DOBER
ActiveSummary
DOBER has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.16M and a net result of €53k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-51
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 15.96 against 20.92 in 2024; short-term debt: 5.1% and cash: 1.4% of total assets), and 5.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
94.9%
Return on assets
1.2%
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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
30 d late
2022
31 d late
2021
23 d late
2020
22 d early
2019
27 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€53k▼ 62.4%
2024 · €140k
2018: €-284k
2019: €64k
2020: €220k
2021: €140k
2022: €-21k
2023: €105k
2024: €140k
2018 → 2025
Working capital
€3.33M▲ 2.6%
2024 · €3.24M
2018: €2.63M
2019: €2.73M
2020: €2.95M
2021: €2.88M
2022: €2.90M
2023: €3.19M
2024: €3.24M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.99M-€3.97M▼ 0.5%€4.07M▲ 2.7%€4.10M▲ 0.7%€4.16M▲ 1.3%
Operating result€185k-€-80k€74k€116k▲ 57.6%€-10k
Net result€140k-€-21k€105k€140k▲ 33.2%€53k▼ 62.4%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €116k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.38M
Fixed assets
€830k ▼ 3.6%
Current assets
€3.55M ▲ 4.2%
Equity and liabilities €4.38M
Equity
€4.16M ▲ 1.3%
Debt
€222k ▲ 36.7%
Debt's share of the balance-sheet total rises from 3.8% to 5.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €141k
Cash flow
€67k▼
2024 · €165k
Current ratio
15.96▼
2024 · 20.92
Quick ratio
12.68▼
2024 · 16.44
Debt to equity
0.05▲
2024 · 0.04
ROE
1.3%▼
2024 · 3.4%
ROA
1.2%▼
2024 · 3.3%
Interest coverage
0.17▼
2024 · 31.36
Debt ≤ 1 year
€222k▲
2024 · €163k
Income taxes
€5k▼
2024 · €57k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.27M€4.38M▲
Fixed assets21/28€862k€830k▼
Tangible fixed assets22/27€463k€449k▼
Land and buildings22€463k€449k▼
Financial fixed assets28€398k€382k▼
Current assets29/58€3.40M€3.55M▲
Amounts receivable after more than one year29€1.21M€1.23M▲
Other amounts receivable291€1.21M€1.23M▲
Stocks and contracts in progress3€730k€729k=
Stocks30/36€730k€729k=
Amounts receivable within one year40/41€638k€718k▲
Trade receivables40€3k€3k=
Other amounts receivable41€635k€715k▲
Current investments50/53€800k€800k=
Cash at bank and in hand54/58€28k€61k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€4.27M€4.38M▲
Equity10/15€4.10M€4.16M▲
Contributions10/11€501k€501k=
Capital10€501k€501k=
Issued capital100€501k€501k=
Revaluation surpluses12€0-
Reserves13€3.60M€3.66M▲
Non-distributable reserves130/1€50k€50k=
Legal reserve130€50k€50k=
Tax-exempt reserves132€97k€133k▲
Distributable reserves133€3.46M€3.47M▲
Amounts payable17/49€163k€222k▲
Amounts payable within one year42/48€163k€222k▲
Trade debts44€32k€11k▼
Suppliers440/4€32k€11k▼
Taxes, remuneration and social security45€46k€2k▼
Taxes450/3€46k€2k▼
Other amounts payable47/48€85k€209k▲
Income statement
Code20242025
Non-recurring operating income76A-€22k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€15k▼
Other operating charges640/8€11k€22k▲
Gross operating margin9900€152k€27k▼
Operating profit (loss)9901€116k€-10k▼
Financial income75/76B€85k€111k▲
Recurring financial income75€85k€111k▲
Financial charges65/66B€4k€43k▲
Recurring financial charges65€4k€26k▲
Non-recurring financial charges66B-€17k
Profit (loss) for the period before taxes9903€197k€58k▼
Income taxes67/77€57k€5k▼
Profit (loss) for the period9904€140k€53k▼
Transfer to tax-exempt reserves689€67k€36k▼
Profit (loss) for the period to be appropriated9905€73k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€17k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0-
Transfer to equity691/2€73k€17k▼
To other reserves6921€73k€17k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (15 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 · full schema · 28 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €105k
Net result €105k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €220k ▲246%
Operating result €197k, net result €220k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-12
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 22 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Kortrijk · 1 establishment unit since 1997
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.
Spinnerijkaai(Kor) 458500 KortrijkGround area
9,215 m²
Building footprint
3,590 m²
Volume, LiDAR
49,165 m³
Parcel 34353B0083/00Y004, Flanders · tallest building 21.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Spinnerijkaai(Kor) 45, 8500 Kortrijk
since 19972.082.276.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0083/00Y004 | Flanders | 9,215 m² | 1 · 3,590 m² | 21.6 m · 5 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
ARGOS PROJECT MANAGEMENT
BE 0474.660.590
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C&C FINANCE
BE 0834.752.504
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LAFAUT GRONDPROJECTEN
BE 0876.734.696
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JM Construction
BE 0413.662.141
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OSTENDIA GROEP
BE 0821.406.787
Bredene · Eq €4.19M
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 2,055 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 formPublic limited company
Founded09-04-1997
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.