DCM Pergolas
ActiveThe computed 12-month bankruptcy probability of DCM Pergolas is 2.4% (moderate). The 2025 annual accounts show equity of €74k and a net result of €6k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 2037 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-25
Solvency77▼-12
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 2.51 in 2024; short-term debt: 32.5% and cash: 28.4% of total assets), and 47.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
52.2%
Return on assets
4.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-03-2026, 133 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
133 d early
2024
29 d early
2023
27 d early
2022
12 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k▼ 80.3%
2024 · €30k
2022: €20k
2023: €18k
2024: €30k
2022 → 2025
Working capital
€25k▼ 55.3%
2024 · €56k
2022: €-4k
2023: €27k
2024: €56k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€30k-€49k▲ 60.4%€78k▲ 61.4%€74k▼ 5.3%
Operating result€30k-€28k▼ 6.9%€40k▲ 39.4%€10k▼ 75.5%
Net result€20k-€18k▼ 9.8%€30k▲ 63.1%€6k▼ 80.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€71k▲ 145%
Current assets
€71k▼ 23.7%
Equity and liabilities €142k
Equity
€74k▼ 5.3%
Debt
€68k▲ 54.3%
The debt ratio rises from 36.0% to 47.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35k▼
2024 · €61k
Cash flow
€31k▼
2024 · €51k
Solvency
52.2%▼
2024 · 64.0%
Current ratio
1.54▼
2024 · 2.51
Quick ratio
1.25▼
2024 · 1.83
Debt / equity
0.92▲
2024 · 0.56
ROE
7.9%▼
2024 · 38.0%
ROA
4.1%▼
2024 · 24.3%
Interest coverage
15.99▼
2024 · 32.74
Debt
€68k▲
2024 · €44k
Debt ≤ 1 year
€46k▲
2024 · €37k
Debt > 1 year
€22k▲
2024 · €7k
Income taxes
€3k▼
2024 · €10k
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€122k€142k▲
Fixed assets21/28€29k€71k▲
Tangible fixed assets22/27€28k€69k▲
Plant, machinery and equipment23€8k€11k▲
Furniture and vehicles24€2k€50k▲
Leasing and similar rights25€15k€8k▼
Other tangible fixed assets26€1k€697▼
Financial fixed assets28€1k€1k=
Current assets29/58€93k€71k▼
Stocks and contracts in progress3€25k€14k▼
Stocks30/36€25k€14k▼
Amounts receivable within one year40/41€5k€14k▲
Trade receivables40€5k-
Other amounts receivable41€10€14k▲
Cash at bank and in hand54/58€59k€40k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€122k€142k▲
Equity10/15€78k€74k▼
Contributions10/11€10k€10k=
Reserves13€38k€38k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€30k€26k▼
Amounts payable17/49€44k€68k▲
Amounts payable after more than one year17€7k€22k▲
Financial debts170/4€7k€22k▲
Amounts payable within one year42/48€37k€46k▲
Current portion of amounts payable after more than one year42€13k€20k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€21k€12k▼
Taxes450/3€21k€12k▼
Other amounts payable47/48€235€9k▲
Accrued charges and deferred income492/3-€17
Income statement
Code20242025
Non-recurring operating income76A€2k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€458€2k▲
Non-recurring operating charges66A€2k€4k▲
Gross operating margin9900€63k€41k▼
Operating profit (loss)9901€40k€10k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€39k€9k▼
Income taxes67/77€10k€3k▼
Profit (loss) for the period9904€30k€6k▼
Profit (loss) for the period to be appropriated9905€30k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€36k▲
Profit (loss) brought forward from the previous period14P€518€30k▲
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (14 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €6k ▼80.3%
Net result drops to €6k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2022net €30k ▲63.1%
Operating result €40k, net result €30k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Durbuy · 1 establishment unit since 2022
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.
Plain de Holset(Grand-Han) 96940 DurbuyGround area
1,382 m²
Building footprint
151 m²
Parcel 83016C0897/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
DCM Carrelages
since 20222.327.334.460
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83016C0897/00F000 | Wallonia | 1,381 m² | 1 · 151 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
DIM’S CARRELAGE
BE 1004.922.374
Charleroi · Eq €74k
Vloerwerken Gheysen Bastiaan
BE 0690.975.342
Deinze · Eq €74k
ADEC GIETVLOEREN
BE 0476.975.922
Gent · Eq €74k
PAXIA
BE 0666.733.062
Drogenbos · Eq €74k
LEFEVERE KEVIN
BE 0795.579.845
Roeselare · Eq €74k
Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2022
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43320Joinery installation
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.