DIVITIAM
ActiveSummary
DIVITIAM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27,064 and a net result of -€3,589. Equity is shrinking by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-69
Solvency47▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.28 against 1.33 in 2024; short-term debt: 78% and cash: 2.5% of total assets), and 78% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
22%
Return on assets
-2.9%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
3 d late
2024
73 d early
2023
57 d late
2022
22 d late
2021
39 d early
2020
30 d early
2019
39 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€3,589
2024 · €83,370
Working capital
€27,064▼ 11.7%
2024 · €30,654
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€7,889▼ 89.1%-€7,945-€71,908▼ 805%€110,511-€3,046
Net result-€711-€16,487▼ 2,220%-€80,787▼ 390%€83,370-€3,589
Equity€44,558▼ 1.6%€28,071▼ 37.0%-€52,716€30,654€27,064▼ 11.7%
Total assets€401,670▼ 9.4%€397,319▼ 1.1%€349,677▼ 12.0%€124,900▼ 64.3%€122,837▼ 1.7%
Debt€357,112▼ 10.3%€369,248▲ 3.4%€402,394▲ 9.0%€94,246▼ 76.6%€95,773▲ 1.6%
Working capital-€86,690▼ 24.5%-€117,701▼ 35.8%-€205,483▼ 74.6%€30,654€27,064▼ 11.7%
Staff (FTE)11▲ 48.6%11.8▲ 7.3%16.3▲ 38.1%
Why a figure moved sharply
- 2024 Total assets -64% on 2023. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3,046 after €110,511 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €122,837
Equity
€27,064 ▼ 11.7%
Debt
€95,773 ▲ 1.6%
Debt's share of the balance-sheet total rises from 75.5% to 78.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€3,046▼
2024 · €110,533
Cash flow
-€3,589▼
2024 · €83,392
Current ratio
1.28▼
2024 · 1.33
Debt to equity
3.54▲
2024 · 3.07
ROE
-13.3%▼
2024 · 272.0%
ROA
-2.9%▼
2024 · 66.7%
Interest coverage
-5.59▼
2024 · 4.07
Debt ≤ 1 year
€95,773▲
2024 · €94,246
Staff costs
€982▼
2024 · €123,754
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,550 companies that looked in July 2024 the way this one looks now, 3.9% went bankrupt within 24 months and 91% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
3.9%
went bankrupt
3.7%
stopped otherwise
91%
still going
A further 1.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,550 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €0 | - |
| Remuneration, social security and pensions62 | €138,930 | €98,416 | €177,224 | €123,754 | €982 | ▼ 99.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47,405 | €49,254 | €49,523 | €22 | €0 | ▼ 100% |
| Other operating charges640/8 | €4,226 | €4,611 | €4,085 | €2,705 | €412 | ▼ 84.8% |
| Non-recurring operating charges66A | - | - | - | €6,017 | €0 | ▼ 100% |
| Gross operating margin9900 | €198,449 | €144,336 | €158,924 | €243,009 | -€1,652 | ▼ 101% |
| Operating profit (loss)9901 | €7,889 | -€7,945 | -€71,908 | €110,511 | -€3,046 | ▼ 103% |
| Financial income75/76B | €1 | €3 | €9 | €2 | €2 | ▼ 14.4% |
| Recurring financial income75 | €1 | €3 | €9 | €2 | €2 | ▼ 14.4% |
| Financial charges65/66B | €8,601 | €8,545 | €8,889 | €27,143 | €545 | ▼ 98.0% |
| Recurring financial charges65 | €8,601 | €8,545 | €8,889 | €27,143 | €545 | ▼ 98.0% |
| Profit (loss) for the period before taxes9903 | -€711 | -€16,487 | -€80,787 | €83,370 | -€3,589 | ▼ 104% |
| Profit (loss) for the period9904 | -€711 | -€16,487 | -€80,787 | €83,370 | -€3,589 | ▼ 104% |
| Profit (loss) for the period to be appropriated9905 | -€711 | -€16,487 | -€80,787 | €83,370 | -€3,589 | ▼ 104% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €401,670 | €397,319 | €349,677 | €124,900 | €122,837 | ▼ 1.7% |
| Fixed assets21/28 | €277,057 | €242,273 | €199,249 | €0 | - | - |
| Intangible fixed assets21 | €104,531 | €76,006 | €47,481 | €0 | - | - |
| Tangible fixed assets22/27 | €158,565 | €150,627 | €134,449 | €0 | - | - |
| Plant, machinery and equipment23 | €3,677 | €910 | €0 | - | - | - |
| Furniture and vehicles24 | €135,596 | €128,853 | €115,461 | €0 | - | - |
| Other tangible fixed assets26 | €19,292 | €20,864 | €18,989 | €0 | - | - |
