Equity
€183,412 from €1.8m in 2023
Equity fell by 90% in 3 years.
DIFIN
Overview
Lifetime
11 annual accounts with figures on one time axispeak €107,541 (2022)
-€12,168▲ €17,039
lowest -€825,673 (2025)
-€15,111▲ €810,563
peak €1.8m (2023)
€183,412▼ 19.5%
-not published
Board1 name since 2023
-
Documentsfilings and deeds
28-09-2026125 days before the deadline
2026micro format
Gross margin from -€29,207 to -€12,168Loss of €15,111Dividend €29,412Equity from €227,935 to €183,412
Key points
from the 2026 annual accountsLosses
-€974,124 in three years
Every financial year from 2024 to 2026 closed with a loss. 2025 was the heaviest.
Position in the sector
-€15,111
Lower net result than 90% of companies in financial services. Sector median €35,024 · 495 companies.
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered office moved within Hasselt
New registered office: Speculaaslaan 23, 3500 Hasselt · Previous registered office: Heidestraat 6B, 3500 Hasselt · Board meeting of 03-08-2023 · Gazette deed
Change of role: , from manager to director
Director discharge: · General meeting of 15-03-2023 · Gazette deed
Incorporation
published on 17-02-2015 · Gazette deed
First establishment
Heidestraat 6B, Hasselt
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DIFIN Hasselt | €183,412 | -€12,168 | 100.0% | - |
| NIKAFIN Hasselt | €245,370 | -€22,464 | 97.8% | - |
| Noémie Aelterman Knokke-Heist | €180,418 | -€30,044 | 21.4% | - |
| NA² Financial Services Antwerp | €178,155 | -€30,476 | -838.8% | - |
| ANLOFIA Izegem | €186,519 | -€22,740 | -8794.9% | - |
| BC Projects Knokke-Heist | €198,196 | -€50,170 | 83.5% | - |
| C.N. DIFFUSION Dison | €201,024 | -€14,775 | 20.9% | - |
These companies have the same main activity as DIFIN: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €178,000 and €245,000, founded between 2014 and 2015.
Official details
Source: KBO- Status
- Active since 13-02-2015Normal situation
- Activity
- Activities of holding companiesNACE 64210and 2 others
- Establishment unit
- 2.257.556.3233500 Hasselt, since 13-02-2015
- Financial year end
- 30 June
- Peppol
- Reachable
Annual accounts to 30-06-2026
- €15,111▼ 98.2%
- €183,412▼ 19.5%
- €183,412▼ 20.6%
- Filing
- Filed on 28-09-2026, 125 days before the end of the filing period
Insights on DIFIN
DIFIN files the micro format. That format states no turnover. The gross margin fell from €4,822 in 2016 to -€12,168 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2026
micro format, filed on 28-09-2026, 125 days before the deadline€183,412
▼ 19.5%
€183,412
▼ 20.6%
-€15,111
▲ €810,563
100.0%
▲ 1.3 percentage points
-8.2%
▲ 354.0 percentage points
-8.2%
▲ 349.3 percentage points
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €183,412 on 30-06-2026What the company ownsHow it is paid for
in euro
in euro
Position in the sector
100.0%
Higher than 95% of 10,277 companies in 2025.
-8.2%
Lower than 95% of 10,128 companies in 2025.
