BMD DAKWERKEN
ActiveSummary
BMD DAKWERKEN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €9k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+69
Solvency61▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.05 in 2024; short-term debt: 32.8% and cash: 8.3% of total assets), but 63.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
36.3%
Return on assets
3.6%
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 21-09-2026, 52 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 · 9 filingsDeviation from the deadline
2025
52 d late
2024
18 d late
2023
41 d late
2022
22 d late
2021
31 d early
2020
32 d late
2019
40 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
Equity
€91k▲ 10.9%
2024 · €82k
2018: €71k
2019: €84k
2020: €133k
2021: €137k
2022: €148k
2023: €147k
2024: €82k
2018 → 2025
Total assets
€251k▼ 18.5%
2024 · €309k
2018: €139k
2019: €103k
2020: €178k
2021: €315k
2022: €332k
2023: €355k
2024: €309k
2018 → 2025
Net result
€9k
2024 · €-65k
2018: €25k
2019: €13k
2020: €49k
2021: €4k
2022: €11k
2023: €-6k
2024: €-65k
2018 → 2025
Working capital
€45k▲ 558%
2024 · €7k
2018: €35k
2019: €56k
2020: €73k
2021: €61k
2022: €57k
2023: €57k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€148k▲ 8.3%€147k▼ 0.5%€82k▼ 44.3%€91k▲ 10.9%
Operating result€11k-€25k▲ 135%€10k▼ 57.8%€-64k€-6k▲ 90.4%
Net result€4k-€11k▲ 199%€-6k€-65k▼ 1,049%€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €64k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €251k
Fixed assets
€124k ▼ 28.5%
Current assets
€128k ▼ 5.8%
Equity and liabilities €251k
Equity
€91k ▲ 10.9%
Debt
€160k ▼ 29.2%
Debt's share of the balance-sheet total falls from 73.4% to 63.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▲
2024 · €3k
Cash flow
€72k▲
2024 · €2k
Current ratio
1.55▲
2024 · 1.05
Quick ratio
1.33▲
2024 · 0.90
Debt to equity
1.76▼
2024 · 2.75
ROE
9.9%▲
2024 · -79.4%
ROA
3.6%▲
2024 · -21.2%
Interest coverage
14.52▲
2024 · 0.46
Debt ≤ 1 year
€83k▼
2024 · €129k
Debt > 1 year
€78k▼
2024 · €97k
Income taxes
€224▲
2024 · €-6k
Staff costs
€0▼
2024 · €49k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€309k€251k▼
Fixed assets21/28€173k€124k▼
Intangible fixed assets21-€1k
Tangible fixed assets22/27€162k€112k▼
Plant, machinery and equipment23€19k€18k▼
Furniture and vehicles24€143k€94k▼
Financial fixed assets28€11k€11k=
Current assets29/58€135k€128k▼
Stocks and contracts in progress3€20k€18k▼
Stocks30/36€20k€18k▼
Amounts receivable within one year40/41€65k€89k▲
Trade receivables40€48k€70k▲
Other amounts receivable41€18k€19k▲
Cash at bank and in hand54/58€44k€21k▼
Deferred charges and accrued income490/1€6k-
Equity and liabilities
Total equity and liabilities10/49€309k€251k▼
Equity10/15€82k€91k▲
Contributions10/11€17k€17k=
Reserves13€79k€79k=
Distributable reserves133€79k€79k=
Profit (loss) carried forward14€-15k€-6k▲
Amounts payable17/49€226k€160k▼
Amounts payable after more than one year17€97k€78k▼
Financial debts170/4€97k€78k▼
Amounts payable within one year42/48€129k€83k▼
Current portion of amounts payable after more than one year42€33k€33k▼
Trade debts44€67k€43k▼
Suppliers440/4€67k€43k▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€21k€283▼
Taxes450/3€13k€283▼
Remuneration and social security454/9€8k€0▼
Other amounts payable47/48€7k€5k▼
Accrued charges and deferred income492/3€664-
Income statement
Code20242025
Remuneration, social security and pensions62€49k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€63k▼
Other operating charges640/8€4k€67k▲
Gross operating margin9900€56k€123k▲
Operating profit (loss)9901€-64k€-6k▲
Financial income75/76B€197€19k▲
Recurring financial income75€197€2k▲
Non-recurring financial income76B-€18k
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€-71k€9k▲
Income taxes67/77€-6k€224▲
Profit (loss) for the period9904€-65k€9k▲
Profit (loss) for the period to be appropriated9905€-65k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-6k▲
Profit (loss) brought forward from the previous period14P€51k€-15k▼
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
22-09
State Gazette act
Resignation: Dan Van Reeth (director)2 facts ▸
State Gazette act
Resignation: Dan Van Reeth (director)
2 facts ▸
- General meeting, 30-06-2026
- Director resignation, Dan Van Reeth (director)
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Weakest financial yearnet €-65k
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 32 days late
2020
31-12
Financial
Highest result since 2018net €49k ▲277%
Operating result €71k, net result €49k, both a record.
31-12
Financial
Equity above €100kEq €133k ▲58.9%
3 profitable years in a row build equity to €133k.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
Show earlier events
2019
31-12
Financial
Liquidity triplescurrent ratio 3.83
Current ratio from 1.51 to 3.83; short-term debt falls from €68k to €20k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
09-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 282 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2026
Resigned as Director
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 2016
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.
Puitvoetstraat 489100 Sint-NiklaasGround area
313 m²
Building footprint
104 m²
Volume, LiDAR
810 m³
Parcel 46442C0759/00V000, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BMD Dakwerken
since 20162.251.448.192
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C0759/00V000 | Flanders | 313 m² | 1 · 104 m² | 9.0 m · 3 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
TOITURES LONGREE
BE 0848.956.074
Andenne · Eq €91,110
Dakform 2
BE 0477.060.252
Deinze · Eq €91,073
ENGELEN ZINKWERKEN
BE 0899.515.543
Beringen · Eq €91,072
JB'S ROOF-& WOODPROJECTS
BE 0792.186.429
Herk-de-Stad · Eq €91,235
Davy Moorkens
BE 0759.875.432
Vorselaar · Eq €91,239
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,802 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
Founded17-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
41001General construction of residential buildings
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.