DIRAMA
ActiveSummary
The computed 12-month bankruptcy probability of DIRAMA is 7.7% (elevated). The 2025 annual accounts show equity of €32,538 and a net result of -€4,267. Equity has been growing by about 18% per year since 2022. Its solvency ranks better than 18% of 9,898 sector peers (NACE 43, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 04-12-2020 Normal situation
- Activity
- Other specialised construction activities NACE 43990and 3 others
- Establishment unit
- 2.311.394.885 2970 Schilde, since 01-01-2021
- Financial year end
- 30 September
- Peppol
- Reachable since 31-10-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 7.7%
- Gross margin
- €5,390
- ▼ 72.5%
- Turnover
- ≈ €71,000
- estimated
- Loss
- €4,267
- Equity
- €32,538
- ▼ 11.6%
- Total assets
- €186,244
- ▲ 29.0%
- 2025 accounts filed 159 days after the deadline
Score breakdownraises riskLast filed accounts filed 159 days late; 2 of the last 3 accounts lateLiquidity: current ratio 1.12Founded in 2020Sector: Specialised construction activities (NACE 43)Show the evidence
Checked score
About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 19% of them on solvency, 8% on liquidity, 32% on profitability and 23% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 70 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 159 days after the deadline Filed on 6 October 2026, deadline 30 April 2026 (7 months after the close on 30 September 2025, Companies Code art. 3:10). Source: NBB, 2026-00550696.
Annual accounts 2025 filed on 06-10-2026 at the NBB all 4 filings
Every figure per financial year
The operating result for 2025 is a loss of €4,193, after a profit of €8,383 in 2024. It is the lowest result since 2022.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 30-09-2022 |
|---|---|
| Employees at the balance-sheet date | 2 |
| full-time | 2 |
| in full-time equivalents | 2 |
| Average over the year, in full-time equivalents | 0.9 |
| Joined | 3 |
| Left | 0 |
Source: social balance sheet in the 2022 annual accounts
Investments
| Item | 30-09-2022 | 30-09-2023 | 30-09-2024 | 30-09-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €25,308 | €8,216 | €2,169 | €8,174 |
| Depreciation and write-downs of the year | €1,780 | €5,690 | €7,243 | €8,112 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2025 · 1 entry · €130 awarded| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €12,430 | €26,123 | €1,570 | -€59 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,780 | €5,690 | €7,243 | €8,112 | ▲ 12.0% |
| Other operating charges640/8 | €627 | €1,072 | €2,412 | €1,530 | ▼ 36.6% |
| Gross operating margin9900 | €37,723 | €52,204 | €19,607 | €5,390 | ▼ 72.5% |
| Operating profit (loss)9901 | €22,886 | €19,319 | €8,383 | -€4,193 | - |
| Financial income75/76B | - | - | €43 | - | - |
| Recurring financial income75 | - | - | €43 | - | - |
| Financial charges65/66B | €766 | €926 | €458 | €74 | ▼ 83.8% |
| Recurring financial charges65 | €766 | €926 | €458 | €74 | ▼ 83.8% |
| Profit (loss) for the period before taxes9903 | €22,120 | €18,393 | €7,968 | -€4,267 | - |
| Income taxes67/77 | €10,000 | €5,000 | €1,676 | - | - |
| Profit (loss) for the period9904 | €12,120 | €13,393 | €6,292 | -€4,267 | - |
| Profit (loss) for the period to be appropriated9905 | €12,120 | €13,393 | €6,292 | -€4,267 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €111,598 | €184,623 | €144,355 | €186,244 | ▲ 29.0% |
| Fixed assets21/28 | €23,528 | €26,053 | €20,980 | €21,849 | ▲ 4.1% |
| Tangible fixed assets22/27 | €23,528 | €26,053 | €20,980 | €21,849 | ▲ 4.1% |
