Turnover
≈ €200,000 estimated
The micro format states no turnover.
D&D Home Concept
Lifetime
1 annual account with figurespeak €35,073 (2025)
€35,073
peak €18,580 (2025)
€18,580
peak €21,080 (2025)
€21,080
€34,863
Board2 names since 2024
1 directorBivol Constantin
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Address struck 21-02Appointment: Bivol Constantin (director) 17-04Address strikeout annulled 28-02First year with figures
Key points
from the 2025 annual accounts2025 accounts filed 31 days after the deadline
Checked score
37
Weak
Financially stronger than 49% of micro companies in specialised construction (NACE 43)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.8% Elevated
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 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
09-2025: 7.2%
10-2025: 7.2%● unchanged vs 09-2025
11-2025: 7.4%▲ +0.2 percentage points vs 10-2025
12-2025: 8.1%▲ +0.7 percentage points vs 11-2025
01-2026: 8.5%▲ +0.4 percentage points vs 12-2025
02-2026: 9.3%▲ +0.8 percentage points vs 01-2026
03-2026: 9.3%● unchanged vs 02-2026
04-2026: 9.7%▲ +0.4 percentage points vs 03-2026
05-2026: 9.9%▲ +0.2 percentage points vs 04-2026
06-2026: 9.6%▼ -0.3 percentage points vs 05-2026
07-2026: 9.7%▲ +0.1 percentage points vs 06-2026
08-2026: 10.4%▲ +0.7 percentage points vs 07-2026highest value
09-2026: 7.4%▼ -3.0 percentage points vs 08-2026
10-2026: 5.8%▼ -1.6 percentage points vs 09-2026lowest value
11-2026: 5.8%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Ex-officio strike-off in the KBO
Size: total assets €55,943
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
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 40% of them on solvency, 13% on liquidity and 92% on profitability.
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 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 39,278 companies had the same profile as D&D Home Concept has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of D&D Home Concept itself is higher: 5.8% within 12 months. It rests on far more data about D&D Home Concept than the profile alone.
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 39,278 companies, not a prediction for D&D Home Concept. 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 €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is insufficient, with a current ratio of 0.69, below 1. Short-term debt is 62.3% and cash 4.5% of total assets. 62.3% 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
Six signals.
raises risk
raises risk · 2025 accounts filed 31 days late
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. 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 · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 2 notices about the company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struckAddress strikeout annulled
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1012832824
Appointment: Bivol Constantin (director)
Resignation: Bivol Domnica (director) · Director discharge: Bivol Domnica · Gazette deed
Address strikeout annulled
KBO administration
Address struck
KBO administration
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| D&D Home Concept Anderlecht | €55,943 | €35,073 | 37.7% | - |
| FAÇ-PLOMO Brussels | €47,480 | €31,361 | 42.0% | - |
| WADIS Forest | €59,601 | €29,217 | 28.7% | - |
| OAV Ghent | €52,815 | €34,439 | 62.8% | - |
| Grondwerken Mike Uytterhoeven Heist-op-den-Berg | €54,017 | €38,016 | 52.3% | - |
| PIPETECHPRO Steenokkerzeel | €50,836 | €32,501 | 60.2% | - |
| CPH SOLUTIONS Thimister-Clermont | €49,391 | €40,605 | 94.1% | - |
These companies have the same main activity as D&D Home Concept: site preparation (NACE 43120). They are comparable in size and age: total assets between €47,500 and €59,600, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 27-08-2024Normal situation
- Registered office
- 107 active companies are registered at this address8 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Site preparationNACE 43120and 5 others
- Establishment unit
- 2.369.414.2481070 Anderlecht, since 27-08-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 23-06-2025
Insights on D&D Home Concept
The computed 12-month bankruptcy probability of D&D Home Concept is 5.8% (elevated). The 2025 annual accounts show equity of €21,080 and a net result of €18,580.
Its solvency ranks better than 40% of 35,136 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 2 administrative register entries.
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&D Home Concept
- What is the company number of D&D Home Concept?
- The company number of D&D Home Concept is 1012.832.824. The VAT number is the same number with BE in front: BE 1012.832.824.
- Where is D&D Home Concept based?
- The registered office is at Paapsemlaan 20, 1070 Anderlecht.Company details
- What does D&D Home Concept do?
- According to the KBO register, the main activity is site preparation (NACE 43120).
- What is the legal form of D&D Home Concept?
- D&D Home Concept is a private limited company (BV).
- When was D&D Home Concept founded?
- D&D Home Concept was founded on 27-08-2024.
- Is D&D Home Concept still active?
- Yes, D&D Home Concept is an active enterprise in the KBO register.
- What is the turnover of D&D Home Concept?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €35,073 and 30 comparable companies (NACE 431). It probably lies between €130,000 and €420,000.Financials
- Is D&D Home Concept profitable?
- In financial year 2025, D&D Home Concept made a profit of €18,580.
- Where can I find the annual accounts of D&D Home Concept?
- D&D Home Concept filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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