Summary
DIEKO is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1,358 and a net result of €358. Equity has been growing by about 54% per year since 2021. Its solvency ranks better than 10% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 06-01-2021 Normal situation
- Activity
- Activities of holding companies NACE 64210
- Establishment unit
- 2.311.668.762 8380 Brugge, since 06-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Board and ownership
Board
- Dierickx KoenDirector · since 05-01-2021
- Martine De KeyserDirector
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €358
- ▼ 98.0%
- Equity
- €1,358
- ▼ 90.3%
- Total assets
- €70,715
- ▼ 9.0%
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 9754 sector peers (2025).
NBB · sector comparisonPosition among 9754 sector peers
Solvency
better than 10%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
29 days late
2023
21 days late
2022
31 days late
2021
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 22 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 31-07-2026 at the NBB all 5 filings
Equity
€1,358▼ 90.3%
2024 · €13,995
Net result
€358▼ 98.0%
2024 · €18,084
Total assets
€70,715▼ 9.0%
2024 · €77,672
Solvency
1.9%▼ 16.1pp
2024 · 18.0%
Multi-year overview
2021 to 2025, 5 financial yearsOperating result
€2,349
▼ 90.7%
2025
20212025
Net result
€358
▼ 98.0%
2025
lowest quarter of the sector
20212025
Equity
€1,358
▼ 90.3%
2025
lowest quarter of the sector
20212025
Total assets
€70,715
▼ 9.0%
2025
lowest quarter of the sector
20212025
Debt
€69,358
▲ 8.9%
2025
20212025
Working capital
-€23,773
▼ 28.9%
2025
lowest quarter of the sector
20212025
Solvency
1.9%
▼ 16.1pp
2025
lowest quarter of the sector
20212025
Current ratio
0.55
=
2025
lowest quarter of the sector
20212025
Return on assets (ROA)
0.5%
▼ 22.8pp
2025
lowest quarter of the sector
20212025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20212022202320242025
Operating result-€14,105-€8,924€9,467▲ 6.1%€25,256▲ 167%€2,349▼ 90.7%
Net result-€14,633below the sector's middle half-€5,443within the sector's middle half€4,101within the sector's middle half▼ 24.7%€18,084within the sector's middle half▲ 341%€358below the sector's middle half▼ 98.0%
Equity-€13,633below the sector's middle half--€8,189below the sector's middle half▲ 39.9%-€4,088below the sector's middle half▲ 50.1%€13,995below the sector's middle half€1,358below the sector's middle half▼ 90.3%
Total assets€23,241below the sector's middle half-€36,701below the sector's middle half▲ 57.9%€34,481below the sector's middle half▼ 6.0%€77,672below the sector's middle half▲ 125%€70,715below the sector's middle half▼ 9.0%
Debt€36,873-€44,891▲ 21.7%€38,570▼ 14.1%€63,677▲ 65.1%€69,358▲ 8.9%
Working capital-€16,359within the sector's middle half--€28,782below the sector's middle half▼ 75.9%-€20,425within the sector's middle half▲ 29.0%-€18,446within the sector's middle half▲ 9.7%-€23,773below the sector's middle half▼ 28.9%
Solvency-58.7%below the sector's middle half--22.3%below the sector's middle half▲ 36.3pp-11.9%below the sector's middle half▲ 10.5pp18.0%below the sector's middle half▲ 29.9pp1.9%below the sector's middle half▼ 16.1pp
Current ratio0.56below the sector's middle half-0.36below the sector's middle half▼ 0.200.47below the sector's middle half▲ 0.110.55below the sector's middle half▲ 0.090.55below the sector's middle half=
Return on assets (ROA)-63.0%below the sector's middle half-14.8%within the sector's middle half▲ 77.8pp11.9%within the sector's middle half▼ 2.9pp23.3%within the sector's middle half▲ 11.4pp0.5%below the sector's middle half▼ 22.8pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 91% lower than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70,715
