Checked.be
Active
BE 0798.199.340Private limited company
DIVERS'IMMO
Snijderstraat 17 ·3740 Bilzen-Hoeselt, Belgium· 3 yrs active
Sector: Real estate agency activities
(68310)
Conclusion
DIVERS'IMMO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €9k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 1363 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €46k |
| Net result | €9k |
| Better than sector | 83% |
| Active | 3 yrs |
Financial profile
89
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
97
Solvency
100
Growth
52
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€5k
estimate, not credit advice
Score history
86
2023
93
2024
100
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.04 (≥ 1.5)
+10
Quick ratio
Quick ratio 4.04 (≥ 1.0)
+5
Leverage
Debt/equity 0.33 (< 1.0)
+10
Profitability
ROE 19% (≥ 10%)
+10
Interest coverage
Interest coverage 7.0× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 17-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~21.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 75.3% | 22.9% | |
| Net result | €9k | €10k | |
| Equity | €46k | €44k | |
| Gross operating margin | €19k | €39k | |
| Total assets | €61k | €293k |
€17k
+14.6%
23-25
€9k
+22.2%
23-25
€9k
+21.5%
23-25
€61k
+47.4%
23-25
€46k
+23.9%
23-25
€46k
+24.8%
23-25
€6k
+15.4%
23-25
€15k
+248.0%
23-25
€15k
+248.0%
23-25
4.04
-57.4%
23-25
4.04
-57.4%
23-25
75.3%
-15.9%
23-25
0.33
+180.8%
23-25
19.3%
-1.4%
23-25
14.5%
-17.1%
23-25
7.02
+24.1%
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema |
| Revenue | - | - | - |
| EBITDA | €17k | €15k | €40k |
| Net profit | €9k | €7k | €25k |
| Cash flow | €9k | €8k | €25k |
| Staff costs | - | - | - |
| Income taxes | €6k | €5k | €13k |
| Dividends | - | - | - |
| Total assets | €61k | €42k | €85k |
| Equity | €46k | €37k | €30k |
| Debt | €15k | €4k | €55k |
| of which ≤ 1y | €15k | €4k | €55k |
| of which > 1y | - | - | - |
| Working capital | €46k | €37k | €29k |
| Employees (FTE) | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | 4.04 | 9.47 | 1.53 |
| Quick ratio | 4.04 | 9.47 | 1.53 |
| Working capital ratio | 75.1% | 88.8% | 34.6% |
| Solvency | 75.3% | 89.5% | 35.2% |
| Debt / equity | 0.33 | 0.12 | 1.84 |
| Long-term debt ratio | - | - | - |
| Interest coverage | 7.02 | 5.66 | 25.49 |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 14.5% | 17.5% | 29.3% |
| ROE | 19.3% | 19.6% | 83.3% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €61k | €42k | €85k |
| Fixed assets | 21/28 | €74 | €308 | €542 |
| Tangible fixed assets | 22/27 | €74 | €308 | €542 |
| Current assets | 29/58 | €61k | €41k | €85k |
| Amounts receivable within one year | 40/41 | €6k | €10k | €50k |
| Cash & bank | 54/58 | €4k | €31k | €34k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €61k | €42k | €85k |
| Equity | 10/15 | €46k | €37k | €30k |
| Contributions / capital | 10/11 | €5k | €5k | €5k |
| Reserves | 13 | €41k | €32k | €25k |
| Amounts payable | 17/49 | €15k | €4k | €55k |
| Amounts payable within one year | 42/48 | €15k | €4k | €55k |
| Trade debts payable within one year | 44 | €381 | €2k | €19k |
| Income statement | ||||
| Gross operating margin | 9900 | €19k | €16k | €41k |
| Operating result | 9901 | €17k | €15k | €39k |
| Financial income | 75 | €11 | €37 | - |
| Financial charges | 65 | €2k | €3k | €2k |
| Result before taxes | 9903 | €15k | €12k | €38k |
| Income taxes | 67/77 | €6k | €5k | €13k |
| Net result for the period | 9904 | €9k | €7k | €25k |
| Result to be appropriated | 9905 | €9k | €7k | €25k |
Legal Structure
| NACE primary | Real estate agency activities(68310) |
| Legal form | Private limited company(610) |
| Incorporation | 07-02-2023 |
| Status | Active |
| Postal code | 3740 |
Establishment units
DIVERS'IMMO
since 20232.342.869.902
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73071C0040/00K000 | Flanders | 757 m² | 1 · 133 m² | 8.6 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €7k ▼70.8%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 9.47
Current ratio from 1.53 to 9.47; short-term debt falls from €55k to €4k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Real estate agency activities68310Real estate activities68311Real estate appraisal on a fee or contract basis68322
Names & trade names
| Legal nameNL | DIVERS'IMMO |
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