DIVO TRADING
ActiveDIVO TRADING has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8.35M and a net result of €1.47M. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+20
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €600k at 30 days acceptable
Liquidity ample (current ratio 22.57 against 6.44 in 2024; short-term debt: 2.5% and cash: 2.9% of total assets), and 2.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
97.5%
Return on assets
17.2%
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
18 d late
2023
69 d late
2022
66 d late
2021
78 d late
2020
31 d late
2019
56 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€8.35M▼ 2.1%
2024 · €8.53M
2018: €371k
2019: €2.02M
2020: €2.59M
2021: €8.46M
2022: €8.46M
2023: €8.43M
2024: €8.53M
2018 → 2025
Total assets
€8.56M▼ 8.9%
2024 · €9.40M
2018: €564k
2019: €3.03M
2020: €2.91M
2021: €10.63M
2022: €10.27M
2023: €9.34M
2024: €9.40M
2018 → 2025
Net result
€1.47M▲ 1,422%
2024 · €97k
2018: €12k
2019: €1.65M
2020: €561k
2021: €5.88M
2022: €-4k
2023: €-31k
2024: €97k
2018 → 2025
Working capital
€4.58M▼ 3.5%
2024 · €4.75M
2018: €63k
2019: €1.70M
2020: €2.26M
2021: €4.69M
2022: €4.70M
2023: €4.66M
2024: €4.75M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.46M-€8.46M=€8.43M▼ 0.4%€8.53M▲ 1.1%€8.35M▼ 2.1%
Operating result€24k-€-86k€-143k▼ 65.8%€-65k▲ 54.8%€-58k▲ 9.8%
Net result€5.88M-€-4k€-31k▼ 652%€97k€1.47M▲ 1,422%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €58k in 2025 against €65k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.56M
Fixed assets
€3.76M▼ 0.3%
Current assets
€4.80M▼ 14.7%
Equity and liabilities €8.56M
Equity
€8.35M▼ 2.1%
Debt
€213k▼ 75.6%
The debt ratio falls from 9.3% to 2.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-46k▲
2024 · €-61k
Cash flow
€1.49M▲
2024 · €101k
Solvency
97.5%▲
2024 · 90.7%
Current ratio
22.57▲
2024 · 6.44
Quick ratio
22.57▲
2024 · 6.44
Debt / equity
0.03▼
2024 · 0.10
ROE
17.6%▲
2024 · 1.1%
ROA
17.2%▲
2024 · 1.0%
Interest coverage
-7.28▲
2024 · -18.50
Debt
€213k▼
2024 · €873k
Debt ≤ 1 year
€213k▼
2024 · €873k
Income taxes
€148k▲
2024 · €6k
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€9.40M€8.56M▼
Fixed assets21/28€3.77M€3.76M▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€30k€17k▼
Furniture and vehicles24€11k€8k▼
Other tangible fixed assets26€18k€9k▼
Financial fixed assets28€3.75M€3.75M=
Current assets29/58€5.62M€4.80M▼
Amounts receivable after more than one year29€256k€0▼
Other amounts receivable291€256k€0▼
Amounts receivable within one year40/41€2.38M€2.23M▼
Trade receivables40€105k€110k▲
Other amounts receivable41€2.27M€2.12M▼
Current investments50/53€2.12M€2.32M▲
Cash at bank and in hand54/58€862k€250k▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€9.40M€8.56M▼
Equity10/15€8.53M€8.35M▼
Contributions10/11€312k€312k=
Reserves13€8.21M€8.03M▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€8.21M€8.03M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€873k€213k▼
Amounts payable within one year42/48€873k€213k▼
Trade debts44€3k€10k▲
Suppliers440/4€3k€10k▲
Taxes, remuneration and social security45€1k€153k▲
Taxes450/3€1k€153k▲
Other amounts payable47/48€869k€49k▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€12k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€-59k€-44k▲
Operating profit (loss)9901€-65k€-58k▲
Financial income75/76B€171k€1.69M▲
Recurring financial income75€171k€186k▲
Non-recurring financial income76B-€1.50M
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€103k€1.62M▲
Income taxes67/77€6k€148k▲
Profit (loss) for the period9904€97k€1.47M▲
Profit (loss) for the period to be appropriated9905€97k€1.47M▲
Appropriation of the result
Profit (loss) to be appropriated9906€61k€1.47M▲
Profit (loss) brought forward from the previous period14P€-35k€0▲
Transfer from equity791/2-€1.65M
Transfer to equity691/2€61k€1.47M▲
To other reserves6921€61k€1.47M▲
Profit to be distributed694/7-€1.65M
Return on contributions (dividend)694-€1.65M
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 22.57
Current ratio from 6.44 to 22.57; short-term debt falls from €873k to €213k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 18 days late
2024
31-12
Financial
Back to profitnet €97k
Net result €97k after 2 loss-making years.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 69 days late
2023
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 66 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
31-12
Financial
Highest result since 2018net €5.88M ▲948%
Operating result €24k, net result €5.88M, both a record.
31-12
Financial
Equity above €5MEq €8.46M ▲227%
4 profitable years in a row build equity to €8.46M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 8.12
Current ratio from 2.74 to 8.12; short-term debt falls from €979k to €317k.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 56 days late
2019
31-12
Financial
Equity above €2MEq €2.02M ▲445%
2 profitable years in a row build equity to €2.02M.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2003
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.
Solvynsstraat 39A2018 AntwerpenGround area
844 m²
Building footprint
276 m²
Volume, LiDAR
2,931 m³
Parcel 11810K1699/00D013, Flanders · tallest building 26.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DIVO TRADING
since 20032.126.597.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1699/00D013 | Flanders | 844 m² | 1 · 276 m² | 26.6 m · 4 fl. |
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
PROSTOR
BE 0464.706.808
Kortrijk · Eq €8.40M
CRUTEX
BE 0449.959.046
Tournai · Eq €8.62M
SLAAPADVIES
BE 0891.010.128
Wetteren · Eq €7.77M
VAN DER ERVE
BE 0440.795.120
Zaventem · Eq €9.17M
MALU
BE 0414.382.911
Duffel · Eq €9.28M
Of 687 companies in sector 46412 we hold annual accounts for 516. 111 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2003
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
51410
46900Non-specialised wholesale trade
51900
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.