D-GOLDI
ActiveSummary
D-GOLDI has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.69M and a net result of €-246k. Equity is shrinking by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-31
Solvency100=
Growth22=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
short-term debt: 0% and cash: 5% of total assets, and 6.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
93.2%
Return on assets
-13.6%
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 €-246k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
36 d early
2023
26 d late
2022
44 d late
2021
31 d late
2020
36 d early
2019
37 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 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, abbreviated schema
Turnover
€5.56M▼ 8.7%
2020 · €6.09M
2018: €37.66M
2019: €24.86M
2020: €6.09M
2018 → 2021
EBIT margin
16.5%▲ 15.0pp
2020 · 1.5%
2018: 4.1%
2019: 1.0%
2020: 1.5%
2018 → 2021
Net result
€-246k▼ 1,244%
2024 · €-18k
2018: €1.23M
2019: €26k
2020: €21k
2021: €892k
2022: €661k
2023: €-86k
2024: €-18k
2018 → 2025
Working capital
€1.81M▼ 12.0%
2024 · €2.05M
2018: €6.86M
2019: €6.92M
2020: €5.34M
2021: €6.40M
2022: €2.69M
2023: €1.95M
2024: €2.05M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€5.56M-
Equity€6.41M-€2.70M▼ 57.9%€1.95M▼ 27.7%€1.93M▼ 0.9%€1.69M▼ 12.7%
Operating result€918k-€676k▼ 26.3%€-84k€-14k▲ 83.6%€-7k▲ 47.5%
Net result€892k-€661k▼ 25.9%€-86k€-18k▲ 78.7%€-246k▼ 1,244%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €14k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€2k =
Current assets
€1.81M ▼ 12.0%
Equity and liabilities €1.81M
Equity
€1.69M ▼ 12.7%
Debt
€122k ▼ 1.4%
Debt's share of the balance-sheet total rises from 6.0% to 6.8%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.07▲
2024 · 0.06
ROE
-14.6%▼
2024 · -0.9%
ROA
-13.6%▼
2024 · -0.9%
Debt ≤ 1 year
€142▼
2024 · €908
A ratio outside any meaningful range has been withheld (balance sheet total €1.81M, equity €1.69M).
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.06M€1.81M▼
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€2.05M€1.81M▼
Amounts receivable within one year40/41€1.95M€1.72M▼
Trade receivables40€1.94M€1.72M▼
Other amounts receivable41€1k€32▼
Cash at bank and in hand54/58€108k€89k▼
Equity and liabilities
Total equity and liabilities10/49€2.06M€1.81M▼
Equity10/15€1.93M€1.69M▼
Contributions10/11€1.86M€1.86M=
Reserves13€171k€171k=
Distributable reserves133€171k€171k=
Profit (loss) carried forward14€-104k€-350k▼
Amounts payable17/49€124k€122k▼
Amounts payable within one year42/48€908€142▼
Trade debts44€908€0▼
Suppliers440/4€908€0▼
Taxes, remuneration and social security45-€142
Taxes450/3-€142
Accrued charges and deferred income492/3€123k€122k▼
Income statement
Code20242025
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-12k€-6k▲
Operating profit (loss)9901€-14k€-7k▲
Financial income75/76B€18-
Recurring financial income75€18-
Financial charges65/66B€4k€238k▲
Recurring financial charges65€4k€238k▲
Profit (loss) for the period before taxes9903€-18k€-246k▼
Income taxes67/77€5-
Profit (loss) for the period9904€-18k€-246k▼
Profit (loss) for the period to be appropriated9905€-18k€-246k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-104k€-350k▼
Profit (loss) brought forward from the previous period14P€-86k€-104k▼
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
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €-246k
Net result drops to €-246k, the lowest in the series.
31-12
Financial
Liquidity times 6current ratio 12746.74
Current ratio from 2262.90 to 12746.74; short-term debt falls from €908 to €142.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2262.90
Current ratio from 839.20 to 2262.90; short-term debt falls from €2k to €908.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Liquidity times 12current ratio 839.20
Current ratio from 68.07 to 839.20; short-term debt falls from €40k to €2k.
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 44 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 68.07
Current ratio from 26.04 to 68.07; short-term debt falls from €256k to €40k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity triplescurrent ratio 21.76
Current ratio from 7.94 to 21.76; short-term debt falls from €998k to €257k.
Show earlier events
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity triplescurrent ratio 7.94
Current ratio from 3.10 to 7.94; short-term debt falls from €3.27M to €998k.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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 1996
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 302018 AntwerpenGround area
3,046 m²
Building footprint
2,904 m²
Volume, LiDAR
74,659 m³
Parcel 11808H1178/00S008, Flanders · tallest building 46.0 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
D-GOLDI BVBA
since 19962.077.340.518
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1178/00S008 | Flanders | 3,046 m² | 1 · 2,904 m² | 46.0 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
JAPAN TRADING COMPANY
BE 0430.099.582
Antwerpen · Eq €1,689,555
DIAMOND HOUSE JEWELLERY
BE 0479.666.285
Antwerpen · Eq €1,673,399
SUNNEX
BE 0456.455.769
Antwerpen · Eq €1,703,482
AADI
BE 0837.033.289
Antwerpen · Eq €1,667,944
DIAMSTAR
BE 0417.512.150
Antwerpen · Eq €1,706,150
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 468 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
Founded19-06-1996
Fiscal year end31-12
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.