Debts
Of this, €32,984 falls due within a year.
Of this, €32,984 falls due within a year.
A director left. Latest change 09-09-2026 · 1 in office.
Less equity than 85% of companies in specialised construction. Sector median €57,762 · 35,072 companies.
The dashed line is the sector median: 0.7% across 47,692 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 18% of them on solvency, 7% on liquidity and 25% on profitability.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,271 companies had the same profile as DIVEI has now. Each dot stands for 4 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DIVEI itself: 3.0% within 12 months.
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,271 companies, not a prediction for DIVEI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| DIVEI Waasmunster | €45,194 | €153,043 | 16.1% | - |
| MAUX DE TOITURE Berchem-Sainte-Agathe | €55,708 | €119,929 | 22.0% | - |
| QG TOITURES Tournai | €37,064 | €121,804 | 25.8% | 1.6 |
| BLACK ROOF Hechtel-Eksel | €54,394 | €112,699 | 69.8% | - |
| ACM CONSTRUCT Juprelle | €66,924 | €130,272 | 65.9% | - |
| ARDOISE Waterloo | €69,398 | €158,652 | 4.3% | - |
| GZ TOITURE Manage | €50,347 | €89,942 | 75.6% | - |
These companies have the same main activity as DIVEI: roofing work (NACE 43410). They are comparable in size and age: total assets between €37,100 and €69,400, founded in 2024.
The computed 12-month bankruptcy probability of DIVEI is 3.0% (moderate). The 2025 annual accounts show equity of €7,280 and a net result of -€720.
Its solvency ranks better than 19% of 35,060 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €500,000. Estimated: probably between €380,000 and €700,000.
Higher than 19% of 35,060 companies in 2025.
Higher than 26% of 34,437 companies in 2025.
Higher than 20% of 34,637 companies in 2025.
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Staff costs divided by the average number of full-time equivalents.
| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
Total assets20/58 |
45,194 | |
Fixed assets21/28 |
8,513 | |
Tangible fixed assets22/27 |
8,513 | |
Furniture and vehicles24 |
8,513 | |
Current assets29/58 |
36,681 | |
Stocks and contracts in progress3 |
10,000 | |
Contracts in progress37 |
10,000 | |
Amounts receivable within one year40/41 |
22,574 | |
Trade receivables40 |
20,067 | |
Other amounts receivable41 |
2,506 | |
Cash at bank and in hand54/58 |
814 | |
Deferred charges and accrued income490/1 |
3,294 | |
| Balance sheet: equity and liabilities | ||
Total equity and liabilities10/49 |
45,194 | |
Equity10/15 |
7,280 | |
Contributions10/11 |
8,000 | |
Profit (loss) carried forward14 |
-720 | |
Amounts payable17/49 |
37,914 | |
Amounts payable after more than one year17 |
4,930 | |
Financial debts170/4 |
4,930 | |
Amounts payable within one year42/48 |
32,984 | |
Current portion of amounts payable after more than one year42 |
3,085 | |
Trade debts44 |
16,298 | |
Suppliers440/4 |
16,298 | |
Taxes, remuneration and social security45 |
13,601 | |
Taxes450/3 |
893 | |
Remuneration and social security454/9 |
12,708 | |
| Income statement | ||
Gross operating margin9900 |
153,043 | |
Remuneration, social security and pensions62 |
149,549 | |
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 |
1,987 | |
Other operating charges640/8 |
1,171 | |
Operating profit (loss)9901 |
336 | |
Financial income75/76B |
378 | |
Recurring financial income75 |
378 | |
Financial charges65/66B |
541 | |
Recurring financial charges65 |
541 | |
Profit (loss) for the period before taxes9903 |
173 | |
Income taxes67/77 |
893 | |
Profit (loss) for the period9904 |
-720 | |
Profit (loss) for the period to be appropriated9905 |
-720 | |
| Appropriation of the result | ||
Profit (loss) to be appropriated9906 |
-720 | |
| Social balance sheet | ||
Average staff (FTE)9087 |
2.5 | |
Hours worked1013 |
4,316 | |
| Document | ||
The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-07-2026 | 2026-00354819 |
| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €569 | €569 |
| 2024 | 1 | €209 | €209 |
| Line | Trend | 2025 |
|---|---|---|
| EBITDA | 2,323 | |
| Cash flow | 1,267 | |
| Investment in fixed assets | 10,500 | |
| Working capital | 3,697 | |
| Solvency | 16.1% | |
| Current ratio | 1.11 | |
| Quick ratio | 0.81 | |
| Debt to equity | 5.21 | |
| ROE | -9.9% | |
| ROA | -1.6% | |
| Interest coverage | 4.29 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 2 |
| full-time | 1 |
| part-time | 1 |
| in full-time equivalents | 1.1 |
| Average over the year, in full-time equivalents | 2.5 |
| On a permanent contract | 2 |
| Joined | 52 |
| Left | 53 |
Source: social balance sheet in the 2025 annual accounts
| Item | 2025 |
|---|---|
| Tangible fixed assets | €10,500 |
| Financial fixed assets | €0 |
| Depreciation and write-downs of the year | €1,987 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Debt's share of the balance-sheet total is 83.9%.
DIVEI has no parent and no holdings in its annual accounts. MATEV Dimitar is the only director. DIVEI shares no director with another company.
| Mateva, Petya (sole trader)
establishment since 15-08-2026 |
founded in 2026 1041.148.609 |
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Hoogstraat 26 registered office 9250 Waasmunster | 01-10-2024 | 2.364.195.549 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 42342C1293/00F000 | 185 m² | 1 · 121 m² | 9.3 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1014.155.685
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