FILET DIVERS
ActiveSummary
FILET DIVERS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191,217 and a net result of €9,469. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 279 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
What they do
Other membership organisations
NACE 94999
1 site
How big
€232,577total assets 2025
- Staff
- 5.5 FTE
- Equity
- €191,217
- Profit
- €9,469
Turnover not published (abridged schema)
Who decides
- Board
- 2 members
Accounts 85 d early1 of 6 deeds read
Why 95+ Lower-risk legal form+ Lower-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability74▲+4
Solvency100▲+3
Growth82=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 5.62 against 3.77 in 2024; short-term debt: 17.8% and cash: 91% of total assets), and 17.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Activities of membership organisations (NACE 94)
about 92% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
82.2%
Return on assets
4.1%
Age of the figures
9 mo
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 07-05-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
1 d late
2023
59 d late
2022
425 d late
2021
789 d late
2020
76 d early
2019
66 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 150 days after the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 25% of the sector filed late.
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. Usually files around 29 September (4 of the last 5 filed years within 365 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Appointments: Isabel Van Obergen (director) and…State Gazette act
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
Financials
Fiscal year 2025Total assets €232,577Profit €9,469Solvency 82.2%Liquidity 5.62
Turnover
€134,239▲ 7.7%
2019 - 2021
Net result
€9,469▲ 247%
2018 - 2025
Equity
€191,217▲ 5.2%
2018 - 2025
Staff (FTE)
5.5▼ 12.7%
2018 - 2025
Financials · fiscal year 2025, abbreviated schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 94, Activities of membership organisations, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€134,239▲ 7.7%
Operating result€91,055▲ 215%€4,662▼ 94.9%€19,923▲ 327%€2,976▼ 85.1%€9,738▲ 227%
Net result€90,822within the sector's middle half▲ 216%€4,498within the sector's middle half▼ 95.0%€19,769within the sector's middle half▲ 340%€2,728within the sector's middle half▼ 86.2%€9,469within the sector's middle half▲ 247%
EBIT margin67.8%▲ 44.7pp
Equity€153,855below the sector's middle half▲ 144%€158,352below the sector's middle half▲ 2.9%€179,021below the sector's middle half▲ 13.1%€181,749below the sector's middle half▲ 1.5%€191,217below the sector's middle half▲ 5.2%
Total assets€220,890below the sector's middle half▲ 69.3%€218,031below the sector's middle half▼ 1.3%€298,106below the sector's middle half▲ 36.7%€254,043below the sector's middle half▼ 14.8%€232,577below the sector's middle half▼ 8.4%
Debt€67,035▼ 0.6%€59,679▼ 11.0%€119,086▲ 99.5%€72,295▼ 39.3%€41,360▼ 42.8%
Working capital€171,202below the sector's middle half▲ 54.1%€162,464below the sector's middle half▼ 5.1%€185,764below the sector's middle half▲ 14.3%€186,129below the sector's middle half▲ 0.2%€191,217below the sector's middle half▲ 2.7%
Solvency69.7%within the sector's middle half▲ 21.4pp72.6%within the sector's middle half▲ 3.0pp60.1%within the sector's middle half▼ 12.6pp71.5%within the sector's middle half▲ 11.5pp82.2%within the sector's middle half▲ 10.7pp
Current ratio4.64within the sector's middle half▼ 2.194.03within the sector's middle half▼ 0.622.67within the sector's middle half▼ 1.353.77within the sector's middle half▲ 1.095.62within the sector's middle half▲ 1.86
Return on assets (ROA)41.1%above the sector's middle half▲ 19.1pp2.1%within the sector's middle half▼ 39.1pp6.6%above the sector's middle half▲ 4.6pp1.1%within the sector's middle half▼ 5.6pp4.1%within the sector's middle half▲ 3.0pp
Staff (FTE)6.3within the sector's middle half5.5within the sector's middle half▼ 12.7%
above
within
below
the middle half (P25 to P75) of NACE 94, Activities of membership organisations, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 227% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €232,577
Equity
€191,217 ▲ 5.2%
Debt
€41,360 ▼ 42.8%
Debt's share of the balance-sheet total falls from 28.5% to 17.8%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€10,368▲
2024 · €3,605
Cash flow
€10,099▲
2024 · €3,357
Quick ratio
