AADIBHAV DIAM
ActiveSummary
AADIBHAV DIAM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €-89k. Equity is shrinking by ~14.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 14% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
34
/ 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
Profitability13▲+13
Solvency30▼-6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.04 against 1.1 in 2024; short-term debt: 93.2% and cash: 5.5% of total assets), and 94.6% 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 46
Relative position
BE, all sectors
reference
Sector 46
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
5.4%
Return on assets
-4.5%
Age of the figures
15 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
19202122232425
2019 to 2025 · latest year €-89k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 8001 sector peers (2025).
NBB · sector comparisonPosition among 8001 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
63 d early
2023
41 d early
2022
8 d early
2021
4 d early
2020
19 d late
2019
64 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€8.17M
EBIT margin
1.9%
Net result
€-89k▲ 70.0%
2024 · €-296k
2019: €137k
2020: €4k
2021: €28k
2022: €4k
2023: €-262k
2024: €-296k
2019 → 2025
Working capital
€67k▼ 56.9%
2024 · €156k
2019: €1.28M
2020: €679k
2021: €686k
2022: €699k
2023: €444k
2024: €156k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€749k-€753k▲ 0.6%€491k▼ 34.9%€195k▼ 60.3%€106k▼ 45.5%
Operating result€47k-€15k▼ 67.1%€-243k€-277k▼ 13.6%€-74k▲ 73.3%
Net result€28k-€4k▼ 84.3%€-262k€-296k▼ 12.7%€-89k▲ 70.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €74k in 2025 against €277k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€67k ▼ 5.1%
Current assets
€1.91M ▲ 7.2%
Equity and liabilities €1.97M
Equity
€106k ▼ 45.5%
Debt
€1.87M ▲ 12.9%
Debt's share of the balance-sheet total rises from 89.5% to 94.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-70k▲
2024 · €-266k
Cash flow
€-85k▲
2024 · €-286k
Current ratio
1.04▼
2024 · 1.10
Quick ratio
0.85▲
2024 · 0.74
Debt to equity
17.59▲
2024 · 8.49
ROE
-83.5%▲
2024 · -151.9%
ROA
-4.5%▲
2024 · -16.0%
Interest coverage
-5.93▲
2024 · -22.47
Debt ≤ 1 year
€1.84M▲
2024 · €1.62M
Debt > 1 year
€28k▼
2024 · €31k
Income taxes
€8k▲
2024 · €7k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.85M€1.97M▲
Fixed assets21/28€70k€67k▼
Tangible fixed assets22/27€70k€67k▼
Land and buildings22€69k€66k▼
Furniture and vehicles24€2k€904▼
Current assets29/58€1.78M€1.91M▲
Stocks and contracts in progress3€574k€348k▼
Stocks30/36€574k€348k▼
Amounts receivable within one year40/41€306k€744k▲
Trade receivables40€304k€743k▲
Other amounts receivable41€2k€644▼
Current investments50/53-€707k
Cash at bank and in hand54/58€898k€108k▼
Equity and liabilities
Total equity and liabilities10/49€1.85M€1.97M▲
Equity10/15€195k€106k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€173k€84k▼
Amounts payable17/49€1.65M€1.87M▲
Amounts payable after more than one year17€31k€28k▼
Financial debts170/4€31k€28k▼
Amounts payable within one year42/48€1.62M€1.84M▲
Current portion of amounts payable after more than one year42€3k€3k▲
Financial debts43€702k€645k▼
Other loans439€702k€645k▼
Trade debts44€895k€1.15M▲
Suppliers440/4€895k€1.15M▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€19k€34k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€4k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-264k€-68k▲
Operating profit (loss)9901€-277k€-74k▲
Financial income75/76B€137€5k▲
Recurring financial income75€137€5k▲
Financial charges65/66B€12k€12k=
Recurring financial charges65€12k€12k=
Profit (loss) for the period before taxes9903€-288k€-81k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€-296k€-89k▲
Profit (loss) for the period to be appropriated9905€-296k€-89k▲
Appropriation of the result
Profit (loss) to be appropriated9906€173k€84k▼
Profit (loss) brought forward from the previous period14P€469k€173k▼
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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-296k
Net result drops to €-296k, the lowest in the series; recovery starts the following year.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
01-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Antwerpen · 1 establishment unit since 2012
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.
Hoveniersstraat 22018 AntwerpenGround area
3,604 m²
Building footprint
2,774 m²
Volume, LiDAR
71,494 m³
Parcel 11808H1178/00F008, Flanders · tallest building 45.0 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
AADIBHAV DIAM
since 20122.209.994.253
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1178/00F008 | Flanders | 3,604 m² | 1 · 2,774 m² | 45.0 m · 8 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
M&M Gems
BE 1001.884.492
Antwerpen · Eq €104,392
ALMAZ
BE 0452.157.679
Antwerpen · Eq €104,034
MOXDIAM
BE 0806.632.994
Antwerpen · Eq €102,786
ADLER R.
BE 0863.211.413
Antwerpen · Eq €109,665
RAJ GEMS
BE 0891.406.640
Antwerpen · Eq €109,807
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 362 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
Founded23-05-2012
Fiscal year end30-06
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
32121Other manufacturing
32122Other manufacturing
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.