DM CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of DM CONSTRUCT is 1.7% (moderate). The 2025 annual accounts show equity of €294k and a net result of €13k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 7453 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-3
Solvency43▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.12 against 3.64 in 2024; short-term debt: 46.6% and cash: 3.7% of total assets), but 82.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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
17.7%
Return on assets
0.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 7453 sector peers (2025).
NBB · sector comparisonPosition among 7453 sector peers
Solvency
better than 24%
← weakest
strongest →
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 20-07-2026, 11 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
11 d early
2024
1 d early
2023
2 d early
2022
3 d early
2021
2 d early
2020
11 d early
← 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
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k▼ 53.7%
2024 · €29k
2020: €88k
2021: €82k
2022: €59k
2023: €17k
2024: €29k
2020 → 2025
Working capital
€866k▼ 9.5%
2024 · €957k
2020: €924k
2021: €675k
2022: €1.20M
2023: €1.36M
2024: €957k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€235k▲ 33.6%€252k▲ 7.3%€281k▲ 11.6%€294k▲ 4.8%
Operating result€136k-€100k▼ 26.5%€48k▼ 52.1%€60k▲ 24.7%€30k▼ 49.9%
Net result€82k-€59k▼ 28.3%€17k▼ 70.9%€29k▲ 69.6%€13k▼ 53.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€25k ▼ 50.4%
Current assets
€1.64M ▲ 24.5%
Equity and liabilities €1.67M
Equity
€294k ▲ 4.8%
Debt
€1.37M ▲ 26.1%
Debt's share of the balance-sheet total rises from 79.5% to 82.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▼
2024 · €91k
Cash flow
€29k▼
2024 · €60k
Current ratio
2.12▼
2024 · 3.64
Quick ratio
0.78▼
2024 · 0.85
Debt to equity
4.66▲
2024 · 3.88
ROE
4.6%▼
2024 · 10.4%
ROA
0.8%▼
2024 · 2.1%
Interest coverage
3.87▼
2024 · 4.08
Debt ≤ 1 year
€777k▲
2024 · €363k
Debt > 1 year
€594k▼
2024 · €725k
Income taxes
€5k▼
2024 · €9k
Staff costs
€153k▲
2024 · €82k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.37M€1.67M▲
Fixed assets21/28€51k€25k▼
Tangible fixed assets22/27€49k€22k▼
Plant, machinery and equipment23€540€0▼
Furniture and vehicles24€18k€5k▼
Leasing and similar rights25€30k€17k▼
Financial fixed assets28€2k€3k▲
Current assets29/58€1.32M€1.64M▲
Stocks and contracts in progress3€1.01M€1.03M▲
Stocks30/36€1.01M€1.03M▲
Amounts receivable within one year40/41€199k€533k▲
Trade receivables40€6k€321k▲
Other amounts receivable41€193k€212k▲
Cash at bank and in hand54/58€106k€62k▼
Deferred charges and accrued income490/1€5k€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.37M€1.67M▲
Equity10/15€281k€294k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€276k€289k▲
Amounts payable17/49€1.09M€1.37M▲
Amounts payable after more than one year17€725k€594k▼
Financial debts170/4€25k€13k▼
Other amounts payable178/9€700k€581k▼
Amounts payable within one year42/48€363k€777k▲
Current portion of amounts payable after more than one year42€13k€12k▼
Financial debts43€7€490k▲
Credit institutions430/8€7€490k▲
Trade debts44€212k€142k▼
Suppliers440/4€212k€142k▼
Advances received on contracts in progress46€85k€100k▲
Taxes, remuneration and social security45€52k€28k▼
Taxes450/3€45k€15k▼
Remuneration and social security454/9€8k€13k▲
Other amounts payable47/48€238€5k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Remuneration, social security and pensions62€82k€153k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€16k▼
Other operating charges640/8€928€4k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€173k€206k▲
Operating profit (loss)9901€60k€30k▼
Financial income75/76B€405€15▼
Recurring financial income75€405€15▼
Financial charges65/66B€22k€12k▼
Recurring financial charges65€22k€12k▼
Profit (loss) for the period before taxes9903€38k€18k▼
Income taxes67/77€9k€5k▼
Profit (loss) for the period9904€29k€13k▼
Profit (loss) for the period to be appropriated9905€29k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€276k€289k▲
Profit (loss) brought forward from the previous period14P€247k€276k▲
The notes to these accounts (11 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €13k ▼53.7%
Net result drops to €13k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €235k ▲33.6%
3 profitable years in a row build equity to €235k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €176k ▲88.5%
2 profitable years in a row build equity to €176k.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pepinster · 1 establishment unit since 2019
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.
Sclassin 24860 PepinsterGround area
2,214 m²
Building footprint
255 m²
Volume, LiDAR
1,656 m³
Parcel 63452C0472/00G000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DM CONSTRUCT
since 20192.290.898.686
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63452C0472/00G000 ProtectedSite or landscape |
Wallonia | 2,214 m² | 1 · 255 m² | 9.0 m · 2 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
PP SERVICE
BE 0776.585.067
Lede · Eq €313k
ITT CONSTRUCT
BE 0719.661.212
Dilbeek · Eq €255k
REASET real estate
BE 0544.819.207
Wielsbeke · Eq €254k
VICTOR BARA
BE 0668.967.428
Oudergem · Eq €249k
RIVERSIDE CONSTRUCT
BE 0762.913.017
Antwerpen · Eq €243k
Of 333 companies in sector 41002 we hold annual accounts for 133. 78 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
Founded12-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41002Construction of residential and non-residential buildings
43910Bricklaying and masonry work
41003General construction of other non-residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
43110Demolition
43990Other specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.