The computed 12-month bankruptcy probability of CERTDIAM is 12.1% (high). For CERTDIAM, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €7,912. Equity is shrinking by about 6% per year across the filed financial years. The company has been active since 2014 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry (see administrative flags).
Signalsraises risk3 changes of registered office in 24 monthsFigures for financial year 2024 (filed 02-09-2025)Ex-officio strike-off in the KBOAnnual accounts not filedAdministrative warnings in the KBO publicationslowers riskFounded in 2014neutralFiled after the deadlineShow the evidence
Bankruptcy probability
No current score
Checked score
A figure from 0 to 100: the higher it is, the smaller the chance that the company goes bankrupt within twelve months. The band, from Critical to Excellent, follows from that chance; within the band, how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Insufficient figures
A score requires measurable solvency, liquidity and profitability.
Bankruptcy probability: High
Filing: One filing cycle is missing
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. 0.2% means about 2 in 1,000 comparable companies. The higher it is, the shorter the payment term to agree.
12.1%High
0%0.5%1.5%4%10%≥ 25%
About 1 in 8 comparable companies go bankrupt within 12 months (an estimate).
Sector median 1.5% (13,400 companies, NACE 41, micro)
Last 24 months11-2024: 0.9%12-2024: 0.9%● unchanged vs 11-202401-2025: 0.9%● unchanged vs 12-2024lowest value02-2025: 0.9%● unchanged vs 01-2025lowest value03-2025: 1.2%▲ +0.3 percentage points vs 02-202504-2025: 1.3%▲ +0.1 percentage points vs 03-202505-2025: 1.4%▲ +0.1 percentage points vs 04-202506-2025: 1.4%● unchanged vs 05-202507-2025: 1.4%● unchanged vs 06-202508-2025: 4.6%▲ +3.2 percentage points vs 07-202509-2025: 5.6%▲ +1.0 percentage point vs 08-202510-2025: 2.5%▼ -3.1 percentage points vs 09-202511-2025: 2.5%● unchanged vs 10-202512-2025: 2.5%● unchanged vs 11-202501-2026: 2.5%● unchanged vs 12-202502-2026: 2.5%● unchanged vs 01-202603-2026: 2.5%● unchanged vs 02-202604-2026: 2.5%● unchanged vs 03-202605-2026: 2.5%● unchanged vs 04-202606-2026: 2.5%● unchanged vs 05-202607-2026: 2.5%● unchanged vs 06-202608-2026: 3.2%▲ +0.7 percentage points vs 07-202609-2026: 4.0%▲ +0.8 percentage points vs 08-202610-2026: 12.1%▲ +8.1 percentage points vs 09-2026highest value
31-12-2025 year end31-07-2026 deadline15-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
This company filed its last 6 accounts on average 57 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.