DIFIN
Middle half of the sector
80% of the sector
Micro accounts in financial services (NACE 64)
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
183,412 | 230,932 | 1.2m | 1.8m | 335,665 | 615,867 | 97,795 | 60,170 | 62,973 | 58,261 | 32,027 | |
21/28 |
808 | 1,598 | 1,746 | 759 | 86,662 | 22,559 | 22,959 | 21,000 | 1,000 | 1,000 | 1,000 | |
22/27 |
808 | 1,598 | 1,746 | 759 | 1,159 | 1,559 | 1,959 | - | - | - | - | |
23 |
808 | 1,598 | 1,746 | 759 | 1,159 | 1,559 | 1,959 | - | - | - | - | |
28 |
- | - | - | - | 85,503 | 21,000 | 21,000 | 21,000 | 1,000 | 1,000 | 1,000 | |
29/58 |
182,604 | 229,334 | 1.2m | 1.8m | 249,003 | 593,308 | 74,835 | 39,170 | 61,973 | 57,261 | 31,027 | |
29 |
78,000 | 114,000 | 562,500 | 887,500 | - | - | - | - | - | - | - | |
291 |
78,000 | 114,000 | 562,500 | 887,500 | - | - | - | - | - | - | - | |
40/41 |
61,160 | 62,418 | 438,059 | 666,729 | 148,772 | 219,696 | 51,923 | 23,797 | 18,611 | 20,809 | 15,788 | |
40 |
4 | 1,640 | - | - | - | - | 13,942 | 7,744 | 3,872 | 7,260 | 3,388 | |
41 |
61,156 | 60,778 | 438,059 | 666,729 | 148,772 | 219,696 | 37,981 | 16,053 | 14,739 | 13,549 | 12,400 | |
50/53 |
- | - | 1,395 | - | - | - | - | - | - | - | - | |
54/58 |
43,445 | 52,916 | 193,244 | 268,325 | 100,231 | 373,612 | 22,912 | 15,373 | 43,362 | 36,452 | 15,239 | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
183,412 | 230,932 | 1.2m | 1.8m | 335,665 | 615,867 | 97,795 | 60,170 | 62,973 | 58,261 | 32,027 | |
10/15 |
183,412 | 227,935 | 1.2m | 1.8m | 279,657 | 196,448 | 43,754 | 33,238 | 59,918 | 55,883 | 15,446 | |
10/11 |
18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 12,400 | 12,400 | 12,400 | 12,400 | |
100 |
- | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | - | 6,200 | 6,200 | 6,200 | 6,200 | |
13 |
1.1m | 1.2m | 1.3m | 1.8m | 261,057 | 177,848 | 25,154 | 20,838 | 47,518 | 43,483 | 3,046 | |
130/1 |
1.1m | 1.2m | 1.3m | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
130 |
- | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,240 | |
1311 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | |
1319 |
1.1m | 1.2m | 1.3m | - | - | - | - | - | - | - | - | |
133 |
- | - | - | 1.8m | 259,197 | 175,988 | 23,294 | 18,978 | 45,658 | 41,623 | 1,806 | |
14 |
-974,124 | -959,013 | -133,339 | - | - | - | - | - | - | - | - | |
17/49 |
- | 2,997 | 2,159 | 24,601 | 56,008 | 419,419 | 54,041 | 26,932 | 3,055 | 2,378 | 16,581 | |
42/48 |
- | 2,997 | 1,800 | 24,601 | 11,008 | 419,419 | 54,041 | 26,932 | 3,055 | 2,378 | 16,581 | |
44 |
- | 2,997 | - | 372 | 399 | 179 | 280 | 106 | - | - | - | |
440/4 |
- | 2,997 | - | 372 | 399 | 179 | 280 | 106 | - | - | - | |
45 |
- | - | 914 | 23,343 | 10,608 | 37,740 | 3,261 | 1,826 | 3,055 | 2,378 | 2,047 | |
450/3 |
- | - | 160 | 23,343 | 10,608 | 37,008 | 2,521 | 1,826 | 3,055 | 2,378 | 2,047 | |
454/9 |
- | - | 753 | - | - | 732 | 740 | - | - | - | - | |
47/48 |
- | - | 886 | 886 | - | 381,500 | 50,500 | 25,000 | - | - | 14,534 | |
492/3 |
- | - | 359 | - | 45,000 | - | - | - | - | - | - | |
| Income statement | ||||||||||||
76A |
- | 886 | - | - | - | - | - | - | - | - | - | |
9900 |
-12,168 | -29,207 | -127,397 | 68,914 | 107,541 | 91,267 | 3,963 | 3,851 | 5,522 | 5,060 | 4,822 | |
630 |
289 | 697 | 460 | 400 | 400 | 400 | 41 | - | - | - | - | |
640/8 |
998 | 449 | 1,576 | 62 | 547 | 410 | - | 410 | 410 | 819 | 354 | |
66A |
1,622 | 795,000 | - | - | - | - | - | - | - | - | - | |
