Dhiva
ActiveSummary
Dhiva has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €1k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability29▼-1
Solvency33▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.21 against 1.14 in 2024; short-term debt: 81.3% and cash: 4.4% of total assets), and 92.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
7.9%
Return on assets
0.4%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 11389 sector peers (2025).
NBB · sector comparisonPosition among 11389 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
21 d late
2023
43 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▼ 1.5%
2024 · €25k
2023: €27khighest in 3 years
2024: €25k▼ -5.4% vs 2023
2025: €25k▼ -1.5% vs 2024lowest in 3 years
2023 → 2025
Total assets
€317k▲ 20.6%
2024 · €262k
2023: €255klowest in 3 years
2024: €262k▲ +2.9% vs 2023
2025: €317k▲ +20.6% vs 2024highest in 3 years
2023 → 2025
Net result
€1k▲ 668%
2024 · €166
2023: €160lowest in 3 years
2024: €166▲ +3.7% vs 2023
2025: €1k▲ +668% vs 2024highest in 3 years
2023 → 2025
Working capital
€53k▲ 71.5%
2024 · €31k
2023: €36k
2024: €31k▼ -13.5% vs 2023lowest in 3 years
2025: €53k▲ +71.5% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€27k-€25k▼ 5.4%€25k▼ 1.5%
2023: €27khighest in 3 years
2024: €25k▼ -5.4% vs 2023
2025: €25k▼ -1.5% vs 2024lowest in 3 years
Operating result€14k-€13k▼ 8.2%€12k▼ 9.2%
2023: €14khighest in 3 years
2024: €13k▼ -8.2% vs 2023
2025: €12k▼ -9.2% vs 2024lowest in 3 years
Net result€160-€166▲ 3.7%€1k▲ 668%
2023: €160lowest in 3 years
2024: €166▲ +3.7% vs 2023
2025: €1k▲ +668% vs 2024highest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€6k ▲ 15.5%
Current assets
€311k ▲ 20.7%
Equity and liabilities €317k
Equity
€25k ▼ 1.5%
Debt
€292k ▲ 23.0%
Debt's share of the balance-sheet total rises from 90.4% to 92.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €16k
Cash flow
€4k▲
2024 · €3k
Current ratio
1.21▲
2024 · 1.14
Quick ratio
0.72▼
2024 · 0.89
Debt to equity
11.71▲
2024 · 9.37
ROE
5.1%▲
2024 · 0.7%
ROA
0.4%▲
2024 · 0.1%
Interest coverage
1.16▼
2024 · 1.37
Debt ≤ 1 year
€257k▲
2024 · €226k
Debt > 1 year
€34k▲
2024 · €11k
Income taxes
€1k▼
2024 · €2k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€262k€317k▲
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€2k€444▼
Plant, machinery and equipment23€525-
Furniture and vehicles24€2k€444▼
Financial fixed assets28€3k€5k▲
Current assets29/58€257k€311k▲
Stocks and contracts in progress3€56k€127k▲
Stocks30/36€56k€127k▲
Amounts receivable within one year40/41€181k€170k▼
Trade receivables40€181k€170k▼
Other amounts receivable41-€235
Cash at bank and in hand54/58€19k€14k▼
Deferred charges and accrued income490/1€349€349=
Equity and liabilities
Total equity and liabilities10/49€262k€317k▲
Equity10/15€25k€25k▼
Reserves13€13k€14k▲
Distributable reserves133€13k€14k▲
Profit (loss) carried forward14€12k€11k▼
Amounts payable17/49€237k€292k▲
Amounts payable after more than one year17€11k€34k▲
Financial debts170/4€11k€34k▲
Amounts payable within one year42/48€226k€257k▲
Current portion of amounts payable after more than one year42€6k€13k▲
Trade debts44€166k€139k▼
Suppliers440/4€166k€139k▼
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Other amounts payable47/48€46k€102k▲
Income statement
Code20242025
Remuneration, social security and pensions62€31k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€50k€16k▼
Operating profit (loss)9901€13k€12k▼
Financial income75/76B€104€3k▲
Recurring financial income75€104€3k▲
Financial charges65/66B€12k€12k▲
Recurring financial charges65€12k€12k▲
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€166€1k▲
Profit (loss) for the period to be appropriated9905€166€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€14k▼
Profit (loss) brought forward from the previous period14P€14k€12k▼
Transfer to equity691/2€166€1k▲
To other reserves6921€166€1k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €97k | €31k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €3k | €2k | ▼ 17.3% |
