Equity
-€21,428
Debts exceed assets in financial year 2025.
DIVIMO
Lifetime
20 annual accounts with figures on one time axis, 21 filings since 2005peak €35,082 (2012)
-€781▲ €1,633
lowest -€39,819 (2007)
-€1,331▲ €1,605
peak €71,967 (2006)
-€21,428▼ €1,331
€22,283▲ 9.3%
Board1 name since 2005
1 directorPatrick MOREL de WESTGAVER
Documentsfilings and deeds
21-08-202621 days late
2025micro format
Gross margin from -€2,414 to -€781Loss of €1,331Cash from €66 to €636
Key points
from the 2025 annual accountsLosses
-€6,721 in four years
Every financial year from 2022 to 2025 closed with a loss. 2024 was the heaviest.
Position in the sector
-2505.9%
Lower solvency than 95% of companies in real estate. Sector median 28.9% · 17,190 companies.
2025 accounts filed 21 days after the deadlineTurnover not published (micro format)
Checked score
54
Fair
Financially stronger than 22% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.0%
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 0.9%▼ -0.1 percentage points vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 1.1%▲ +0.2 percentage points vs 06-2025
08-2025: 1.3%▲ +0.2 percentage points vs 07-2025
09-2025: 1.3%● unchanged vs 08-2025
10-2025: 1.3%● unchanged vs 09-2025
11-2025: 1.3%● unchanged vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 1.3%● unchanged vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026
05-2026: 1.2%▼ -0.1 percentage points vs 04-2026
06-2026: 1.2%● unchanged vs 05-2026
07-2026: 1.3%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.9%▼ -0.4 percentage points vs 07-2026
09-2026: 0.5%▼ -0.4 percentage points vs 08-2026lowest value
10-2026: 0.5%● unchanged vs 09-2026lowest value
11-2026: 0.5%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€21,428
Loss of €1,331, the second in a row (financial year 2025)
lowers risk
Size: total assets €855
Liquidity: current ratio 0.04, cash €636
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 49% on liquidity, 4% on profitability and 32% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as DIVIMO has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DIVIMO itself is lower: 0.5% within 12 months. It rests on far more data about DIVIMO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for DIVIMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€21,428
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
21 days late
2024
19 days late
2023
19 days late
2022
21 days late
2021
30 days late
2020
19 days late
2019
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 21 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 9925:BE0872842919
Registered office moved from Uccle to Sint-Genesius-Rode
New registered office: Sylvianelaan 3, 1640 Sint-Genesius-Rode · Previous registered office: Waterloosesteenweg 1362, 1180 Ukkel · Resignation: Patrick MOREL de WESTGAVER (manager) · General meeting of 23-02-2024 · Gazette deed
Incorporation
published on 07-04-2005 · Gazette deed
First establishment
DIVIMO SPRL, Waterloosesteenweg 1362, Uccle
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DIVIMO Sint-Genesius-Rode | €855 | -€781 | -2505.9% | - |
| de KERCHOVE Schaerbeek | €810 | -€288 | -96.5% | - |
| LIEVAN Boortmeerbeek | €1,270 | -€642 | -8396.7% | - |
| GOWY Brakel | €693 | €1,079 | -2466.9% | - |
| IMMOBILIERE G2 Péruwelz | €1,080 | -€719 | -26.7% | - |
| R&D CONSTRUCT Sint-Truiden | €708 | -€387 | -30210.8% | - |
| Well-Estate Antwerp | €1,185 | €614 | -82.9% | - |
These companies have the same main activity as DIVIMO: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €693 and €1,270, founded between 2002 and 2011.
Official details
Source: KBO- Status
- Active since 31-03-2005Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 1 other
- Establishment unit
- 2.146.529.7271180 Uccle, since 24-03-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 23-03-2026
Insights on DIVIMO
DIVIMO files the micro format. That format states no turnover. The gross margin fell from €20,359 in 2006 to -€781 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DIVIMO
- What is the company number of DIVIMO?
- The company number of DIVIMO is 0872.842.919. The VAT number is the same number with BE in front: BE 0872.842.919.
- Where is DIVIMO based?
- The registered office is at Sylvianelaan 3, 1640 Sint-Genesius-Rode.Company details
- What does DIVIMO do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of DIVIMO?
- DIVIMO is a private limited company (BV).
- When was DIVIMO founded?
- DIVIMO was founded on 31-03-2005.
- Is DIVIMO still active?
- Yes, DIVIMO is an active enterprise in the KBO register.
- What is the turnover of DIVIMO?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is DIVIMO profitable?
- In financial year 2025, DIVIMO made a loss of €1,331.
- Where can I find the annual accounts of DIVIMO?
- DIVIMO filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DIVIMO due?
- DIVIMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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