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DC Plafonnage

Active
Private limited company·Stukadoorswerk· 5 yrs active
Rue de la Gare, Agimont 140 ·5544 Hastière, Belgium
KBO/BCE: BE 0769.608.490
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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DC Plafonnage is 2.9% (moderate). The 2024 annual accounts show equity of €28k and a net result of €3k. Equity is growing by ~80% per year across the filed fiscal years. Its solvency ranks better than 42% of 11120 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.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

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-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 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.
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-11-2025, 122 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
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 30-11-2025 122 d late 2025-00577719
31-12-2023 31-07-2024 02-04-2024 120 d early 2024-00054491
31-12-2022 31-07-2023 06-07-2023 25 d early 2023-00210274

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
More 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.9% 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?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k-91.0%
Working capital€-14k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-11-2025 with the NBB · fiscal year 2024 · micro
€-20k€0€20k€40kOperating result 2022: €-11k€-11kNet result 2022: €-15k€-15kOperating result 2023: €37k€37kNet result 2023: €36k€36kOperating result 2024: €4k€4kNet result 2024: €3k€3k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~80%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-50k€0€50k€100k2025: €48k (€45k - €50k)2026: €67k (€65k - €70k)2027: €87k (€85k - €90k)2022: €-12k2023: €25k2024: €28k202220232024202520262027
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 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 33.9% 40.9%
better than 42% of 11120 sector peers
Net result €3k €11k
better than 31% of 11103 sector peers
Equity €28k €34k
better than 44% of 11124 sector peers
Gross operating margin €68k €35k
better than 72% of 11092 sector peers
Staff costs €51k €24k
higher than 67% of 4053 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 P42
2022: P5 · n=66322023: P43 · n=91772024: P42 · n=111202022 2024
Improving position over 2022-2024 · n=6632-11120
Net result P31
2022: P6 · n=66172023: P80 · n=91622024: P31 · n=111032022 2024
Improving position over 2022-2024 · n=6617-11103
Equity P44
2022: P5 · n=66402023: P44 · n=91842024: P44 · n=111242022 2024
Improving position over 2022-2024 · n=6640-11124
Gross operating margin P72
2022: P86 · n=66112023: P77 · n=91512024: P72 · n=110922022 2024
Weakening position over 2022-2024 · n=6611-11092
Describes the position versus peers, not a forecast.
EBITDA
€17k
-60.1% 22-24
Net profit
€3k
-91.0% 22-24
Cash flow
€16k
-62.4% 22-24
Total assets
€82k
+12.0% 22-24
Equity
€28k
+13.2% 22-24
Working capital
€-14k
- 22-24
Employees (FTE)
2
- 22-24
Staff costs
€51k
+45.8% 22-24
Show 10 other metrics
Income taxes
€528
- 22-24
Debt
€55k
+11.4% 22-24
Debt ≤ 1y
€51k
+5.8% 22-24
Current ratio
0.72
-39.9% 22-24
Quick ratio
0.35
-70.6% 22-24
Solvency
33.9%
+1.1% 22-24
Debt / equity
1.95
-1.6% 22-24
ROE
11.7%
-92.1% 22-24
ROA
4.0%
-92.0% 22-24
Interest coverage
15.12
-87.3% 22-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€17k
Net profit€3k
Cash flow€16k
Staff costs€51k
Income taxes-
Dividends-
Total assets€82k
Equity€28k
Debt€55k
of which ≤ 1y€51k
of which > 1y-
Working capital€-14k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.72
Quick ratio0.35
Working capital ratio-17.4%
Solvency33.9%
Debt / equity1.95
Long-term debt ratio-
Interest coverage15.12
Gross margin-
Net margin-
ROA4.0%
ROE11.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€82k
Fixed assets 21/28€46k
Tangible fixed assets 22/27€46k
Financial fixed assets 28€175
Current assets 29/58€36k
Stocks & contracts in progress 3€19k
Amounts receivable within one year 40/41€8k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€82k
Equity 10/15€28k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€25k
Amounts payable 17/49€55k
Amounts payable within one year 42/48€51k
Trade debts payable within one year 44€31k
Income statement
Gross operating margin 9900€68k
Operating result 9901€4k
Financial income 75€0
Financial charges 65€1k
Result before taxes 9903€3k
Net result for the period 9904€3k
Result to be appropriated 9905€3k
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
56 / 100 Fair
050100
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
DC Plafonnage
Rue des Vignes, H.-Lavaux 8, 5540 HastièreOptrekken van de ruwbouw van individuele huizen
since 20212.318.298.812
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area541 m²
Buildings2
Building footprint804 m²
Volume (LiDAR)4,206 m³
Tallest building10.7 m · ±2 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.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91061B1109/00T000 Wallonia 488 m² 1 · 102 m² -
93001A0189/00C005 Wallonia 53 m² 1 · 702 m² 10.7 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

1 acts
Address history · 1
14-08-2023
Registered-office move
All acts · 1 updated 3 years ago
2023
14-08-2023 Registered office moved from HASTIERE to Agimont Registered-office change
  • RUE DES VIGNES, 8 à 5540 HASTIERE → Rue de la Gare, 140 à 5544 Agimont

Analysis

Financial profile

5 of 5 axes measured
Health56Profitability58Solvency47Growth78Stability94
67 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 56
Profitability 58
Solvency 47
Growth 78
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Stukadoorswerk43310Stukadoorswerk43310Installatie van isolatie43230Isolatiewerkzaamheden43291Chapewerken43422Chapewerken43996Landschapsverzorging81300Landschapsverzorging81300Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR DC Plafonnage
Registered office
Rue de la Gare, Agimont 140
5544 Hastière, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.