DISPACK
ActiveSummary
DISPACK has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €29k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-9
Solvency61▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.86 in 2024; short-term debt: 63.8% and cash: 57.1% of total assets), and 63.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.2%
Return on assets
7.4%
Age of the figures
9 mo
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
1819202122232425
2018 to 2025 · latest year €143k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
14 d late
2023
69 d late
2022
60 d late
2021
31 d late
2020
26 d late
2019
68 d late
← 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, micro schema
Equity
€143k▲ 24.7%
2024 · €114k
2018: €96k
2019: €28k
2020: €-24k
2021: €-65k
2022: €-47k
2023: €63k
2024: €114k
2018 → 2025
Total assets
€394k▲ 12.7%
2024 · €350k
2018: €345k
2019: €234k
2020: €160k
2021: €140k
2022: €189k
2023: €347k
2024: €350k
2018 → 2025
Net result
€29k▼ 43.6%
2024 · €52k
2018: €-42k
2019: €-68k
2020: €-53k
2021: €-40k
2022: €18k
2023: €110k
2024: €52k
2018 → 2025
Working capital
€18k
2024 · €-33k
2018: €-43k
2019: €-92k
2020: €-120k
2021: €-141k
2022: €-103k
2023: €-57k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-65k-€-47k▲ 27.5%€63k€114k▲ 82.0%€143k▲ 24.7%
Operating result€-44k-€13k€79k▲ 512%€66k▼ 16.4%€49k▼ 26.1%
Net result€-40k-€18k€110k▲ 517%€52k▼ 53.0%€29k▼ 43.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €394k
Fixed assets
€125k ▼ 15.0%
Current assets
€269k ▲ 32.8%
Equity and liabilities €394k
Equity
€143k ▲ 24.7%
Debt
€252k ▲ 6.9%
Debt's share of the balance-sheet total falls from 67.3% to 63.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€88k▼
2024 · €101k
Cash flow
€68k▼
2024 · €86k
Current ratio
1.07▲
2024 · 0.86
Debt to equity
1.76▼
2024 · 2.06
ROE
20.4%▼
2024 · 45.1%
ROA
7.4%▼
2024 · 14.7%
Interest coverage
10.45▼
2024 · 18.49
Debt ≤ 1 year
€252k▲
2024 · €235k
Income taxes
€11k▲
2024 · €10k
Staff costs
€106k▲
2024 · €78k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€350k€394k▲
Fixed assets21/28€147k€125k▼
Intangible fixed assets21€27k€28k▲
Tangible fixed assets22/27€109k€87k▼
Land and buildings22€33k€22k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€69k€58k▼
Financial fixed assets28€11k€11k=
Current assets29/58€203k€269k▲
Amounts receivable within one year40/41€73k€44k▼
Trade receivables40€73k€40k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€128k€225k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€350k€394k▲
Equity10/15€114k€143k▲
Contributions10/11€19k€19k=
Reserves13€96k€124k▲
Distributable reserves133€96k€124k▲
Amounts payable17/49€235k€252k▲
Amounts payable within one year42/48€235k€252k▲
Trade debts44€8k€13k▲
Suppliers440/4€8k€11k▲
Bills of exchange payable441€684€2k▲
Advances received on contracts in progress46€43k€14k▼
Taxes, remuneration and social security45€25k€38k▲
Taxes450/3€14k€25k▲
Remuneration and social security454/9€11k€13k▲
Other amounts payable47/48€159k€187k▲
Income statement
Code20242025
Non-recurring operating income76A€4€22▲
Remuneration, social security and pensions62€78k€106k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€39k▲
Other operating charges640/8€5k€538▼
Non-recurring operating charges66A-€40
Gross operating margin9900€183k€194k▲
Operating profit (loss)9901€66k€49k▼
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Non-recurring financial charges66B€5€59▲
Profit (loss) for the period before taxes9903€61k€40k▼
Transfer from deferred taxes780€1k-
Income taxes67/77€10k€11k▲
Profit (loss) for the period9904€52k€29k▼
Transfer from tax-exempt reserves789€2k-
Profit (loss) for the period to be appropriated9905€54k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€29k▲
Profit (loss) brought forward from the previous period14P€-52k-
Transfer from equity791/2€52k-
Transfer to equity691/2€54k€28k▼
To other reserves6921€54k€28k▼
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Equity above €100kEq €114k ▲82%
3 profitable years in a row build equity to €114k.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Highest result since 2018net €110k ▲517%
Operating result €79k, net result €110k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €18k
Net result €18k after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
31-12
Financial
Weakest financial yearnet €-68k
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 41 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mechelen · 1 establishment unit since 2008
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.
Winkelstraat(LST) 362811 MechelenGround area
2,839 m²
Building footprint
133 m²
Volume, LiDAR
985 m³
Parcel 12020C0280/00N002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Winkelstraat(LST) 36, 2811 Mechelen
since 20082.170.165.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12020C0280/00N002 | Flanders | 2,838 m² | 1 · 133 m² | 10.2 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
All In Box
BE 0658.905.063
Brunehaut · Eq €130,000
FLEXIPACK
BE 0451.616.657
Asse · Eq €119,236
GOZ PACK
BE 0766.690.572
Brussel · Eq €119,014
CMA IMAGING BELGIUM
BE 0564.824.763
Braine-l'Alleud · Eq €172,923
ISH VERPAKKING
BE 1008.937.085
Sint-Niklaas · Eq €180,930
Of 192 companies in sector 46493 we hold annual accounts for 85. 62 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
Founded13-12-1994
Fiscal year end31-12
Activities, NACEBEL 2025
46493Wholesale trade
49420Removal services
46900Non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.