DIVALO SERVICES
ActiveDIVALO SERVICES has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €470k and a net result of €104k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86=
Solvency89▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 5.04 in 2024; short-term debt: 36.3% and cash: 26.5% of total assets), and 36.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
63.7%
Return on assets
14.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
on the day
2022
6 d early
2021
23 d early
2020
4 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€470k▲ 5.7%
2024 · €445k
2019: €243k
2020: €323k
2021: €416k
2022: €408k
2023: €407k
2024: €445k
2019 → 2025
Total assets
€737k▲ 38.1%
2024 · €534k
2019: €289k
2020: €387k
2021: €489k
2022: €452k
2023: €493k
2024: €534k
2019 → 2025
Net result
€104k▲ 37.9%
2024 · €75k
2019: €39k
2020: €80k
2021: €93k
2022: €44k
2023: €42k
2024: €75k
2019 → 2025
Working capital
€417k▲ 15.8%
2024 · €360k
2019: €196k
2020: €280k
2021: €362k
2022: €264k
2023: €293k
2024: €360k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€416k-€408k▼ 1.8%€407k▼ 0.1%€445k▲ 9.2%€470k▲ 5.7%
Operating result€131k-€59k▼ 55.3%€57k▼ 3.2%€118k▲ 108%€153k▲ 29.9%
Net result€93k-€44k▼ 53.1%€42k▼ 3.7%€75k▲ 79.5%€104k▲ 37.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €737k
Fixed assets
€53k▼ 37.6%
Current assets
€685k▲ 52.3%
Equity and liabilities €737k
Equity
€470k▲ 5.7%
Debt
€267k▲ 200%
The debt ratio rises from 16.7% to 36.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€185k▲
2024 · €151k
Cash flow
€136k▲
2024 · €108k
Solvency
63.7%▼
2024 · 83.3%
Current ratio
2.56▼
2024 · 5.04
Quick ratio
2.51▼
2024 · 4.90
Debt / equity
0.57▲
2024 · 0.20
ROE
22.1%▲
2024 · 16.9%
ROA
14.1%▼
2024 · 14.1%
Interest coverage
133.79▲
2024 · 12.36
Debt
€267k▲
2024 · €89k
Debt ≤ 1 year
€267k▲
2024 · €89k
Income taxes
€48k▲
2024 · €38k
Staff costs
€9k▲
2024 · €-724
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€534k€737k▲
Fixed assets21/28€84k€53k▼
Tangible fixed assets22/27€84k€53k▼
Land and buildings22€12k€11k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€1k€388▼
Other tangible fixed assets26€65k€38k▼
Current assets29/58€449k€685k▲
Stocks and contracts in progress3€13k€13k▲
Stocks30/36€13k€13k▲
Amounts receivable within one year40/41€293k€476k▲
Trade receivables40€248k€476k▲
Other amounts receivable41€45k€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€139k€195k▲
Deferred charges and accrued income490/1€4k€880▼
Equity and liabilities
Total equity and liabilities10/49€534k€737k▲
Equity10/15€445k€470k▲
Contributions10/11€19k€19k=
Reserves13€426k€451k▲
Distributable reserves133€426k€451k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€89k€267k▲
Amounts payable within one year42/48€89k€267k▲
Trade debts44€6k€92k▲
Suppliers440/4€6k€92k▲
Taxes, remuneration and social security45€45k€36k▼
Taxes450/3€45k€36k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€38k€139k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-724€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€32k▼
Other operating charges640/8€766€797▲
Gross operating margin9900€151k€195k▲
Operating profit (loss)9901€118k€153k▲
Financial income75/76B€7k€91▼
Recurring financial income75€7k€91▼
Financial charges65/66B€12k€1k▼
Recurring financial charges65€12k€1k▼
Profit (loss) for the period before taxes9903€113k€152k▲
Income taxes67/77€38k€48k▲
Profit (loss) for the period9904€75k€104k▲
Profit (loss) for the period to be appropriated9905€75k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€104k▲
Transfer from equity791/2€38k€79k▲
Transfer to equity691/2€75k€104k▲
To other reserves6921€75k€104k▲
Profit to be distributed694/7€38k€79k▲
Return on contributions (dividend)694€38k€79k▲
The notes to these accounts (5 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €104k ▲37.9%
Operating result €153k, net result €104k, both a record.
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
08-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
17-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalter · 1 establishment unit since 1994
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.
Lostraat 519880 AalterGround area
329 m²
Building footprint
295 m²
Volume, LiDAR
2,147 m³
Parcel 44502C0111/00V000, Flanders · tallest building 24.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIVALO SERVICES
since 19942.068.180.055
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44502C0111/00V000 | Flanders | 329 m² | 1 · 295 m² | 24.1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-1994
Fiscal year end31-03
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.