Divak
ActiveSummary
Divak has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €9k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 20% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-13
Solvency40▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.02 in 2024; short-term debt: 10.1% and cash: 1.1% of total assets), and 85.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
14.7%
Return on assets
2%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 20%
← weakest
strongest →
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 17-12-2025, 45 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
45 d early
2024
42 d early
2023
40 d early
2022
19 d early
2021
39 d early
← before the deadline
after the deadline →
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▲ 16.1%
2024 · €58k
2021: €31k
2022: €49k
2023: €36k
2024: €58k
2021 → 2025
Total assets
€459k▼ 2.3%
2024 · €469k
2021: €178k
2022: €280k
2023: €419k
2024: €469k
2021 → 2025
Net result
€9k▼ 56.9%
2024 · €22k
2021: €29k
2022: €18k
2023: €-13k
2024: €22k
2021 → 2025
Working capital
€-38k▲ 79.3%
2024 · €-186k
2021: €32k
2022: €-16k
2023: €-138k
2024: €-186k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€49k▲ 58.5%€36k▼ 26.3%€58k▲ 59.3%€67k▲ 16.1%
Operating result€40k-€31k▼ 22.9%€-7k€31k€22k▼ 28.7%
Net result€29k-€18k▼ 36.4%€-13k€22k€9k▼ 56.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €459k
Fixed assets
€451k ▼ 3.2%
Current assets
€8k ▲ 114%
Equity and liabilities €459k
Equity
€67k ▲ 16.1%
Debt
€391k ▼ 4.9%
Debt's share of the balance-sheet total falls from 87.6% to 85.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €46k
Cash flow
€24k▼
2024 · €37k
Current ratio
0.17▲
2024 · 0.02
Debt to equity
5.81▼
2024 · 7.09
ROE
13.8%▼
2024 · 37.2%
ROA
2.0%▼
2024 · 4.6%
Interest coverage
4.86▼
2024 · 7.83
Debt ≤ 1 year
€46k▼
2024 · €190k
Debt > 1 year
€345k▲
2024 · €222k
Income taxes
€5k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€469k€459k▼
Formation expenses20€0€0=
Fixed assets21/28€466k€451k▼
Tangible fixed assets22/27€416k€401k▼
Land and buildings22€416k€401k▼
Plant, machinery and equipment23€0€0=
Financial fixed assets28€50k€50k=
Current assets29/58€4k€8k▲
Amounts receivable within one year40/41€266€266=
Other amounts receivable41€266€266=
Cash at bank and in hand54/58€1k€5k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€469k€459k▼
Equity10/15€58k€67k▲
Contributions10/11€3k€3k=
Reserves13€56k€65k▲
Tax-exempt reserves132€7k€7k=
Distributable reserves133€49k€58k▲
Amounts payable17/49€411k€391k▼
Amounts payable after more than one year17€222k€345k▲
Financial debts170/4€222k€345k▲
Amounts payable within one year42/48€190k€46k▼
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€13k€5k▼
Suppliers440/4€13k€5k▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€155k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€5k€1k▼
Gross operating margin9900€51k€38k▼
Operating profit (loss)9901€31k€22k▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€25k€14k▼
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€22k€9k▼
Profit (loss) for the period to be appropriated9905€22k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€9k▲
Profit (loss) brought forward from the previous period14P€-13k-
Transfer to equity691/2€9k€9k▲
To other reserves6921€9k€9k▲
The notes to these accounts (9 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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-13k ▼171%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Opwijk · 1 establishment unit since 2019
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.
Stwg. op Aalst 1341745 OpwijkGround area
383 m²
Building footprint
108 m²
Parcel 23752H0249/00G004, Flanders. Linked by address, not a title deed.
1 establishment unit
Divak
since 20192.294.781.656
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752H0249/00G004 | Flanders | 383 m² | 1 · 108 m² | - |
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.
Similar companies · same sector, comparable size
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Kalkuul Consult
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GVQ
BE 0885.532.992
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Nouwen-Craps Consult
BE 0507.688.201
Peer · Eq €67,345
PEDEGE
BE 0471.634.883
Affligem · Eq €67,363
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,496 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2019
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.