BNS DIAMONDS
ActiveSummary
BNS DIAMONDS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €128k and a net result of €3k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 17% of 9038 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability26▲+2
Solvency37▼-14
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 1.33 in 2023; short-term debt: 87.5% and cash: 6.8% of total assets), and 87.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9038 sector peers (2024).
NBB · sector comparisonPosition among 9038 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
56 d late
2022
60 d late
2021
99 d late
2020
96 d late
2019
82 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€128k▲ 2.6%
2023 · €125k
2019: €71k
2020: €75k
2021: €95k
2022: €122k
2023: €125k
2019 → 2024
Total assets
€1.03M▲ 112%
2023 · €484k
2019: €425k
2020: €624k
2021: €890k
2022: €1.00M
2023: €484k
2019 → 2024
Net result
€3k▲ 14.7%
2023 · €3k
2019: €64k
2020: €4k
2021: €20k
2022: €27k
2023: €3k
2019 → 2024
Working capital
€123k▲ 3.6%
2023 · €118k
2019: €71k
2020: €75k
2021: €95k
2022: €120k
2023: €118k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€75k-€95k▲ 26.7%€122k▲ 28.7%€125k▲ 2.3%€128k▲ 2.6%
Operating result€54k-€39k▼ 27.9%€13k▼ 66.4%€59k▲ 350%€34k▼ 42.2%
Net result€4k-€20k▲ 403%€27k▲ 36.0%€3k▼ 89.6%€3k▲ 14.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.03M
Fixed assets
€5k ▼ 17.7%
Current assets
€1.02M ▲ 114%
Equity and liabilities €1.03M
Equity
€128k ▲ 2.6%
Debt
€898k ▲ 150%
Debt's share of the balance-sheet total rises from 74.2% to 87.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35k▼
2023 · €60k
Cash flow
€4k▲
2023 · €3k
Current ratio
1.14▼
2023 · 1.33
Quick ratio
0.53▼
2023 · 0.62
Debt to equity
7.03▲
2023 · 2.88
ROE
2.5%▲
2023 · 2.3%
ROA
0.3%▼
2023 · 0.6%
Interest coverage
0.84▲
2023 · 0.52
Debt ≤ 1 year
€898k▲
2023 · €359k
Income taxes
€2k▼
2023 · €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 · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€484k€1.03M▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€477k€1.02M▲
Stocks and contracts in progress3€256k€545k▲
Stocks30/36€256k€545k▲
Amounts receivable within one year40/41€184k€406k▲
Trade receivables40€110k€319k▲
Other amounts receivable41€74k€88k▲
Cash at bank and in hand54/58€38k€70k▲
Equity and liabilities
Total equity and liabilities10/49€484k€1.03M▲
Equity10/15€125k€128k▲
Contributions10/11€6k€6k=
Reserves13€118k€122k▲
Distributable reserves133€118k€122k▲
Amounts payable17/49€359k€898k▲
Amounts payable within one year42/48€359k€898k▲
Trade debts44€359k€896k▲
Suppliers440/4€359k€896k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€619€1k▲
Other operating charges640/8€7k€961▼
Gross operating margin9900€66k€36k▼
Operating profit (loss)9901€59k€34k▼
Financial income75/76B€65k€13k▼
Recurring financial income75€65k€13k▼
Financial charges65/66B€115k€42k▼
Recurring financial charges65€115k€42k▼
Profit (loss) for the period before taxes9903€9k€5k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€3k€3k▲
Profit (loss) for the period to be appropriated9905€3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k▲
Transfer to equity691/2€3k€3k▲
To other reserves6921€3k€3k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 56 days late
2023
31-12
Financial
Weakest financial yearnet €3k ▼89.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Equity above €100kEq €122k ▲28.7%
4 profitable years in a row build equity to €122k.
07-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 99 days late
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 96 days late
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 82 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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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, Antwerpen · 1 establishment unit since 2018
Ground area
2,937 m²
Building footprint
2,012 m²
Volume, LiDAR
51,458 m³
Parcel 11808H1182/00F018, Flanders · tallest building 41.6 m, ±10 floors. Linked by address, not a title deed.
124
companies at this address
See who is registered here
1 establishment unit
BNS DIAMONDS
since 20182.278.144.671
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00F018 | Flanders | 2,937 m² | 1 · 2,012 m² | 41.6 m · 10 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Gem World
BE 0423.015.911
Antwerpen · Eq €127,477
V and V - Diamonds
BE 0455.839.919
Antwerpen · Eq €128,644
ANTWERP DIAMOND CONCIERGE
BE 0648.964.741
Antwerpen · Eq €125,862
IDEALS
BE 0469.663.805
Nijlen · Eq €125,788
JDC
BE 0833.556.731
Antwerpen · Eq €129,811
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 385 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
Founded30-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.