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DIWEL

Active
Private limited company·Ontwikkeling van residentiële bouwprojecten· 5 yrs active
Avenue du Manoir 30 ·1410 Waterloo, Belgium
KBO/BCE: BE 0770.523.359
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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DIWEL is 0.8% (low). The 2024 annual accounts show equity of €14k and a net result of €56k. Equity is growing by ~74.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 4949 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Trust signals

3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.8% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€56k
Working capital€13k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
€-50k€0€50k€100kOperating result 2022: €-2k€-2kNet result 2022: €-9k€-9kOperating result 2023: €-8k€-8kNet result 2023: €-36k€-36kOperating result 2024: €85k€85kNet result 2024: €56k€56k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~74.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-50k€-25k€0€25k€50k2025: €24k (€23k - €25k)2026: €34k (€33k - €35k)2027: €45k (€43k - €46k)2022: €-7k2023: €-43k2024: €14k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 1.2% 16.7%
better than 30% of 4949 sector peers
Net result €56k €2k
better than 88% of 4941 sector peers
Equity €14k €27k
better than 41% of 4952 sector peers
Gross operating margin €85k €27k
better than 79% of 4935 sector peers
Total assets €1.11M €302k
better than 82% of 4951 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P30
2022: P21 · n=31792023: P19 · n=42612024: P30 · n=49492022 2024
Stable position over 2022-2024 · n=3179-4949
Net result P88
2022: P28 · n=31712023: P12 · n=42492024: P88 · n=49412022 2024
Improving position over 2022-2024 · n=3171-4941
Equity P41
2022: P18 · n=31822023: P9 · n=42622024: P41 · n=49522022 2024
Improving position over 2022-2024 · n=3182-4952
Gross operating margin P79
2022: P24 · n=31652023: P11 · n=42372024: P79 · n=49352022 2024
Improving position over 2022-2024 · n=3165-4935
Describes the position versus peers, not a forecast.
Net profit
€56k
- far above sector median
Total assets
€1.11M
-9.2% +94% vs sector
Equity
€14k
- -89% vs sector
Working capital
€13k
- far above sector median
Income taxes
€5k
- -58% vs sector
Debt
€1.09M
-13.3% far above sector median
Debt ≤ 1y
€1.09M
-13.3% far above sector median
Current ratio
1.01
+4.8% +268% vs sector
Quick ratio
0.04
-52.2% -65% vs sector
Solvency
1.2%
- -98% vs sector
Debt / equity
79.55
- far above sector median
ROE
410.2%
+388.3% far above sector median
ROA
5.1%
- far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€56k
Cash flow-
Staff costs-
Income taxes€5k
Dividends-
Total assets€1.11M
Equity€14k
Debt€1.09M
of which ≤ 1y€1.09M
of which > 1y-
Working capital€13k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.01
Quick ratio0.04
Working capital ratio1.2%
Solvency1.2%
Debt / equity79.55
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA5.1%
ROE410.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.11M
Fixed assets 21/28€500
Financial fixed assets 28€500
Current assets 29/58€1.10M
Stocks & contracts in progress 3€1.07M
Amounts receivable within one year 40/41€23k
Cash & bank 54/58€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.11M
Equity 10/15€14k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€12k
Amounts payable 17/49€1.09M
Amounts payable within one year 42/48€1.09M
Trade debts payable within one year 44€65k
Income statement
Gross operating margin 9900€85k
Operating result 9901€85k
Financial income 75€0
Financial charges 65€24k
Result before taxes 9903€61k
Income taxes 67/77€5k
Net result for the period 9904€56k
Result to be appropriated 9905€56k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
58 / 100 Fair
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Locations & real estate

Parcels1
Ground area2,390 m²
Buildings1
Building footprint320 m²
Volume (LiDAR)1,269 m³
Tallest building5.9 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25763I0148/00_000 Wallonia 2,390 m² 1 · 320 m² 5.8 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health58Profitability100Solvency12Growth78Stability94
68 / 100

Strong profile, led by profitability.

Health 58
Profitability 100
Solvency 12
Growth 78
Stability 94

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110
Primary activity highlighted.
Names & trade names
Legal nameFR DIWEL
Registered office
Avenue du Manoir 30
1410 Waterloo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.