Bo DIV'
ActiveSummary
Bo DIV' has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109,064 and a net result of €11,358. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 19% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability58▼-11
Solvency39▼-42
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.23 against 2.59 in 2024; short-term debt: 26.3% and cash: 1.6% of total assets), and 86.5% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
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
13.5%
Return on assets
1.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 31958 sector peers (2025).
NBB · sector comparisonPosition among 31958 sector peers
Solvency
better than 19%
← weakest
strongest →
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
22232425
2022 to 2025 · latest year €109,064
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 4 filingsDeviation from the deadline
2025
12 d late
2024
34 d early
2023
132 d early
2022
41 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 49 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 24 June (3 of the last 4 filed years within 49 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€109,064▲ 11.6%
2024 · €97,706
Total assets
€805,499▲ 359%
2024 · €175,377
Net result
€11,358
2024 · -€38
Working capital
-€162,318
2024 · €65,813
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€122,004-€33,039▼ 72.9%€3,471▼ 89.5%€28,760▲ 729%
Net result€95,470above the sector's middle half-€25,774within the sector's middle half▼ 73.0%-€38below the sector's middle half€11,358within the sector's middle half
Equity€96,970within the sector's middle half-€97,744within the sector's middle half▲ 0.8%€97,706within the sector's middle half=€109,064within the sector's middle half▲ 11.6%
Total assets€168,310within the sector's middle half-€144,066within the sector's middle half▼ 14.4%€175,377within the sector's middle half▲ 21.7%€805,499above the sector's middle half▲ 359%
Debt€71,340-€46,322▼ 35.1%€77,671▲ 67.7%€696,435▲ 797%
Working capital€65,405within the sector's middle half-€70,505within the sector's middle half▲ 7.8%€65,813within the sector's middle half▼ 6.7%-€162,318below the sector's middle half
Solvency57.6%within the sector's middle half-67.8%within the sector's middle half▲ 10.2pp55.7%within the sector's middle half▼ 12.1pp13.5%below the sector's middle half▼ 42.2pp
Current ratio1.94within the sector's middle half-2.58within the sector's middle half▲ 0.642.59within the sector's middle half▲ 0.010.23below the sector's middle half▼ 2.36
Return on assets (ROA)56.7%above the sector's middle half-17.9%within the sector's middle half▼ 38.8pp0.0%below the sector's middle half▼ 17.9pp1.4%below the sector's middle half▲ 1.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 729% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €805,499
Fixed assets
€755,658 ▲ 1,007%
Current assets
€49,841 ▼ 53.5%
Equity and liabilities €805,499
Equity
€109,064 ▲ 11.6%
Debt
€696,435 ▲ 797%
Debt's share of the balance-sheet total rises from 44.3% to 86.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47,605▲
2024 · €18,821
Cash flow
€30,203▲
2024 · €15,312
Debt to equity
6.39▲
2024 · 0.79
ROE
10.4%▲
2024 · 0.0%
Interest coverage
4.49▼
2024 · 11.70
Debt ≤ 1 year
€212,159▲
2024 · €41,275
Debt > 1 year
€478,646▲
2024 · €36,396
Income taxes
€6,798▲
2024 · €1,906
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,772 | €8,750 | €15,350 | €18,845 | ▲ 22.8% |
| Other operating charges640/8 | €609 | €112 | €10,540 | €433 | ▼ 95.9% |
| Non-recurring operating charges66A | €612 | - | - | - | - |
| Gross operating margin9900 | €128,997 | €41,901 | €29,361 | €48,038 | ▲ 63.6% |
| Operating profit (loss)9901 | €122,004 | €33,039 | €3,471 | €28,760 | ▲ 729% |
| Financial income75/76B | - | - | €5 | €2 | ▼ 60.0% |
| Recurring financial income75 | - | - | €5 | €2 | ▼ 60.0% |
| Financial charges65/66B | €399 | €79 | €1,608 | €10,606 | ▲ 560% |
| Recurring financial charges65 | €399 | €79 | €1,608 | €10,606 | ▲ 560% |
| Profit (loss) for the period before taxes9903 | €121,605 | €32,960 | €1,868 | €18,156 | ▲ 872% |
