DIVERSO
ActiveSummary
DIVERSO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248k and a net result of €40k. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+4
Solvency85▼-7
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 5.38 in 2024; short-term debt: 40% and cash: 15.7% of total assets), and 40.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
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
59.7%
Return on assets
9.7%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
2023
5 d late
2022
31 d late
2021
29 d late
2020
16 d early
2019
4 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€248k▼ 5.2%
2024 · €262k
Total assets
€416k▲ 6.5%
2024 · €390k
Net result
€40k▲ 63.4%
2024 · €25k
Working capital
€243k▼ 21.6%
2024 · €310k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€38k€-77k€32k€32k▼ 1.5%€54k▲ 70.4%
Net result€29k€-79k€30k€25k▼ 16.4%€40k▲ 63.4%
Equity€286k▲ 11.2%€208k▼ 27.5%€237k▲ 14.3%€262k▲ 10.4%€248k▼ 5.2%
Total assets€439k▲ 13.8%€384k▼ 12.5%€389k▲ 1.4%€390k▲ 0.3%€416k▲ 6.5%
Debt€152k▲ 19.0%€176k▲ 15.5%€152k▼ 13.7%€128k▼ 15.5%€168k▲ 30.5%
Working capital€346k▲ 38.9%€249k▼ 28.2%€261k▲ 5.0%€310k▲ 18.6%€243k▼ 21.6%
Staff (FTE)0.10.2▲ 100%0.10.2▲ 100%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 70% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €416k
Fixed assets
€6k ▼ 34.4%
Current assets
€410k ▲ 7.5%
Equity and liabilities €416k
Equity
€248k ▼ 5.2%
Debt
€168k ▲ 30.5%
Debt's share of the balance-sheet total rises from 32.9% to 40.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €35k
Cash flow
€44k▲
2024 · €28k
Current ratio
2.46▼
2024 · 5.38
Quick ratio
0.88▲
2024 · 0.76
Debt to equity
0.67▲
2024 · 0.49
ROE
16.3%▲
2024 · 9.4%
ROA
9.7%▲
2024 · 6.3%
Interest coverage
24.24▲
2024 · 9.12
Debt ≤ 1 year
€166k▲
2024 · €71k
Debt > 1 year
€0▼
2024 · €13k
Income taxes
€16k▲
2024 · €6k
Staff costs
€10k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €6k | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €9k | €9k | €9k | €9k | €10k | ▲ 8.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €2k | €3k | €3k | ▼ 1.6% |
| Other operating charges640/8 | €6k | €2k | €3k | €4k | €11k | ▲ 191% |
| Non-recurring operating charges66A | - | €50k | €0 | - | - | - |
| Gross operating margin9900 | €55k | €-14k | €46k | €48k | €78k | ▲ 63.1% |
| Operating profit (loss)9901 | €38k | €-77k | €32k | €32k | €54k | ▲ 70.4% |
| Financial income75/76B | €214 | €1k | €1k | €3k | €4k | ▲ 64.4% |
| Recurring financial income75 | €214 | €1k | €1k | €3k | €4k | ▲ 64.4% |
| Financial charges65/66B | €5k | €3k | €4k | €4k | €2k | ▼ 38.4% |
| Recurring financial charges65 | €5k | €3k | €4k | €4k | €2k | ▼ 38.4% |
| Profit (loss) for the period before taxes9903 | €34k | €-78k | €30k | €31k | €56k | ▲ 83.6% |
| Income taxes67/77 | €5k | €314 | €307 | €6k | €16k | ▲ 167% |
| Profit (loss) for the period9904 | €29k | €-79k | €30k | €25k | €40k | ▲ 63.4% |
| Profit (loss) for the period to be appropriated9905 | €29k | €-79k | €30k | €25k | €40k | ▲ 63.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €439k | €384k | €389k | €390k | €416k | ▲ 6.5% |
| Fixed assets21/28 | €7k | €9k | €7k | €9k | €6k | ▼ 34.4% |
| Tangible fixed assets22/27 | €7k | €9k | €7k | €9k | €6k | ▼ 34.4% |
| Land and buildings22 | €5k | €8k | €6k | €5k | €4k | ▼ 22.8% |
| Plant, machinery and equipment23 | €598 | €436 | €274 | €112 | €0 | ▼ 100% |
| Furniture and vehicles24 | €994 | €681 | €367 | €4k | €2k | ▼ 47.5% |
| Current assets29/58 | €432k | €375k | €382k | €381k | €410k | ▲ 7.5% |
