Age5 yrs
Real estate2 parcels · 1,071 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of DIVA LVB is 2.1% (moderate). The 2025 annual accounts show equity of €70k and a net result of €-17k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 1429 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-12-2025, 36 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 26-12-2025 | 36 d early | 2025-00590507 |
| 30-06-2024 | 31-01-2025 | 26-12-2024 | 36 d early | 2024-00625101 |
| 30-06-2023 | 31-01-2024 | 26-12-2023 | 36 d early | 2023-00536860 |
| 30-06-2022 | 31-01-2023 | 15-01-2023 | 16 d early | 2023-20558219 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-17k
Working capital€88k-17.1%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 26-12-2025 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~15.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 42.6% | 23.6% | |
| Net result | €-17k | €7k | |
| Equity | €70k | €25k | |
| Gross operating margin | €29k | €34k | |
| Staff costs | €41k | €42k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P66
Stable position over 2022-2025
· n=1429-6720
P12
Weakening position over 2022-2025
· n=1426-6701
P71
Stable position over 2022-2025
· n=1431-6735
P46
Weakening position over 2022-2025
· n=1423-6680
Describes the position versus peers, not a forecast.
€-13k
-
22-25
€-17k
-
22-25
€-16k
-
22-25
€165k
-10.2%
22-25
€70k
-19.7%
22-25
€88k
-17.1%
22-25
1
0.0%
22-25
€41k
+9.3%
22-25
Show 11 other metrics
€326
-94.2%
22-25
€95k
-1.5%
22-25
€75k
-1.8%
22-25
€20k
0.0%
22-25
2.18
-9.1%
22-25
1.17
-14.5%
22-25
42.6%
-10.6%
22-25
1.35
+22.8%
22-25
-24.6%
-
22-25
-10.5%
-
22-25
-4.07
-
22-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-13k |
| Net profit | €-17k |
| Cash flow | €-16k |
| Staff costs | €41k |
| Income taxes | €326 |
| Dividends | - |
| Total assets | €165k |
| Equity | €70k |
| Debt | €95k |
| of which ≤ 1y | €75k |
| of which > 1y | €20k |
| Working capital | €88k |
| Employees (FTE) | 1.0 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 2.18 |
| Quick ratio | 1.17 |
| Working capital ratio | 53.3% |
| Solvency | 42.6% |
| Debt / equity | 1.35 |
| Long-term debt ratio | 0.29 |
| Interest coverage | -4.07 |
| Gross margin | - |
| Net margin | - |
| ROA | -10.5% |
| ROE | -24.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €165k |
| Fixed assets | 21/28 | €2k |
| Tangible fixed assets | 22/27 | €2k |
| Current assets | 29/58 | €163k |
| Stocks & contracts in progress | 3 | €75k |
| Amounts receivable within one year | 40/41 | €13k |
| Cash & bank | 54/58 | €73k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €165k |
| Equity | 10/15 | €70k |
| Contributions / capital | 10/11 | €20k |
| Reserves | 13 | €50k |
| Amounts payable | 17/49 | €95k |
| Amounts payable after one year | 17 | €20k |
| Amounts payable within one year | 42/48 | €75k |
| Trade debts payable within one year | 44 | €63k |
| Income statement | ||
| Gross operating margin | 9900 | €29k |
| Operating result | 9901 | €-14k |
| Financial income | 75 | €2 |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €-17k |
| Income taxes | 67/77 | €326 |
| Net result for the period | 9904 | €-17k |
| Result to be appropriated | 9905 | €-17k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed45
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationLukoil Torhout
since 20212.313.850.173
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,071 m²
Buildings2
Building footprint131 m²
Volume (LiDAR)572 m³
Tallest building8.7 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31523H0875/00W000 | Flanders | 1,034 m² | 1 · 94 m² | 7.9 m · 1 fl. |
| 31033I0617/00Y002 | Flanders | 37 m² | 1 · 37 m² | 8.7 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Address history · 2
30-10-2025
v3.2
09-04-2021
v3.2
All acts · 3
updated 9 months ago
2025
30-10-2025 Registered office moved from Ichtegem to Torhout
- Diksmuidebaan 117, 8480 Ichtegem → Revinzestraat 7, 8820 Torhout
Summary:
v3.2
2021
09-04-2021 Registered office moved from TORHOUT to Ichtegem
19-02-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured56
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
45
Profitability
0
Solvency
87
Growth
52
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 147 of the 3,293 companies in this sector. 102 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in vaste, vloeibare en gasvormige brandstoffen in gespecialiseerde winkels, m.u.v. motorbrandstoffen47781Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Detailhandel in motorbrandstoffen in gespecialiseerde winkels47300Detailhandel in motorbrandstoffen47300Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
| Legal nameNL | DIVA LVB |
Registered office
Revinzestraat 7
8820 Torhout, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.