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DFIW

Active
Private limited company (pre-2019)founded 20188 yrs activeRue de la Procession 23 B, 1460 Ittre, BelgiumKBO/BCE: BE 0690.848.648
Summary

DFIW has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34,870 and a net result of €37,237. Equity is growing by ~19.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability71▲+4
Solvency28▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.79 in 2024; short-term debt: 32.2% and cash: 0.8% of total assets), and 96.6% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
3.4%
Return on assets
3.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 8 years 0 10 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 8 filings
Deviation from the deadline
2025
17 d late
2024
71 d late
2023
2 d late
2022
59 d late
2021
114 d late
2020
276 d late
2019
38 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 72 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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.
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

DFIW was incorporated on 22 February 2018.1 Total assets went from EUR 1 million in 2018 to EUR 1 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€34,870
2024 · -€2,367
Total assets
€1.0m▼ 0.1%
2024 · €1.0m
Net result
€37,237▲ 1.6%
2024 · €36,660
Working capital
-€39,927▲ 38.9%
2024 · -€65,321
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€31,543€29,415▼ 6.7%€47,693▲ 62.1%€54,431▲ 14.1%€53,681▼ 1.4%
Net result€3,338€9,341▲ 180%€27,416▲ 194%€36,660▲ 33.7%€37,237▲ 1.6%
Equity-€75,784▲ 4.2%-€66,443▲ 12.3%-€39,027▲ 41.3%-€2,367▲ 93.9%€34,870
Total assets€941,239▼ 3.4%€921,598▼ 2.1%€962,952▲ 4.5%€1.0m▲ 5.2%€1.0m▼ 0.1%
Debt€1.0m▼ 3.4%€988,041▼ 2.8%€1.0m▲ 1.4%€1.0m▲ 1.4%€977,749▼ 3.7%
Working capital-€133,077▲ 13.4%-€125,172▲ 5.9%-€100,308▲ 19.9%-€65,321▲ 34.9%-€39,927▲ 38.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000Operating result 2021: €31,543€31,543Net result 2021: €3,338€3,338Operating result 2022: €29,415€29,415Net result 2022: €9,341€9,341Operating result 2023: €47,693€47,693Net result 2023: €27,416€27,416Operating result 2024: €54,431€54,431Net result 2024: €36,660€36,660Operating result 2025: €53,681€53,681Net result 2025: €37,237€37,23720212022202320242025€0€20,000€40,000€60,000Operating result 2023: €47,693€47,700Net result 2023: €27,416€27,400Operating result 2024: €54,431€54,400Net result 2024: €36,660€36,700Operating result 2025: €53,681€53,700Net result 2025: €37,237€37,200202320242025
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets €726,315 ▼ 5.2%
Current assets €286,303 ▲ 15.7%
Equity and liabilities €1.0m
Equity €34,870
Debt €977,749
Debt finances 96.6% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
€93,425▼
2024 · €94,174
Cash flow
€76,981▲
2024 · €76,403
Current ratio
0.88▲
2024 · 0.79
Debt to equity
28.04
ROE
106.8%
ROA
3.7%▲
2024 · 3.6%
Interest coverage
5.75▲
2024 · 5.30
Debt ≤ 1 year
€326,230▲
2024 · €312,674
Debt > 1 year
€651,519▼
2024 · €697,923
Income taxes
€210
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,599 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Small
  • 5 to 10 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
1.6% went bankrupt
1.7% stopped otherwise
96% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,599 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.0m€1.0m▼
Fixed assets21/28€766,059€726,315▼
Tangible fixed assets22/27€766,059€726,315▼
Land and buildings22€766,059€726,315▼
Current assets29/58€247,353€286,303▲
Amounts receivable within one year40/41€241,312€277,010▲
Trade receivables40€241,312€277,010▲
Cash at bank and in hand54/58€4,613€7,789▲
Deferred charges and accrued income490/1€1,428€1,505▲
Equity and liabilities
Total equity and liabilities10/49€1.0m€1.0m▼
Equity10/15-€2,367€34,870▲
Contributions10/11€18,600€18,600=
Outside capital11€18,600€18,600=
Other1109/19€18,600€18,600=
Profit (loss) carried forward14-€20,967€16,270▲
Amounts payable17/49€1.0m€977,749▼
Amounts payable after more than one year17€697,923€651,519▼
Financial debts170/4€697,923€651,519▼
Amounts payable within one year42/48€312,674€326,230▲
Current portion of amounts payable after more than one year42€46,599€51,586▲
Trade debts44-€358
Suppliers440/4-€358
Taxes, remuneration and social security45-€210
Taxes450/3-€210
Other amounts payable47/48€266,076€274,076▲
Accrued charges and deferred income492/3€5,183-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39,743€39,743=
Other operating charges640/8€8,347€8,610▲
Gross operating margin9900€102,521€102,034▼
Operating profit (loss)9901€54,431€53,681▼
Financial charges65/66B€17,771€16,234▼
Recurring financial charges65€17,771€16,234▼