9901 |
-15,077 | -825,354 | -129,434 | 68,452 | 106,595 | 90,458 | 3,922 | 3,442 | 5,112 | 4,241 | 4,468 | |
75/76B |
229 | 248 | 0 | 1.7m | 6,337 | 745,225 | 2,272 | 26,318 | 1,190 | 38,649 | - | |
75 |
229 | - | - | - | 6,337 | 745,225 | 2,272 | 26,318 | 1,190 | 38,649 | - | |
76B |
- | 248 | 0 | 1.7m | - | - | - | - | - | - | - | |
65/66B |
263 | 184 | 3,905 | 1,174 | 237 | 137 | 168 | 148 | 429 | 106 | 0 | |
65 |
263 | 184 | 3,905 | 1,174 | 237 | 137 | 168 | 148 | 429 | 106 | 0 | |
9903 |
-15,111 | -825,289 | -133,339 | 1.8m | 112,695 | 835,546 | 6,026 | 29,612 | 5,873 | 42,785 | 4,468 | |
67/77 |
- | 384 | - | 18,524 | 29,486 | 25,499 | 1,711 | 997 | 1,839 | 2,347 | 1,422 | |
9904 |
-15,111 | -825,673 | -133,339 | 1.8m | 83,209 | 810,047 | 4,316 | 28,614 | 4,034 | 40,437 | 3,046 | |
9905 |
-15,111 | -825,673 | -133,339 | 1.8m | 83,209 | 810,047 | 4,316 | 28,614 | 4,034 | 40,437 | 3,046 | |
| Appropriation of the result | ||||||||||||
9906 |
-974,124 | -959,013 | -133,339 | 1.8m | 83,209 | 810,047 | 4,316 | 28,614 | 4,034 | 40,437 | 3,046 | |
14P |
-959,013 | -133,339 | - | - | - | - | - | - | - | - | - | |
791/2 |
29,412 | 141,176 | 470,588 | 259,157 | - | - | - | 35,294 | - | - | - | |
691/2 |
- | - | - | 1.8m | 83,209 | 152,694 | 4,316 | 8,614 | 4,034 | 40,437 | 3,046 | |
6920 |
- | - | - | - | - | - | - | - | - | 620 | 1,240 | |
6921 |
- | - | - | 1.8m | 83,209 | 152,694 | 4,316 | 8,614 | 4,034 | 39,817 | 1,806 | |
694/7 |
29,412 | 141,176 | 470,588 | 259,157 | - | 657,353 | - | 55,294 | - | - | - | |
694 |
29,412 | 141,176 | 470,588 | 259,157 | - | 657,353 | - | 55,294 | - | - | - | |
| Document | ||||||||||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2026 at the NBB, filed on 28-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2026 | micro format | 28-09-2026 | 2026-00532460 | |
| 30-06-2025 | micro format | 09-01-2026 | 2026-00004842 | |
| 30-06-2024 | micro format | 31-05-2025 | 2025-00127753 | |
| 30-06-2023 | micro format | 31-01-2024 | 2024-00015176 | |
| 30-06-2022 | micro format | 26-12-2022 | 2022-20546615 | |
| 30-06-2021 | micro format | 31-01-2022 | 2022-03400540 | |
| 30-06-2020 | micro format | 31-01-2021 | 2021-04600574 | |
| 30-06-2019 | micro format | 29-01-2020 | 2020-03700242 | |
| 30-06-2018 | micro format | 29-01-2019 | 2019-03600338 | |
| 30-06-2017 | micro format | 29-01-2018 | 2018-03200301 | |
| 30-06-2016 | abbreviated format | 08-01-2017 | 2017-00900267 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -501 | 549 | 1,447 | -85,503 | 64,503 | 0 | 2,000 | 20,000 | - | - | 1,000 | ||
| -9,471 | -140,328 | -75,082 | 168,095 | -273,382 | 350,700 | 7,540 | -27,989 | 6,910 | 21,212 | - | ||
| 100.0% | 98.7% | 99.8% | 98.7% | 83.3% | 31.9% | 44.7% | 55.2% | 95.1% | 95.9% | 48.2% | ||
| -8.2% | -362.2% | -11.2% | 98.9% | 29.8% | 412.3% | 9.9% | 86.1% | 6.7% | 72.4% | 19.7% | ||
| -8.2% | -357.5% | -11.1% | 97.5% | 24.8% | 131.5% | 4.4% | 47.6% | 6.4% | 69.4% | 9.5% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-06-2026 | 30-06-2025 | 30-06-2024 | 30-06-2023 | 30-06-2022 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €549 | €1,447 | - | - |
| Financial fixed assets | - | - | - | - | €64,503 |
| €289 | €697 | €460 | €400 | €400 |
Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)
Insights on DIFIN
The operating result for 2026 is a loss of €15,077, smaller than the loss of €825,354 in 2025.