Fixed assets
€41,398 ▼ 24.4%
Current assets
€29,317 ▲ 27.9%
Equity and liabilities €70,715
Equity
€1,358 ▼ 90.3%
Debt
€69,358 ▲ 8.9%
Debt's share of the balance-sheet total rises from 82.0% to 98.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
26.3%▼
2024 · 129.2%
Debt ≤ 1 year
€53,090▲
2024 · €41,370
Debt > 1 year
€12,205▼
2024 · €22,307
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €2,726 | €19,531 | - | €55,038 | €1,098 |
| Depreciation and write-downs of the year | - | €1,465 | €4,256 | €13,743 | €14,449 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,465 | €4,256 | €13,743 | €14,449 | ▲ 5.1% |
| Other operating charges640/8 | €2,983 | €2,283 | €1,729 | €1,673 | €1,799 | ▲ 7.6% |
| Gross operating margin9900 | -€11,123 | €12,672 | €15,452 | €40,671 | €18,597 | ▼ 54.3% |
| Operating profit (loss)9901 | -€14,105 | €8,924 | €9,467 | €25,256 | €2,349 | ▼ 90.7% |
| Financial income75/76B | - | - | €6 | €24 | €166 | ▲ 585% |
| Recurring financial income75 | - | - | €6 | €24 | €166 | ▲ 585% |
| Financial charges65/66B | €112 | €77 | €103 | €1,196 | €2,157 | ▲ 80.3% |
| Recurring financial charges65 | €112 | €77 | €103 | €1,196 | €2,157 | ▲ 80.3% |
| Profit (loss) for the period before taxes9903 | -€14,217 | €8,847 | €9,370 | €24,084 | €358 | ▼ 98.5% |
| Income taxes67/77 | €416 | €3,404 | €5,269 | €6,000 | - | - |
| Profit (loss) for the period9904 | -€14,633 | €5,443 | €4,101 | €18,084 | €358 | ▼ 98.0% |
| Profit (loss) for the period to be appropriated9905 | -€14,633 | €5,443 | €4,101 | €18,084 | €358 | ▼ 98.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €23,241 | €36,701 | €34,481 | €77,672 | €70,715 | ▼ 9.0% |
| Fixed assets21/28 | €2,726 | €20,793 | €16,536 | €54,748 | €41,398 | ▼ 24.4% |
| Tangible fixed assets22/27 | €2,726 | €20,793 | €16,536 | €54,748 | €41,398 | ▼ 24.4% |
| Plant, machinery and equipment23 | €2,726 | €2,181 | €1,636 | €1,860 | €957 | ▼ 48.5% |
| Furniture and vehicles24 | - | €18,612 | €14,901 | €52,889 | €40,441 | ▼ 23.5% |
| Current assets29/58 | €20,514 | €15,908 | €17,945 | €22,924 | €29,317 | ▲ 27.9% |
| Amounts receivable within one year40/41 | €15,471 | €14,521 | €0 | €2,873 | €12,420 | ▲ 332% |
| Trade receivables40 | €15,471 | €14,521 | €0 | €2,015 | €2,420 | ▲ 20.1% |
| Other amounts receivable41 | - | - | - | €859 | €10,000 | ▲ 12× |
| Cash at bank and in hand54/58 | €5,043 | €1,387 | €17,945 | €19,318 | €15,272 | ▼ 20.9% |
| Deferred charges and accrued income490/1 | - | - | - | €732 | €1,625 | ▲ 122% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €23,241 | €36,701 | €34,481 | €77,672 | €70,715 | ▼ 9.0% |
| Equity10/15 | -€13,633 | -€8,189 | -€4,088 | €13,995 | €1,358 | ▼ 90.3% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | - | - | - | €12,995 | €358 | ▼ 97.2% |
| Distributable reserves133 | - | - | - | €12,995 | €358 | ▼ 97.2% |
| Profit (loss) carried forward14 | -€14,633 | -€9,189 | -€5,088 | - | - | - |
| Amounts payable17/49 | €36,873 | €44,891 | €38,570 | €63,677 | €69,358 | ▲ 8.9% |
| Amounts payable after more than one year17 | - | - | - | €22,307 | €12,205 | ▼ 45.3% |
| Financial debts170/4 | - | - | - | €22,307 | €12,205 | ▼ 45.3% |
| Amounts payable within one year42/48 | €36,873 | €44,691 | €38,370 | €41,370 | €53,090 | ▲ 28.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €9,781 | €10,102 | ▲ 3.3% |
| Trade debts44 | €1,235 | €839 | €4,119 | €2,622 | €4,680 | ▲ 78.5% |
| Suppliers440/4 | €1,235 | €839 | €4,119 | €2,622 | €4,680 | ▲ 78.5% |
