DFM CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of DFM CONSTRUCT is 3.1% (moderate). The 2025 annual accounts show equity of €95k and a net result of €13k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 7453 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▲+7
Solvency97▲+12
Growth56▲+8
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.47 against 5.36 in 2024; short-term debt: 22.1% and cash: 1.7% of total assets), and 28% 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
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 41
Relative position
BE, all sectors
reference
Sector 41
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
72%
Return on assets
9.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
60 d late
2023
31 d late
2022
114 d late
2021
76 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, micro schema
Turnover
€929k▲ 25.5%
2024 · €740k
2022: €718k
2023: €664k
2024: €740k
2022 → 2025
EBIT margin
2.3%=
2024 · 2.3%
2022: 4.7%
2023: 2.2%
2024: 2.3%
2022 → 2025
Net result
€13k▲ 19.3%
2024 · €11k
2021: €36k
2022: €26k
2023: €10k
2024: €11k
2021 → 2025
Working capital
€101k▼ 9.1%
2024 · €112k
2021: €36k
2022: €62k
2023: €71k
2024: €112k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€718k€664k▼ 7.6%€740k▲ 11.5%€929k▲ 25.5%
Equity€36k-€62k▲ 72.9%€71k▲ 15.6%€82k▲ 15.5%€95k▲ 16.0%
Operating result€45k-€34k▼ 24.0%€15k▼ 56.5%€17k▲ 14.5%€21k▲ 26.3%
Net result€36k-€26k▼ 27.1%€10k▼ 62.9%€11k▲ 14.4%€13k▲ 19.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€2k ▲ 221%
Current assets
€131k ▼ 4.8%
Equity and liabilities €132k
Equity
€95k ▲ 16.0%
Debt
€37k ▼ 33.4%
Debt's share of the balance-sheet total falls from 40.4% to 28.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k
Cash flow
€14k
Current ratio
4.47▼
2024 · 5.36
Debt to equity
0.39▼
2024 · 0.68
ROE
13.8%▲
2024 · 13.4%
ROA
9.9%▲
2024 · 8.0%
Interest coverage
9.12
Debt ≤ 1 year
€29k▲
2024 · €26k
Debt > 1 year
€8k▼
2024 · €30k
Income taxes
€6k▲
2024 · €5k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€138k€132k▼
Fixed assets21/28€488€2k▲
Tangible fixed assets22/27-€1k
Plant, machinery and equipment23-€1k
Financial fixed assets28€488€488=
Current assets29/58€137k€131k▼
Amounts receivable within one year40/41€118k€125k▲
Trade receivables40€56k€63k▲
Other amounts receivable41€62k€62k▲
Cash at bank and in hand54/58€19k€2k▼
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€138k€132k▼
Equity10/15€82k€95k▲
Reserves13€11k€24k▲
Distributable reserves133€11k€24k▲
Profit (loss) carried forward14€71k€71k▲
Amounts payable17/49€56k€37k▼
Amounts payable after more than one year17€30k€8k▼
Financial debts170/4€30k€8k▼
Amounts payable within one year42/48€26k€29k▲
Current portion of amounts payable after more than one year42-€15k
Trade debts44€20k€5k▼
Suppliers440/4€20k€5k▼
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Income statement
Code20242025
Turnover70€740k€929k▲
Goods, raw materials, services and sundry goods60/61€718k€901k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€415
Other operating charges640/8€5k€6k▲
Gross operating margin9900€22k€28k▲
Operating profit (loss)9901€17k€21k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€687€2k▲
Recurring financial charges65€687€2k▲
Profit (loss) for the period before taxes9903€16k€19k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€11k€13k▲
Profit (loss) for the period to be appropriated9905€11k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€84k▲
Profit (loss) brought forward from the previous period14P€71k€71k=
Transfer to equity691/2€11k€13k▲
To other reserves6921€11k€13k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 5.36
Current ratio from 2.27 to 5.36; short-term debt falls from €56k to €26k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €10k ▼62.9%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 114 days late
2022
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 76 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Brussel · 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.
Louizalaan 651050 BrusselGround area
1,683 m²
Building footprint
2,433 m²
Volume, LiDAR
61,492 m³
Parcel 21807G0007/00R000, Brussels · tallest building 35.6 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
DFM CONSTRUCT
since 20222.330.458.553
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0007/00R000 | Brussels | 1,683 m² | 1 · 2,433 m² | 35.6 m · 9 fl. |
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
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JP SYSTEMS
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Bouwmodus √
BE 0700.939.816
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Bouwonderneming Seppe Nys
BE 0741.622.309
Glabbeek · Eq €95,242
DAKMEESTERS
BE 0436.448.629
Wommelgem · Eq €95,331
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,163 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
Founded11-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
43240Other construction installation
43350Other building finishing work
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:dfmconstruct@yahoo.ro