DIFFUMO
ActiveSummary
DIFFUMO has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of €641. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 60% of 4926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability31▲+2
Solvency79▼-8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100,000 at 30 days acceptable
Liquidity ample (current ratio 13.11 against 9.17 in 2024; short-term debt: 7.1% and cash: 3.1% of total assets), and 46.1% of the assets are financed with debt.
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Signals
Six 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
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
53.9%
Return on assets
0%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
21 d late
2023
1 d early
2022
8 d late
2021
22 d late
2020
31 d late
2019
31 d late
← 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 19 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€641▼ 85.4%
2024 · €4,386
Working capital
€2.5m▲ 15.3%
2024 · €2.1m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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€282,135▲ 107%€122,969▼ 56.4%€138,030▲ 12.2%€49,875▼ 63.9%€73,227▲ 46.8%
Net result€159,420within the sector's middle half▲ 173%€67,560within the sector's middle half▼ 57.6%€68,166within the sector's middle half▲ 0.9%€4,386within the sector's middle half▼ 93.6%€641below the sector's middle half▼ 85.4%
Equity€1.5mabove the sector's middle half▲ 12.0%€1.5mabove the sector's middle half▼ 0.6%€1.5mabove the sector's middle half▲ 4.5%€1.5mabove the sector's middle half▲ 0.2%€1.5mwithin the sector's middle half=
Total assets€2.7mabove the sector's middle half▲ 22.4%€2.5mwithin the sector's middle half▼ 8.1%€2.9mabove the sector's middle half▲ 13.5%€2.5mwithin the sector's middle half▼ 14.2%€2.8mwithin the sector's middle half▲ 16.0%
Debt€1.3m▲ 37.1%€1.1m▼ 16.7%€1.3m▲ 25.9%€920,478▼ 30.7%€1.3m▲ 42.6%
Working capital€1.5m▲ 13.3%€1.8m▲ 25.0%€1.7m▼ 5.8%€2.1m▲ 24.5%€2.5m▲ 15.3%
Solvency53.8%within the sector's middle half▼ 5.0pp58.1%within the sector's middle half▲ 4.4pp53.5%within the sector's middle half▼ 4.6pp62.5%within the sector's middle half▲ 9.0pp53.9%within the sector's middle half▼ 8.6pp
Staff (FTE)5.7within the sector's middle half▼ 27.8%7.5within the sector's middle half▲ 31.6%4.7within the sector's middle half▼ 37.3%5.7within the sector's middle half▲ 21.3%5.8within the sector's middle half▲ 1.8%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 47% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.8m
Fixed assets
€190,878 ▲ 192%
Current assets
€2.7m ▲ 11.2%
Equity and liabilities €2.8m
Equity
€1.5m =
Debt
€1.3m ▲ 42.6%
Debt's share of the balance-sheet total rises from 37.5% to 46.1%. Debt is higher.
