DIVA
ActiveSummary
DIVA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302,417 and a net result of €585. Equity is growing by ~5.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-12
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 21.62 against 3.13 in 2024; short-term debt: 1.6% and cash: 2% of total assets), and 1.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
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
98.4%
Return on assets
0.2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 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
11 d late
2024
4 d late
2023
1 d early
2022
84 d late
2021
432 d late
2020
763 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 188 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€302,417▲ 0.2%
2024 · €301,832
Total assets
€307,312▼ 12.2%
2024 · €349,846
Net result
€585▼ 99.0%
2024 · €58,962
Working capital
€100,915▲ 8.6%
2024 · €92,965
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€36,841▲ 941%€1,069▼ 97.1%-€28,248-€7,936▲ 71.9%-€6,617▲ 16.6%
Net result€26,730▲ 230%€2,958▼ 88.9%-€22,425€58,962€585▼ 99.0%
Equity€262,338▲ 11.3%€265,296▲ 1.1%€242,871▼ 8.5%€301,832▲ 24.3%€302,417▲ 0.2%
Total assets€655,252▲ 0.9%€633,160▼ 3.4%€367,720▼ 41.9%€349,846▼ 4.9%€307,312▼ 12.2%
Debt€392,914▼ 5.0%€367,864▼ 6.4%€124,850▼ 66.1%€48,014▼ 61.5%€4,895▼ 89.8%
Working capital€25,955€43,102▲ 66.1%€32,161▼ 25.4%€92,965▲ 189%€100,915▲ 8.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6,617 in 2025 against €7,936 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €307,312
Fixed assets
€201,502 ▼ 5.5%
Current assets
€105,810 ▼ 22.5%
Equity and liabilities €307,312
Equity
€302,417 ▲ 0.2%
Debt
€4,895 ▼ 89.8%
Debt's share of the balance-sheet total falls from 13.7% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14,664▲
2024 · €11,955
Cash flow
€21,866▼
2024 · €78,852
Current ratio
21.62▲
2024 · 3.13
Debt to equity
0.02▼
2024 · 0.16
ROE
0.2%▼
2024 · 19.5%
ROA
0.2%▼
2024 · 16.9%
Interest coverage
45.07▲
2024 · 4.89
Debt ≤ 1 year
€4,895▼
2024 · €43,647
Debt > 1 year
€0▼
2024 · €3,666
Income taxes
€173▲
2024 · -€67,883
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,027 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €47,000 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,622 | €18,957 | €19,437 | €19,890 | €21,281 | ▲ 7.0% |
| Other operating charges640/8 | €4,550 | €4,616 | €3,331 | €4,037 | €4,057 | ▲ 0.5% |
| Gross operating margin9900 | €60,013 | €24,642 | -€5,480 | €15,992 | €18,720 | ▲ 17.1% |
| Operating profit (loss)9901 | €36,841 | €1,069 | -€28,248 | -€7,936 | -€6,617 | ▲ 16.6% |
| Financial income75/76B | €2,040 | €5,202 | €137,410 | €1,457 | €7,700 | ▲ 428% |
| Recurring financial income75 | €2,040 | €5,202 | €2,105 | €1,457 | €7,700 | ▲ 428% |
| Non-recurring financial income76B | - | - | €135,305 | €0 | - | - |
| Financial charges65/66B | €2,523 | €2,977 | €11,280 | €2,443 | €325 | ▼ 86.7% |
| Recurring financial charges65 | €2,523 | €2,977 | €11,280 | €2,443 | €325 | ▼ 86.7% |
| Profit (loss) for the period before taxes9903 | €36,358 | €3,294 | €97,882 | -€8,921 | €758 | ▲ 108% |
| Income taxes67/77 | €9,628 | €335 | €120,307 | -€67,883 | €173 | ▲ 100% |
| Profit (loss) for the period9904 | €26,730 | €2,958 | -€22,425 | €58,962 | €585 | ▼ 99.0% |
| Profit (loss) for the period to be appropriated9905 | €26,730 | €2,958 | -€22,425 | €58,962 | €585 | ▼ 99.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €655,252 | €633,160 | €367,720 | €349,846 | €307,312 | ▼ 12.2% |
| Fixed assets21/28 | €254,086 | €235,753 | €220,078 | €213,234 | €201,502 | ▼ 5.5% |
| Tangible fixed assets22/27 | €254,086 | €235,753 | €220,078 | €213,234 | €201,502 | ▼ 5.5% |
| Land and buildings22 | €233,847 | €219,845 | €205,842 | €191,839 | €186,924 | ▼ 2.6% |
| Plant, machinery and equipment23 | €496 | €443 | €3,868 | €16,124 | €14,390 | ▼ 10.8% |
| Furniture and vehicles24 | - | €612 | €404 | €195 | €0 | ▼ 100% |