| Income taxes67/77 | €26,135 | €7,186 | €1,906 | €6,798 | ▲ 257% |
| Profit (loss) for the period9904 | €95,470 | €25,774 | -€38 | €11,358 | ▲ 29,989% |
| Profit (loss) for the period to be appropriated9905 | €95,470 | €25,774 | -€38 | €11,358 | ▲ 29,989% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €168,310 | €144,066 | €175,377 | €805,499 | ▲ 359% |
| Fixed assets21/28 | €33,564 | €29,005 | €68,289 | €755,658 | ▲ 1,007% |
| Tangible fixed assets22/27 | €33,564 | €28,005 | €67,289 | €54,658 | ▼ 18.8% |
| Plant, machinery and equipment23 | €3,109 | €3,446 | €2,491 | €1,536 | ▼ 38.3% |
| Furniture and vehicles24 | €30,455 | €24,559 | €64,798 | €53,122 | ▼ 18.0% |
| Financial fixed assets28 | - | €1,000 | €1,000 | €701,000 | ▲ 70,000% |
| Current assets29/58 | €134,746 | €115,061 | €107,088 | €49,841 | ▼ 53.5% |
| Amounts receivable within one year40/41 | €23,199 | €33,953 | €34,509 | €36,068 | ▲ 4.5% |
| Trade receivables40 | €23,199 | €33,953 | €34,509 | €30,279 | ▼ 12.3% |
| Other amounts receivable41 | - | - | - | €5,789 | - |
| Cash at bank and in hand54/58 | €103,462 | €72,488 | €71,730 | €13,013 | ▼ 81.9% |
| Deferred charges and accrued income490/1 | €8,085 | €8,620 | €849 | €760 | ▼ 10.5% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €168,310 | €144,066 | €175,377 | €805,499 | ▲ 359% |
| Equity10/15 | €96,970 | €97,744 | €97,706 | €109,064 | ▲ 11.6% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Profit (loss) carried forward14 | €95,470 | €96,244 | €96,206 | €107,564 | ▲ 11.8% |
| Amounts payable17/49 | €71,340 | €46,322 | €77,671 | €696,435 | ▲ 797% |
| Amounts payable after more than one year17 | - | - | €36,396 | €478,646 | ▲ 1,215% |
| Financial debts170/4 | - | - | €36,396 | €478,646 | ▲ 1,215% |
| Amounts payable within one year42/48 | €69,341 | €44,556 | €41,275 | €212,159 | ▲ 414% |
| Current portion of amounts payable after more than one year42 | - | - | €15,379 | €92,823 | ▲ 504% |
| Trade debts44 | €415 | €29 | €5,334 | €9,304 | ▲ 74.4% |
| Suppliers440/4 | €415 | €29 | €5,334 | €9,304 | ▲ 74.4% |
| Taxes, remuneration and social security45 | €35,340 | €17,157 | €18,967 | €8,705 | ▼ 54.1% |
| Taxes450/3 | €35,340 | €17,157 | €18,967 | €8,705 | ▼ 54.1% |
| Other amounts payable47/48 | €33,586 | €27,370 | €1,595 | €101,327 | ▲ 6,253% |
| Accrued charges and deferred income492/3 | €1,999 | €1,766 | - | €5,630 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95,470 | €25,774 | -€38 | €11,358 | ▲ 29,989% |
| + Depreciation and write-downs630 | €5,772 | €8,750 | €15,350 | €18,845 | ▲ 22.8% |
| Operating cash flow (approximation) | €101,242 | €34,524 | €15,312 | €30,203 | ▲ 97.3% |
| Investment in fixed assets (approximation) | - | -€4,191 | -€54,634 | -€706,214 | ▼ 1,193% |
| Change in cash | - | -€30,974 | -€758 | -€58,717 | ▼ 7,646% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Back to profitnet €11,358
Net result €11,358 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €109,064 ▲11.6%
Equity rises from €97,706 to €109,064.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€38
Net result drops to -€38, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Beaumont · 1 establishment unit since 2021
Ground area
7,086 m²
Building footprint
23 m²
Volume, LiDAR
57 m³
Parcel 56076C0378/00A000, Wallonia · tallest building 2.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bo DIV'
since 20212.323.231.162
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56076C0378/00A000 | Wallonia | 7,086 m² | 1 · 23 m² | 2.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holding · 2 subsidiaries in the treeOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
All subsidiaries, including indirect ones 2
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
IMMOBILIERE RIBOUX 100%1 subsidiary
- MENUISERIE RIBOUX 100%
According to the 2025 annual accounts of Bo DIV' and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 40,753 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0775347625
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.