5.39▲
2024 · 3.66
Debt to equity
0.22▼
2024 · 0.40
ROE
5.0%▲
2024 · 1.5%
Interest coverage
35.15▲
2024 · 14.07
Debt ≤ 1 year
€41,360▼
2024 · €67,285
Staff costs
€306,099▼
2024 · €322,235
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.7%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €134,239 | - | - | - | - | - |
| Non-recurring operating income76A | €515,577 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €212,608 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €210,329 | €292,367 | €308,993 | €322,235 | €306,099 | ▼ 5.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €821 | €821 | €629 | €629 | €630 | ▲ 0.2% |
| Other operating charges640/8 | €493 | €136 | €3,097 | €24,065 | €1,670 | ▼ 93.1% |
| Non-recurring operating charges66A | €272 | - | €8,902 | - | - | - |
| Gross operating margin9900 | €302,969 | €297,986 | €341,544 | €349,905 | €318,137 | ▼ 9.1% |
| Operating profit (loss)9901 | €91,055 | €4,662 | €19,923 | €2,976 | €9,738 | ▲ 227% |
| Financial income75/76B | €44 | €1 | €0 | €8 | €26 | ▲ 228% |
| Recurring financial income75 | €44 | €1 | €0 | €8 | €26 | ▲ 228% |
| Financial charges65/66B | €277 | €166 | €155 | €256 | €295 | ▲ 15.1% |
| Recurring financial charges65 | €277 | €166 | €155 | €256 | €295 | ▲ 15.1% |
| Profit (loss) for the period before taxes9903 | €90,822 | €4,498 | €19,769 | €2,728 | €9,469 | ▲ 247% |
| Profit (loss) for the period9904 | €90,822 | €4,498 | €19,769 | €2,728 | €9,469 | ▲ 247% |
| Transfer to tax-exempt reserves689 | €18,164 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €72,658 | €4,498 | €19,769 | €2,728 | €9,469 | ▲ 247% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €220,890 | €218,031 | €298,106 | €254,043 | €232,577 | ▼ 8.4% |
| Fixed assets21/28 | €2,709 | €1,888 | €1,259 | €630 | - | - |
| Tangible fixed assets22/27 | €2,709 | €1,888 | €1,259 | €630 | - | - |
| Plant, machinery and equipment23 | €2,709 | €1,888 | €1,259 | €630 | - | - |
| Current assets29/58 | €218,181 | €216,143 | €296,847 | €253,413 | €232,577 | ▼ 8.2% |
| Stocks and contracts in progress3 | €8,440 | €8,496 | €6,579 | €7,285 | €9,449 | ▲ 29.7% |
| Stocks30/36 | €8,440 | €8,496 | €6,579 | €7,285 | €9,449 | ▲ 29.7% |
| Amounts receivable within one year40/41 | €11,762 | €9,920 | €32,821 | €26,006 | €7,767 | ▼ 70.1% |
| Trade receivables40 | €7,861 | €5,598 | €2,773 | €16,006 | €7,545 | ▼ 52.9% |
| Other amounts receivable41 | €3,902 | €4,322 | €30,049 | €10,000 | €222 | ▼ 97.8% |
| Current investments50/53 | €250 | €250 | €250 | €250 | €250 | = |
| Cash at bank and in hand54/58 | €197,729 | €197,478 | €257,197 | €219,593 | €211,591 | ▼ 3.6% |
| Deferred charges and accrued income490/1 | - | - | - | €280 | €3,520 | ▲ 1,157% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €220,890 | €218,031 | €298,106 | €254,043 | €232,577 | ▼ 8.4% |
| Equity10/15 | €153,855 | €158,352 | €179,021 | €181,749 | €191,217 | ▲ 5.2% |
| Reserves13 | €29,572 | €29,572 | €34,425 | €34,971 | €36,864 | ▲ 5.4% |
| Profit (loss) carried forward14 | €124,283 | €128,781 | €144,596 | €146,778 | €154,353 | ▲ 5.2% |
| Amounts payable17/49 | €67,035 | €59,679 | €119,086 | €72,295 | €41,360 | ▼ 42.8% |
| Amounts payable within one year42/48 | €46,979 | €53,679 | €111,083 | €67,285 | €41,360 | ▼ 38.5% |
| Trade debts44 | €14,071 | €12,745 | €58,830 | €30,635 | €6,857 | ▼ 77.6% |
| Suppliers440/4 | €14,071 | €12,745 | €58,830 | €30,635 | €6,857 | ▼ 77.6% |
| Taxes, remuneration and social security45 | €32,908 | €30,968 | €49,006 | €36,650 | €34,503 | ▼ 5.9% |
| Remuneration and social security454/9 | €32,908 | €30,968 | €49,006 | €36,650 | €34,503 | ▼ 5.9% |
| Accrued charges and deferred income492/3 | €20,056 | €6,000 | €8,003 | €5,010 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €90,822 | €4,498 | €19,769 | €2,728 | €9,469 | ▲ 247% |
| + Depreciation and write-downs630 | €821 | €821 | €629 | €629 | €630 | ▲ 0.2% |
| Operating cash flow (approximation) | €91,643 | €5,318 | €20,398 | €3,357 | €10,099 | ▲ 201% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - | - |
| Change in cash | - | -€251 | €59,720 | -€37,605 | -€8,002 | ▲ 78.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
BANLIEUES
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Underwater Solutions Group
BE 0748.585.424
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SOLIDARITE FEMMES ET REFUGE POUR FEMMES VICTIMES DE VIOLENCES
