DIVERMO
ActiveSummary
DIVERMO has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €533k and a net result of €143k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+5
Solvency100▲+20
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 1.01 in 2024; short-term debt: 13.6% and cash: 3.6% of total assets), and 22.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
77.6%
Return on assets
20.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €533k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
20 d early
2023
124 d early
2022
70 d early
2021
30 d early
2020
33 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€143k▲ 17.6%
2024 · €121k
2018: €56k
2019: €59k
2020: €71k
2021: €75k
2022: €89k
2023: €117k
2024: €121k
2018 → 2025
Working capital
€134k▲ 5,721%
2024 · €2k
2018: €395k
2019: €331k
2020: €185k
2021: €151k
2022: €65k
2023: €2k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€575k-€464k▼ 19.3%€391k▼ 15.7%€390k▼ 0.1%€533k▲ 36.6%
Operating result€112k-€126k▲ 11.9%€162k▲ 28.8%€167k▲ 2.9%€195k▲ 16.8%
Net result€75k-€89k▲ 18.6%€117k▲ 31.6%€121k▲ 3.8%€143k▲ 17.6%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €687k
Fixed assets
€459k ▼ 6.0%
Current assets
€228k ▲ 2.5%
Equity and liabilities €687k
Equity
€533k ▲ 36.6%
Debt
€154k ▼ 52.0%
Debt's share of the balance-sheet total falls from 45.1% to 22.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€228k▲
2024 · €208k
Cash flow
€176k▲
2024 · €163k
Current ratio
2.43▲
2024 · 1.01
Debt to equity
0.29▼
2024 · 0.82
ROE
26.8%▼
2024 · 31.1%
ROA
20.8%▲
2024 · 17.1%
Interest coverage
56.52▲
2024 · 45.01
Debt ≤ 1 year
€94k▼
2024 · €220k
Debt > 1 year
€60k▼
2024 · €100k
Income taxes
€48k▲
2024 · €40k
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 · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€710k€687k▼
Fixed assets21/28€488k€459k▼
Tangible fixed assets22/27€488k€459k▼
Land and buildings22€488k€459k▼
Current assets29/58€222k€228k▲
Amounts receivable within one year40/41€174k€203k▲
Trade receivables40€134k€203k▲
Other amounts receivable41€40k€0▼
Cash at bank and in hand54/58€49k€25k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€710k€687k▼
Equity10/15€390k€533k▲
Contributions10/11€342k€342k=
Capital10€342k€342k=
Issued capital100€342k€342k=
Reserves13€48k€191k▲
Non-distributable reserves130/1€43k€43k=
Legal reserve130€34k€34k=
Reserves not available under the articles1311€9k€9k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€3k€146k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€320k€154k▼
Amounts payable after more than one year17€100k€60k▼
Financial debts170/4€100k€60k▼
Amounts payable within one year42/48€220k€94k▼
Current portion of amounts payable after more than one year42€40k€40k=
Trade debts44€11k€0▼
Suppliers440/4€11k€0▼
Taxes, remuneration and social security45€47k€54k▲
Taxes450/3€47k€54k▲
Other amounts payable47/48€122k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€34k▼
Other operating charges640/8€72k€73k▲
Gross operating margin9900€279k€301k▲
Operating profit (loss)9901€167k€195k▲
Financial income75/76B-€5
Recurring financial income75-€5
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€162k€191k▲
Income taxes67/77€40k€48k▲
Profit (loss) for the period9904€121k€143k▲
Profit (loss) for the period to be appropriated9905€121k€143k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€143k▲
Transfer from equity791/2€507€0▼
Transfer to equity691/2-€143k
To other reserves6921-€143k
Profit to be distributed694/7€122k€0▼
Return on contributions (dividend)694€122k€0▼
The notes to these accounts (15 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €143k ▲17.6%
Operating result €195k, net result €143k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.43
Current ratio from 1.01 to 2.43; short-term debt falls from €220k to €94k.
31-12
Financial
Equity above €500kEq €533k ▲36.6%
8 profitable years in a row build equity to €533k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
13-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
State Gazette act
Demerger · Capital decrease
Statutes amendment · Power of attorney · Liesbet Degroote
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
10 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, Kortrijk · 1 establishment unit since 1975
Ground area
208 m²
Building footprint
229 m²
Volume, LiDAR
694 m³
Parcel 34016C0998/00S002, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DIVERMO
since 19752.011.339.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016C0998/00S002 | Flanders | 208 m² | 1 · 229 m² | 6.1 m · 1 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.
Structure & network
Acquisitions and mergers
1 transactionReceived in a demerger part of:Potteau - Labo
Similar companies · same sector, comparable size
Victoria Co-working Opco
BE 0766.460.742
Gent · Eq €533,225
MAISON DECOR
BE 0437.491.972
Bastogne · Eq €532,952
CARMEL IMMO
BE 0881.716.043
Oudergem · Eq €532,897
VAN HOVE TRUCK CENTER LEUVEN
BE 0400.627.618
Lier · Eq €532,719
De Keyzer Invest
BE 0426.413.087
Menen · Eq €532,527
Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 4,403 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 formPublic limited company
Founded24-07-1975
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.