the balance-sheet total rises from 52.8% to 75.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▼
2024 · €43k
Cash flow
€-10k▼
2024 · €32k
Current ratio
1.14▼
2024 · 1.24
Quick ratio
1.13▼
2024 · 1.14
Debt to equity
3.01▲
2024 · 1.12
ROE
-38.2%▼
2024 · -3.2%
ROA
-9.5%▼
2024 · -1.5%
Interest coverage
-0.38▼
2024 · 33.67
Debt ≤ 1 year
€223k▲
2024 · €188k
Debt > 1 year
€146k
Income taxes
€132▼
2024 · €3k
Staff costs
€247k▲
2024 · €105k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€359k€492k▲
Fixed assets21/28€125k€238k▲
Intangible fixed assets21-€47k
Tangible fixed assets22/27€125k€191k▲
Land and buildings22€46k€42k▼
Plant, machinery and equipment23€3k-
Furniture and vehicles24€66k€148k▲
Other tangible fixed assets26€10k-
Current assets29/58€234k€253k▲
Stocks and contracts in progress3€19k€2k▼
Stocks30/36€19k€2k▼
Amounts receivable within one year40/41€26k€238k▲
Trade receivables40€12k€129k▲
Other amounts receivable41€15k€109k▲
Cash at bank and in hand54/58€186k€14k▼
Deferred charges and accrued income490/1€3k€59▼
Equity and liabilities
Total equity and liabilities10/49€359k€492k▲
Equity10/15€170k€123k▼
Contributions10/11€23k€23k=
Reserves13€147k€104k▼
Distributable reserves133€147k€104k▼
Profit (loss) carried forward14-€-4k
Amounts payable17/49€189k€369k▲
Amounts payable after more than one year17-€146k
Financial debts170/4-€146k
Amounts payable within one year42/48€188k€223k▲
Current portion of amounts payable after more than one year42€36k€50k▲
Trade debts44€60k€108k▲
Suppliers440/4€60k€108k▲
Advances received on contracts in progress46€75k€12k▼
Taxes, remuneration and social security45€17k€25k▲
Taxes450/3€3k-
Remuneration and social security454/9€14k€25k▲
Other amounts payable47/48€747€28k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Non-recurring operating income76A€5k-
Remuneration, social security and pensions62€105k€247k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k▲
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A-€35k
Gross operating margin9900€152k€283k▲
Operating profit (loss)9901€6k€-40k▼
Financial income75/76B€2k€722▼
Recurring financial income75€2k€722▼
Non-recurring financial income76B€395-
Financial charges65/66B€10k€7k▼
Recurring financial charges65€1k€7k▲
Non-recurring financial charges66B€9k-
Profit (loss) for the period before taxes9903€-2k€-47k▼
Income taxes67/77€3k€132▼
Profit (loss) for the period9904€-5k€-47k▼
Profit (loss) for the period to be appropriated9905€-5k€-47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-47k▼
Profit (loss) brought forward from the previous period14P€48-
Transfer from equity791/2€5k€43k▲
Social balance
Average headcount (FTE)90872.24.4▲
The notes to these accounts (17 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 41 days late
2025
31-12
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €45k ▲27.9%
Operating result €69k, net result €45k, both a record.
31-12
Financial
Equity above €150kEq €175k ▲33.4%
2 profitable years in a row build equity to €175k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Equity above €100kEq €131k ▲34.9%
Equity rises from €97k to €131k.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Equity above €100kEq €101k ▲4.4%
2 profitable years in a row build equity to €101k.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oupeye · 1 establishment unit since 1997
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.
Voie du Tram 84682 OupeyeGround area
1,959 m²
Building footprint
206 m²
Volume, LiDAR
618 m³
2 parcels, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Liège 34, 4041 Herstal
since 19972.081.966.923
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62112B0612/00H000 | Wallonia | 1,108 m² | 1 · 115 m² | 7.2 m · 2 fl. |
| 62052B0138/00V000 | Wallonia | 851 m² | 1 · 91 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Nelis Tom
BE 0811.930.481
Zele · Eq €122,659
Ets JMG
BE 0743.421.559
Dinant · Eq €122,689
TELLIER TOITURES
BE 0748.803.475
Ham-sur-Heure-Nalinnes · Eq €122,339
DE COSTER RONALD
BE 0862.876.861
Balen · Eq €122,976
Dakwerken Fernandez Lopez
BE 0777.975.632
Beveren-Kruibeke-Zwijndrecht · Eq €123,088
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,792 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-1997
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43410Roofing work
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.