DITO
ActiveSummary
DITO has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €-9k. Equity is shrinking by ~28.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 44% of 830 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+30
Solvency53▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.53 in 2024; short-term debt: 38.5% and cash: 4.2% of total assets), but 71.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 41
Relative position
BE, all sectors
reference
Sector 41
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
28.2%
Return on assets
-3.3%
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 €-9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
28 d late
2023
5 d late
2022
26 d late
2021
26 d late
2020
44 d late
2019
10 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-9k▲ 91.6%
2024 · €-110k
2018: €13k
2019: €-89k
2020: €-229k
2021: €716
2022: €104k
2023: €27k
2024: €-110k
2018 → 2025
Working capital
€65k▼ 9.2%
2024 · €71k
2018: €378k
2019: €253k
2020: €34k
2021: €31k
2022: €140k
2023: €174k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€170k▲ 158%€198k▲ 16.0%€88k▼ 55.6%€78k▼ 10.5%
Operating result€8k-€109k▲ 1,292%€31k▼ 71.7%€-103k€-2k▲ 98.5%
Net result€716-€104k▲ 14,453%€27k▼ 73.8%€-110k€-9k▲ 91.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €103k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€106k ▼ 10.7%
Current assets
€172k ▼ 16.7%
Equity and liabilities €278k
Equity
€78k ▼ 10.5%
Debt
€200k ▼ 16.0%
Debt's share of the balance-sheet total falls from 73.0% to 71.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €-85k
Cash flow
€6k▲
2024 · €-91k
Current ratio
1.61▲
2024 · 1.53
Quick ratio
1.41▲
2024 · 1.36
Debt to equity
2.54▼
2024 · 2.71
ROE
-11.8%▲
2024 · -125.2%
ROA
-3.3%▲
2024 · -33.8%
Interest coverage
1.84▲
2024 · -13.86
Debt ≤ 1 year
€107k▼
2024 · €135k
Debt > 1 year
€93k▼
2024 · €103k
Income taxes
€234▼
2024 · €238
Staff costs
€147k▼
2024 · €178k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€325k€278k▼
Fixed assets21/28€119k€106k▼
Tangible fixed assets22/27€118k€105k▼
Land and buildings22€112k€100k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€892€892=
Current assets29/58€206k€172k▼
Stocks and contracts in progress3€22k€21k▼
Stocks30/36€22k€21k▼
Amounts receivable within one year40/41€174k€132k▼
Trade receivables40€146k€107k▼
Other amounts receivable41€28k€24k▼
Cash at bank and in hand54/58€4k€12k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€325k€278k▼
Equity10/15€88k€78k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€365k€365k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€363k€363k=
Profit (loss) carried forward14€-296k€-305k▼
Amounts payable17/49€237k€200k▼
Amounts payable after more than one year17€103k€93k▼
Financial debts170/4€103k€93k▼
Amounts payable within one year42/48€135k€107k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€47k-
Credit institutions430/8€47k-
Trade debts44€47k€63k▲
Suppliers440/4€47k€63k▲
Taxes, remuneration and social security45€27k€11k▼
Taxes450/3€6k€6k▼
Remuneration and social security454/9€20k€5k▼
Other amounts payable47/48€4k€22k▲
Income statement
Code20242025
Remuneration, social security and pensions62€178k€147k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€15k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€98k€164k▲
Operating profit (loss)9901€-103k€-2k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€-110k€-9k▲
Income taxes67/77€238€234▼
Profit (loss) for the period9904€-110k€-9k▲
Profit (loss) for the period to be appropriated9905€-110k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-296k€-305k▼
Profit (loss) brought forward from the previous period14P€-186k€-296k▼
Social balance
Average headcount (FTE)90872.72.3▼
The notes to these accounts (8 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 24 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 26 days late
2022
31-12
Financial
Highest result since 2018net €104k ▲14453%
Operating result €109k, net result €104k, both a record.
31-12
Financial
Equity above €150kEq €170k ▲158%
2 profitable years in a row build equity to €170k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-12
Financial
Back to profitnet €716
Net result €716 after 2 loss-making years.
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 44 days late
2020
31-12
Financial
Weakest financial yearnet €-229k
Net result drops to €-229k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 10 days late
2019
10-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 10 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Lievens-Houtem · 1 establishment unit since 1992
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.
Wittinck 14/A9520 Sint-Lievens-HoutemGround area
552 m²
Building footprint
116 m²
Volume, LiDAR
563 m³
Parcel 41063B0407/00V000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DITO
since 19922.059.236.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063B0407/00V000 | Flanders | 552 m² | 1 · 116 m² | 8.3 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
SUPREME CONSTRUCT
BE 0767.635.234
Sint-Gillis (bij-Brussel) · Eq €78,506
FREDI GROUP
BE 0816.708.029
Kontich · Eq €78,478
Bouwbedrijf Jim & Partner
BE 0897.234.855
Heusden-Zolder · Eq €78,515
LINEA TROVATA BIOCONSTRUCT
BE 0830.628.123
Lokeren · Eq €78,470
RVL-CONCEPT
BE 0809.567.146
Herstal · Eq €78,535
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,213 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
Founded06-04-1992
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.