D.B. dakwerken
ActiveThe computed 12-month bankruptcy probability of D.B. dakwerken is 3.0% (moderate). The annual accounts of D.B. dakwerken for fiscal year 2025 show a net loss of 66% of total assets. The 2025 annual accounts show equity of €12k and a net result of €-8k. Equity is shrinking by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 12.42 against 16.21 in 2024; short-term debt: 6.8% and cash: 2% of total assets), and 6.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
93.2%
Return on assets
-66%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-8k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
31 d late
2023
31 d late
2022
on the day
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 41.5%
2024 · €20k
2022: €19k
2023: €26k
2024: €20k
2022 → 2025
Total assets
€13k▼ 40.2%
2024 · €21k
2022: €31k
2023: €35k
2024: €21k
2022 → 2025
Net result
€-8k▼ 43.3%
2024 · €-6k
2022: €18k
2023: €7k
2024: €-6k
2022 → 2025
Working capital
€10k▼ 37.5%
2024 · €16k
2022: €12k
2023: €19k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€26k▲ 32.0%€20k▼ 22.4%€12k▼ 41.5%
Operating result€25k-€11k▼ 56.9%€-6k€-8k▼ 44.5%
Net result€18k-€7k▼ 60.3%€-6k€-8k▼ 43.3%
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 €8k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13k
Fixed assets
€2k▼ 55.7%
Current assets
€11k▼ 36.2%
Equity and liabilities €13k
Equity
€12k▼ 41.5%
Debt
€852▼ 16.7%
The debt ratio rises from 4.9% to 6.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2024 · €-3k
Cash flow
€-6k▼
2024 · €-3k
Solvency
93.2%▼
2024 · 95.1%
Current ratio
12.42▼
2024 · 16.21
Quick ratio
11.25▼
2024 · 15.23
Debt / equity
0.07▲
2024 · 0.05
ROE
-70.8%▼
2024 · -28.9%
ROA
-66.0%▼
2024 · -27.5%
Interest coverage
-81.96▼
2024 · -32.95
Debt
€852▼
2024 · €1k
Debt ≤ 1 year
€852▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€21k€13k▼
Fixed assets21/28€4k€2k▼
Intangible fixed assets21€92€42▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€975€518▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€65€50▼
Current assets29/58€17k€11k▼
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€5k€9k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€958€3k▲
Cash at bank and in hand54/58€10k€253▼
Deferred charges and accrued income490/1€323€344▲
Equity and liabilities
Total equity and liabilities10/49€21k€13k▼
Equity10/15€20k€12k▼
Contributions10/11€3k€3k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€-5k€-13k▼
Amounts payable17/49€1k€852▼
Amounts payable within one year42/48€1k€852▼
Trade debts44€345€565▲
Suppliers440/4€345€565▲
Taxes, remuneration and social security45€278€286▲
Taxes450/3€278€286▲
Other amounts payable47/48€400-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€745€1k▲
Gross operating margin9900€-3k€-5k▼
Operating profit (loss)9901€-6k€-8k▼
Financial charges65/66B€99€70▼
Recurring financial charges65€99€70▼
Profit (loss) for the period before taxes9903€-6k€-8k▼
Profit (loss) for the period9904€-6k€-8k▼
Profit (loss) for the period to be appropriated9905€-6k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-13k▼
Profit (loss) brought forward from the previous period14P€1k€-5k▼
The notes to these accounts (9 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Liquidity times 5current ratio 16.21
Current ratio from 3.11 to 16.21; short-term debt falls from €9k to €1k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kruisem · 1 establishment unit since 2021
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.
Deinsesteenweg(KRU) 208a9770 KruisemGround area
283 m²
Building footprint
85 m²
Volume, LiDAR
564 m³
Parcel 45017A1591/00M000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Deinsesteenweg(KRU) 208a, 9770 Kruisem
since 20212.323.362.707
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017A1591/00M000 | Flanders | 283 m² | 1 · 85 m² | 10.1 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.
Similar companies · same sector, comparable size
Constant Construction
BE 1019.692.704
Kontich · Eq €12k
COPADO CONCEPT
BE 1009.630.933
Drogenbos · Eq €12k
MARGODT DAKWERKEN
BE 0502.625.789
Staden · Eq €12k
M.A. Toiture
BE 0773.873.225
Bertrix · Eq €12k
GOMES
BE 0459.409.816
Charleroi · Eq €12k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 2,440 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.