DIVALICHA
ActiveSummary
The computed 12-month bankruptcy probability of DIVALICHA is 6.2% (elevated). The 2025 annual accounts show negative equity (€-19k) and a net result of €-58k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 13305 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
19
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-72
Solvency15▼-28
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
6.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.2 against 0.33 in 2024; short-term debt: 69.5% and cash: 6.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-9.7%
Return on assets
-30.3%
Age of the figures
15 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-19k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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 · 4 filingsDeviation from the deadline
2025
3 d late
2024
6 d late
2023
233 d late
2022
42 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 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
Turnover
€505k
EBIT margin
5.1%
Net result
€-58k
2024 · €6k
2022: €24k
2023: €-156
2024: €6k
2022 → 2025
Working capital
€-107k▼ 89.7%
2024 · €-56k
2022: €-50k
2023: €-21k
2024: €-56k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€505k-
Equity€34k-€34k▼ 0.5%€40k▲ 18.4%€-19k
Operating result€26k-€3k▼ 88.4%€12k▲ 304%€-46k
Net result€24k-€-156€6k€-58k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €46k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€5k ▼ 9.0%
Current assets
€27k ▼ 0.7%
Key figures and ratios
EBITDA
€-15k▼
2024 · €44k
Cash flow
€-27k▼
2024 · €38k
Solvency
-9.7%▼
2024 · 17.7%
Current ratio
0.20▼
2024 · 0.33
Quick ratio
0.20▼
2024 · 0.31
Debt to equity
-11.36▼
2024 · 4.65
ROA
-30.3%▼
2024 · 2.7%
Interest coverage
-1.18▼
2024 · 22.23
Debt
€211k▲
2024 · €185k
Debt ≤ 1 year
€134k▲
2024 · €84k
Debt > 1 year
€77k▼
2024 · €101k
Income taxes
€-170▼
2024 · €4k
Staff costs
€103k▲
2024 · €85k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€224k€193k▼
Formation expenses20€192k€161k▼
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€27k€27k▼
Stocks and contracts in progress3€1k€295▼
Stocks30/36€1k€295▼
Amounts receivable within one year40/41-€14k
Other amounts receivable41-€14k
Cash at bank and in hand54/58€25k€13k▼
Deferred charges and accrued income490/1€748€337▼
Equity and liabilities
Total equity and liabilities10/49€224k€193k▼
Equity10/15€40k€-19k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€30k€-29k▼
Amounts payable17/49€185k€211k▲
Amounts payable after more than one year17€101k€77k▼
Financial debts170/4€101k€77k▼
Amounts payable within one year42/48€84k€134k▲
Current portion of amounts payable after more than one year42€36k€35k▼
Trade debts44€10k€69k▲
Suppliers440/4€10k€69k▲
Taxes, remuneration and social security45€15k€11k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€23k€19k▼
Income statement
Code20242025
Remuneration, social security and pensions62€85k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€32k=
Other operating charges640/8€5k€4k▼
Gross operating margin9900€133k€93k▼
Operating profit (loss)9901€12k€-46k▼
Financial charges65/66B€2k€12k▲
Recurring financial charges65€2k€12k▲
Profit (loss) for the period before taxes9903€10k€-58k▼
Income taxes67/77€4k€-170▼
Profit (loss) for the period9904€6k€-58k▼
Profit (loss) for the period to be appropriated9905€6k€-58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€-29k▼
Profit (loss) brought forward from the previous period14P€24k€30k▲
The notes to these accounts (6 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
30-06
Financial
Weakest financial yearnet €-58k ▼1046%
Net result drops to €-58k, the lowest in the series.
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 233 days late
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2023
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2021
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.
Grand'rue 666000 CharleroiGround area
1,038 m²
Building footprint
499 m²
Volume, LiDAR
2,898 m³
Parcel 52302A1107/00R000, Wallonia · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DOMINO'S PIZZA CHARLEROI
since 20212.320.733.314
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52302A1107/00R000 | Wallonia | 1,038 m² | 1 · 499 m² | 13.3 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.320.733.314
Similar companies · same sector, comparable size
L.B.C.D. INVEST
BE 0679.564.479
Mons · Eq €39,690
SUNRISE.EU
BE 0784.904.501
Tubize · Eq €39,701
SOL
BE 0453.435.408
Eupen · Eq €39,659
OTESIMA
BE 0507.621.586
Charleroi · Eq €39,718
WIP-IN SANDWICH & SALAD BAR
BE 1001.711.674
Tervuren · Eq €39,720
Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 8,457 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
Founded03-07-2021
Fiscal year end30-06
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.