DIFIOMI
ActiveSummary
DIFIOMI has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €63k and a net result of €28k. Equity is growing by ~113.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 4354 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▼-8
Solvency64▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.4 in 2023; short-term debt: 60.7% and cash: 25.1% of total assets), but 60.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
39.3%
Return on assets
17.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
21 d early
2022
30 d late
2021
45 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€63k▲ 78.6%
2023 · €35k
2021: €156
2022: €8k
2023: €35k
2021 → 2024
Total assets
€161k▲ 36.8%
2023 · €118k
2021: €277
2022: €93k
2023: €118k
2021 → 2024
Net result
€28k▲ 0.4%
2023 · €28k
2021: €-1k
2022: €8k
2023: €28k
2021 → 2024
Working capital
€59k▲ 78.3%
2023 · €33k
2021: €156
2022: €4k
2023: €33k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€156-€8k▲ 4,805%€35k▲ 361%€63k▲ 78.6%
Operating result€-1k-€10k€40k▲ 284%€41k▲ 1.7%
Net result€-1k-€8k€28k▲ 269%€28k▲ 0.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 2% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €161k
Fixed assets
€4k ▲ 82.5%
Current assets
€156k ▲ 35.8%
Equity and liabilities €161k
Equity
€63k ▲ 78.6%
Debt
€98k ▲ 18.8%
Debt's share of the balance-sheet total falls from 69.9% to 60.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43k▲
2023 · €41k
Cash flow
€30k▲
2023 · €29k
Current ratio
1.60▲
2023 · 1.40
Quick ratio
1.01▲
2023 · 0.72
Debt to equity
1.54▼
2023 · 2.32
ROE
44.0%▼
2023 · 78.3%
ROA
17.3%▼
2023 · 23.6%
Interest coverage
366.20▲
2023 · 290.05
Debt ≤ 1 year
€98k▲
2023 · €82k
Income taxes
€13k▲
2023 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€118k€161k▲
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€2k€4k▲
Plant, machinery and equipment23€2k€4k▲
Current assets29/58€115k€156k▲
Stocks and contracts in progress3€56k€58k▲
Stocks30/36€56k€58k▲
Amounts receivable within one year40/41€21k€58k▲
Trade receivables40€21k€55k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€38k€40k▲
Deferred charges and accrued income490/1€265-
Equity and liabilities
Total equity and liabilities10/49€118k€161k▲
Equity10/15€35k€63k▲
Contributions10/11€2k€2k=
Reserves13€30k€55k▲
Distributable reserves133€30k€55k▲
Profit (loss) carried forward14€4k€7k▲
Amounts payable17/49€82k€98k▲
Amounts payable within one year42/48€82k€98k▲
Trade debts44€68k€91k▲
Suppliers440/4€68k€91k▲
Taxes, remuneration and social security45€14k€7k▼
Taxes450/3€14k€7k▼
Other amounts payable47/48-€64
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€448€451▲
Gross operating margin9900€42k€43k▲
Operating profit (loss)9901€40k€41k▲
Financial income75/76B€8€43▲
Recurring financial income75€8€43▲
Financial charges65/66B€142€117▼
Recurring financial charges65€142€117▼
Profit (loss) for the period before taxes9903€40k€40k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€28k€28k▲
Profit (loss) for the period to be appropriated9905€28k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€32k▲
Profit (loss) brought forward from the previous period14P€1k€4k▲
Transfer to equity691/2€25k€25k=
To other reserves6921€25k€25k=
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2021net €28k ▲0.4%
Operating result €41k, net result €28k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, La Louvière · 1 establishment unit since 2020
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.
Rue des Bouchers(H-G) 27110 La LouvièreGround area
225 m²
Building footprint
426 m²
Parcel 55020C0621/00Y009, Wallonia. Linked by address, not a title deed.
1 establishment unit
FORMULA WINE
since 20202.306.497.672
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55020C0621/00Y009 | Wallonia | 225 m² | 1 · 426 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Atelier Aloïs
BE 0803.072.106
Grimbergen · Eq €63,164
AED Geuens
BE 0741.931.026
Balen · Eq €63,596
Evi Beukeleers
BE 0789.380.654
Heist-op-den-Berg · Eq €62,800
DECOROOM
BE 0721.721.867
Elsene · Eq €62,592
DECOR - LUX
BE 0467.175.556
Fontaine-l'Evêque · Eq €63,865
Of 1,449 companies in sector 74130 we hold annual accounts for 341. 283 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:alfio@difiomi.be
Phone:0495184843