Equity
€118,962 ▲ 6.9%
D&A TEAM has made a profit in every financial year since 2020.
D&A TEAM
Lifetime
6 annual accounts with figures on one time axispeak €57,585 (2024)
€11,289▼ 80.4%
peak €37,919 (2024)
€7,634▼ 79.9%
peak €118,962 (2025)
€118,962▲ 6.9%
€54,116▼ 55.2%
Board2 names since 2018
-
Documentsfilings and deeds
12-11-202512 days late
2025micro format
Gross margin from €57,585 to €11,289Result from €37,919 to €7,634Debts from €120,926 to €54,116Cash from €1,369 to €2,160
Key points
from the 2025 annual accountsChecked score
52
Fair
Financially stronger than 44% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.4%
01-2025: 2.4%● unchanged vs 12-2024
02-2025: 2.1%▼ -0.3 percentage points vs 01-2025
03-2025: 2.1%● unchanged vs 02-2025
04-2025: 2.1%● unchanged vs 03-2025
05-2025: 2.1%● unchanged vs 04-2025
06-2025: 2.1%● unchanged vs 05-2025
07-2025: 2.1%● unchanged vs 06-2025
08-2025: 2.1%● unchanged vs 07-2025
09-2025: 2.1%● unchanged vs 08-2025
10-2025: 2.1%● unchanged vs 09-2025
11-2025: 2.6%▲ +0.5 percentage points vs 10-2025highest value
12-2025: 2.2%▼ -0.4 percentage points vs 11-2025
01-2026: 2.2%● unchanged vs 12-2025
02-2026: 2.2%● unchanged vs 01-2026
03-2026: 2.2%● unchanged vs 02-2026
04-2026: 2.2%● unchanged vs 03-2026
05-2026: 2.2%● unchanged vs 04-2026
06-2026: 2.0%▼ -0.2 percentage points vs 05-2026
07-2026: 2.1%▲ +0.1 percentage points vs 06-2026
08-2026: 1.9%▼ -0.2 percentage points vs 07-2026
09-2026: 1.9%● unchanged vs 08-2026
10-2026: 1.9%● unchanged vs 09-2026lowest value
11-2026: 2.4%▲ +0.5 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 12 days late; 1 of the last 3 accounts late
Size: total assets €173,079
Founded in 2018
Sector: Specialised construction activities (NACE 43)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 75% of them on solvency, 27% on liquidity, 23% on profitability and 50% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,047 companies had the same profile as D&A TEAM has now. Each dot stands for 13 companies, two years later.
94.0%
were still trading
3.8%
stopped another way
2.2%
went bankrupt
That fits the bankruptcy probability of D&A TEAM itself: 2.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,047 companies, not a prediction for D&A TEAM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.2 (1.92 in 2024), above the usual 1.5. Short-term debt is 31.3% and cash 1.2% of total assets. 31.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 12 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 12-11-2025, 12 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2026
not filed
2025
12 days late
2024
on the day
2023
293 days late
2022
3 days late
2021
5 days early
2020
41 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 57 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (1)
Board and ownership
last known board- PUSCASU DUMITRU 1,395 sharesdeed of 07-02-2019
- PUSCASU Adina Virginia 465 sharesdeed of 07-02-2019
Recent changes
Appointment: PUSCASU Adina Virginia (manager)
PUSCASU DUMITRU holds 1,395 shares · PUSCASU Adina Virginia holds 465 shares · General meeting of 01-12-2018 · Gazette deed
Incorporation
Founders: PUSCASU Dumitru and PUSCASU Adina Virginia · Founding capital of €18,600, 1,860 shares, €6,200 paid up · Appointment: PUSCASU Dumitru (statutory manager) · published on 05-11-2018 · Gazette deed
First establishment
Koningin Paolaplein B01, Ganshoren
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| D&A TEAM Ganshoren | €173,079 | €11,289 | 68.7% | - |
| Yaman's Tegelwerken Beringen | €193,454 | €10,503 | 71.6% | - |
| RENO FLEER Pajottegem | €148,520 | €13,517 | 20.4% | - |
| BEL REFLEX Anderlecht | €207,762 | €12,728 | 28.9% | - |
| MATRIX CONSTRUCT Anderlecht | €171,738 | €15,679 | 50.2% | - |
| BATI SS Molenbeek-Saint-Jean | €169,193 | €13,114 | 33.0% | - |
| B.P.C. SERVICES Ixelles | €141,363 | €8,068 | 31.3% | - |
These companies have the same main activity as D&A TEAM: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €141,000 and €208,000, founded between 2017 and 2020.
Official details
Source: KBO- Status
- Active since 30-10-2018Normal situation
- Activity
- Other specialised construction activitiesNACE 43990and 1 other
- Establishment unit
- 2.285.473.4181083 Ganshoren, since 30-10-2018
- Financial year end
- 31 March
- Peppol
- Reachable
Annual accounts to 31-03-2025
- ≈ €150,000estimated
- €173,079▼ 25.5%
- Filing
- Filed on 12-11-2025
Insights on D&A TEAM
D&A TEAM files the micro format. That format states no turnover. The gross margin fell from €19,043 in 2020 to €11,289 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about D&A TEAM
- What is the company number of D&A TEAM?
- The company number of D&A TEAM is 0712.711.458. The VAT number is the same number with BE in front: BE 0712.711.458.
- Where is D&A TEAM based?
- The registered office is at Koningin Paolaplein B01, 1083 Ganshoren.Company details
- What does D&A TEAM do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of D&A TEAM?
- D&A TEAM is a private limited company (pre-2019) (BVBA).
- When was D&A TEAM founded?
- D&A TEAM was founded on 30-10-2018.
- Is D&A TEAM still active?
- Yes, D&A TEAM is an active enterprise in the KBO register.
- What is the turnover of D&A TEAM?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €11,289 and 202 comparable companies (NACE 43990). It probably lies between €81,000 and €290,000. It is a rough estimate. In financial year 2022 turnover was €255,210.Financials
- Is D&A TEAM profitable?
- In financial year 2025, D&A TEAM made a profit of €7,634.
- Where can I find the annual accounts of D&A TEAM?
- D&A TEAM filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
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