| Stocks and contracts in progress3 | €326k | €275k | €285k | €327k | €263k | ▼ 19.6% |
| Stocks30/36 | €326k | €275k | €285k | €327k | €263k | ▼ 19.6% |
| Amounts receivable within one year40/41 | €28k | €17k | €11k | €12k | €60k | ▲ 424% |
| Trade receivables40 | €2k | €6k | €11k | €5k | €42k | ▲ 785% |
| Other amounts receivable41 | €27k | €11k | €110 | €7k | €19k | ▲ 173% |
| Current investments50/53 | - | - | €23k | €3k | €19k | ▲ 566% |
| Cash at bank and in hand54/58 | €78k | €81k | €56k | €38k | €65k | ▲ 72.0% |
| Deferred charges and accrued income490/1 | €226 | €2k | €6k | €2k | €2k | ▼ 1.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €439k | €384k | €389k | €390k | €416k | ▲ 6.5% |
| Equity10/15 | €286k | €208k | €237k | €262k | €248k | ▼ 5.2% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €291k | €291k | €291k | €291k | €237k | ▼ 18.6% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €289k | €289k | €291k | €291k | €237k | ▼ 18.6% |
| Profit (loss) carried forward14 | €-17k | €-96k | €-66k | €-41k | €-899 | ▲ 97.8% |
| Amounts payable17/49 | €152k | €176k | €152k | €128k | €168k | ▲ 30.5% |
| Amounts payable after more than one year17 | €66k | €50k | €31k | €13k | €0 | ▼ 100% |
| Financial debts170/4 | €66k | €50k | €31k | €13k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €86k | €126k | €121k | €71k | €166k | ▲ 135% |
| Current portion of amounts payable after more than one year42 | €9k | €20k | €19k | €19k | €13k | ▼ 33.3% |
| Financial debts43 | €13k | €13k | €13k | €15k | €13k | ▼ 12.8% |
| Credit institutions430/8 | €13k | €13k | €560 | €2k | €12k | ▲ 560% |
| Other loans439 | - | - | €12k | €13k | €429 | ▼ 96.6% |
| Trade debts44 | €23k | €60k | €52k | €6k | €58k | ▲ 891% |
| Suppliers440/4 | €23k | €60k | €52k | €6k | €58k | ▲ 891% |
| Taxes, remuneration and social security45 | €34k | €28k | €31k | €28k | €31k | ▲ 9.6% |
| Taxes450/3 | €34k | €23k | €29k | €28k | €31k | ▲ 9.8% |
| Remuneration and social security454/9 | €0 | €5k | €2k | €113 | €51 | ▼ 55.0% |
| Other amounts payable47/48 | €7k | €5k | €6k | €4k | €53k | ▲ 1,299% |
| Accrued charges and deferred income492/3 | €1k | €0 | - | €45k | €1k | ▼ 97.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29k | €-79k | €30k | €25k | €40k | ▲ 63.4% |
| + Depreciation and write-downs630 | €2k | €2k | €2k | €3k | €3k | ▼ 1.6% |
| Operating cash flow (approximation) | €30k | €-77k | €31k | €28k | €44k | ▲ 55.8% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €-6k | €0 | ▲ 100% |
| Change in cash | - | €3k | €-25k | €-18k | €27k | ▲ 252% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €40k ▲63.4%
Operating result €54k, net result €40k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-79k
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Bree · 1 establishment unit since 2007
Ground area
95 m²
Building footprint
95 m²
Volume, LiDAR
618 m³
Parcel 72004B0478/00S000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DIVERSO
since 20072.159.040.450
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72004B0478/00S000 | Flanders | 95 m² | 1 · 95 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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mamezelle
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Of 2,213 companies in sector 47711 we hold annual accounts for 887. 623 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47715Retail trade
Scores and ratios are computed by Checked and are not a credit decision.