DIRGAR
ActiveDIRGAR has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €-11k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 93% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-1
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 6.44 against 22.82 in 2024; short-term debt: 14.6% and cash: 43.1% of total assets), and 14.6% 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 · 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-11k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
56 d late
2023
68 d late
2022
10 d late
2021
29 d late
2020
2 d early
2019
14 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 12.4%
2024 · €88k
2018: €82k
2019: €88k
2020: €87k
2021: €103k
2022: €110k
2023: €98k
2024: €88k
2018 → 2025
Total assets
€90k▼ 1.6%
2024 · €92k
2018: €111k
2019: €109k
2020: €99k
2021: €116k
2022: €122k
2023: €105k
2024: €92k
2018 → 2025
Net result
€-11k▼ 7.8%
2024 · €-10k
2018: €-2k
2019: €6k
2020: €-1k
2021: €16k
2022: €7k
2023: €-13k
2024: €-10k
2018 → 2025
Working capital
€72k▼ 12.6%
2024 · €82k
2018: €66k
2019: €75k
2020: €76k
2021: €94k
2022: €103k
2023: €92k
2024: €82k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€110k▲ 7.2%€98k▼ 11.4%€88k▼ 10.4%€77k▼ 12.4%
Operating result€16k-€4k▼ 74.8%€-11k€-10k▲ 8.7%€-11k▼ 7.7%
Net result€16k-€7k▼ 54.0%€-13k€-10k▲ 19.2%€-11k▼ 7.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €10k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€5k▼ 10.2%
Current assets
€85k▼ 1.1%
Equity and liabilities €90k
Equity
€77k▼ 12.4%
Debt
€13k▲ 250%
The debt ratio rises from 4.1% to 14.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k▼
2024 · €-10k
Cash flow
€-10k▼
2024 · €-10k
Solvency
85.4%▼
2024 · 95.9%
Current ratio
6.44▼
2024 · 22.82
Quick ratio
6.44▼
2024 · 22.82
Debt / equity
0.17▲
2024 · 0.04
ROE
-14.2%▼
2024 · -11.5%
ROA
-12.1%▼
2024 · -11.1%
Interest coverage
-9.23▼
2024 · -6.59
Debt
€13k▲
2024 · €4k
Debt ≤ 1 year
€13k▲
2024 · €4k
Income taxes
€141▲
2024 · €26
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€92k€90k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€4k€4k=
Current assets29/58€86k€85k▼
Amounts receivable after more than one year29€46k€46k=
Other amounts receivable291€46k€46k=
Amounts receivable within one year40/41€298€325▲
Other amounts receivable41€298€325▲
Cash at bank and in hand54/58€40k€39k▼
Deferred charges and accrued income490/1€228-
Equity and liabilities
Total equity and liabilities10/49€92k€90k▼
Equity10/15€88k€77k▼
Contributions10/11€14k€14k=
Reserves13€74k€63k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€68k€58k▼
Amounts payable17/49€4k€13k▲
Amounts payable within one year42/48€4k€13k▲
Trade debts44€636€999▲
Suppliers440/4€636€999▲
Taxes, remuneration and social security45€155€167▲
Taxes450/3€155€167▲
Other amounts payable47/48€3k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€269-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€292€584▲
Other operating charges640/8€1k€819▼
Gross operating margin9900€-8k€-10k▼
Operating profit (loss)9901€-10k€-11k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-10k€-11k▼
Income taxes67/77€26€141▲
Profit (loss) for the period9904€-10k€-11k▼
Profit (loss) for the period to be appropriated9905€-10k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-11k▼
Transfer from equity791/2€10k€11k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €-13k ▼270%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Equity above €100kEq €103k ▲18.4%
Equity rises from €87k to €103k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Wuustwezel · 1 establishment unit since 2003
Ground area
660 m²
Building footprint
130 m²
Volume, LiDAR
460 m³
Parcel 11682G0460/00R028, Flanders · tallest building 8.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
-
since 20032.115.471.317
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0460/00R028 | Flanders | 660 m² | 1 · 130 m² | 8.8 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.
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STEIN
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MANJAAR
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CARIER
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2002
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.