DIVENTI
ActiveSummary
DIVENTI has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €115k and a net result of €-23k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability23▲+1
Solvency54▼-11
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.42 against 1.65 in 2023; short-term debt: 70.6% and cash: 0.2% of total assets), and 70.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
29.4%
Return on assets
-5.9%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-23k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-05-2026, 278 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
278 d late
2023
44 d late
2022
28 d early
2021
30 d early
2020
19 d late
2019
16 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€115k▼ 16.7%
2023 · €138k
2018: €427k
2019: €440k
2020: €442k
2021: €425k
2022: €418k
2023: €138k
2018 → 2024
Total assets
€391k▲ 12.0%
2023 · €349k
2018: €918k
2019: €1.06M
2020: €641k
2021: €585k
2022: €590k
2023: €349k
2018 → 2024
Net result
€-23k▼ 365%
2023 · €-5k
2018: €8k
2019: €12k
2020: €2k
2021: €-17k
2022: €-7k
2023: €-5k
2018 → 2024
Working capital
€115k▼ 16.7%
2023 · €138k
2018: €425k
2019: €437k
2020: €440k
2021: €424k
2022: €418k
2023: €138k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€442k-€425k▼ 3.8%€418k▼ 1.6%€138k▼ 67.0%€115k▼ 16.7%
Operating result€13k-€-8k€1k€7k▲ 403%€-7k
Net result€2k-€-17k€-7k▲ 58.1%€-5k▲ 28.6%€-23k▼ 365%
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 2024: a loss of €7k after €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €391k
Equity
€115k ▼ 16.7%
Debt
€276k ▲ 30.8%
Debt's share of the balance-sheet total rises from 60.5% to 70.6%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.42▼
2023 · 1.65
Quick ratio
0.73▼
2023 · 1.17
Debt to equity
2.40▲
2023 · 1.53
ROE
-20.1%▼
2023 · -3.6%
ROA
-5.9%▼
2023 · -1.4%
Debt ≤ 1 year
€276k▲
2023 · €211k
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 · 2024 against 2023 · 36 lines
Balance sheet
Code20232024
Assets
Total assets20/58€349k€391k▲
Current assets29/58€349k€391k▲
Stocks and contracts in progress3€102k€190k▲
Stocks30/36€102k€190k▲
Amounts receivable within one year40/41€241k€200k▼
Trade receivables40€303€303=
Other amounts receivable41€241k€200k▼
Cash at bank and in hand54/58€6k€853▼
Equity and liabilities
Total equity and liabilities10/49€349k€391k▲
Equity10/15€138k€115k▼
Reserves13€138k€115k▼
Distributable reserves133€138k€115k▼
Amounts payable17/49€211k€276k▲
Amounts payable within one year42/48€211k€276k▲
Financial debts43€175k€244k▲
Credit institutions430/8€21-
Other loans439€175k€244k▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€28k€28k=
Taxes450/3€28k€28k=
Other amounts payable47/48€865€865=
Income statement
Code20232024
Non-recurring operating income76A€475€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€269-
Other operating charges640/8€745€2k▲
Gross operating margin9900€8k€-6k▼
Operating profit (loss)9901€7k€-7k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€12k€16k▲
Recurring financial charges65€12k€16k▲
Profit (loss) for the period before taxes9903€-5k€-23k▼
Profit (loss) for the period9904€-5k€-23k▼
Profit (loss) for the period to be appropriated9905€-5k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-23k▼
Transfer from equity791/2€5k€23k▲
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 278 days late
2024
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €12k ▲51.5%
Operating result €28k, net result €12k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, La Louvière
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.
Rue du Rivage(M) 1057110 La LouvièreGround area
405 m²
Building footprint
92 m²
Volume, LiDAR
599 m³
Parcel 55026A0067/00P006, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55026A0067/00P006 | Wallonia | 405 m² | 1 · 92 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.
Similar companies · same sector, comparable size
ILIO BATIMENT
BE 0694.861.874
Seraing · Eq €115,074
BAT-INNOVATION
BE 0598.827.223
Baelen · Eq €115,054
KL.IMMO
BE 0738.499.206
Baelen · Eq €115,106
PAVA BOUW
BE 0684.924.027
Maldegem · Eq €115,129
ISO CENTRE
BE 0780.765.866
La Louvière · Eq €114,996
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,015 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
Founded19-07-2001
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.