| Financial fixed assets28 | €13,961 | €15,640 | €17,319 | €0 | - | - |
| Current assets29/58 | €124,612 | €155,046 | €150,428 | €124,900 | €122,837 | ▼ 1.7% |
| Stocks and contracts in progress3 | €69,882 | €73,649 | €74,234 | €0 | - | - |
| Stocks30/36 | €69,882 | €73,649 | €74,234 | €0 | - | - |
| Amounts receivable within one year40/41 | €29,814 | €62,562 | €52,443 | €33,495 | €119,747 | ▲ 258% |
| Trade receivables40 | €1,549 | €16,858 | €16,000 | €413 | €93,179 | ▲ 22,449% |
| Other amounts receivable41 | €28,266 | €45,704 | €36,443 | €33,082 | €26,568 | ▼ 19.7% |
| Cash at bank and in hand54/58 | €21,639 | €18,835 | €22,705 | €91,405 | €3,091 | ▼ 96.6% |
| Deferred charges and accrued income490/1 | €3,277 | €0 | €1,045 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €401,670 | €397,319 | €349,677 | €124,900 | €122,837 | ▼ 1.7% |
| Equity10/15 | €44,558 | €28,071 | -€52,716 | €30,654 | €27,064 | ▼ 11.7% |
| Contributions10/11 | €60,000 | €60,000 | €60,000 | €60,000 | €60,000 | = |
| Profit (loss) carried forward14 | -€15,442 | -€31,929 | -€112,716 | -€29,346 | -€32,936 | ▼ 12.2% |
| Amounts payable17/49 | €357,112 | €369,248 | €402,394 | €94,246 | €95,773 | ▲ 1.6% |
| Amounts payable after more than one year17 | €145,810 | €96,501 | €46,482 | €0 | - | - |
| Financial debts170/4 | €145,810 | €96,501 | €46,482 | €0 | - | - |
| Amounts payable within one year42/48 | €211,302 | €272,747 | €355,911 | €94,246 | €95,773 | ▲ 1.6% |
| Current portion of amounts payable after more than one year42 | €53,609 | €49,309 | €50,018 | €0 | - | - |
| Financial debts43 | €20,000 | €20,000 | €23,000 | €0 | - | - |
| Credit institutions430/8 | €20,000 | €20,000 | €23,000 | €0 | - | - |
| Trade debts44 | €103,962 | €151,203 | €217,607 | €41,022 | €60,024 | ▲ 46.3% |
| Suppliers440/4 | €103,962 | €151,203 | €217,607 | €41,022 | €60,024 | ▲ 46.3% |
| Taxes, remuneration and social security45 | €7,981 | €702 | €11,324 | €871 | €871 | = |
| Taxes450/3 | €459 | €702 | €702 | €871 | €871 | = |
| Remuneration and social security454/9 | €7,522 | €0 | €10,623 | €0 | - | - |
| Other amounts payable47/48 | €25,750 | €51,534 | €53,961 | €52,353 | €34,878 | ▼ 33.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€711 | -€16,487 | -€80,787 | €83,370 | -€3,589 | ▼ 104% |
| + Depreciation and write-downs630 | €47,405 | €49,254 | €49,523 | €22 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €46,694 | €32,767 | -€31,264 | €83,392 | -€3,589 | ▼ 104% |
| Investment in fixed assets (approximation) | - | -€14,469 | -€6,500 | €199,228 | - | - |
| Change in cash | - | -€2,804 | €3,870 | €68,700 | -€88,314 | ▼ 229% |
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €83,370
Net result €83,370 after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.33
Current ratio from 0.42 to 1.33; short-term debt falls from €355,911 to €94,246.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet -€80,787
Net result drops to -€80,787, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €63,779
Net result €63,779 after one loss-making year.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 39 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Braine-l'Alleud · 1 establishment unit since 2018
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.
Av Bois des Collines 201420 Braine-l'AlleudGround area
837 m²
Building footprint
517 m²
Volume, LiDAR
4,306 m³
Parcel 22002B0095/00G034, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DIVITIAM
since 20182.287.308.894
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002B0095/00G034 | Flanders | 837 m² | 1 · 517 m² | 12.5 m · 3 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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Of 10,510 companies in sector 47110 we hold annual accounts for 5,850. 4,365 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
Founded20-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0704813777
Also
9925:BE0704813777
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.