| Taxes, remuneration and social security45 | €12,724 | €19,556 | €21,365 | €15,089 | €12,501 | ▼ 17.1% |
| Taxes450/3 | €12,724 | €15,214 | €16,900 | €15,089 | €12,501 | ▼ 17.1% |
| Remuneration and social security454/9 | - | €4,342 | €4,465 | - | - | - |
| Other amounts payable47/48 | €22,914 | €24,296 | €12,886 | €13,878 | €25,807 | ▲ 86.0% |
| Accrued charges and deferred income492/3 | - | €200 | €200 | - | €4,062 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€14,633 | €5,443 | €4,101 | €18,084 | €358 | ▼ 98.0% |
| + Depreciation and write-downs630 | - | €1,465 | €4,256 | €13,743 | €14,449 | ▲ 5.1% |
| Operating cash flow (approximation) | -€14,633 | €6,908 | €8,357 | €31,827 | €14,807 | ▼ 53.5% |
| Investment in fixed assets (approximation) | - | -€19,531 | €0 | -€51,955 | -€1,098 | ▲ 97.9% |
| Change in cash | - | -€3,655 | €16,558 | €1,373 | -€4,045 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-07-2026 | 2026-00392708 | |
| 31-12-2024 | micro format | 29-08-2025 | 2025-00432881 | |
| 31-12-2023 | micro format | 21-08-2024 | 2024-00356416 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00419287 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20374451 |
Board & ownership
Directors
Directors
2 directors, last change in 2026
Dierickx Koen
Current
Martine De Keyser
Current
Bijkomende niet statutaire bestuurder · appointed in the act of 18-09-2026 · earlier director (not named in the articles), until 13-08-2025 · term without a fixed end
Owners and capital
Owners
Mandate history
2 people, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Dierickx Koen |
|
| Martine De Keyser |
|
Network & group
DIEKO shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of DIEKO. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
18-09
Gazette deed
Appointment: Martine De Keyser (bijkomende niet statutaire bestuurder)2 points ▸
Gazette deed
Appointment: Martine De Keyser (bijkomende niet statutaire bestuurder)
2 points ▸
- General meeting, 29-07-2026
- Director appointment, Martine De Keyser (bijkomende niet statutaire bestuurder)
31-07
micro format · on the deadline day
2025
29-08
micro format · 29 days late
13-08
Gazette deed
Resignation: Martine De Keyser (director)Director discharge3 points ▸
Gazette deed
Resignation: Martine De Keyser (director)
Director discharge3 points ▸
- General meeting, 02-01-2025
- Director resignation, Martine De Keyser (director (not named in the articles))
- Director discharge, Martine De Keyser (director (not named in the articles))
2024
31-12
Financial
Highest result from 2021 to 2025net €18,084 ▲341%
The operating result of €25,256 and the net result of €18,084 are both a record.
21-08
micro format · 21 days late
2023
31-08
micro format · 31 days late
2022
31-12
Financial
Back to profitnet €5,443
The net result is €5,443, after one loss-making year.
31-08
micro format · 31 days late
2021
08-01
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
DIEKO in Dutch
Enterprise number
0760.888.685
Legal form
Private limited company
Status
Active, normale toestand
Founded
06-01-2021
Entity type
Legal entity
Registered office and establishments
Registered office
Ronselarestraat 113, 8380 Brugge, Belgium
Establishment unit
DIEKO, Ronselarestraat 113, 8380 Brugge since 06-01-2021 · unit number 2.311.668.76270100 Activities of head offices
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
Invoicing and payment
VAT number
BE 0760.888.685
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
2,452 m²
Building footprint
124 m²
Building volume
364 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31007C0078/00E000 | Flanders | 2,452 m² | 1 · 124 m² | 5.5 m · 1 |