Large changes and their cause
- 2023 Net result +2,037% on 2022. The 2023 profit included a one-off income of €1,729,458.
Board & ownership
Board
1 office holder, last change in 2023Director (not named in the articles)
appointed by deed of 07-04-2023
term without a fixed end
earlier manager, until 07-04-2023
Mandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Other functionEarliermandate already running before its first mention
Mandates as a list
-
- Manager, until 07-04-2023
- Director (not named in the articles), appointed by deed of 07-04-2023, still in office
Control
Capital
- Contribution
- €18,600
- Shares
- 100
- Contribution per share
- €186
- Equity per share
- €1,834 in 2026
- Source
- 2026 annual accounts
Articles of association
deed of 07-04-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 December at 18:00
Network & group
No group
DIFIN has no parent and no holdings in its annual accounts. DIFIN shares no director with another company.
Timeline
Timeline
24 events since 2015Board
Filings
Financial
Establishments
Address
201620182020202220242026
Deadline for the 2027 accounts: 31-01-2028
2026
Annual accounts 2026 filed NBBmicro format · 125 days before the deadline
Annual accounts 2025 filed PDFmicro format · 22 days before the deadline
2025
Weakest financial year net -€825,673 The net result drops to -€825,673, the lowest from 2016 to 2026. It recovers the following year.
Annual accounts 2024 filed PDFmicro format · 120 days late
2024
Liquidity more than 8 times current ratio 664.08 The current ratio rises from 74.08 to 664.08. Short-term debt falls from €24,601 to €1,800.
Annual accounts 2023 filed PDFmicro format · on the deadline day
2023
Registered office moved within HasseltNew registered office: Speculaaslaan 23, 3500 Hasselt · Previous registered office: Heidestraat 6B, 3500 Hasselt · Board meeting of 03-08-20232 points ▸
- Board meeting, 03-08-2023
- Registered-office move, Speculaaslaan 23, 3500 Hasselt
Highest result from 2016 to 2026 net €1.8m ▲2,037% The net result of €1.8m is the highest of those years.
Liquidity more than triples current ratio 74.08 The current ratio rises from 22.62 to 74.08.
Equity above €1m equity €1.8m ▲543% Equity rises from €279,657 to €1.8m.
Change of role: , from manager to directorDirector discharge: · General meeting of 15-03-20237 points ▸
- General meeting, 15-03-2023
- 100 shares
- Director resignation, (manager)
- Director appointment, (director (not named in the articles))
- Director discharge,
- Registered office clause, Heidestraat6B, 3500Hasselt
- Power of attorney,
- The deed holds 4 more points.
2022
Annual accounts 2022 filed PDFmicro format · 36 days before the deadline
Liquidity more than 15 times current ratio 22.62 The current ratio rises from 1.41 to 22.62. Short-term debt falls from €419,419 to €11,008.
Equity above €200,000 equity €279,657 ▲42.4% Equity rises from €196,448 to €279,657.
Annual accounts 2021 filed PDFmicro format · on the deadline day
2021
Equity above €150,000 equity €196,448 ▲349% Equity rises from €43,754 to €196,448.
Annual accounts 2020 filed PDFmicro format · on the deadline day
2020
Annual accounts 2019 filed PDFmicro format · 2 days before the deadline
2019
Annual accounts 2018 filed PDFmicro format · 2 days before the deadline
2018
Annual accounts 2017 filed PDFmicro format · 2 days before the deadline
2017
Liquidity more than 12 times current ratio 24.08 The current ratio rises from 1.87 to 24.08. Short-term debt falls from €16,581 to €2,378.
