DiVR
ActiveSummary
DiVR has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability49▼-51
Solvency31▼-33
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.98 in 2024; short-term debt: 64.3% and cash: 0% of total assets), and 94.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
5.8%
Return on assets
2.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 12%
← weakest
strongest →
lowers risk · 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 2025Equity per financial year
202122232425
2020 to 2025 · latest year €85k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 6 filingsDeviation from the deadline
2025
54 d late
2024
104 d late
2023
30 d late
2022
28 d late
2021
31 d late
2020
31 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 79.2%
2024 · €48k
Total assets
€1.47M▲ 1,089%
2024 · €123k
Net result
€38k▼ 16.8%
2024 · €45k
Working capital
€-933k▼ 94,054%
2024 · €-991
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€2k▼ 90.5%€-2k€-7k▼ 322%€64k€88k▲ 37.6%
Net result€809▼ 91.9%€-2k€-8k▼ 338%€45k€38k▼ 16.8%
Equity€12k▲ 7.4%€10k▼ 15.0%€2k▼ 77.0%€48k▲ 1,978%€85k▲ 79.2%
Total assets€51k▼ 14.0%€35k▼ 30.4%€20k▼ 44.6%€123k▲ 528%€1.47M▲ 1,089%
Debt€39k▼ 18.8%€26k▼ 35.0%€17k▼ 31.9%€76k▲ 336%€1.38M▲ 1,724%
Working capital€-3k€-3k▼ 11.8%€-6k▼ 63.1%€-991▲ 82.4%€-933k▼ 94,054%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.47M
Fixed assets
€1.46M ▲ 2,143%
Current assets
€10k ▼ 82.6%
Equity and liabilities €1.47M
Equity
€85k ▲ 79.2%
Debt
€1.38M ▲ 1,724%
Debt's share of the balance-sheet total rises from 61.4% to 94.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€99k▲
2024 · €64k
Cash flow
€49k▲
2024 · €45k
Current ratio
0.01▼
2024 · 0.98
Debt to equity
16.18▲
2024 · 1.59
ROE
44.2%▼
2024 · 95.2%
ROA
2.6%▼
2024 · 36.8%
Interest coverage
3.23▼
2024 · 17.38
Debt ≤ 1 year
€944k▲
2024 · €59k
Debt > 1 year
€439k▲
2024 · €16k
Income taxes
€20k▲
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €811 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €11k | €11k | €0 | €11k | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1k | €1k | €0 | - | - |
| Other operating charges640/8 | €151 | €233 | €161 | €57k | €3k | ▼ 95.0% |
| Gross operating margin9900 | €13k | €11k | €6k | €122k | €102k | ▼ 16.1% |
| Operating profit (loss)9901 | €2k | €-2k | €-7k | €64k | €88k | ▲ 37.6% |
| Financial income75/76B | - | - | - | - | €1 | - |
| Recurring financial income75 | - | - | - | - | €1 | - |
| Financial charges65/66B | €779 | €104 | €733 | €4k | €31k | ▲ 732% |
| Recurring financial charges65 | €779 | €104 | €733 | €4k | €31k | ▲ 732% |
| Profit (loss) for the period before taxes9903 | €809 | €-2k | €-8k | €61k | €58k | ▼ 4.7% |
| Income taxes67/77 | - | - | - | €15k | €20k | ▲ 31.2% |
| Profit (loss) for the period9904 | €809 | €-2k | €-8k | €45k | €38k | ▼ 16.8% |
| Profit (loss) for the period to be appropriated9905 | €809 | €-2k | €-8k | €45k | €38k | ▼ 16.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €51k | €35k | €20k | €123k | €1.47M | ▲ 1,089% |
| Fixed assets21/28 | €32k | €20k | €8k | €65k | €1.46M | ▲ 2,143% |
| Tangible fixed assets22/27 | €32k | €20k | €8k | €65k | €1.46M | ▲ 2,143% |
| Plant, machinery and equipment23 | €3k | €2k | €853 | €0 | €9k | - |
| Furniture and vehicles24 | €29k | €18k | €7k | €0 | €55k | - |
| Assets under construction and advance payments27 | - | - | - | €65k | €1.39M | ▲ 2,044% |
| Current assets29/58 | €19k | €15k | €12k | €58k | €10k | ▼ 82.6% |
| Amounts receivable within one year40/41 | €18k | €5k | €5k | €10k | €10k | ▲ 0.4% |
| Trade receivables40 | €7k | €737 | €1k | €10k | €10k | ▼ 1.6% |
| Other amounts receivable41 | €11k | €4k | €3k | €0 | €203 | - |
| Cash at bank and in hand54/58 | €1k | €11k | €7k | €48k | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €51k | €35k | €20k | €123k | €1.47M | ▲ 1,089% |
| Equity10/15 | €12k | €10k | €2k | €48k | €85k | ▲ 79.2% |
| Contributions10/11 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves13 | €10k | €10k | €10k | €46k | €84k | ▲ 82.2% |
| Distributable reserves133 | €10k | €10k | €10k | €46k | €84k | ▲ 82.2% |
| Profit (loss) carried forward14 | €809 | €-948 | €-9k | €732 | €732 | = |
| Amounts payable17/49 | €39k | €26k | €17k | €76k | €1.38M | ▲ 1,724% |
| Amounts payable after more than one year17 | €17k | €7k | - | €16k | €439k | ▲ 2,587% |
| Financial debts170/4 | €17k | €7k | - | €16k | €439k | ▲ 2,587% |
| Amounts payable within one year42/48 | €22k | €19k | €17k | €59k | €944k | ▲ 1,487% |
| Current portion of amounts payable after more than one year42 | €11k | €11k | €3k | €19k | €57k | ▲ 206% |
| Financial debts43 | - | - | - | - | €1k | - |
| Credit institutions430/8 | - | - | - | - | €1k | - |
| Trade debts44 | €1k | €7k | €14k | €18k | €5k | ▼ 71.9% |
| Suppliers440/4 | €1k | €7k | €14k | €18k | €5k | ▼ 71.9% |
| Advances received on contracts in progress46 | - | - | - | - | €363 | - |
| Taxes, remuneration and social security45 | €9k | €249 | - | €22k | €52k | ▲ 139% |
| Taxes450/3 | €9k | €249 | - | €22k | €52k | ▲ 139% |
| Other amounts payable47/48 | - | - | - | €1k | €828k | ▲ 74,483% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €809 | €-2k | €-8k | €45k | €38k | ▼ 16.8% |
| + Depreciation and write-downs630 | €11k | €11k | €11k | €0 | €11k | - |
| Operating cash flow (approximation) | €12k | €9k | €3k | €45k | €49k | ▲ 6.9% |
| Investment in fixed assets (approximation) | - | €1k | €1k | €-57k | €-1.40M | ▼ 2,360% |
| Change in cash | - | €10k | €-3k | €41k | €-48k | ▼ 218% |
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
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 104 days late
2024
31-12
Financial
Back to profitnet €45k
Net result €45k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Niel
Ground area
3,895 m²
Building footprint
310 m²
Volume, LiDAR
5,150 m³
Parcel 11030B0337/00B008, Flanders · tallest building 44.8 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030B0337/00B008 | Flanders | 3,894 m² | 1 · 310 m² | 44.8 m · 5 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 16,901 companies in sector 62100 we hold annual accounts for 8,775. 6,951 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
Founded07-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
Contact
Website
www.divr.be
Scores and ratios are computed by Checked and are not a credit decision.