DIVA CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of DIVA CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €27k and a net result of €39k. Equity is shrinking by ~18% per year across the filed fiscal years. Its solvency ranks better than 14% of 2198 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+67
Solvency29▲+6
Growth32=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.96 in 2024; short-term debt: 96.3% and cash: 31.7% of total assets), and 96.3% of the assets are financed with debt.
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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
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
3.7%
Return on assets
5.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 2198 sector peers (2025).
NBB · sector comparisonPosition among 2198 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 d early
2024
2 d early
2023
27 d early
2022
23 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€27k
2024 · €-12k
Total assets
€733k▲ 16.9%
2024 · €627k
Net result
€39k
2024 · €-52k
Working capital
€-19k▲ 28.4%
2024 · €-27k
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
Line2022202320242025
Operating result€55k-€3k▼ 94.8%€-52k€46k
Net result€39k-€-4k€-52k▼ 1,066%€39k
Equity€44k-€40k▼ 10.0%€-12k€27k
Total assets€714k-€657k▼ 8.0%€627k▼ 4.6%€733k▲ 16.9%
Debt€670k-€617k▼ 7.9%€638k▲ 3.5%€706k▲ 10.5%
Working capital€35k-€32k▼ 9.9%€-27k€-19k▲ 28.4%
Staff (FTE)2.3-3▲ 30.4%1.6▼ 46.7%1.6=
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €46k after a loss of €52k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €733k
Fixed assets
€46k ▲ 206%
Current assets
€686k ▲ 12.3%
Equity and liabilities €733k
Equity
€27k
Debt
€706k
Debt finances 96.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€53k▲
2024 · €-50k
Cash flow
€46k▲
2024 · €-50k
Current ratio
0.97▲
2024 · 0.96
Debt to equity
25.98▲
2024 · -54.22
ROE
143.3%
ROA
5.3%▲
2024 · -8.2%
Interest coverage
406.46▲
2024 · -604.08
Debt ≤ 1 year
€706k▲
2024 · €638k
Income taxes
€7k▲
2024 · €17
Staff costs
€48k▼
2024 · €55k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €69k | €75k | €55k | €48k | ▼ 11.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €1k | €7k | ▲ 381% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €45k | - | - |
| Other operating charges640/8 | €2k | €3k | €3k | €3k | ▼ 1.2% |
| Gross operating margin9900 | €128k | €83k | €52k | €104k | ▲ 99.5% |
| Operating profit (loss)9901 | €55k | €3k | €-52k | €46k | ▲ 189% |
| Financial income75/76B | - | €21 | - | - | - |
| Recurring financial income75 | - | €21 | - | - | - |
| Financial charges65/66B | €2k | €4k | €83 | €130 | ▲ 56.6% |
| Recurring financial charges65 | €2k | €4k | €83 | €130 | ▲ 56.6% |
| Profit (loss) for the period before taxes9903 | €53k | €-988 | €-52k | €46k | ▲ 189% |
| Income taxes67/77 | €14k | €3k | €17 | €7k | ▲ 42,033% |
| Profit (loss) for the period9904 | €39k | €-4k | €-52k | €39k | ▲ 175% |
| Profit (loss) for the period to be appropriated9905 | €39k | €-4k | €-52k | €39k | ▲ 175% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €714k | €657k | €627k | €733k | ▲ 16.9% |
| Fixed assets21/28 | €9k | €8k | €15k | €46k | ▲ 206% |
| Tangible fixed assets22/27 | €2k | €2k | €9k | €40k | ▲ 365% |
| Plant, machinery and equipment23 | - | - | €2k | €1k | ▼ 37.0% |
| Furniture and vehicles24 | €2k | €2k | €7k | €39k | ▲ 486% |
| Financial fixed assets28 | €7k | €7k | €7k | €7k | = |
| Current assets29/58 | €705k | €649k | €611k | €686k | ▲ 12.3% |
| Amounts receivable within one year40/41 | €524k | €547k | €565k | €452k | ▼ 19.9% |
| Trade receivables40 | €522k | €541k | €524k | €450k | ▼ 14.3% |
| Other amounts receivable41 | €2k | €5k | €40k | €3k | ▼ 93.4% |
| Cash at bank and in hand54/58 | €180k | €98k | €41k | €232k | ▲ 465% |
| Deferred charges and accrued income490/1 | €1k | €4k | €5k | €2k | ▼ 63.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €714k | €657k | €627k | €733k | ▲ 16.9% |
| Equity10/15 | €44k | €40k | €-12k | €27k | ▲ 331% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €39k | €35k | €-17k | €22k | ▲ 232% |
| Amounts payable17/49 | €670k | €617k | €638k | €706k | ▲ 10.5% |
| Amounts payable within one year42/48 | €670k | €617k | €638k | €706k | ▲ 10.5% |
| Trade debts44 | €626k | €590k | €631k | €667k | ▲ 5.7% |
| Suppliers440/4 | €626k | €590k | €631k | €667k | ▲ 5.7% |
| Taxes, remuneration and social security45 | €26k | €18k | €7k | €2k | ▼ 73.8% |
| Taxes450/3 | €17k | €5k | €2k | - | - |
| Remuneration and social security454/9 | €10k | €13k | €5k | €2k | ▼ 61.0% |
| Other amounts payable47/48 | €17k | €8k | - | €37k | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39k | €-4k | €-52k | €39k | ▲ 175% |
| + Depreciation and write-downs630 | €2k | €2k | €1k | €7k | ▲ 381% |
| Operating cash flow (approximation) | €41k | €-2k | €-50k | €46k | ▲ 191% |
| Investment in fixed assets (approximation) | - | €-1k | €-8k | €-38k | ▼ 350% |
| Change in cash | - | €-82k | €-57k | €191k | ▲ 438% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
Directors
9 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, Asse · 1 establishment unit since 2021
Ground area
5,629 m²
Building footprint
2,344 m²
Volume, LiDAR
25,302 m³
2 parcels, Flanders · tallest building 19.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
DIVA CONSTRUCT
since 20212.321.540.689
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0031/00L000 | Flanders | 4,522 m² | 1 · 1,237 m² | 19.4 m · 5 fl. |
| 23095B0028/00D002 | Flanders | 1,107 m² | 1 · 1,107 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
8 categoriesDIVA CONSTRUCT BV41643
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 12,244 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43230Insulation installation
43350Other building finishing work
43990Other specialised construction activities
77221Rental and leasing activities
Contact
E-mail
diva.construct@gmail.com
Phone
0493569043
Scores and ratios are computed by Checked and are not a credit decision.