DIVO

Active

Private limited companyfounded 20188 yrs activeRue de Nivelles 45, 7180 Seneffe, BelgiumKBO/BCE: BE 0698.637.550

The computed 12-month bankruptcy probability of DIVO is 1.8% (moderate). The 2025 annual accounts show equity of €31k and a net result of €23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 81% of 13270 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+44

Solvency92▲+59

Growth85=

Track record100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity short (current ratio 0.5 against 0.98 in 2024; short-term debt: 32.6% and cash: 11.5% of total assets), and 32.6% 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

Eight 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 →

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

67.4%

Return on assets

50%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €31k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

16 d early

2024

9 d early

2023

9 d early

2022

21 d late

2021

16 d early

2020

4 d early

2019

255 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

Turnover

€101k▲ 46.7%

2023 · €69k

2023: €69k

2023 → 2024

EBIT margin

-0.3%▼ 19.4pp

2023 · 19.1%

2023: 19.1%

2023 → 2024

Net result

€23k

2024 · €-2k

2019: €-5k 2020: €-118 2021: €-7k 2022: €2k 2023: €13k 2024: €-2k

2019 → 2025

Working capital

€-7k▼ 261%

2024 · €-2k

2020: €676 2021: €-6k 2022: €-16k 2023: €4k 2024: €-2k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€69k€101k▲ 46.7%

Equity€-6k-€-4k▲ 36.4%€10k€8k▼ 15.9%€31k▲ 286%

Operating result€-7k-€2k€13k▲ 453%€-319€23k

Net result€-7k-€2k€13k▲ 504%€-2k€23k

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

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €23k after a loss of €319 in 2024, the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €46k

83.7%

16.3%

Fixed assets €38k▲ 281%

Current assets €8k▼ 91.8%

Equity and liabilities €46k

67.4%

32.6%

Equity €31k▲ 286%

Debt €15k▼ 84.0%

The debt ratio falls from 92.1% to 32.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€37k▲

2024 · €4k

Cash flow

€37k▲

2024 · €3k

Solvency

67.4%▲

2024 · 7.9%

Current ratio

0.50▼

2024 · 0.98

Quick ratio

0.50▼

2024 · 0.98

Debt / equity

0.48▼

2024 · 11.64

ROE

74.1%▲

2024 · -18.9%

ROA

50.0%▲

2024 · -1.5%

Interest coverage

410.94▲

2024 · 42.86

Debt

€15k▼

2024 · €93k

Debt ≤ 1 year

€15k▼

2024 · €93k

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€101k€46k▼

Fixed assets21/28€10k€38k▲

Tangible fixed assets22/27€10k€38k▲

Plant, machinery and equipment23€2k€2k=

Furniture and vehicles24€8k€37k▲

Current assets29/58€91k€8k▼

Amounts receivable within one year40/41€7k€2k▼

Trade receivables40-€145

Other amounts receivable41€7k€2k▼

Current investments50/53€750-

Cash at bank and in hand54/58€83k€5k▼

Equity and liabilities

Total equity and liabilities10/49€101k€46k▼

Equity10/15€8k€31k▲

Contributions10/11€6k€6k=

Profit (loss) carried forward14€2k€25k▲

Amounts payable17/49€93k€15k▼

Amounts payable within one year42/48€93k€15k▼

Trade debts44€279-

Suppliers440/4€279-

Advances received on contracts in progress46€77k-

Taxes, remuneration and social security45€2k€750▼

Taxes450/3€2k-

Remuneration and social security454/9-€750

Other amounts payable47/48€15k€14k▼

Income statement Code20242025

Turnover70€101k-

Goods, raw materials, services and sundry goods60/61€98k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€14k▲

Other operating charges640/8€444€2k▲

Gross operating margin9900€4k€39k▲

Operating profit (loss)9901€-319€23k▲

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€89€91▲

Recurring financial charges65€89€91▲

Profit (loss) for the period before taxes9903€-407€23k▲

Income taxes67/77€1k-

Profit (loss) for the period9904€-2k€23k▲

Profit (loss) for the period to be appropriated9905€-2k€23k▲

Appropriation of the result

Profit (loss) to be appropriated9906€2k€25k▲

Profit (loss) brought forward from the previous period14P€3k€2k▼

The notes to these accounts (5 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 11Financial 4Filings 7

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

2026

15-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Back to profitnet €23k

Net result €23k after one loss-making year.

22-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

22-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity triplescurrent ratio 1.20

Current ratio from 0.40 to 1.20; short-term debt falls from €27k to €20k.

21-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 21 days late

2022

31-12

Financial Back to profitnet €2k

Net result €2k after 3 loss-making years.

15-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Weakest financial yearnet €-7k

Net result drops to €-7k, the lowest in the series; recovery starts the following year.

27-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

12-04

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 255 days late

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

Directors · office · real estate

Directors

5 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, Seneffe · 1 establishment unit since 2018

establishment The establishment unit 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.

Rue de Nivelles 457180 Seneffe

Ground area

1,375 m²

Building footprint

172 m²

Parcel 52063E0589/00B002, Wallonia. Linked by address, not a title deed.

1 establishment unit

Rue de Nivelles 45, 7180 Seneffe

Limited-service restaurants

since 20182.277.689.761

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52063E0589/00B002	Wallonia	1,375 m²	1 · 172 m²	-

Linked by address, not proof of ownership

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.

Similar companies · same sector, comparable size

Frasnes-lez-Anvaing · Eq €31k

Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,405 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-06-2018

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.