DIVERCO
ActiveDIVERCO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €-4k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 89% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▲+2
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 6.21 against 4.93 in 2024; short-term debt: 9.2% and cash: 37.4% of total assets), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
29 d late
2021
30 d late
2020
30 d late
2019
22 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€48k
EBIT margin
0.4%
Net result
€-4k▲ 65.7%
2024 · €-11k
2018: €26k
2019: €-73k
2020: €29k
2021: €2k
2022: €-11k
2023: €-7k
2024: €-11k
2018 → 2025
Working capital
€160k▲ 15.7%
2024 · €138k
2018: €99k
2019: €84k
2020: €107k
2021: €128k
2022: €139k
2023: €135k
2024: €138k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€48k
Equity€335k-€323k▼ 3.4%€316k▼ 2.1%€305k▼ 3.5%€301k▼ 1.3%
Operating result€14k-€11k▼ 19.5%€187▼ 98.4%€-15k€-8k▲ 48.9%
Net result€2k-€-11k€-7k▲ 38.9%€-11k▼ 61.5%€-4k▲ 65.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€142k▼ 15.2%
Current assets
€190k▲ 9.9%
Equity and liabilities €332k
Equity
€301k▼ 1.3%
Debt
€31k▼ 12.8%
The debt ratio falls from 10.3% to 9.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-13k
Cash flow
€-1k▲
2024 · €-8k
Solvency
90.8%▲
2024 · 89.7%
Current ratio
6.21▲
2024 · 4.93
Quick ratio
6.21▲
2024 · 4.93
Debt / equity
0.10▼
2024 · 0.11
ROE
-1.3%▲
2024 · -3.7%
ROA
-1.2%▲
2024 · -3.3%
Interest coverage
-1004.60▼
2024 · -44.29
Debt
€31k▼
2024 · €35k
Debt ≤ 1 year
€31k▼
2024 · €35k
Income taxes
€-3k▲
2024 · €-4k
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€340k€332k▼
Fixed assets21/28€167k€142k▼
Tangible fixed assets22/27€127k€101k▼
Land and buildings22€126k€100k▼
Plant, machinery and equipment23€1k€1k=
Financial fixed assets28€41k€41k=
Current assets29/58€173k€190k▲
Amounts receivable within one year40/41€725-
Other amounts receivable41€725-
Current investments50/53€66k€66k=
Cash at bank and in hand54/58€106k€124k▲
Equity and liabilities
Total equity and liabilities10/49€340k€332k▼
Equity10/15€305k€301k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€297k€293k▼
Amounts payable17/49€35k€31k▼
Amounts payable within one year42/48€35k€31k▼
Trade debts44-€2k
Suppliers440/4-€2k
Other amounts payable47/48€35k€28k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€18k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-10k€-3k▲
Operating profit (loss)9901€-15k€-8k▲
Financial income75/76B€864€1k▲
Recurring financial income75€864€1k▲
Financial charges65/66B€283€5▼
Recurring financial charges65€283€5▼
Profit (loss) for the period before taxes9903€-15k€-7k▲
Income taxes67/77€-4k€-3k▲
Profit (loss) for the period9904€-11k€-4k▲
Profit (loss) for the period to be appropriated9905€-11k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€297k€293k▼
Profit (loss) brought forward from the previous period14P€308k€297k▼
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
2019
31-12
Financial
Weakest financial yearnet €-73k ▼377%
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kapellen · 1 establishment unit since 1997
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.
Asterlaan 12950 KapellenGround area
1,125 m²
Building footprint
224 m²
Volume, LiDAR
1,111 m³
Parcel 11902H0179/00A002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIVERCO BVBA
since 19972.084.136.258
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902H0179/00A002 | Flanders | 1,125 m² | 1 · 224 m² | 7.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900RK0G2YZG8N7K49
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ANAKODE
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DSB
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FRAGMATIX
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 6,171 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-1997
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.