DIFFINDO
ActiveDIFFINDO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €38k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 38% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-10
Solvency65▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 2.09 in 2024; short-term debt: 44% and cash: 56.6% of total assets), but 59.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.3%
Return on assets
16%
Age of the figures
9 mo
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
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 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
47 d early
2023
30 d early
2022
5 d late
2021
2 d late
2020
20 d late
2019
27 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▼ 8.4%
2024 · €106k
2018: €16k
2019: €38k
2020: €52k
2021: €53k
2022: €63k
2023: €82k
2024: €106k
2018 → 2025
Total assets
€240k▲ 12.8%
2024 · €213k
2018: €47k
2019: €123k
2020: €483k
2021: €459k
2022: €216k
2023: €183k
2024: €213k
2018 → 2025
Net result
€38k▼ 26.3%
2024 · €52k
2018: €13k
2019: €23k
2020: €14k
2021: €2k
2022: €47k
2023: €40k
2024: €52k
2018 → 2025
Working capital
€65k▼ 8.5%
2024 · €71k
2018: €11k
2019: €21k
2020: €-53k
2021: €-44k
2022: €20k
2023: €45k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€63k▲ 18.7%€82k▲ 30.1%€106k▲ 28.7%€97k▼ 8.4%
Operating result€12k-€75k▲ 538%€56k▼ 25.0%€70k▲ 24.0%€55k▼ 21.6%
Net result€2k-€47k▲ 1,855%€40k▼ 14.7%€52k▲ 29.0%€38k▼ 26.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€70k▼ 9.1%
Current assets
€170k▲ 25.0%
Equity and liabilities €240k
Equity
€97k▼ 8.4%
Debt
€143k▲ 33.7%
The debt ratio rises from 50.4% to 59.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€62k▼
2024 · €77k
Cash flow
€45k▼
2024 · €59k
Solvency
40.3%▼
2024 · 49.6%
Current ratio
1.62▼
2024 · 2.09
Quick ratio
1.62▼
2024 · 2.09
Debt / equity
1.48▲
2024 · 1.01
ROE
39.7%▼
2024 · 49.4%
ROA
16.0%▼
2024 · 24.5%
Interest coverage
40.20▼
2024 · 49.97
Debt
€143k▲
2024 · €107k
Debt ≤ 1 year
€106k▲
2024 · €65k
Debt > 1 year
€38k▼
2024 · €42k
Income taxes
€16k▼
2024 · €17k
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€213k€240k▲
Fixed assets21/28€76k€70k▼
Tangible fixed assets22/27€76k€69k▼
Land and buildings22€66k€62k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€160€160=
Current assets29/58€136k€170k▲
Amounts receivable within one year40/41€18k€34k▲
Trade receivables40€18k€34k▲
Cash at bank and in hand54/58€114k€136k▲
Deferred charges and accrued income490/1€4k€347▼
Equity and liabilities
Total equity and liabilities10/49€213k€240k▲
Equity10/15€106k€97k▼
Contributions10/11€6k€6k=
Reserves13€99k€90k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€93k€84k▼
Profit (loss) carried forward14€108€108=
Amounts payable17/49€107k€143k▲
Amounts payable after more than one year17€42k€38k▼
Financial debts170/4€42k€38k▼
Amounts payable within one year42/48€65k€106k▲
Current portion of amounts payable after more than one year42€3k€4k▲
Trade debts44€5k€24k▲
Suppliers440/4€5k€24k▲
Taxes, remuneration and social security45€21k€23k▲
Taxes450/3€21k€23k▲
Other amounts payable47/48€36k€54k▲
Accrued charges and deferred income492/3-€62
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€80-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€895€1k▲
Gross operating margin9900€78k€63k▼
Operating profit (loss)9901€70k€55k▼
Financial income75/76B€1k€953▼
Recurring financial income75€1k€953▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€70k€54k▼
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€52k€38k▼
Profit (loss) for the period to be appropriated9905€52k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€39k▼
Profit (loss) brought forward from the previous period14P€108€108=
Transfer from equity791/2-€47k
Transfer to equity691/2€24k€38k▲
To other reserves6921€24k€38k▲
Profit to be distributed694/7€29k€47k▲
Return on contributions (dividend)694€29k€47k▲
The notes to these accounts (8 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €52k ▲29%
Net result €52k, the highest in the series.
31-12
Financial
Equity above €100kEq €106k ▲28.7%
7 profitable years in a row build equity to €106k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 5 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.21
Current ratio from 0.43 to 1.21.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Weakest financial yearnet €2k ▼83.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
09-01
State Gazette act
Board meeting · Power of attorney
2018
12-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 12 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneState Gazette actNBB 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, Namur · 1 establishment unit since 2015
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.
Chaussée de Dinant(WP) 6325100 NamurGround area
2,075 m²
Building footprint
253 m²
Volume, LiDAR
1,994 m³
2 parcels, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DIFFINDO
since 20152.265.942.764
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014A0117/00W002 | Wallonia | 1,125 m² | 1 · 74 m² | 7.2 m · 2 fl. |
| 92135A0501/00B000 | Wallonia | 950 m² | 1 · 178 m² | 12.2 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.
Structure & network
Ownership & control
1 partyDIFFINDOBE 0597.851.877
controls
Where this company holds controlthis company sits on their board1
11 locations
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 40,553 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:mvc@pro-te-in.eu
Phone:0497/051226