DBD Construct · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DBD Construct is 1.3% (low). The 2023 annual accounts show equity of €273k and a net result of €24k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 9099 sector peers (fiscal year 2023). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

Insufficient current data: the most recent filed accounts (financial year 2023) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 30-06-2024 was due at the National Bank by 31-01-2025. Nothing is on record today, 559 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Filed after the deadline

The financial year that closed on 30-06-2023 was due by 31-01-2024 and was filed on 11-04-2024, 71 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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. 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 30-06-2023, that is 31-01-2024.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	nothing on record	not filed	-
30-06-2024	31-01-2025	nothing on record	not filed	-
30-06-2023	31-01-2024	11-04-2024	71 d late	2024-00061305
30-06-2021	31-01-2022	01-12-2022	304 d late	2022-20529368
30-06-2020	31-01-2021	01-12-2022	669 d late	2022-20529366
30-06-2019	31-01-2020	08-06-2020	129 d late	2020-15200414
30-06-2018	31-01-2019	28-02-2019	28 d late	2019-06500164
30-06-2017	31-01-2018	28-02-2018	28 d late	2018-06200362
30-06-2016	31-01-2017	27-02-2017	27 d late	2017-05800087
30-06-2015	31-01-2016	30-01-2016	1 d early	2016-04000118
30-06-2014	31-01-2015	28-02-2015	28 d late	2015-05700059
30-06-2013	31-01-2014	28-02-2014	28 d late	2014-05800227

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 signals

Established

Founded in 2008, 17 years in business.

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.3% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€24k-53.4%

Working capital€234k+28.7%

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 11-04-2024 with the NBB · fiscal year 2023 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Gross margin: growth of ~25.8%/year over 4 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 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	69.6%	38.7%	better than 84% of 9099 sector peers
Net result	€24k	€12k	better than 68% of 9084 sector peers
Equity	€273k	€30k	better than 95% of 9105 sector peers
Gross operating margin	€58k	€33k	better than 67% of 9074 sector peers
Total assets	€392k	€89k	better than 92% of 9100 sector peers

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).

Solvency P84

Improving position over 2020-2023 · n=1633-9099

Net result P68

Improving position over 2020-2023 · n=1626-9084

Equity P95

Stable position over 2020-2023 · n=1635-9105

Gross operating margin P67

Improving position over 2020-2023 · n=1624-9074

Describes the position versus peers, not a forecast.

EBITDA

€55k

-38.5% 19-23

Net profit

€24k

-53.4% 19-23

Cash flow

€47k

-31.5% 19-23

Total assets

€392k

-3.3% 19-23

Equity

€273k

+28.6% 19-23

Working capital

€234k

+28.7% 19-23

Income taxes

€12k

-43.5% 19-23

Debt

€119k

-38.3% 19-23

Debt ≤ 1y

€61k

-47.2% 19-23

Debt > 1y

€51k

-26.8% 19-23

Current ratio

4.85

+88.1% 19-23

Quick ratio

4.68

+85.5% 19-23

Solvency

69.6%

+32.9% 19-23

Debt / equity

0.44

-52.0% 19-23

ROE

8.7%

-63.8% 19-23

ROA

6.1%

-51.8% 19-23

Interest coverage

103.31

+676.6% 19-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€55k
Net profit	€24k
Cash flow	€47k
Staff costs	-
Income taxes	€12k
Dividends	-
Total assets	€392k
Equity	€273k
Debt	€119k
of which ≤ 1y	€61k
of which > 1y	€51k
Working capital	€234k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	4.85
Quick ratio	4.68
Working capital ratio	59.7%
Solvency	69.6%
Debt / equity	0.44
Long-term debt ratio	0.19
Interest coverage	-
Gross margin	-
Net margin	-
ROA	6.1%
ROE	8.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €97k · 24.8% Current assets €295k · 75.2%

Equity & liabilities

Equity €273k · 69.6% Debt €119k · 30.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€392k
Fixed assets	21/28	€97k
Tangible fixed assets	22/27	€96k
Financial fixed assets	28	€1k
Current assets	29/58	€295k
Stocks & contracts in progress	3	€10k
Amounts receivable within one year	40/41	€171k
Cash & bank	54/58	€20k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€392k
Equity	10/15	€273k
Contributions / capital	10/11	€6k
Reserves	13	€142k
Accumulated profits (losses)	14	€124k
Amounts payable	17/49	€119k
Amounts payable after one year	17	€51k
Amounts payable within one year	42/48	€61k
Trade debts payable within one year	44	€12k
Income statement
Gross operating margin	9900	€58k
Operating result	9901	€32k
Financial income	75	€3k
Result before taxes	9903	€36k
Income taxes	67/77	€12k
Net result for the period	9904	€24k
Result to be appropriated	9905	€24k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2023 · computed

78 / 100 Excellent

050100

Computed from 4 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 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Pastoriestraat 21761 Roosdaal

Establishment units

1 location

DBD Construct

Weverstraat 38, 1761 RoosdaalSchrijnwerk

since 20082.173.689.430

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area1,942 m²

Buildings2

Building footprint235 m²

Volume (LiDAR)1,746 m³

Tallest building11.5 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.
23011A0291/00R000 ProtectedMonumentBoerenburgerhuis met bijgebouwenSource ↗	Flanders	1,174 m²	1 · 105 m²	11.5 m · 3 fl.
23011B0114/00E000	Flanders	769 m²	1 · 130 m²	9.0 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.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 78

Profitability 44

Solvency 100

Growth 52

Stability 100

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