DI-VIN
ActiveDI-VIN has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €-79. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 88% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-2
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 8.95 against 10.47 in 2024; short-term debt: 11.2% and cash: 43% of total assets), and 11.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.8%
Return on assets
-0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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
21 d late
2024
27 d late
2023
23 d late
2022
22 d late
2021
3 d early
2020
18 d late
2019
28 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▼ 0.3%
2024 · €25k
2018: €27k
2019: €26k
2020: €29k
2021: €28k
2022: €25k
2023: €25k
2024: €25k
2018 → 2025
Total assets
€28k▲ 1.5%
2024 · €28k
2018: €30k
2019: €28k
2020: €30k
2021: €28k
2022: €26k
2023: €26k
2024: €28k
2018 → 2025
Net result
€-79
2024 · €135
2018: €66
2019: €-76
2020: €2k
2021: €-1k
2022: €-3k
2023: €262
2024: €135
2018 → 2025
Working capital
€25k▼ 0.3%
2024 · €25k
2018: €27k
2019: €26k
2020: €29k
2021: €28k
2022: €25k
2023: €25k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€25k▼ 10.2%€25k▲ 1.1%€25k▲ 0.5%€25k▼ 0.3%
Operating result€-425-€-3k▼ 553%€674€202▼ 70.0%€105▼ 47.8%
Net result€-1k-€-3k▼ 137%€262€135▼ 48.4%€-79
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 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €28k
Equity
€25k▼ 0.3%
Debt
€3k▲ 18.7%
The debt ratio rises from 9.6% to 11.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
88.8%▼
2024 · 90.4%
Current ratio
8.95▼
2024 · 10.47
Quick ratio
4.40▼
2024 · 4.97
Debt / equity
0.13▲
2024 · 0.11
ROE
-0.3%▼
2024 · 0.5%
ROA
-0.3%▼
2024 · 0.5%
Debt
€3k▲
2024 · €3k
Debt ≤ 1 year
€3k▲
2024 · €3k
Income taxes
€120
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€28k€28k▲
Current assets29/58€28k€28k▲
Stocks and contracts in progress3€15k€14k▼
Stocks30/36€15k€14k▼
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€2k€1k▼
Other amounts receivable41€1k€549▼
Cash at bank and in hand54/58€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€28k€28k▲
Equity10/15€25k€25k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€42€42=
Profit (loss) carried forward14€17k€17k▼
Amounts payable17/49€3k€3k▲
Amounts payable within one year42/48€3k€3k▲
Trade debts44€86€684▲
Suppliers440/4€86€684▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Income statement
Code20242025
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A€98€235▲
Gross operating margin9900€4k€4k▼
Operating profit (loss)9901€202€105▼
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€68€67▼
Recurring financial charges65€68€67▼
Profit (loss) for the period before taxes9903€135€40▼
Income taxes67/77-€120
Profit (loss) for the period9904€135€-79▼
Profit (loss) for the period to be appropriated9905€135€-79▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€17k▼
Profit (loss) brought forward from the previous period14P€17k€17k▲
The notes to these accounts (3 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Back to profitnet €262
Net result €262 after 2 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 69.51
Current ratio from 31.09 to 69.51; short-term debt falls from €960 to €405.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1990
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.
O-L-Vrouwstraat 441200 Sint-Lambrechts-WoluweGround area
506 m²
Building footprint
181 m²
Volume, LiDAR
1,329 m³
2 parcels, Brussels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Woudlaan 74, 1950 Kraainem
since 19902.050.147.557
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018B0103/00K028 | Brussels | 346 m² | 1 · 106 m² | 10.9 m · 2 fl. |
| 22002B0155/00N004 | Flanders | 159 m² | 1 · 75 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
AUX DELICES
BE 0432.806.971
Sint-Lambrechts-Woluwe · Eq €25k
OMARé
BE 0840.345.741
Hooglede · Eq €25k
AU BLE BLOND
BE 0650.647.492
Schaarbeek · Eq €26k
LOVELY CHOCOLATE
BE 0784.836.601
Oupeye · Eq €27k
Royaume des Bonbons No.1.
BE 1003.588.625
Brugge · Eq €27k
Of 453 companies in sector 46360 we hold annual accounts for 286. 154 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-1990
Fiscal year end31-12
Activities, NACEBEL
46360Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.