Key figures and ratios
EBITDA
€101,828▲
2024 · €67,875
Cash flow
€29,241▲
2024 · €22,386
Current ratio
13.11▲
2024 · 9.17
Quick ratio
8.29▲
2024 · 5.22
Debt to equity
0.86▲
2024 · 0.60
ROE
0.0%▼
2024 · 0.3%
ROA
0.0%▼
2024 · 0.2%
Interest coverage
1.50▲
2024 · 1.16
Debt ≤ 1 year
€202,689▼
2024 · €260,478
Debt > 1 year
€1.1m▲
2024 · €660,000
Income taxes
€7,057▼
2024 · €8,620
Staff costs
€396,303▲
2024 · €364,455
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 16,986 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 | €323,149 | €370,145 | €439,173 | €364,455 | €396,303 | ▲ 8.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,163 | €1,425 | €10,941 | €18,000 | €28,601 | ▲ 58.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €6,588 | €745 | €10,971 | €3,208 | -€516 | ▼ 116% |
| Other operating charges640/8 | €5,882 | €6,513 | €3,968 | €4,138 | €4,538 | ▲ 9.7% |
| Gross operating margin9900 | €629,916 | €501,796 | €603,083 | €439,676 | €502,152 | ▲ 14.2% |
| Operating profit (loss)9901 | €282,135 | €122,969 | €138,030 | €49,875 | €73,227 | ▲ 46.8% |
| Financial income75/76B | €8,389 | €13,920 | €11,128 | €21,624 | €2,196 | ▼ 89.8% |
| Recurring financial income75 | €8,389 | €13,920 | €11,128 | €21,624 | €2,196 | ▼ 89.8% |
| Financial charges65/66B | €43,481 | €35,996 | €46,583 | €58,493 | €67,726 | ▲ 15.8% |
| Recurring financial charges65 | €43,481 | €35,996 | €46,583 | €58,493 | €67,726 | ▲ 15.8% |
| Profit (loss) for the period before taxes9903 | €247,043 | €100,893 | €102,575 | €13,006 | €7,697 | ▼ 40.8% |
| Income taxes67/77 | €87,622 | €33,333 | €34,409 | €8,620 | €7,057 | ▼ 18.1% |
| Profit (loss) for the period9904 | €159,420 | €67,560 | €68,166 | €4,386 | €641 | ▼ 85.4% |
| Transfer from tax-exempt reserves789 | €37,500 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €196,920 | €67,560 | €68,166 | €4,386 | €641 | ▼ 85.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.7m | €2.5m | €2.9m | €2.5m | €2.8m | ▲ 16.0% |
| Fixed assets21/28 | €21,625 | €20,200 | €66,556 | €65,406 | €190,878 | ▲ 192% |
| Tangible fixed assets22/27 | €7,125 | €5,700 | €52,056 | €50,906 | €176,378 | ▲ 246% |
| Plant, machinery and equipment23 | €7,125 | €5,700 | €4,309 | €2,917 | €56,552 | ▲ 1,839% |
| Furniture and vehicles24 | - | - | €47,747 | €47,989 | €119,826 | ▲ 150% |
| Financial fixed assets28 | €14,500 | €14,500 | €14,500 | €14,500 | €14,500 | = |
| Current assets29/58 | €2.7m | €2.5m | €2.8m | €2.4m | €2.7m | ▲ 11.2% |
| Stocks and contracts in progress3 | €915,088 | €1.0m | €1.1m | €1.0m | €976,742 | ▼ 5.0% |
| Stocks30/36 | €915,088 | €1.0m | €1.1m | €1.0m | €976,742 | ▼ 5.0% |
| Amounts receivable within one year40/41 | €968,208 | €1.2m | €1.6m | €1.2m | €1.6m | ▲ 29.6% |
| Trade receivables40 | €727,706 | €1.0m | €1.4m | €1.1m | €1.3m | ▲ 23.1% |
| Other amounts receivable41 | €240,502 | €176,123 | €179,147 | €170,005 | €288,775 | ▲ 69.9% |
| Cash at bank and in hand54/58 | €833,267 | €277,967 | €104,859 | €131,881 | €88,266 | ▼ 33.1% |
| Deferred charges and accrued income490/1 | €2,488 | €2,557 | €1,756 | €2,258 | €1,792 | ▼ 20.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.7m | €2.5m | €2.9m | €2.5m | €2.8m | ▲ 16.0% |
| Equity10/15 | €1.5m | €1.5m | €1.5m | €1.5m | €1.5m | = |
| Contributions10/11 | €287,000 | €287,000 | €287,000 | €287,000 | €287,000 | = |
| Capital10 | €287,000 | €287,000 | €287,000 | €287,000 | €287,000 | = |
| Issued capital100 | €287,000 | €287,000 | €287,000 | €287,000 | €287,000 | = |
| Reserves13 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Non-distributable reserves130/1 | €28,700 | €28,700 | €28,700 | €28,700 | €28,700 | = |
