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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of DIVA CONSTRUCT is 3.2% (moderate). The 2024 annual accounts show negative equity (€-12k) and a net result of €-52k. Equity is shrinking by ~70.3% per year across the filed fiscal years. Its solvency ranks better than 12% of 333 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.2%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 29-07-2025 | 2 d early | 2025-00325671 |
| 31-12-2023 | 31-07-2024 | 04-07-2024 | 27 d early | 2024-00207126 |
| 31-12-2022 | 31-07-2023 | 23-08-2023 | 23 d late | 2023-00343692 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-52k-1066.2%
Working capital€-27k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~70.3%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -1.9% | 24.2% | |
| Net result | €-52k | €16k | |
| Equity | €-12k | €73k | |
| Gross operating margin | €52k | €81k | |
| Staff costs | €55k | €140k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P12
Weakening position over 2022-2024
· n=262-333
P13
Weakening position over 2022-2024
· n=261-333
P10
Weakening position over 2022-2024
· n=262-333
P42
Weakening position over 2022-2024
· n=260-333
Describes the position versus peers, not a forecast.
€-50k
-
22-24
€-52k
-1066.2%
22-24
€-50k
-2140.6%
22-24
€627k
-4.6%
22-24
€-12k
-
22-24
€-27k
-
22-24
2
-46.7%
22-24
€55k
-26.5%
22-24
€17
-99.5%
22-24
€638k
+3.5%
22-24
€638k
+3.5%
22-24
0.96
-8.9%
22-24
0.96
-8.9%
22-24
-1.9%
-
22-24
-54.22
-
22-24
438.7%
-
22-24
-8.2%
-1122.4%
22-24
-604.08
-
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €-50k |
| Net profit | €-52k |
| Cash flow | €-50k |
| Staff costs | €55k |
| Income taxes | €17 |
| Dividends | - |
| Total assets | €627k |
| Equity | €-12k |
| Debt | €638k |
| of which ≤ 1y | €638k |
| of which > 1y | - |
| Working capital | €-27k |
| Employees (FTE) | 1.6 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.96 |
| Quick ratio | 0.96 |
| Working capital ratio | -4.3% |
| Solvency | -1.9% |
| Debt / equity | -54.22 |
| Long-term debt ratio | - |
| Interest coverage | -604.08 |
| Gross margin | - |
| Net margin | - |
| ROA | -8.2% |
| ROE | 438.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €627k |
| Fixed assets | 21/28 | €15k |
| Tangible fixed assets | 22/27 | €9k |
| Financial fixed assets | 28 | €7k |
| Current assets | 29/58 | €611k |
| Amounts receivable within one year | 40/41 | €565k |
| Cash & bank | 54/58 | €41k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €627k |
| Equity | 10/15 | €-12k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-17k |
| Amounts payable | 17/49 | €638k |
| Amounts payable within one year | 42/48 | €638k |
| Trade debts payable within one year | 44 | €631k |
| Income statement | ||
| Gross operating margin | 9900 | €52k |
| Operating result | 9901 | €-52k |
| Financial charges | 65 | €83 |
| Result before taxes | 9903 | €-52k |
| Income taxes | 67/77 | €17 |
| Net result for the period | 9904 | €-52k |
| Result to be appropriated | 9905 | €-52k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed12
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
3 directorsCurrent directors & mandates
-
VIEIRA DA SILVA Jeronimo AndréDirectorState Gazette act 25008689 (21-01-2025)Current21-01-2025 → present
-
YILMAZ HalitDirectorState Gazette act 24060117 (12-04-2024)Current30-04-2023 → present
2 events
- 12-04-2024 Appointed· Director
- 30-04-2023 Appointed· Director
Former directors (1)
-
Carvalho Da Silva, Joao ManuelDirectorState Gazette act 24060117 (12-04-2024)Former- → 12-04-2024
2 events
- 12-04-2024 Resigned· Director
- 30-04-2023 Resigned· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 07-06-2021 |
| Status | Active |
| Postal code | 1731 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationDIVA CONSTRUCT
since 20212.321.540.689
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area5,629 m²
Buildings2
Building footprint2,344 m²
Volume (LiDAR)25,302 m³
Tallest building19.4 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0031/00L000 | Flanders | 4,522 m² | 1 · 1,237 m² | 19.4 m · 5 fl. |
| 23095B0028/00D002 | Flanders | 1,107 m² | 1 · 1,107 m² | 9.2 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
6 acts Capital history · 3
21-01-2025
Capital change
02-05-2024
Capital change
24-08-2022
Capital change
Address history · 1
12-06-2025
Registered-office move
All acts · 6
updated 1 year ago
2025
12-06-2025 Registered office moved from Zaventem to Zellik
- Belgicastraat 7, 1930 Zaventem → Zone 3 Doornveld 121, 1731 Zellik
21-01-2025 Transaction in capital or shares
2024
02-05-2024 Transaction in capital or shares
12-04-2024 1 director appointed, 1 resigning
- YILMAZ Halit, Bestuurder
- CARVALHO DA SILVA Joao Manuel, Bestuurder
2023
09-06-2023 1 director appointed, 1 resigning
- Yilmaz Halit, Bestuurder
- Carvalho Da Silva, Joao Manuel, Bestuurder
2022
24-08-2022 Transaction in capital or shares
Analysis
Snowflake analysis
financial profile on 5 axes56
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
12
Profitability
100
Solvency
44
Growth
32
Stability
94
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Credit advice
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We hold annual accounts for 5,317 of the 29,570 companies in this sector. 4,721 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Loodgieterswerk43221Sanitaire werkzaamheden43221Installatie van isolatie43230Isolatiewerkzaamheden43291Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Verhuur en lease van machines, apparatuur en handgereedschap voor doe-het-zelvers77221Verhuur en lease van machines, apparatuur en handgereedschap voor doe-het-zelvers77291
Primary activity highlighted.
Names & trade names
| Legal nameNL | DIVA CONSTRUCT |
Registered office
Z. 3 Doornveld 121
1731 Asse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.