DIAZ IMMO
ActiveSummary
DIAZ IMMO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €-1k. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 22% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability37▲+22
Solvency33▼-29
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.6 in 2023; short-term debt: 91.5% and cash: 8.9% of total assets), and 91.6% 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
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
8.4%
Return on assets
0%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 4539 sector peers (2025).
NBB · sector comparisonPosition among 4539 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2023
23 d late
2022
1 d early
2021
122 d early
2020
121 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-1k▲ 94.1%
2023 · €-19k
2020: €-9k
2021: €-4k
2022: €-3k
2023: €-19k
2020 → 2025
Working capital
€221k▼ 17.0%
2023 · €266k
2020: €290k
2021: €287k
2022: €284k
2023: €266k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€291k-€287k▼ 1.3%€284k▼ 1.1%€265k▼ 6.7%€233k▼ 12.3%
Operating result€-3k-€1k€2k▲ 38.5%€-12k€95k
Net result€-9k-€-4k▲ 56.8%€-3k▲ 19.8%€-19k▼ 510%€-1k▲ 94.1%
Result per fiscal year
Operating resultNet result
The operating result is €95k in 2025, compared with €-12k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €2.76M
Fixed assets
€13k
Current assets
€2.75M
Equity and liabilities €2.76M
Equity
€233k ▼ 12.3%
Debt
€2.53M ▲ 471%
Debt's share of the balance-sheet total rises from 62.5% to 91.6%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.09▼
2023 · 1.60
Quick ratio
0.10▲
2023 · 0.04
Debt to equity
10.86▲
2023 · 1.67
ROE
-0.5%▲
2023 · -7.1%
ROA
0.0%▲
2023 · -2.7%
Debt ≤ 1 year
€2.53M▲
2023 · €441k
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 2023 · 36 lines
Balance sheet
Code20232025
Assets
Total assets20/58€707k€2.76M▲
Formation expenses20€294-
Fixed assets21/28-€13k
Financial fixed assets28-€13k
Current assets29/58€707k€2.75M▲
Stocks and contracts in progress3€691k€2.50M▲
Stocks30/36€691k€2.50M▲
Amounts receivable within one year40/41€6k€3k▼
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€11k€246k▲
Deferred charges and accrued income490/1€25-
Equity and liabilities
Total equity and liabilities10/49€707k€2.76M▲
Equity10/15€265k€233k▼
Contributions10/11€300k€300k=
Capital10€300k€300k=
Issued capital100€300k€300k=
Profit (loss) carried forward14€-35k€-67k▼
Amounts payable17/49€442k€2.53M▲
Amounts payable within one year42/48€441k€2.53M▲
Current portion of amounts payable after more than one year42€300k€1.25M▲
Trade debts44€66k€356k▲
Suppliers440/4€66k€356k▲
Advances received on contracts in progress46-€800k
Other amounts payable47/48€75k€118k▲
Accrued charges and deferred income492/3€878€701▼
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€392-
Other operating charges640/8€2k€3k▲
Gross operating margin9900€-10k€98k▲
Operating profit (loss)9901€-12k€95k▲
Financial charges65/66B€7k€96k▲
Recurring financial charges65€7k€96k▲
Profit (loss) for the period before taxes9903€-19k€-1k▲
Profit (loss) for the period9904€-19k€-1k▲
Profit (loss) for the period to be appropriated9905€-19k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-67k▼
Profit (loss) brought forward from the previous period14P€-16k€-66k▼
The notes to these accounts (1 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 30 days late
2024
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-06
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Waimes · 1 establishment unit since 2019
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.
Rue de la Station,Sourbrodt 334950 WaimesGround area
3,229 m²
Building footprint
222 m²
Volume, LiDAR
1,722 m³
2 parcels, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LE GROS HETRE
since 20192.290.223.745
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63553B0228/00B002 | Wallonia | 2,767 m² | 1 · 158 m² | 9.1 m · 2 fl. |
| 63049D0279/00E000 | Wallonia | 461 m² | 1 · 64 m² | 11.8 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
Prins Kavelhof
BE 0848.913.712
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GROUP XSP
BE 0567.979.144
Genk · Eq €232,965
AD REAL ESTATE
BE 0656.747.210
Lasne · Eq €232,294
MINABO
BE 0841.435.210
Zedelgem · Eq €232,276
Groupe B.C.L.
BE 0418.728.511
Namur · Eq €232,134
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,276 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-04-2019
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.