DIASPORATE
ActiveDIASPORATE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €-7k. Equity is growing by ~51.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 2024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency85▼-15
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 2.82 in 2024), and 48.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
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
51.3%
Return on assets
-16%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
13 d early
2024
6 d early
2023
7 d early
2022
4 d early
2021
9 d early
2020
121 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 73.8%
2024 · €90k
2020: €4k
2021: €19k
2022: €51k
2023: €61k
2024: €90k
2020 → 2025
Total assets
€46k▼ 66.6%
2024 · €137k
2020: €4k
2021: €24k
2022: €60k
2023: €67k
2024: €137k
2020 → 2025
Net result
€-7k
2024 · €29k
2020: €-3k
2021: €15k
2022: €32k
2023: €10k
2024: €29k
2020 → 2025
Working capital
€12k▼ 86.3%
2024 · €87k
2020: €3k
2021: €18k
2022: €44k
2023: €52k
2024: €87k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€51k▲ 168%€61k▲ 19.8%€90k▲ 46.7%€24k▼ 73.8%
Operating result€15k-€30k▲ 103%€11k▼ 64.5%€41k▲ 283%€-7k
Net result€15k-€32k▲ 108%€10k▼ 68.5%€29k▲ 183%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €41k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€12k▲ 311%
Current assets
€34k▼ 74.5%
Equity and liabilities €46k
Equity
€24k▼ 73.8%
Debt
€22k▼ 53.1%
The debt ratio rises from 34.7% to 48.7%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-5k▼
2024 · €42k
Cash flow
€-5k▼
2024 · €30k
Solvency
51.3%▼
2024 · 65.3%
Current ratio
1.53▼
2024 · 2.82
Quick ratio
1.53▼
2024 · 2.82
Debt / equity
0.95▲
2024 · 0.53
ROE
-31.2%▼
2024 · 31.8%
ROA
-16.0%▼
2024 · 20.8%
Interest coverage
-26.59▼
2024 · 81.88
Debt
€22k▼
2024 · €48k
Debt ≤ 1 year
€22k▼
2024 · €48k
Income taxes
€2k
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€137k€46k▼
Fixed assets21/28€3k€12k▲
Tangible fixed assets22/27€3k€5k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€3k€2k▼
Financial fixed assets28-€6k
Current assets29/58€135k€34k▼
Amounts receivable within one year40/41€133k€33k▼
Trade receivables40€45k€15k▼
Other amounts receivable41€88k€19k▼
Cash at bank and in hand54/58€2k€658▼
Deferred charges and accrued income490/1€147€147=
Equity and liabilities
Total equity and liabilities10/49€137k€46k▼
Equity10/15€90k€24k▼
Contributions10/11€7k€7k=
Profit (loss) carried forward14€83k€17k▼
Amounts payable17/49€48k€22k▼
Amounts payable within one year42/48€48k€22k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€11k€20k▲
Taxes450/3€11k€20k▲
Other amounts payable47/48€34k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€600€184▼
Gross operating margin9900€43k€-4k▼
Operating profit (loss)9901€41k€-7k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€17k€2k▼
Recurring financial charges65€515€170▼
Non-recurring financial charges66B€16k€2k▼
Profit (loss) for the period before taxes9903€29k€-5k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€29k€-7k▼
Profit (loss) for the period to be appropriated9905€29k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€76k▼
Profit (loss) brought forward from the previous period14P€55k€83k▲
Profit to be distributed694/7-€59k
Return on contributions (dividend)694-€59k
The notes to these accounts (7 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-7k ▼126%
Net result drops to €-7k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €32k ▲108%
Net result €32k, the highest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Koekelberg · 1 establishment unit since 2020
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.
Pantheonlaan 86/91081 KoekelbergGround area
414 m²
Building footprint
371 m²
Volume, LiDAR
6,510 m³
2 parcels, Brussels · tallest building 24.7 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
AUTO-ÉCOLE PERMIS DIRECT
since 20202.299.977.193
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0040/00C012 | Brussels | 285 m² | 1 · 271 m² | 24.7 m · 7 fl. |
| 21809K0381/00D004 | Brussels | 128 m² | 1 · 100 m² | 19.4 m · 5 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.
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Of 1,034 companies in sector 85531 we hold annual accounts for 345. 262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2020
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
47120Other non-specialised retail sale
47770Retail sale of watches and jewellery
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47789Other retail sale of new goods
47890Retail trade
47910Retail trade
47990Retail trade
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@permisdirect.be
Phone:+32485397485