Profit (loss) for the period before taxes9903€36,660€37,447▲
Income taxes67/77-€210
Profit (loss) for the period9904€36,660€37,237▲
Profit (loss) for the period to be appropriated9905€36,660€37,237▲
Appropriation of the result
Profit (loss) to be appropriated9906-€20,967€16,270▲
Profit (loss) brought forward from the previous period14P-€57,627-€20,967▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46,635€46,635€46,635€39,743€39,743=
Other operating charges640/8€7,185€7,340€8,052€8,347€8,610▲ 3.1%
Gross operating margin9900€85,363€83,389€102,380€102,521€102,034▼ 0.5%
Operating profit (loss)9901€31,543€29,415€47,693€54,431€53,681▼ 1.4%
Financial income75/76B-€1----
Recurring financial income75-€1----
Financial charges65/66B€28,205€20,025€18,899€17,771€16,234▼ 8.6%
Recurring financial charges65€28,205€20,025€18,899€17,771€16,234▼ 8.6%
Profit (loss) for the period before taxes9903€3,338€9,391€28,794€36,660€37,447▲ 2.1%
Income taxes67/77-€50€1,378-€210-
Profit (loss) for the period9904€3,338€9,341€27,416€36,660€37,237▲ 1.6%
Profit (loss) for the period to be appropriated9905€3,338€9,341€27,416€36,660€37,237▲ 1.6%
Line20212022202320242025Change
Assets
Total assets20/58€941,239€921,598€962,952€1.0m€1.0m▼ 0.1%
Fixed assets21/28€899,071€852,437€805,802€766,059€726,315▼ 5.2%
Tangible fixed assets22/27€899,071€852,437€805,802€766,059€726,315▼ 5.2%
Land and buildings22€899,071€852,437€805,802€766,059€726,315▼ 5.2%
Current assets29/58€42,167€69,162€157,150€247,353€286,303▲ 15.7%
Amounts receivable within one year40/41€32,804€65,955€152,343€241,312€277,010▲ 14.8%
Trade receivables40€32,804€65,955€152,343€241,312€277,010▲ 14.8%
Cash at bank and in hand54/58€8,260€3,206€3,485€4,613€7,789▲ 68.8%
Deferred charges and accrued income490/1€1,103-€1,322€1,428€1,505▲ 5.4%
Equity and liabilities
Total equity and liabilities10/49€941,239€921,598€962,952€1.0m€1.0m▼ 0.1%
Equity10/15-€75,784-€66,443-€39,027-€2,367€34,870▲ 1,573%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Outside capital11€18,600€18,600€18,600€18,600€18,600=
Other1109/19€18,600€18,600€18,600€18,600€18,600=
Profit (loss) carried forward14-€94,384-€85,043-€57,627-€20,967€16,270▲ 178%
Amounts payable17/49€1.0m€988,041€1.0m€1.0m€977,749▼ 3.7%
Amounts payable after more than one year17€841,778€793,708€744,521€697,923€651,519▼ 6.6%
Financial debts170/4€841,778€793,708€744,521€697,923€651,519▼ 6.6%
Amounts payable within one year42/48€175,245€194,333€257,458€312,674€326,230▲ 4.3%
Current portion of amounts payable after more than one year42€52,169€53,258€54,372€46,599€51,586▲ 10.7%
Trade debts44--€1,511-€358-
Suppliers440/4--€1,511-€358-
Taxes, remuneration and social security45----€210-
Taxes450/3----€210-
Other amounts payable47/48€123,076€141,076€201,576€266,076€274,076▲ 3.0%
Accrued charges and deferred income492/3---€5,183--
Line20212022202320242025Change
Profit (loss) for the period9904€3,338€9,341€27,416€36,660€37,237▲ 1.6%
+ Depreciation and write-downs630€46,635€46,635€46,635€39,743€39,743=
Operating cash flow (approximation)€49,973€55,975€74,051€76,403€76,981▲ 0.8%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash--€5,054€279€1,128€3,176▲ 182%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
17-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial Highest result since 2018net €37,237 ▲1.6%
Net result €37,237, the highest in the series.
10-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
02-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
28-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
22-11
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 114 days late
03-05
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 276 days late
2021
31-12
Financial Back to profitnet €3,338
Net result €3,338 after one loss-making year.
2020
23-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Back to profitnet €6,865
Net result €6,865 after one loss-making year.
29-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
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, Ittre · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
1,657 m²
Building footprint
158 m²
Volume, LiDAR
805 m³
Parcel 25044C0075/00A000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
8 companies at this address See who is registered here
1 establishment unit
DFIW
Rue de la Procession 23, 1460 IttreActivities auxiliary to financial services and insurance activities
since 20182.273.298.631
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25044C0075/00A000 Wallonia 1,657 m² 1 · 158 m² 7.1 m · 2 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.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded22-02-2018
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.