| Leasing and similar rights25 | €19,742 | €14,853 | €9,965 | €5,076 | €188 | ▼ 96.3% |
| Current assets29/58 | €401,166 | €397,407 | €147,642 | €136,612 | €105,810 | ▼ 22.5% |
| Amounts receivable within one year40/41 | €1,963 | €3,189 | €3,646 | €261 | €56,660 | ▲ 21,579% |
| Trade receivables40 | €0 | - | - | - | - | - |
| Other amounts receivable41 | €1,963 | €3,189 | €3,646 | €261 | €56,660 | ▲ 21,579% |
| Current investments50/53 | €254,869 | €355,887 | €132,306 | €131,668 | €41,393 | ▼ 68.6% |
| Cash at bank and in hand54/58 | €143,309 | €37,040 | €10,036 | €3,067 | €6,051 | ▲ 97.3% |
| Deferred charges and accrued income490/1 | €1,025 | €1,291 | €1,654 | €1,616 | €1,706 | ▲ 5.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €655,252 | €633,160 | €367,720 | €349,846 | €307,312 | ▼ 12.2% |
| Equity10/15 | €262,338 | €265,296 | €242,871 | €301,832 | €302,417 | ▲ 0.2% |
| Contributions10/11 | €152,300 | €152,300 | €152,300 | €152,300 | €152,300 | = |
| Capital10 | €152,300 | €152,300 | €152,300 | €152,300 | €152,300 | = |
| Issued capital100 | €152,300 | €152,300 | €152,300 | €152,300 | €152,300 | = |
| Reserves13 | €106,451 | €106,599 | €106,599 | €133,746 | €133,775 | = |
| Non-distributable reserves130/1 | €6,451 | €6,599 | €6,599 | €8,746 | €8,775 | ▲ 0.3% |
| Legal reserve130 | €6,451 | €6,599 | €6,599 | €8,746 | €8,775 | ▲ 0.3% |
| Distributable reserves133 | €100,000 | €100,000 | €100,000 | €125,000 | €125,000 | = |
| Profit (loss) carried forward14 | €3,587 | €6,397 | -€16,028 | €15,787 | €16,342 | ▲ 3.5% |
| Amounts payable17/49 | €392,914 | €367,864 | €124,850 | €48,014 | €4,895 | ▼ 89.8% |
| Amounts payable after more than one year17 | €16,384 | €12,240 | €8,001 | €3,666 | €0 | ▼ 100% |
| Financial debts170/4 | €16,384 | €12,240 | €8,001 | €3,666 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €375,210 | €354,305 | €115,480 | €43,647 | €4,895 | ▼ 88.8% |
| Current portion of amounts payable after more than one year42 | €4,052 | €4,144 | €4,238 | €4,335 | €3,666 | ▼ 15.4% |
| Financial debts43 | €199,396 | €199,122 | €0 | - | - | - |
| Credit institutions430/8 | €199,396 | €199,122 | €0 | - | - | - |
| Trade debts44 | €327 | €1,922 | €137 | €62 | €1,228 | ▲ 1,867% |
| Suppliers440/4 | €327 | €1,922 | €137 | €62 | €1,228 | ▲ 1,867% |
| Taxes, remuneration and social security45 | €9,059 | €9,059 | €9,059 | €0 | - | - |
| Taxes450/3 | €9,059 | €9,059 | €9,059 | €0 | - | - |
| Other amounts payable47/48 | €162,377 | €140,058 | €102,046 | €39,250 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €1,320 | €1,320 | €1,368 | €700 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,730 | €2,958 | -€22,425 | €58,962 | €585 | ▼ 99.0% |
| + Depreciation and write-downs630 | €18,622 | €18,957 | €19,437 | €19,890 | €21,281 | ▲ 7.0% |
| Operating cash flow (approximation) | €45,352 | €21,916 | -€2,988 | €78,852 | €21,866 | ▼ 72.3% |
| Investment in fixed assets (approximation) | - | -€625 | -€3,762 | -€13,046 | -€9,549 | ▲ 26.8% |
| Change in cash | - | -€106,269 | -€27,004 | -€6,969 | €2,984 | ▲ 143% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
State Gazette act
Reappointment: VAN HOOF Beatrijs (director and managing director)Resignation: VAN HOOF Beatrijs (director and managing director) · Appointment: VAN HOOF Beatrijs (sole director and managing director) · Statutes amendment13 facts ▸
State Gazette act
Reappointment: VAN HOOF Beatrijs (director and managing director)
Resignation: VAN HOOF Beatrijs (director and managing director) · Appointment: VAN HOOF Beatrijs (sole director and managing director) · Statutes amendment13 facts ▸
- General meeting, 22-07-2026
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Capital, €152.300
- Share class, stemgerechtigde aandelen op naam, 3320
- Director reappointment, VAN HOOF Beatrijs (director and managing director)
- Director resignation, VAN HOOF Beatrijs (director and managing director)
- Director appointment, VAN HOOF Beatrijs (sole director and managing director)