BE 0435.423.102
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Mondiale Werken Regio Lier
BE 0649.920.091
Lier · Eq €188,177
Of 3,134 companies in this sector we hold annual accounts for 714. 527 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
2 directors
Directors
Directors
2 directors, last change in 2025
Isabel Van Obergen
CurrentDirector · since 10-12-2025
JACOBS Danny
CurrentDirector · since 10-12-2025
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Mandate history
2 people since 2025, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| Isabel Van Obergen |
|
| JACOBS Danny |
|
Structure & network
Connections & network
8 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
Bond Zonder Naam
via JACOBS Danny · Director
→
Bond Zonder Naam Sociaal Cultureel Werk
via JACOBS Danny · Director
→
VOGELBESCHERMING VLAANDEREN
via JACOBS Danny · Director
→
BOND BETER LEEFMILIEU VLAANDEREN
via JACOBS Danny · Day-to-day manager
former→
Show 4 more companies with a shared director
BOS+ Vlaanderen
via JACOBS Danny · Director and treasurer
former→
BOSPLUS TROPEN
via JACOBS Danny · Director and treasurer
former→
Sociale Innovatiefabriek
via JACOBS Danny · Director
former→
The Shift
via JACOBS Danny · Director
former→
Timeline
15 eventsLatest 20-05-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-05
State Gazette act
Appointments: Isabel Van Obergen (director) and Danny Jacobs (director)17 facts ▸
State Gazette act
Appointments: Isabel Van Obergen (director) and Danny Jacobs (director)
17 facts ▸
- General meeting, 10-12-2025
- Director appointment, Isabel Van Obergen (director)
- Director appointment, Danny Jacobs (director)
- Board composition, Liza Mkrtchyan
- Board composition, Dina De Haeck
- Board composition, Dieter Rypens
- Board composition, Elise de Groot
- Board composition, Kornelis Kinsbergen
- Board composition, Liesbeth Volders
- Board composition, Veerle De Vos
- Board composition, Tom Dekkers
- Board composition, Eric Hermans
- +5 further facts in this act
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 1 day late
2024
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 59 days late
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 425 days late
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 789 days late
2021
31-12
Financial
Highest result since 2018net €90,822 ▲216%
Operating result €91,055, net result €90,822, both a record.
31-12
Financial
Equity above €150,000Eq €153,855 ▲144%
3 profitable years in a row build equity to €153,855.
16-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 6.84
Current ratio from 1.99 to 6.84; short-term debt falls from €34,889 to €19,028.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €11,772
Net result €11,772 after one loss-making year.
Show earlier events
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Support & recognitions
1 funding sourceFlanders €306,6363 registers with recognitionsFASFC 1 site
Flemish government
€306,636
awarded · 2022 - 2025
FASFC
1
authorised site
Care
1
facility
Work and economy
1
current recognition
Subsidies and aid
Flemish government
2022 to 2025 · 10 entries · €306,636 awarded · €306,636 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | €75,690 | €75,690 |
| 2024 | 2 | €74,968 | €74,968 |
| 2023 | 3 | €80,705 | €80,705 |
| 2022 | 3 | €75,273 | €75,273 |
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpenunit no. 2.208.713.061
Care and welfare
1 serviceFILET DIVERS
Quality registration as a provider
1 live approvalQuality registration as a provider
Company details
Non-profit association · founded 12-01-2009Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formNon-profit association
Founded12-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
94999Other membership organisations
E-invoicing
Reachable via Peppol
Peppol ID
0208:0810084810
Also
9925:BE0810084810
Registered
05-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2012
Ground area
504 m²
Building footprint
497 m²
Volume, LiDAR
3,479 m³
Parcel 11806F1266/00T010, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FILET DIVERS
since 2012unit no. 2.208.713.061
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1266/00T010 | Flanders | 504 m² | 1 · 497 m² | 9.2 m · 3 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.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark
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