| Plant, machinery and equipment23 | €793 | €793 | €1,563 | €8,796 | ▲ 463% |
| Furniture and vehicles24 | €22,734 | €25,260 | €19,417 | €13,053 | ▼ 32.8% |
| Current assets29/58 | €88,070 | €158,570 | €123,375 | €164,394 | ▲ 33.2% |
| Stocks and contracts in progress3 | - | €12,275 | €10,525 | €11,044 | ▲ 4.9% |
| Stocks30/36 | - | €12,275 | €10,525 | €11,044 | ▲ 4.9% |
| Amounts receivable within one year40/41 | €35,623 | €130,960 | €95,772 | €139,090 | ▲ 45.2% |
| Trade receivables40 | €5,417 | €119,034 | €70,286 | €101,262 | ▲ 44.1% |
| Other amounts receivable41 | €30,206 | €11,926 | €25,487 | €37,829 | ▲ 48.4% |
| Current investments50/53 | - | - | - | €13,670 | - |
| Cash at bank and in hand54/58 | €41,188 | €385 | €16,865 | - | - |
| Deferred charges and accrued income490/1 | €11,259 | €14,950 | €213 | €591 | ▲ 178% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €111,598 | €184,623 | €144,355 | €186,244 | ▲ 29.0% |
| Equity10/15 | €17,120 | €30,513 | €36,805 | €32,538 | ▼ 11.6% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €12,120 | €25,513 | €31,805 | €27,538 | ▼ 13.4% |
| Amounts payable17/49 | €94,478 | €154,110 | €107,550 | €153,706 | ▲ 42.9% |
| Amounts payable after more than one year17 | €3,798 | €14,942 | €6,855 | €6,855 | = |
| Financial debts170/4 | €3,798 | €14,942 | €6,855 | €6,855 | = |
| Amounts payable within one year42/48 | €89,949 | €138,436 | €99,964 | €146,851 | ▲ 46.9% |
| Financial debts43 | €5,457 | €3,631 | €5,938 | - | - |
| Credit institutions430/8 | €5,457 | €3,631 | €5,938 | - | - |
| Trade debts44 | €82,187 | €83,287 | €52,828 | €100,475 | ▲ 90.2% |
| Suppliers440/4 | €82,187 | €83,287 | €52,828 | €100,475 | ▲ 90.2% |
| Taxes, remuneration and social security45 | - | €503 | €2,281 | €4,741 | ▲ 108% |
| Taxes450/3 | - | €503 | €2,179 | €4,741 | ▲ 118% |
| Remuneration and social security454/9 | - | - | €102 | - | - |
| Other amounts payable47/48 | €2,305 | €51,015 | €38,917 | €41,635 | ▲ 7.0% |
| Accrued charges and deferred income492/3 | €731 | €732 | €731 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,120 | €13,393 | €6,292 | -€4,267 | - |
| + Depreciation and write-downs630 | €1,780 | €5,690 | €7,243 | €8,112 | ▲ 12.0% |
| Operating cash flow (approximation) | €13,900 | €19,083 | €13,535 | €3,845 | ▼ 71.6% |
| Investment in fixed assets (approximation) | - | -€8,215 | -€2,170 | -€8,981 | ▼ 314% |
| Change in cash | - | -€40,803 | €16,480 | - | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 1,548 companies had the same profile as DIRAMA has now. Two years later, 91.3% were still going and 4.3% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DIRAMA itself is higher: 7.7% within 12 months. It rests on far more data about DIRAMA than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,548 companies, not a prediction for DIRAMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (4)
Timeline
Acts, filings and financial milestones
28-09
Gazette deed
Registered office moved from Brecht to SchildeNew seat: Bethaniëlei 59, 2970 Schilde · Previous seat: OOSTMALSEBAAN 1 2960 BRECHT1 point ▸
- Registered-office move, Bethaniëlei 59, 2970 Schilde
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Oostmalsebaan 1, 2960 Brecht until 01-09-2022 · act of 28-09-2022
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0759.435.863
Financial year and general meeting
Accounts at the NBBRecognitions · licences · registrations
Dual-learning approval
2 live approvals · 2 endedShow 2 ended approvals
Sites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11039A0069/00V000 | Flanders | 171 m² | - | - |