DIFAMEL
ActiveSummary
DIFAMEL has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101,699 and a net result of -€1,975. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 7564 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▲+3
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 20.65 against 19.2 in 2024; short-term debt: 4.8% and cash: 0.4% of total assets), and 4.8% of the assets are financed with debt.
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Signals
Four 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€1,975
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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
6 d late
2024
379 d late
2023
2 d late
2022
58 d late
2021
20 d late
2020
28 d late
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 69 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#10 oldest company in Ghent, Construction sector
Equity
€101,699▼ 1.9%
2024 · €103,673
Total assets
€106,874▼ 2.3%
2024 · €109,363
Net result
-€1,975▲ 57.4%
2024 · -€4,634
Working capital
€101,699▼ 1.8%
2024 · €103,574
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€122▲ 98.3%-€3,421▼ 2,704%€13,503-€4,378-€150▲ 96.6%
Net result-€560below the sector's middle half▲ 92.9%-€3,958below the sector's middle half▼ 607%€11,459within the sector's middle half-€4,634below the sector's middle half-€1,975below the sector's middle half▲ 57.4%
Equity€100,806within the sector's middle half▼ 0.6%€96,848within the sector's middle half▼ 3.9%€108,307above the sector's middle half▲ 11.8%€103,673within the sector's middle half▼ 4.3%€101,699within the sector's middle half▼ 1.9%
Total assets€115,101within the sector's middle half▲ 2.7%€104,224within the sector's middle half▼ 9.4%€112,737within the sector's middle half▲ 8.2%€109,363within the sector's middle half▼ 3.0%€106,874within the sector's middle half▼ 2.3%
Debt€14,295▲ 32.9%€7,376▼ 48.4%€4,430▼ 39.9%€5,690▲ 28.4%€5,175▼ 9.1%
Working capital€95,681▲ 8.8%€95,494▼ 0.2%€108,064▲ 13.2%€103,574▼ 4.2%€101,699▼ 1.8%
Solvency87.6%above the sector's middle half▼ 2.8pp92.9%above the sector's middle half▲ 5.3pp96.1%above the sector's middle half▲ 3.1pp94.8%above the sector's middle half▼ 1.3pp95.2%above the sector's middle half▲ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €150 in 2025 against €4,378 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €106,874
Equity
€101,699 ▼ 1.9%
Debt
€5,175 ▼ 9.1%
Debt's share of the balance-sheet total falls from 5.2% to 4.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€51▲
2024 · -€4,234
Cash flow
-€1,876▲
2024 · -€4,490
Current ratio
20.65▲
2024 · 19.20
Debt to equity
0.05▼
2024 · 0.05
ROE
-1.9%▲
2024 · -4.5%
ROA
-1.8%▲
2024 · -4.2%
Interest coverage
-0.09▲
2024 · -16.54
Debt ≤ 1 year
€5,175▼
2024 · €5,690
Income taxes
€1,255
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,304 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €35 | €4,919 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,694 | €2,897 | €1,572 | €144 | €99 | ▼ 31.3% |
| Other operating charges640/8 | €402 | €2,192 | €1,912 | - | €396 | - |
| Gross operating margin9900 | €7,974 | €1,703 | €21,906 | -€4,234 | €345 | ▲ 108% |
| Operating profit (loss)9901 | -€122 | -€3,421 | €13,503 | -€4,378 | -€150 | ▲ 96.6% |
| Financial charges65/66B | €438 | €537 | €2,044 | €256 | €570 | ▲ 123% |
| Recurring financial charges65 | €438 | €537 | €2,044 | €256 | €570 | ▲ 123% |
| Profit (loss) for the period before taxes9903 | -€560 | -€3,958 | €11,459 | -€4,634 | -€720 | ▲ 84.5% |
| Income taxes67/77 | - | - | - | - | €1,255 | - |
| Profit (loss) for the period9904 | -€560 | -€3,958 | €11,459 | -€4,634 | -€1,975 | ▲ 57.4% |
| Profit (loss) for the period to be appropriated9905 | -€560 | -€3,958 | €11,459 | -€4,634 | -€1,975 | ▲ 57.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €115,101 | €104,224 | €112,737 | €109,363 | €106,874 | ▼ 2.3% |
| Fixed assets21/28 | €5,125 | €2,228 | €243 | €99 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €5,125 | €2,228 | €243 | €99 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €3,020 | €1,235 | €231 | €99 | €0 | ▼ 100% |
| Furniture and vehicles24 | €2,105 | €993 | €12 | - | €0 | - |