| Legal reserve130 | - | - | €28,700 | €28,700 | €28,700 | = |
| Reserves not available under the articles1311 | €28,700 | €28,700 | - | - | - | - |
| Distributable reserves133 | €1.2m | €1.1m | €1.2m | €1.2m | €1.2m | = |
| Profit (loss) carried forward14 | €294 | €304 | €4 | €4 | €645 | ▲ 15,362% |
| Amounts payable17/49 | €1.3m | €1.1m | €1.3m | €920,478 | €1.3m | ▲ 42.6% |
| Amounts payable after more than one year17 | - | €370,000 | €245,000 | €660,000 | €1.1m | ▲ 68.2% |
| Financial debts170/4 | - | €370,000 | €245,000 | €660,000 | €1.1m | ▲ 68.2% |
| Amounts payable within one year42/48 | €1.3m | €685,058 | €1.1m | €260,478 | €202,689 | ▼ 22.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €19,965 | - |
| Financial debts43 | €745,000 | - | - | - | - | - |
| Credit institutions430/8 | €745,000 | - | - | - | - | - |
| Trade debts44 | €441,870 | €556,538 | €908,918 | €143,536 | €20,896 | ▼ 85.4% |
| Suppliers440/4 | €441,870 | €556,538 | €908,918 | €143,536 | €20,896 | ▼ 85.4% |
| Taxes, remuneration and social security45 | €78,603 | €126,920 | €171,498 | €115,342 | €105,055 | ▼ 8.9% |
| Taxes450/3 | €46,787 | €89,933 | €134,825 | €60,772 | €67,405 | ▲ 10.9% |
| Remuneration and social security454/9 | €31,816 | €36,987 | €36,674 | €54,570 | €37,650 | ▼ 31.0% |
| Other amounts payable47/48 | €1,600 | €1,600 | €3,200 | €1,600 | €56,773 | ▲ 3,448% |
| Accrued charges and deferred income492/3 | - | €219 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €159,420 | €67,560 | €68,166 | €4,386 | €641 | ▼ 85.4% |
| + Depreciation and write-downs630 | €12,163 | €1,425 | €10,941 | €18,000 | €28,601 | ▲ 58.9% |
| Operating cash flow (approximation) | €171,583 | €68,985 | €79,107 | €22,386 | €29,241 | ▲ 30.6% |
| Investment in fixed assets (approximation) | - | €0 | -€57,297 | -€16,850 | -€154,072 | ▼ 814% |
| Change in cash | - | -€555,301 | -€173,108 | €27,023 | -€43,615 | ▼ 261% |
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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 9.17
Current ratio from 2.58 to 9.17; short-term debt falls from €1.1m to €260,478.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €159,420 ▲173%
Operating result €282,135, net result €159,420, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €333 ▼82.5%
Net result drops to €333, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Aalter · 2 establishment units since 1981
Ground area
2.0 ha
Building footprint
1.2 ha
Volume, LiDAR
112,467 m³
3 parcels, Flanders · tallest building 18.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Stationsstraat 76 A, 9880 Aalter
since 19812.019.315.118
Brugstraat 184, 9880 Aalter
since 20162.249.931.331
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44001B0010/00P000 | Flanders | 1.9 ha | 1 · 1.2 ha | 18.5 m · 3 fl. |
| 44001B0749/00A002 | Flanders | 775 m² | 1 · 98 m² | 13.1 m · 3 fl. |
| 44502C1095/00A000 | Flanders | 316 m² | 1 · 63 m² | - |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 1,209 EUR awarded · 1,209 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 990 EUR | 990 EUR |
| 2022 | 1 | 219 EUR | 219 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
984500BF22R06FC63D85
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Of 200 companies in sector 46425 we hold annual accounts for 135. 74 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded18-09-1981
Fiscal year end31-12
Activities, NACEBEL 2025
46425
46500Wholesale of information and communication equipment
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
E-invoicing
Reachable via Peppol
Peppol ID
0208:0421956631
Registered
24-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.