D'VINE
ActiveD'VINE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €16k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 31% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-23
Solvency37▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.5 against 1.94 in 2024; short-term debt: 27.9% and cash: 5.6% of total assets), and 88% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
12%
Return on assets
2.3%
Age of the figures
9 mo
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
1819202122232425
2018 to 2025 · latest year €83k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
36 d late
2023
61 d late
2022
60 d late
2021
60 d late
2020
90 d late
2019
27 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 24.0%
2024 · €67k
2018: €66k
2019: €75k
2020: €75k
2021: €65k
2022: €-14k
2023: €894
2024: €67k
2018 → 2025
Total assets
€697k▲ 6.7%
2024 · €653k
2018: €747k
2019: €748k
2020: €827k
2021: €781k
2022: €675k
2023: €611k
2024: €653k
2018 → 2025
Net result
€16k▼ 75.7%
2024 · €66k
2018: €7k
2019: €9k
2020: €-131
2021: €-10k
2022: €-78k
2023: €15k
2024: €66k
2018 → 2025
Working capital
€97k▼ 12.6%
2024 · €111k
2018: €-183k
2019: €-170k
2020: €-194k
2021: €-206k
2022: €808
2023: €70k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€-14k€894€67k▲ 7,422%€83k▲ 24.0%
Operating result€-292-€-72k▼ 24,538%€102k€123k▲ 20.9%€39k▼ 68.3%
Net result€-10k-€-78k▼ 688%€15k€66k▲ 354%€16k▼ 75.7%
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 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €697k
Fixed assets
€406k▼ 4.5%
Current assets
€291k▲ 27.5%
Equity and liabilities €697k
Equity
€83k▲ 24.0%
Debt
€614k▲ 4.7%
The debt ratio falls from 89.7% to 88.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▼
2024 · €162k
Cash flow
€49k▼
2024 · €105k
Solvency
12.0%▲
2024 · 10.3%
Current ratio
1.50▼
2024 · 1.94
Quick ratio
0.47▲
2024 · 0.26
Debt / equity
7.37▼
2024 · 8.72
ROE
19.3%▼
2024 · 98.7%
ROA
2.3%▼
2024 · 10.2%
Interest coverage
4.36▼
2024 · 8.08
Debt
€614k▲
2024 · €586k
Debt ≤ 1 year
€194k▲
2024 · €118k
Debt > 1 year
€419k▼
2024 · €468k
Income taxes
€10k▼
2024 · €42k
Staff costs
€100k▼
2024 · €104k
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€653k€697k▲
Fixed assets21/28€425k€406k▼
Tangible fixed assets22/27€425k€406k▼
Land and buildings22€371k€365k▼
Plant, machinery and equipment23€47k€38k▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€229k€291k▲
Stocks and contracts in progress3€197k€200k▲
Stocks30/36€197k€200k▲
Amounts receivable within one year40/41€17k€52k▲
Trade receivables40€2k€25k▲
Other amounts receivable41€15k€27k▲
Cash at bank and in hand54/58€14k€39k▲
Equity and liabilities
Total equity and liabilities10/49€653k€697k▲
Equity10/15€67k€83k▲
Contributions10/11€19k€19k=
Reserves13€49k€65k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€47k€63k▲
Amounts payable17/49€586k€614k▲
Amounts payable after more than one year17€468k€419k▼
Financial debts170/4€226k€218k▼
Other amounts payable178/9€243k€201k▼
Amounts payable within one year42/48€118k€194k▲
Current portion of amounts payable after more than one year42€65k€104k▲
Trade debts44€5k€60k▲
Suppliers440/4€5k€60k▲
Taxes, remuneration and social security45€26k€30k▲
Taxes450/3€8k€15k▲
Remuneration and social security454/9€18k€15k▼
Other amounts payable47/48€21k-
Income statement
Code20242025
Non-recurring operating income76A€20k-
Remuneration, social security and pensions62€104k€100k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€33k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€269k€176k▼
Operating profit (loss)9901€123k€39k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€20k€17k▼
Recurring financial charges65€20k€17k▼
Profit (loss) for the period before taxes9903€108k€26k▼
Income taxes67/77€42k€10k▼
Profit (loss) for the period9904€66k€16k▼
Profit (loss) for the period to be appropriated9905€66k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€16k▼
Profit (loss) brought forward from the previous period14P€-20k-
Transfer to equity691/2€47k€16k▼
To other reserves6921€47k€16k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 36 days late
2024
31-12
Financial
Highest result since 2018net €66k ▲354%
Operating result €123k, net result €66k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after 3 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €-78k
Net result drops to €-78k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Beringen · 1 establishment unit since 2006
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.
Lochtenbergstraat 423582 BeringenGround area
3,680 m²
Building footprint
1,233 m²
Volume, LiDAR
10,079 m³
2 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Looks & Vision
since 20062.155.629.020
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71029B0798/00M003 | Flanders | 2,363 m² | 1 · 201 m² | 9.2 m · 2 fl. |
| 71029B2000/00H000 | Flanders | 1,317 m² | 1 · 1,032 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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HDC
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Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 987 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2006
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.