DIVARI Consult
ActiveDIVARI Consult has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €57k. Its solvency ranks better than 67% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+19
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity ample (current ratio 3.0 against 2.17 in 2024; short-term debt: 25.7% and cash: 66.4% of total assets), and 27.7% 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 · 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
72.3%
Return on assets
35.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
68 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 94.9%
2024 · €60k
2024: €60k
2024 → 2025
Total assets
€162k▲ 42.3%
2024 · €114k
2024: €114k
2024 → 2025
Net result
€57k▼ 0.1%
2024 · €57k
2024: €57k
2024 → 2025
Working capital
€83k▲ 87.9%
2024 · €44k
2024: €44k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€60k-€117k▲ 94.9%
Operating result€73k-€73k▼ 0.4%
Net result€57k-€57k▼ 0.1%
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 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€37k▲ 17.6%
Current assets
€125k▲ 51.8%
Equity and liabilities €162k
Equity
€117k▲ 94.9%
Debt
€45k▼ 16.5%
The debt ratio falls from 47.2% to 27.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€82k▲
2024 · €79k
Cash flow
€66k▲
2024 · €63k
Solvency
72.3%▲
2024 · 52.8%
Current ratio
3.00▲
2024 · 2.17
Quick ratio
3.00▲
2024 · 2.17
Debt / equity
0.38▼
2024 · 0.89
ROE
48.7%▼
2024 · 95.0%
ROA
35.2%▼
2024 · 50.2%
Interest coverage
80.37▲
2024 · 68.90
Debt
€45k▼
2024 · €54k
Debt ≤ 1 year
€42k▲
2024 · €38k
Debt > 1 year
€3k▼
2024 · €16k
Income taxes
€15k▼
2024 · €15k
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€114k€162k▲
Fixed assets21/28€32k€37k▲
Tangible fixed assets22/27€32k€37k▲
Plant, machinery and equipment23-€761
Furniture and vehicles24€32k€24k▼
Other tangible fixed assets26-€12k
Current assets29/58€82k€125k▲
Amounts receivable within one year40/41€18k€17k▼
Trade receivables40€18k€17k▼
Other amounts receivable41€25€0▼
Cash at bank and in hand54/58€64k€108k▲
Equity and liabilities
Total equity and liabilities10/49€114k€162k▲
Equity10/15€60k€117k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€57k€114k▲
Amounts payable17/49€54k€45k▼
Amounts payable after more than one year17€16k€3k▼
Financial debts170/4€16k€3k▼
Amounts payable within one year42/48€38k€42k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€23k€24k▲
Taxes450/3€23k€24k▲
Other amounts payable47/48-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€375€258▼
Gross operating margin9900€80k€82k▲
Operating profit (loss)9901€73k€73k▼
Financial income75/76B€8€0▼
Recurring financial income75€8€0▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€72k€72k▼
Income taxes67/77€15k€15k▼
Profit (loss) for the period9904€57k€57k▼
Profit (loss) for the period to be appropriated9905€57k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€114k▲
Profit (loss) brought forward from the previous period14P-€57k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €117k ▲94.9%
2 profitable years in a row build equity to €117k.
24-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Kontich · 1 establishment unit since 2024
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.
Groeningenlei 962550 KontichGround area
2,686 m²
Building footprint
268 m²
Volume, LiDAR
1,515 m³
Parcel 11024B0019/00D002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIVARI Consult
since 20242.356.761.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0019/00D002 | Flanders | 2,686 m² | 1 · 268 m² | 8.7 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 · 465 EUR awarded · 465 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 465 EUR | 465 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.