GOLDY DIAMONDS
ActiveSummary
GOLDY DIAMONDS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €319k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+74
Solvency37▲+11
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.14 in 2024; short-term debt: 75.8% and cash: 0.8% of total assets), and 88% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
11.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8001 sector peers (2025).
NBB · sector comparisonPosition among 8001 sector peers
Solvency
better than 19%
← weakest
strongest →
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 €335k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
27 d late
2023
26 d late
2022
5 d early
2021
24 d late
2020
1 d early
2019
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€335k▲ 1,985%
2024 · €16k
2018: €379k
2019: €629k
2020: €647k
2021: €650k
2022: €685k
2023: €252k
2024: €16k
2018 → 2025
Total assets
€2.79M▼ 4.3%
2024 · €2.92M
2018: €1.40M
2019: €3.20M
2020: €2.08M
2021: €2.59M
2022: €2.70M
2023: €2.10M
2024: €2.92M
2018 → 2025
Net result
€319k
2024 · €-236k
2018: €230k
2019: €250k
2020: €18k
2021: €3k
2022: €35k
2023: €-433k
2024: €-236k
2018 → 2025
Working capital
€672k▲ 90.4%
2024 · €353k
2018: €377k
2019: €627k
2020: €645k
2021: €646k
2022: €679k
2023: €248k
2024: €353k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€650k-€685k▲ 5.4%€252k▼ 63.2%€16k▼ 93.6%€335k▲ 1,985%
Operating result€22k-€63k▲ 188%€-408k€-210k▲ 48.7%€335k
Net result€3k-€35k▲ 1,298%€-433k€-236k▲ 45.5%€319k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €335k after a loss of €210k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.79M
Fixed assets
€2k ▼ 18.0%
Current assets
€2.79M ▼ 4.3%
Equity and liabilities €2.79M
Equity
€335k ▲ 1,985%
Debt
€2.46M ▼ 15.3%
Debt's share of the balance-sheet total falls from 99.4% to 88.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€336k▲
2024 · €-208k
Cash flow
€319k▲
2024 · €-234k
Current ratio
1.32▲
2024 · 1.14
Quick ratio
1.25▲
2024 · 0.90
Debt to equity
7.34
ROE
95.2%
ROA
11.4%▲
2024 · -8.1%
Interest coverage
42.46▲
2024 · -18.79
Debt ≤ 1 year
€2.12M▼
2024 · €2.56M
Debt > 1 year
€340k=
2024 · €340k
Income taxes
€10k▼
2024 · €17k
Staff costs
€34k▼
2024 · €46k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.92M€2.79M▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€949€417▼
Plant, machinery and equipment23€520€206▼
Furniture and vehicles24€429€211▼
Financial fixed assets28€2k€2k=
Current assets29/58€2.91M€2.79M▼
Stocks and contracts in progress3€599k€134k▼
Stocks30/36€599k€134k▼
Amounts receivable within one year40/41€2.30M€2.63M▲
Trade receivables40€2.30M€2.63M▲
Other amounts receivable41€3k€580▼
Cash at bank and in hand54/58€14k€23k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€2.92M€2.79M▼
Equity10/15€16k€335k▲
Contributions10/11€14k€14k=
Reserves13€238k€238k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€236k€236k=
Profit (loss) carried forward14€-236k€83k▲
Amounts payable17/49€2.90M€2.46M▼
Amounts payable after more than one year17€340k€340k=
Financial debts170/4€340k€340k=
Amounts payable within one year42/48€2.56M€2.12M▼
Trade debts44€2.04M€1.63M▼
Suppliers440/4€2.04M€1.63M▼
Taxes, remuneration and social security45€51k€35k▼
Taxes450/3€37k€29k▼
Remuneration and social security454/9€14k€6k▼
Other amounts payable47/48€473k€451k▼
Income statement
Code20242025
Remuneration, social security and pensions62€46k€34k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€532▼
Other operating charges640/8€1k€308▼
Gross operating margin9900€-161k€370k▲
Operating profit (loss)9901€-210k€335k▲
Financial income75/76B€2k€804▼
Recurring financial income75€2k€804▼
Financial charges65/66B€11k€8k▼
Recurring financial charges65€11k€8k▼
Profit (loss) for the period before taxes9903€-219k€328k▲
Income taxes67/77€17k€10k▼
Profit (loss) for the period9904€-236k€319k▲
Profit (loss) for the period to be appropriated9905€-236k€319k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-236k€83k▲
Profit (loss) brought forward from the previous period14P-€-236k
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
23-09
State Gazette act
Resignation: Bansal Gunjan (director)Director discharge3 facts ▸
State Gazette act
Resignation: Bansal Gunjan (director)
Director discharge3 facts ▸
- General meeting, 27-08-2026
- Director resignation, Bansal Gunjan (director)
- Director discharge, Bansal Gunjan (director)
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Back to profitnet €319k
Net result €319k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €335k ▲1985%
Equity rises from €16k to €335k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-433k ▼1333%
Net result drops to €-433k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Equity above €500kEq €629k ▲66%
2 profitable years in a row build equity to €629k.
Show earlier events
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
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.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-09-2026
Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2015
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.
Pelikaanstraat 622018 AntwerpenGround area
50 m²
Parcel 11808H1182/00X017, Flanders. Linked by address, not a title deed.
1 establishment unit
GOLDY DIAMONDS
since 20152.242.502.121
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00X017 | Flanders | 49 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.
Similar companies · same sector, comparable size
Pannadiam
BE 0429.946.560
Antwerpen · Eq €331,523
PHIDIOR
BE 0423.275.831
Antwerpen · Eq €329,494
NOAM JEWELS
BE 0457.590.669
Antwerpen · Eq €341,742
GENERAL TRADING DIAMOND COMPANY
BE 0458.250.566
Antwerpen · Eq €327,245
LANGERMAN
BE 0698.590.139
Brussel · Eq €326,845
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 467 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.