DIRO - BOUW
ActiveDIRO - BOUW has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €10k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-7
Solvency84▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.24 against 2.03 in 2024; short-term debt: 18.5% and cash: 44.7% of total assets), and 41.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
58.9%
Return on assets
2.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
on the day
2023
1 d early
2022
1 d early
2021
on the day
2020
2 d early
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 1.1%
2024 · €201k
2019: €141k
2020: €143k
2021: €166k
2022: €190k
2023: €197k
2024: €201k
2019 → 2025
Total assets
€345k▲ 9.0%
2024 · €317k
2019: €199k
2020: €183k
2021: €353k
2022: €291k
2023: €262k
2024: €317k
2019 → 2025
Net result
€10k▲ 151%
2024 · €4k
2019: €8k
2020: €1k
2021: €23k
2022: €33k
2023: €7k
2024: €4k
2019 → 2025
Working capital
€144k▲ 68.4%
2024 · €85k
2019: €111k
2020: €123k
2021: €114k
2022: €143k
2023: €147k
2024: €85k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€166k-€190k▲ 15.0%€197k▲ 3.5%€201k▲ 2.0%€203k▲ 1.1%
Operating result€31k-€54k▲ 75.8%€18k▼ 67.4%€16k▼ 9.8%€31k▲ 97.6%
Net result€23k-€33k▲ 45.7%€7k▼ 80.1%€4k▼ 39.0%€10k▲ 151%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 98% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€138k▼ 7.4%
Current assets
€208k▲ 23.5%
Equity and liabilities €345k
Equity
€203k▲ 1.1%
Debt
€142k▲ 22.6%
The debt ratio rises from 36.5% to 41.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2024 · €50k
Cash flow
€41k▲
2024 · €38k
Solvency
58.9%▼
2024 · 63.5%
Current ratio
3.24▲
2024 · 2.03
Quick ratio
3.24▲
2024 · 2.03
Debt / equity
0.70▲
2024 · 0.58
ROE
5.0%▲
2024 · 2.0%
ROA
2.9%▲
2024 · 1.3%
Interest coverage
4.87▼
2024 · 7.61
Debt
€142k▲
2024 · €116k
Debt ≤ 1 year
€64k▼
2024 · €83k
Debt > 1 year
€78k▲
2024 · €33k
Income taxes
€10k▲
2024 · €6k
Staff costs
€0▲
2024 · €-2k
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
Assets
Total assets20/58€317k€345k▲
Fixed assets21/28€149k€138k▼
Tangible fixed assets22/27€149k€138k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€5k€11k▲
Furniture and vehicles24€142k€125k▼
Leasing and similar rights25€0-
Financial fixed assets28€123€123=
Current assets29/58€168k€208k▲
Amounts receivable within one year40/41€65k€49k▼
Trade receivables40€50k€19k▼
Other amounts receivable41€15k€30k▲
Cash at bank and in hand54/58€86k€154k▲
Deferred charges and accrued income490/1€17k€5k▼
Equity and liabilities
Total equity and liabilities10/49€317k€345k▲
Equity10/15€201k€203k▲
Contributions10/11€107k€107k=
Reserves13€94k€96k▲
Distributable reserves133€94k€96k▲
Amounts payable17/49€116k€142k▲
Amounts payable after more than one year17€33k€78k▲
Financial debts170/4€33k€78k▲
Amounts payable within one year42/48€83k€64k▼
Current portion of amounts payable after more than one year42€15k€32k▲
Trade debts44€68k€32k▼
Suppliers440/4€68k€32k▼
Taxes, remuneration and social security45€0€260▲
Taxes450/3€0€260▲
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0€26k▲
Remuneration, social security and pensions62€-2k€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€31k▼
Other operating charges640/8€997€1k▲
Non-recurring operating charges66A-€830
Gross operating margin9900€50k€65k▲
Operating profit (loss)9901€16k€31k▲
Financial income75/76B€516€1k▲
Recurring financial income75€516€1k▲
Financial charges65/66B€7k€13k▲
Recurring financial charges65€7k€13k▲
Profit (loss) for the period before taxes9903€10k€20k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€4k€10k▲
Profit (loss) for the period to be appropriated9905€4k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€10k▲
Transfer to equity691/2€4k€10k▲
To other reserves6921€4k€10k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200kEq €201k ▲2%
6 profitable years in a row build equity to €201k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €33k ▲45.7%
Operating result €54k, net result €33k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 4.38
Current ratio from 2.11 to 4.38; short-term debt falls from €102k to €42k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €166k ▲16%
3 profitable years in a row build equity to €166k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €1k ▼81.3%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ardooie · 1 establishment unit since 1997
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.
Berlingmolenstraat 618850 ArdooieGround area
1,283 m²
Building footprint
212 m²
Volume, LiDAR
970 m³
Parcel 36001B0382/00V003, Flanders · tallest building 11.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DIRO-BOUW
since 19972.084.512.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36001B0382/00V003 | Flanders | 1,283 m² | 1 · 212 m² | 11.2 m · 1 fl. |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 135 EUR awarded · 135 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6488XI2X0RG1615HK447
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-1997
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
45211
68121Development of residential building projects
43120Site preparation
43331Floor and wall tiling
45112
68110Buying and selling of own real estate
70111
70120
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.