- Power of attorney
- Other statement, coördinatie van de statuten, akkoord dat coördinatie desgevallend wordt opgesteld en ondertekend door ondergetekende notaris
- +1 further facts in this act
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
30-06
Financial
Liquidity times 7current ratio 21.62
Current ratio from 3.13 to 21.62; short-term debt falls from €43,647 to €4,895.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Back to profitnet €58,962
Net result €58,962 after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.28 to 3.13; short-term debt falls from €115,480 to €43,647.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet -€22,425
Net result drops to -€22,425, the lowest in the series; recovery starts the following year.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 84 days late
08-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 432 days late
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 763 days late
2021
30-06
Financial
Liquidity triplescurrent ratio 1.07
Current ratio from 0.36 to 1.07; short-term debt falls from €413,720 to €375,210.
Show earlier events
2020
30-06
Financial
Back to profitnet €8,091
Net result €8,091 after one loss-making year.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 96 days late
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 director, 1 in day-to-day management, last change in 2026
Board 1
VAN HOOF Beatrijs
CurrentSole director and managing director · since 06-08-2026
Day-to-day management 1
VAN HOOF Beatrijs
CurrentSole director and managing director · since 06-08-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Pelt · 1 establishment unit since 1995
Ground area
170 m²
Building footprint
170 m²
Volume, LiDAR
1,998 m³
Parcel 72029A0823/00Z000, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Dorpsstraat 96, 3900 Pelt
since 19952.071.472.909
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029A0823/00Z000 | Flanders | 170 m² | 1 · 170 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2025, 1 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| VAN HOOF Beatrijs |
|
Articles of association
Who signs
The sole director
Annual meeting
Last Friday of November at 12:00
Duration
Unlimited
Purpose
Het geven van adviezen inzake verzekeringen, met uitzondering van de makelaardij in verzekeringen; Het geven van financiële en sociale adviezen; Onroerende activiteiten, met…
Full purpose (3 activities)
- Het geven van adviezen inzake verzekeringen, met uitzondering van de makelaardij in verzekeringen
- Het geven van financiële en sociale adviezen
- Onroerende activiteiten, met uitzondering van de makelaardij
Name clause
Registered office clause
Vlaams Gewest, bijhuizen of agentschappen in België of in het buitenland
Other statement
Uitgifte van effecten, alle effecten die niet door of krachtens de wet zijn verboden
Volstorting van de aandelen, per e-mail met opgave rekeningnummer
Bevoegdheden bestuursorgaan en interimdividend
Dagelijks bestuur
Voorstel verworpen, automatisch en van rechtswege zodra dividend wordt uitgekeerd dat bovenop dividend betrokken boekjaar gelijk is aan bedrag niet uitgekeerde…
1 more provision on this in the deed
Board rule
Algemene vergadering met inachtname van wettelijke bepalingen, gewone algemene vergadering in het boekjaar waarin hun mandaat volgens het benoemingsbesluit vers…
1 more provision on this in the deed
Liquidation rule
One provision in the deed
Other provisions
Voorwaarden en modaliteiten opgelegd door het Wetboek van Vennootschappen en Verenigingen, algemene vergadering
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Capital and shareholders
Capital over the years
- 06-08-2026 Capital stated in the act · 152,300 EUR · 3,320 shares
Identification & contact
Identification
Legal formPublic limited company
Founded08-02-1995
Fiscal year end30-06
E-invoicing
Reachable via Peppol
Peppol ID
0208:0454486966
Registered
24-11-2023
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.