| Other operating charges640/8 | €3k | €3k | €1k | ▼ 62.3% |
| Gross operating margin9900 | €117k | €50k | €16k | ▼ 69.0% |
| Operating profit (loss)9901 | €14k | €13k | €12k | ▼ 9.2% |
| Financial income75/76B | €873 | €104 | €3k | ▲ 2,595% |
| Recurring financial income75 | €873 | €104 | €3k | ▲ 2,595% |
| Financial charges65/66B | €13k | €12k | €12k | ▲ 5.1% |
| Recurring financial charges65 | €13k | €12k | €12k | ▲ 5.1% |
| Profit (loss) for the period before taxes9903 | €2k | €2k | €3k | ▲ 52.8% |
| Income taxes67/77 | €2k | €2k | €1k | ▼ 15.1% |
| Profit (loss) for the period9904 | €160 | €166 | €1k | ▲ 668% |
| Profit (loss) for the period to be appropriated9905 | €160 | €166 | €1k | ▲ 668% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €255k | €262k | €317k | ▲ 20.6% |
| Fixed assets21/28 | €8k | €5k | €6k | ▲ 15.5% |
| Tangible fixed assets22/27 | €5k | €2k | €444 | ▼ 80.1% |
| Plant, machinery and equipment23 | €1k | €525 | - | - |
| Furniture and vehicles24 | €4k | €2k | €444 | ▼ 74.0% |
| Financial fixed assets28 | €3k | €3k | €5k | ▲ 94.4% |
| Current assets29/58 | €247k | €257k | €311k | ▲ 20.7% |
| Stocks and contracts in progress3 | €62k | €56k | €127k | ▲ 125% |
| Stocks30/36 | €62k | €56k | €127k | ▲ 125% |
| Amounts receivable within one year40/41 | €150k | €181k | €170k | ▼ 6.3% |
| Trade receivables40 | €147k | €181k | €170k | ▼ 6.5% |
| Other amounts receivable41 | €4k | - | €235 | - |
| Cash at bank and in hand54/58 | €33k | €19k | €14k | ▼ 28.0% |
| Deferred charges and accrued income490/1 | €3k | €349 | €349 | = |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €255k | €262k | €317k | ▲ 20.6% |
| Equity10/15 | €27k | €25k | €25k | ▼ 1.5% |
| Reserves13 | €13k | €13k | €14k | ▲ 9.9% |
| Distributable reserves133 | €13k | €13k | €14k | ▲ 9.9% |
| Profit (loss) carried forward14 | €14k | €12k | €11k | ▼ 13.3% |
| Amounts payable17/49 | €228k | €237k | €292k | ▲ 23.0% |
| Amounts payable after more than one year17 | €17k | €11k | €34k | ▲ 217% |
| Financial debts170/4 | €17k | €11k | €34k | ▲ 217% |
| Amounts payable within one year42/48 | €211k | €226k | €257k | ▲ 13.8% |
| Current portion of amounts payable after more than one year42 | €21k | €6k | €13k | ▲ 115% |
| Financial debts43 | €47k | - | - | - |
| Credit institutions430/8 | €47k | - | - | - |
| Trade debts44 | €122k | €166k | €139k | ▼ 16.2% |
| Suppliers440/4 | €122k | €166k | €139k | ▼ 16.2% |
| Taxes, remuneration and social security45 | €7k | €8k | €3k | ▼ 65.7% |
| Taxes450/3 | €5k | €8k | €3k | ▼ 65.7% |
| Remuneration and social security454/9 | €3k | - | - | - |
| Other amounts payable47/48 | €14k | €46k | €102k | ▲ 121% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €160 | €166 | €1k | ▲ 668% |
| + Depreciation and write-downs630 | €3k | €3k | €2k | ▼ 17.3% |
| Operating cash flow (approximation) | €3k | €3k | €4k | ▲ 21.5% |
| Investment in fixed assets (approximation) | - | €0 | €-3k | - |
| Change in cash | - | €-13k | €-5k | ▲ 58.5% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €1k ▲668%
Net result €1k, the highest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Beernem · 1 establishment unit since 2025
Ground area
2,477 m²
Building footprint
203 m²
Volume, LiDAR
83 m³
Parcel 31003D0070/00M000, Flanders · tallest building 3.4 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RamaPro
since 20252.372.291.386
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003D0070/00M000 | Flanders | 2,477 m² | 1 · 203 m² | 3.4 m |
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.
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Of 4,418 companies in sector 46180 we hold annual accounts for 1,885. 1,216 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
Founded16-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
46412Wholesale of household textiles and bedding
46419Wholesale trade
47519Retail trade
73110Advertising agencies
Scores and ratios are computed by Checked and are not a credit decision.