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D4U

Active
Private limited company (pre-2019)founded 1991active for 35 yearsSchupstraat 9/11, 2018 Antwerpen, BelgiumKBO/BCE: BE 0444.964.437

From the official registers: KBO 34 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of D4U is 4.2% (elevated). The 2025 annual accounts show negative equity (-€321,302) and a net result of -€481,309. Equity has been growing by about 13% per year since 2018. Its solvency ranks better than 8% of 9,829 sector peers (NACE 46, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 28-08-1991 Normal situation
Registered office
92 active companies are registered at this address 6 started in the 12 months before. Source: KBO register, as of 1 November 2026.
Activity
Wholesale of diamonds and other precious stones NACE 46861and 1 other
Establishment unit
2.054.764.262 2018 Antwerpen, since 24-10-1991
Financial year end
31 December
Peppol
Reachable since 01-10-2025

Board and ownership

Board
  • Claes Luk Georges CDirector · since 05-11-2018

Financial position

45 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
4.2%
Annual accounts 2025
Gross margin
-€431,648
▼ 174%
Loss
€481,309
▲ 159%
Equity
-€321,302
Total assets
€943,721
▼ 37.9%
Staff
0.7 FTE
▲ 40.0%
Turnover not published (abbreviated or micro format)
Filed on 16-10-2026, 77 days after the deadlineat the National Bank
Score breakdownraises riskLoss of €481,309, the second in a row (financial year 2025)Negative equity -€321,302lowers riskSize: 0.7 FTE, total assets €943,721Founded in 1991Show the evidence

Checked score

Score 2025
45 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 4% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Weak
Solvency 0-36
equity -34.0% of total assets
Liquidity 1-10
short-term debt 116.0% · cash 0.7%
Profitability 0-3
return on assets -51.0%
Bankruptcy probability within 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 11-2024: 0.6%lowest value 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.9%▲ +0.3 percentage points vs 06-2025 08-2025: 1.4%▲ +0.5 percentage points vs 07-2025 09-2025: 1.5%▲ +0.1 percentage points vs 08-2025 10-2025: 1.3%▼ -0.2 percentage points vs 09-2025 11-2025: 1.3%● unchanged vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.4%▲ +0.1 percentage points vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026 06-2026: 1.6%▲ +0.2 percentage points vs 05-2026 07-2026: 1.7%▲ +0.1 percentage points vs 06-2026 08-2026: 2.3%▲ +0.6 percentage points vs 07-2026 09-2026: 2.6%▲ +0.3 percentage points vs 08-2026 10-2026: 4.2%▲ +1.6 percentage points vs 09-2026highest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.86 (1.3 in 2024), below 1. Short-term debt is 116% and cash 0.7% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 6% of them on solvency, 4% on liquidity, 6% on profitability and 2% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Loss of €481,309, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€321,302
NBB · annual accounts
lowers risk · Size: 0.7 FTE, total assets €943,721
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 1991
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€321,302
raises risk · 2025 accounts filed 77 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-10-2026, 77 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.
NBB · 10 filings
Deviation from the deadline
2025
77 days late
2024
27 days late
2023
16 days early
2022
88 days late
2021
164 days late
2020
31 days late
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 57 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 October (4 of the last 5 accounts filed within 87 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€321,302 View
  • Caution: Result fell in 2025from -€186,129 to -€481,309 ▼ 159% View
  • Caution: Lower net result than 95% of companies in wholesale tradesector median €26,864 · 9,808 companies -€481,309 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€481,309 View

Comparable companies

These companies have the same main activity as D4U: wholesale of diamonds and other precious stones (NACE 46861). They are comparable in size and age: total assets between €324,000 and €3.2m, founded between 1982 and 2004.

CompanyTotal assetsGross margin
D4U Antwerpen€0.9m-€0.4m
CRYSTAL GEMS Antwerpen€0.9m-€0.3m
ABADIAM ANDRE Brussel€1.2m-€0.07m
GEM IMPEX Antwerpen€1.4m-€0.06m
DIANINE Antwerpen€1.2m-€1.0m
NAKODIAM Antwerpen€0.3m-€0.3m
SEBER CREATIONS Antwerpen€3.2m-€0.2m
Full comparison

Documents

Annual accounts at the NBB

All 34 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about D4U

What is the company number of D4U?
The company number of D4U is 0444.964.437. The VAT number is the same number with BE in front: BE 0444.964.437.
Where is D4U based?
The registered office is at Schupstraat 9/11, 2018 Antwerpen.Company details
What does D4U do?
According to the KBO register, the main activity is wholesale of diamonds and other precious stones (NACE 46861).
What is the legal form of D4U?
The legal form of D4U is Private limited company (pre-2019) (BVBA).
When was D4U founded?
D4U was founded on 28-08-1991.
Is D4U still active?
Yes, D4U is an active enterprise in the KBO register.
How many employees does D4U have?
D4U had an average of 0.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of D4U?
The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.
Is D4U profitable?
In financial year 2025, D4U made a loss of €481,309.
Where can I find the annual accounts of D4U?
D4U filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of D4U due?
D4U must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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