DIFLOR
ActiveDIFLOR has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €471k and a net result of €86k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 9984 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency72▲+10
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.9 in 2024), and 51.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
48.9%
Return on assets
9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
152 d late
2022
66 d late
2021
81 d late
2020
31 d late
2019
89 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€86k▼ 28.1%
2024 · €120k
2020: €127k
2021: €9k
2022: €32k
2023: €31k
2024: €120k
2020 → 2025
Working capital
€12k
2024 · €-41k
2020: €98k
2021: €-84k
2022: €-92k
2023: €-121k
2024: €-41k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€202k-€234k▲ 15.8%€264k▲ 13.1%€385k▲ 45.5%€471k▲ 22.5%
Operating result€29k-€68k▲ 132%€63k▼ 7.5%€200k▲ 217%€149k▼ 25.7%
Net result€9k-€32k▲ 262%€31k▼ 4.2%€120k▲ 293%€86k▼ 28.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €963k
Fixed assets
€540k▼ 2.1%
Current assets
€423k▲ 15.8%
Equity and liabilities €963k
Equity
€471k▲ 22.5%
Debt
€492k▼ 7.6%
The debt ratio falls from 58.0% to 51.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€182k▼
2024 · €231k
Cash flow
€120k▼
2024 · €151k
Solvency
48.9%▲
2024 · 42.0%
Current ratio
1.03▲
2024 · 0.90
Quick ratio
0.80▲
2024 · 0.71
Debt / equity
1.04▼
2024 · 1.38
ROE
18.4%▼
2024 · 31.3%
ROA
9.0%▼
2024 · 13.1%
Interest coverage
6.74▲
2024 · 6.32
Debt
€492k▼
2024 · €532k
Debt ≤ 1 year
€412k▲
2024 · €407k
Debt > 1 year
€79k▼
2024 · €118k
Income taxes
€36k▼
2024 · €44k
Staff costs
€184k▲
2024 · €177k
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
Total assets20/58€917k€963k▲
Fixed assets21/28€551k€540k▼
Tangible fixed assets22/27€548k€537k▼
Financial fixed assets28€3k€3k=
Current assets29/58€366k€423k▲
Stocks & contracts in progress3€77k€95k▲
Amounts receivable within one year40/41€115k€144k▲
Cash & bank54/58€170k€181k▲
Total equity & liabilities10/49€917k€963k▲
Equity10/15€385k€471k▲
Contributions / capital10/11€37k€37k=
Reserves13€85k€144k▲
Accumulated profits (losses)14€263k€290k▲
Amounts payable17/49€532k€492k▼
Amounts payable after one year17€118k€79k▼
Amounts payable within one year42/48€407k€412k▲
Trade debts payable within one year44€249k€332k▲
Income statement
Code20242025
Gross operating margin9900€430k€387k▼
Operating result9901€200k€149k▼
Financial income75€39€476▲
Financial charges65€37k€27k▼
Result before taxes9903€164k€122k▼
Income taxes67/77€44k€36k▼
Net result for the period9904€120k€86k▼
Result to be appropriated9905€120k€28k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 152 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 66 days late
03-04
State Gazette act
Registered-office change
François Catinus
2022
20-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 81 days late
2021
31-12
Financial
Weakest financial yearnet €9k ▼93.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 89 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 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.
0 of 5 acts read
About the unread acts
We know of 5 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
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
ETABLISSEMENTS ERIC WANSART
BE 0453.570.317
Vielsalm · Eq €471k
ZWAKHOVEN
BE 0474.494.108
As · Eq €471k
VERBIESE
BE 0405.467.918
Ieper · Eq €471k
SUNSET
BE 0434.309.679
Estaimpuis · Eq €471k
SOCIETE THUDINIENNE DE DISTRIBUTION
BE 0866.865.343
Thuin · Eq €474k
Of 1,264 companies in sector 47300 we hold annual accounts for 922. 663 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-1989
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
47120Other non-specialised retail sale
47191Retail trade
52122
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 15-07-2026. Scores and ratios are computed by Checked and are not a credit decision.