MV DIVINA
ActiveThe computed 12-month bankruptcy probability of MV DIVINA is 2.6% (moderate). The 2025 annual accounts show equity of €159k and a net result of €8k. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 68% of 3620 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-7
Solvency72▲+19
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.26 in 2024; short-term debt: 50.3% and cash: 45.1% of total assets), and 53% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
47%
Return on assets
2.4%
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
9 d late
2023
15 d late
2022
11 d late
2021
31 d late
2020
19 d late
2019
3 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
€159k▲ 5.3%
2024 · €151k
2018: €42k
2019: €6k
2020: €-149k
2021: €-58k
2022: €74k
2023: €133k
2024: €151k
2018 → 2025
Total assets
€338k▼ 38.4%
2024 · €548k
2018: €372k
2019: €412k
2020: €243k
2021: €159k
2022: €338k
2023: €470k
2024: €548k
2018 → 2025
Net result
€8k▼ 54.8%
2024 · €18k
2018: €11k
2019: €-36k
2020: €-155k
2021: €91k
2022: €131k
2023: €60k
2024: €18k
2018 → 2025
Working capital
€71k▼ 25.2%
2024 · €96k
2018: €-92k
2019: €-87k
2020: €-279k
2021: €-130k
2022: €18k
2023: €101k
2024: €96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-58k-€74k€133k▲ 81.0%€151k▲ 13.2%€159k▲ 5.3%
Operating result€101k-€166k▲ 64.5%€105k▼ 36.8%€58k▼ 44.7%€32k▼ 45.2%
Net result€91k-€131k▲ 44.3%€60k▼ 54.6%€18k▼ 70.5%€8k▼ 54.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 45% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €338k
Fixed assets
€97k▲ 18.8%
Current assets
€241k▼ 48.4%
Equity and liabilities €338k
Equity
€159k▲ 5.3%
Debt
€179k▼ 55.0%
The debt ratio falls from 72.5% to 53.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k▼
2024 · €96k
Cash flow
€42k▼
2024 · €56k
Solvency
47.0%▲
2024 · 27.5%
Current ratio
1.42▲
2024 · 1.26
Quick ratio
1.41▲
2024 · 1.25
Debt / equity
1.13▼
2024 · 2.63
ROE
5.0%▼
2024 · 11.7%
ROA
2.4%▼
2024 · 3.2%
Interest coverage
3.18▼
2024 · 3.82
Debt
€179k▼
2024 · €397k
Debt ≤ 1 year
€170k▼
2024 · €371k
Debt > 1 year
€9k▼
2024 · €26k
Income taxes
€10k▼
2024 · €16k
Staff costs
€587k▲
2024 · €453k
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€548k€338k▼
Fixed assets21/28€81k€97k▲
Tangible fixed assets22/27€81k€96k▲
Plant, machinery and equipment23€13k€31k▲
Furniture and vehicles24€25k€35k▲
Leasing and similar rights25€37k€25k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€90€90=
Current assets29/58€467k€241k▼
Stocks and contracts in progress3€819€1k▲
Stocks30/36€819€1k▲
Amounts receivable within one year40/41€195k€83k▼
Trade receivables40€180k€2k▼
Other amounts receivable41€15k€82k▲
Cash at bank and in hand54/58€271k€152k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€548k€338k▼
Equity10/15€151k€159k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€132k€132k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€130k€130k=
Profit (loss) carried forward14-€8k
Amounts payable17/49€397k€179k▼
Amounts payable after more than one year17€26k€9k▼
Financial debts170/4€26k€9k▼
Amounts payable within one year42/48€371k€170k▼
Current portion of amounts payable after more than one year42€28k€14k▼
Financial debts43-€55k
Credit institutions430/8-€55k
Trade debts44€194k€33k▼
Suppliers440/4€194k€33k▼
Taxes, remuneration and social security45€149k€68k▼
Taxes450/3€81k€33k▼
Remuneration and social security454/9€68k€36k▼
Income statement
Code20242025
Remuneration, social security and pensions62€453k€587k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€34k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€553k€657k▲
Operating profit (loss)9901€58k€32k▼
Financial income75/76B€1k€7k▲
Recurring financial income75€1k€7k▲
Financial charges65/66B€25k€21k▼
Recurring financial charges65€25k€21k▼
Profit (loss) for the period before taxes9903€34k€18k▼
Income taxes67/77€16k€10k▼
Profit (loss) for the period9904€18k€8k▼
Profit (loss) for the period to be appropriated9905€18k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€8k▼
Transfer to equity691/2€18k-
To other reserves6921€18k-
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 9 days late
2024
31-12
Financial
Equity above €150kEq €151k ▲13.2%
4 profitable years in a row build equity to €151k.
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
31-12
Financial
Equity above €100kEq €133k ▲81%
3 profitable years in a row build equity to €133k.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Highest result since 2018net €131k ▲44.3%
Operating result €166k, net result €131k, both a record.
31-12
Financial
Liquidity times 9current ratio 1.11
Current ratio from 0.12 to 1.11.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €91k
Net result €91k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €-155k
Net result drops to €-155k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel · 1 establishment unit since 2016
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.
Bergstraat 161000 BrusselGround area
40 m²
Parcel 21802B1095/00B000, Brussels. Linked by address, not a title deed.
1 establishment unit
MV DIVINA
since 20162.252.929.918
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B1095/00B000 | Brussels | 40 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.252.929.918
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Genk · Eq €159k
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Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 8,964 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-02-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.