Annual accounts 2016 filed PDFabbreviated format · 23 days before the deadline
Financial 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
Identity
- Enterprise number
- 0597.982.828
- VAT number
- BE 0597.982.828
- Peppol ID
- 0208:0597982828
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 13-02-2015
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 December at 18:00deed of 07-04-2023 (in Dutch)
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DIFIN in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 07-04-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 07-04-2023 (in Dutch)
Activities
NACEBEL 202564210
Activities of holding companies main activity
62100
Computer programming
Codes under NACEBEL 2008
64200
Holdings main activity
62010
Computer programming, consultancy and related activities
70220
Business consulting
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het waarnemen van bestuursmandaten; Het beheer in de ruimste zin van het woord van onroerende goederen,welke ondermeer omvat: de…”deed of 07-04-2023 (in Dutch)
15 activities
- Het waarnemen van bestuursmandaten.
- Het beheer in de ruimste zin van het woord van onroerende goederen,welke ondermeer omvat: de verwerving,de vervreemding,het beheer,de borgstelling,de uitbating,de valorisatie,de verkaveling,de ordening,de huur en de verhuur het doen bouwen en verbouwen,de prokuratie en het makelen in onroerende goederen,evenals alle welkdanige onroerende verhandelingen in de meest brede zin,met inbegrip van onroerende leasing.
- Het beheren van roerende goederen,meer bepaald van aandelen,obligaties en allerhande roerende waarden,daaronder begrepen,de aankoop,de verkoop,arbitrage van dergelijke waarden.
- Consulting op het gebied van bedrijfsbeheer,management en marketing.
- Het adviseren in financiële,economische,sociale,organisatorische en administratieve zaken,met uitzondering van het beleggingsadvies aan derden.
- Het verrichten van administratieve werkzaamheden,het organiseren van cursussen en vergaderingen.
- Tussenpersoon in de handel.
- De agentuur bij het afsluiten van verzekeringen,hypotheken,financieringen en projectontwikkeling.
- Het beheer,de exploitatie en het verlenen van licenties.
- De participatie onder welke vorm het ook zij,de oprichting,ontwikkeling,omvorming en controle van alle ondernemingen,belgische of buitenlandse,commerciële,financiële,industriële of andere: de verwerving van eender welke titels of rechten door middel van participatie,inbreng,onderschrijving,koop op vaste levering of aankoopoptie,verhandeling of op iedere andere wijze.
- Zij mag alle roerende of onroerende,handels-,nijverheids- en financiële zaken verrichten die rechtstreeks of onrechtstreeks in verband staan met haar voorwerp.Dit alles in de meest uitgebreide betekenis van de termen.
- Zij mag tevens om het even welke gelijkaardige handelingen stellen die van aard zouden zijn,de verwezenlijking van haar voorwerp te vergemakkelijken of uit te breiden.
- Zij mag zich borg stellen voor en waarborgen verlenen ten gunste van derden.
- De vennootschap mag haar voorwerp verwezenlijken,zowel in het binnen-als in het buitenland,op alle wijzen die zij het best geschikt zal achten.
- De vennootschap mag op welke wijze ook betrokken zijn inzake,ondernemingen of vennootschappen die hetzelfde,een soortgelijk,een gelijkaardig of samenhangend voorwerp hebben of die de ontwikkeling van haar onderneming kunnen bevorderen,haar grondstoffen kunnen leveren,of de afzet van haar produkten kunnen vergemakkelijken.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Speculaaslaan 23 registered office 3500 Hasselt | ||
| Heidestraat 6B 3500 Hasselt | 13-02-2015 | 2.257.556.323 |
Buildings and parcels at the addresses
- Ground area
- 834 m²
- Buildings
- 561 m²
- Volume, LiDAR
- 3,069 m³
- Tallest building
- 8.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 71323C0655/00R000 | 588 m² | 1 · 470 m² | 8.1 m · 2 |
| 71324E0569/00S005 | 246 m² | 1 · 91 m² | 6.6 m · 2 |