DIVINO COFFEE

Active

Private limited companyfounded 20197 yrs activeGaston Geleynstraat 4, 1850 Grimbergen, BelgiumKBO/BCE: BE 0719.834.426

The computed 12-month bankruptcy probability of DIVINO COFFEE is 5.2% (elevated). The 2025 annual accounts show equity of €344k and a net result of €136k. Equity is growing by ~51.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 13270 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability97▲+3

Solvency83▲+19

Growth78=

Track record100

Bankruptcy probability, 12 months

5.2% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €20k at 30 days only on tighter terms

Liquidity ample (current ratio 1.51 against 1.23 in 2024; short-term debt: 36.6% and cash: 35.6% of total assets), and 42.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

57.8%

Return on assets

22.9%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

18 d early

2024

57 d late

2023

55 d late

2022

65 d late

2021

45 d late

2020

89 d late

2019

67 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€344k▲ 65.8%

2024 · €207k

2019: €28k 2020: €34k 2021: €70k 2022: €51k 2023: €101k 2024: €207k

2019 → 2025

Total assets

€595k▲ 12.2%

2024 · €530k

2019: €151k 2020: €312k 2021: €286k 2022: €235k 2023: €380k 2024: €530k

2019 → 2025

Net result

€136k▲ 28.6%

2024 · €106k

2019: €9k 2020: €6k 2021: €41k 2022: €-19k 2023: €51k 2024: €106k

2019 → 2025

Working capital

€110k▲ 82.8%

2024 · €60k

2019: €-715 2020: €-920 2021: €5k 2022: €-28k 2023: €-51k 2024: €60k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€70k-€51k▼ 27.6%€101k▲ 99.6%€207k▲ 105%€344k▲ 65.8%

Operating result€34k-€-14k€61k€151k▲ 147%€190k▲ 25.7%

Net result€41k-€-19k€51k€106k▲ 110%€136k▲ 28.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed three years in a row; 2025 is 26% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €595k

44.9%

55.1%

Fixed assets €267k▲ 26.0%

Current assets €328k▲ 3.0%

Equity and liabilities €595k

57.8%

42.2%

Equity €344k▲ 65.8%

Debt €251k▼ 22.3%

The debt ratio falls from 60.9% to 42.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€232k▲

2024 · €202k

Cash flow

€179k▲

2024 · €157k

Solvency

57.8%▲

2024 · 39.1%

Current ratio

1.51▲

2024 · 1.23

Quick ratio

1.49▲

2024 · 1.22

Debt / equity

0.73▼

2024 · 1.56

ROE

39.7%▼

2024 · 51.2%

ROA

22.9%▲

2024 · 20.0%

Interest coverage

22.73▲

2024 · 11.44

Debt

€251k▼

2024 · €323k

Debt ≤ 1 year

€218k▼

2024 · €258k

Debt > 1 year

€33k▼

2024 · €64k

Income taxes

€43k▲

2024 · €28k

Staff costs

€30k▼

2024 · €99k

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€530k€595k▲

Fixed assets21/28€212k€267k▲

Tangible fixed assets22/27€147k€174k▲

Furniture and vehicles24€67k€95k▲

Leasing and similar rights25€777-

Other tangible fixed assets26€80k€79k▼

Financial fixed assets28€65k€93k▲

Current assets29/58€318k€328k▲

Stocks and contracts in progress3€4k€3k▼

Stocks30/36€4k€3k▼

Amounts receivable within one year40/41€77k€113k▲

Trade receivables40€7k€4k▼

Other amounts receivable41€70k€109k▲

Cash at bank and in hand54/58€207k€211k▲

Deferred charges and accrued income490/1€31k€394▼

Equity and liabilities

Total equity and liabilities10/49€530k€595k▲

Equity10/15€207k€344k▲

Contributions10/11€14k€14k=

Profit (loss) carried forward14€194k€330k▲

Amounts payable17/49€323k€251k▼

Amounts payable after more than one year17€64k€33k▼

Financial debts170/4€64k€33k▼

Amounts payable within one year42/48€258k€218k▼

Current portion of amounts payable after more than one year42€31k€32k▲

Trade debts44€170k€85k▼

Suppliers440/4€170k€85k▼

Taxes, remuneration and social security45€56k€101k▲

Taxes450/3€44k€98k▲

Remuneration and social security454/9€12k€3k▼

Income statement Code20242025

Remuneration, social security and pensions62€99k€30k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€42k▼

Other operating charges640/8€16k€25k▲

Gross operating margin9900€317k€287k▼

Operating profit (loss)9901€151k€190k▲

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€18k€10k▼

Recurring financial charges65€18k€10k▼

Profit (loss) for the period before taxes9903€134k€180k▲

Income taxes67/77€28k€43k▲

Profit (loss) for the period9904€106k€136k▲

Profit (loss) for the period to be appropriated9905€106k€136k▲

Appropriation of the result

Profit (loss) to be appropriated9906€194k€330k▲

Profit (loss) brought forward from the previous period14P€88k€194k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 5Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

13-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2019net €136k ▲28.6%

Operating result €190k, net result €136k, both a record.

26-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 57 days late

2024

31-12

Financial Equity above €200kEq €207k ▲105%

2 profitable years in a row build equity to €207k.

24-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 55 days late

2023

31-12

Financial Back to profitnet €51k

Net result €51k after one loss-making year.

31-12

Financial Equity above €100kEq €101k ▲99.6%

Equity rises from €51k to €101k.

04-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 65 days late

2022

31-12

Financial Weakest financial yearnet €-19k ▼147%

Net result drops to €-19k, the lowest in the series; recovery starts the following year.

14-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 45 days late

2021

28-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 89 days late

2020

06-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 67 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Grimbergen · 4 establishment units since 2019

establishment All 4 establishment units on the map

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.

Gaston Geleynstraat 41850 Grimbergen

Ground area

5.7 ha

Building footprint

3.7 ha

Volume, LiDAR

788,102 m³

3 parcels, Brussels, Flanders · tallest building 63.3 m, ±7 floors. Linked by address, not a title deed.

4 establishment units

Nieuwstraat 123, 1000 Brussel

Limited-service restaurants

since 20192.284.894.287

DIVINO COFFEE

Nieuwstraat 123, 1000 BrusselLimited-service restaurants

since 20202.308.761.534

Tiffany

Nieuwstraat 123, 1000 BrusselLimited-service restaurants

since 20232.348.195.004

IL CAFFE DOCKS

Lambermontlaan 1, 1000 BrusselLimited-service restaurants, excluding mobile food services

since 20252.381.489.956

3 parcels

Flanders 1 (33.3%) Brussels 2 (66.7%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21813F0608/00M000	Brussels	4.0 ha	1 · 2.1 ha	30.4 m · 6 fl.
21802B1669/00A000	Brussels	1.6 ha	1 · 1.6 ha	63.3 m · 7 fl.
23402E0190/00A024	Flanders	364 m²	1 · 124 m²	8.2 m · 2 fl.