D'CO Concept
ActiveThe computed 12-month bankruptcy probability of D'CO Concept is 2.0% (moderate). The 2025 annual accounts show negative equity (€-28k) and a net result of €-13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 7760 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▲+26
Solvency18▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.58 against 0.6 in 2024; short-term debt: 39.9% and cash: 0.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine 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 →
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
-6.9%
Return on assets
-3.1%
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-28k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
31 d late
2021
123 d late
2020
26 d late
2019
100 d late
← 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, abbreviated schema
Turnover
€301k
EBIT margin
-4.5%
Net result
€-13k▲ 78.2%
2024 · €-58k
2018: €-9k
2019: €12k
2020: €22k
2021: €-15k
2023: €14k
2024: €-58k
2018 → 2025
Working capital
€-67k▼ 8.3%
2024 · €-62k
2018: €140
2019: €7k
2020: €30k
2021: €10k
2022: €10k
2023: €-170k
2024: €-62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€301k-
Equity€30k-€30k=€43k▲ 43.4%€-15k€-28k▼ 83.5%
Operating result€-14k-€29k€-40k€14k
Net result€-15k-€14k€-58k€-13k▲ 78.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €40k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €402k
Fixed assets
€309k▼ 2.6%
Current assets
€93k▲ 0.1%
Key figures and ratios
EBITDA
€30k▲
2024 · €-23k
Cash flow
€4k▲
2024 · €-41k
Solvency
-6.9%▼
2024 · -3.7%
Current ratio
0.58▼
2024 · 0.60
Quick ratio
0.45▼
2024 · 0.53
Debt / equity
-15.57▲
2024 · -28.27
ROA
-3.1%▲
2024 · -14.1%
Interest coverage
1.48▲
2024 · -1.29
Debt
€429k▲
2024 · €425k
Debt ≤ 1 year
€160k▲
2024 · €155k
Debt > 1 year
€266k=
2024 · €266k
Income taxes
€6k▲
2024 · €413
Staff costs
€98k▼
2024 · €135k
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€410k€402k▼
Fixed assets21/28€317k€309k▼
Tangible fixed assets22/27€317k€309k▼
Land and buildings22€294k€283k▼
Plant, machinery and equipment23€22k€24k▲
Furniture and vehicles24€1k€1k▲
Current assets29/58€93k€93k▲
Stocks and contracts in progress3€10k€21k▲
Stocks30/36€10k€10k=
Contracts in progress37-€11k
Amounts receivable within one year40/41€60k€46k▼
Trade receivables40€34k€27k▼
Other amounts receivable41€26k€19k▼
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€23k€23k=
Equity and liabilities
Total equity and liabilities10/49€410k€402k▼
Equity10/15€-15k€-28k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-35k€-48k▼
Amounts payable17/49€425k€429k▲
Amounts payable after more than one year17€266k€266k=
Financial debts170/4€266k€266k=
Amounts payable within one year42/48€155k€160k▲
Current portion of amounts payable after more than one year42€10k€2k▼
Financial debts43€65k€75k▲
Credit institutions430/8€65k€75k▲
Trade debts44€72k€61k▼
Suppliers440/4€72k€61k▼
Taxes, remuneration and social security45€8k€23k▲
Taxes450/3€7k€23k▲
Remuneration and social security454/9€2k-
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€135k€98k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€535€1k▲
Non-recurring operating charges66A€923€99▼
Gross operating margin9900€114k€130k▲
Operating profit (loss)9901€-40k€14k▲
Financial income75/76B€38€9▼
Recurring financial income75€6€9▲
Non-recurring financial income76B€32-
Financial charges65/66B€18k€20k▲
Recurring financial charges65€18k€20k▲
Profit (loss) for the period before taxes9903€-57k€-7k▲
Income taxes67/77€413€6k▲
Profit (loss) for the period9904€-58k€-13k▲
Profit (loss) for the period to be appropriated9905€-58k€-13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-48k▼
Profit (loss) brought forward from the previous period14P€22k€-35k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-58k ▼525%
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
01-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 123 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Highest result since 2018net €22k ▲83.4%
Net result €22k, the highest in the series.
08-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 100 days late
17-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 383 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Juprelle · 2 establishment units since 2015
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.
Basse des Chênes 174450 JuprelleGround area
1,202 m²
Parcel 62057A0704/00P000, Wallonia. Linked by address, not a title deed.
2 establishment units
D'CO CONCEPT
since 20152.238.399.516
D'CO Concept
since 20252.378.968.055
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62057A0704/00P000 | Wallonia | 1,202 m² | - | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
6 categoriesD'CO Concept SRL43280
Similar companies · same sector, comparable size
DA Concept
BE 0767.512.203
Herstal · Eq €43k
RS QUARTZ-DESIGN
BE 0641.759.423
Diepenbeek · Eq €43k
PECO FLOOR
BE 0896.766.681
Lummen · Eq €43k
F.M.R.
BE 0434.259.793
Tubize · Eq €42k
PAKO RÉNOVATION
BE 0779.297.010
Jette · Eq €42k
Of 914 companies in sector 43333 we hold annual accounts for 400. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2015
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43422Screed work
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.