DIWEL
ActiveSummary
DIWEL has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-13
Solvency26=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.01 in 2024; short-term debt: 99% and cash: 26.1% of total assets), and 99% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 14079 sector peers (2025).
NBB · sector comparisonPosition among 14079 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
36 d late
2022
133 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▼ 20.0%
2024 · €14k
2022: €-7k
2023: €-43k
2024: €14k
2022 → 2025
Total assets
€1.11M▲ 0.4%
2024 · €1.11M
2022: €716k
2023: €1.22M
2024: €1.11M
2022 → 2025
Net result
€-3k
2024 · €56k
2022: €-9k
2023: €-36k
2024: €56k
2022 → 2025
Working capital
€7k▼ 48.0%
2024 · €13k
2022: €-7k
2023: €-43k
2024: €13k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-7k-€-43k▼ 525%€14k€11k▼ 20.0%
Operating result€-2k-€-8k▼ 263%€85k€21k▼ 75.3%
Net result€-9k-€-36k▼ 306%€56k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€4k ▲ 720%
Current assets
€1.11M ▲ 0.1%
Equity and liabilities €1.11M
Equity
€11k ▼ 20.0%
Debt
€1.10M ▲ 0.6%
Debt's share of the balance-sheet total rises from 98.8% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.01▼
2024 · 1.01
Quick ratio
0.31▲
2024 · 0.04
ROE
-25.0%▼
2024 · 410.2%
ROA
-0.2%▼
2024 · 5.1%
Debt ≤ 1 year
€1.10M▲
2024 · €1.09M
Income taxes
€0▼
2024 · €5k
A ratio outside any meaningful range has been withheld (balance sheet total €1.11M, equity €11k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.11M€1.11M▲
Fixed assets21/28€500€4k▲
Financial fixed assets28€500€4k▲
Current assets29/58€1.10M€1.11M▲
Stocks and contracts in progress3€1.07M€765k▼
Stocks30/36€1.07M€765k▼
Amounts receivable within one year40/41€23k€49k▲
Trade receivables40€23k€6k▼
Other amounts receivable41€0€44k▲
Cash at bank and in hand54/58€15k€290k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.11M▲
Equity10/15€14k€11k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€12k€9k▼
Amounts payable17/49€1.09M€1.10M▲
Amounts payable within one year42/48€1.09M€1.10M▲
Current portion of amounts payable after more than one year42€223k€282k▲
Trade debts44€65k€45k▼
Suppliers440/4€65k€45k▼
Taxes, remuneration and social security45€12k€71k▲
Taxes450/3€12k€71k▲
Other amounts payable47/48€791k€701k▼
Income statement
Code20242025
Non-recurring operating income76A€464€1k▲
Other operating charges640/8€387€400▲
Non-recurring operating charges66A€50€544▲
Gross operating margin9900€85k€22k▼
Operating profit (loss)9901€85k€21k▼
Financial income75/76B€0€39▲
Recurring financial income75€0€39▲
Financial charges65/66B€24k€24k▼
Recurring financial charges65€24k€24k▼
Profit (loss) for the period before taxes9903€61k€-3k▼
Income taxes67/77€5k€0▼
Profit (loss) for the period9904€56k€-3k▼
Profit (loss) for the period to be appropriated9905€56k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€9k▼
Profit (loss) brought forward from the previous period14P€-45k€12k▲
The notes to these accounts (3 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €56k
Net result €56k after 2 loss-making years.
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
2023
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
11-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 133 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waterloo
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.
Avenue du Manoir 301410 WaterlooGround area
2,390 m²
Building footprint
320 m²
Volume, LiDAR
1,269 m³
Parcel 25763I0148/00_000, Wallonia · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 parcel
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. |
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
ANUVIAR
BE 0844.906.424
Antwerpen · Eq €10,943
CONDORVAST
BE 0465.915.150
Schilde · Eq €11,008
Project Scaldis
BE 0770.623.923
Bornem · Eq €11,012
Immo Topwijk
BE 0474.202.712
Antwerpen · Eq €10,932
Urban Context
BE 0734.720.758
Gent · Eq €11,022
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 3,230 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.