| Current assets29/58 | €109,976 | €101,996 | €112,494 | €109,264 | €106,874 | ▼ 2.2% |
| Amounts receivable within one year40/41 | €106,885 | €98,914 | €98,373 | €108,859 | €106,491 | ▼ 2.2% |
| Trade receivables40 | €26,437 | €18,881 | - | - | - | - |
| Other amounts receivable41 | €80,448 | €80,033 | €98,373 | €108,859 | €106,491 | ▼ 2.2% |
| Cash at bank and in hand54/58 | €3,091 | €3,082 | €14,121 | €405 | €383 | ▼ 5.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €115,101 | €104,224 | €112,737 | €109,363 | €106,874 | ▼ 2.3% |
| Equity10/15 | €100,806 | €96,848 | €108,307 | €103,673 | €101,699 | ▼ 1.9% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €111,538 | €111,538 | €111,538 | €111,538 | €111,539 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | - | - | - | - |
| Tax-exempt reserves132 | €10,273 | €10,273 | €10,273 | €10,273 | €10,273 | = |
| Distributable reserves133 | €99,406 | €99,406 | €101,265 | €101,265 | €101,266 | = |
| Profit (loss) carried forward14 | -€29,324 | -€33,282 | -€21,823 | -€26,457 | -€28,432 | ▼ 7.5% |
| Amounts payable17/49 | €14,295 | €7,376 | €4,430 | €5,690 | €5,175 | ▼ 9.1% |
| Amounts payable within one year42/48 | €14,295 | €6,502 | €4,430 | €5,690 | €5,175 | ▼ 9.1% |
| Trade debts44 | €12,695 | €1,771 | €572 | €1,404 | €888 | ▼ 36.8% |
| Suppliers440/4 | €12,695 | €1,771 | €572 | €1,404 | €888 | ▼ 36.8% |
| Taxes, remuneration and social security45 | - | €897 | €2,257 | - | - | - |
| Taxes450/3 | - | €897 | €2,257 | - | - | - |
| Other amounts payable47/48 | €1,600 | €3,834 | €1,601 | €4,286 | €4,287 | = |
| Accrued charges and deferred income492/3 | - | €874 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€560 | -€3,958 | €11,459 | -€4,634 | -€1,975 | ▲ 57.4% |
| + Depreciation and write-downs630 | €7,694 | €2,897 | €1,572 | €144 | €99 | ▼ 31.3% |
| Operating cash flow (approximation) | €7,134 | -€1,061 | €13,031 | -€4,490 | -€1,876 | ▲ 58.2% |
| Investment in fixed assets (approximation) | - | €0 | €413 | €0 | €0 | - |
| Change in cash | - | -€9 | €11,039 | -€13,716 | -€22 | ▲ 99.8% |
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
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 379 days late
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Back to profitnet €11,459
Net result €11,459 after 4 loss-making years.
31-12
Financial
Equity above €100,000Eq €108,307 ▲11.8%
Equity rises from €96,848 to €108,307.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 15.69
Current ratio from 7.69 to 15.69; short-term debt falls from €14,295 to €6,502.
20-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 20 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-12
Financial
Weakest financial yearnet -€7,929
Net result drops to -€7,929, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.17
Current ratio from 3.05 to 9.17; short-term debt falls from €26,427 to €10,760.
31-12
Financial
Equity above €100,000Eq €101,366 ▲44.4%
Equity rises from €70,189 to €101,366.
Show earlier events
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Gent · 1 establishment unit since 1972
Ground area
2,099 m²
Building footprint
574 m²
Volume, LiDAR
2,522 m³
Parcel 44038B0017/00S000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
DIFAMEL
since 19722.010.151.289
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038B0017/00S000 | Flanders | 2,099 m² | 1 · 574 m² | 6.8 m · 1 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.010.151.289
Similar companies · same sector, comparable size
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BE 0895.742.936
Morlanwelz · Eq €101,739
MORAR BUSINESS
BE 0781.781.792
Halle · Eq €101,765
Effect
BE 0748.873.850
Niel · Eq €101,766
BOUWONDERNEMING DELEERSNIJDER
BE 0405.403.877
Deerlijk · Eq €101,624
Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 13,110 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
Founded23-10-1972
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
46833Wholesale trade
77110Renting and leasing of cars and light motor vehicles
Contact
Phone
0495350559Gent
E-invoicing
Reachable via Peppol
Peppol ID
0208:0412691745
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.