D.M. CONSTRUCT & COUVERTURE
ActiveThe computed 12-month bankruptcy probability of D.M. CONSTRUCT & COUVERTURE is 1.9% (moderate). The 2025 annual accounts show equity of €60k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 62% of 7311 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▼-3
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.29 against 7.8 in 2024), and 45% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Sector 41
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
55%
Return on assets
19.9%
Age of the figures
8 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
64 d early
2024
34 d early
2023
20 d late
2022
4 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 51.9%
2024 · €124k
2022: €27k
2023: €67k
2024: €124k
2022 → 2025
Total assets
€109k▼ 31.3%
2024 · €158k
2022: €88k
2023: €115k
2024: €158k
2022 → 2025
Net result
€22k▼ 61.9%
2024 · €57k
2022: €53k
2023: €41k
2024: €57k
2022 → 2025
Working capital
€51k▼ 55.3%
2024 · €115k
2022: €20k
2023: €60k
2024: €115k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€27k-€67k▲ 152%€124k▲ 84.5%€60k▼ 51.9%
Operating result€64k-€53k▼ 17.4%€74k▲ 38.8%€37k▼ 50.1%
Net result€53k-€41k▼ 23.8%€57k▲ 39.9%€22k▼ 61.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€18k▼ 33.5%
Current assets
€91k▼ 30.8%
Equity and liabilities €109k
Equity
€60k▼ 51.9%
Debt
€49k▲ 44.3%
The debt ratio rises from 21.4% to 45.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€46k▼
2024 · €82k
Cash flow
€31k▼
2024 · €65k
Solvency
55.0%▼
2024 · 78.6%
Current ratio
2.29▼
2024 · 7.80
Quick ratio
2.29▼
2024 · 7.80
Debt / equity
0.82▲
2024 · 0.27
ROE
36.2%▼
2024 · 45.8%
ROA
19.9%▼
2024 · 36.0%
Interest coverage
5.01▼
2024 · 32.83
Debt
€49k▲
2024 · €34k
Debt ≤ 1 year
€40k▲
2024 · €17k
Debt > 1 year
€9k▼
2024 · €17k
Income taxes
€6k▼
2024 · €14k
Staff costs
€4k▲
2024 · €3k
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€158k€109k▼
Fixed assets21/28€27k€18k▼
Tangible fixed assets22/27€27k€18k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€24k€16k▼
Current assets29/58€132k€91k▼
Amounts receivable within one year40/41€20k€15k▼
Trade receivables40€5k€7k▲
Other amounts receivable41€15k€8k▼
Cash at bank and in hand54/58€96k€64k▼
Deferred charges and accrued income490/1€16k€12k▼
Equity and liabilities
Total equity and liabilities10/49€158k€109k▼
Equity10/15€124k€60k▼
Contributions10/11€3k€3k=
Outside capital11€3k€3k=
Other1109/19€3k€3k=
Reserves13€122k€57k▼
Distributable reserves133€122k€57k▼
Profit (loss) carried forward14€253€428▲
Amounts payable17/49€34k€49k▲
Amounts payable after more than one year17€17k€9k▼
Financial debts170/4€17k€9k▼
Amounts payable within one year42/48€17k€40k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€6k€11k▲
Suppliers440/4€6k€11k▲
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48-€16k
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€3k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€456€527▲
Gross operating margin9900€86k€50k▼
Operating profit (loss)9901€74k€37k▼
Financial charges65/66B€2k€9k▲
Recurring financial charges65€2k€9k▲
Profit (loss) for the period before taxes9903€71k€28k▼
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€57k€22k▼
Profit (loss) for the period to be appropriated9905€57k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€22k▼
Profit (loss) brought forward from the previous period14P€245€253▲
Transfer from equity791/2-€65k
Transfer to equity691/2€57k-
To other reserves6921€57k-
Profit to be distributed694/7-€86k
Return on contributions (dividend)694-€86k
The notes to these accounts (4 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €22k ▼61.9%
Net result drops to €22k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €57k ▲39.9%
Operating result €74k, net result €57k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.80
Current ratio from 3.69 to 7.80; short-term debt falls from €22k to €17k.
31-12
Financial
Equity above €100kEq €124k ▲84.5%
3 profitable years in a row build equity to €124k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.69
Current ratio from 1.69 to 3.69; short-term debt falls from €28k to €22k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Overijse · 1 establishment unit since 2022
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.
Brusselsesteenweg 2923090 OverijseGround area
2,183 m²
Building footprint
339 m²
Volume, LiDAR
1,598 m³
2 parcels, Flanders, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D.M. CONSTRUCT & COUVERTURE
since 20222.327.971.294
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0376/02D005 | Flanders | 1,934 m² | 1 · 198 m² | 6.6 m · 1 fl. |
| 53080A0470/00K002 | Wallonia | 249 m² | 1 · 141 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
S.D.L. CONSTRUCT
BE 0462.996.638
Leuze-en-Hainaut · Eq €60k
KABASHI IMMO
BE 0467.194.164
Fleurus · Eq €60k
GROUP IMMO A&A
BE 0778.276.728
Zaventem · Eq €60k
CONTINENTAL RENTAL AND INVESTMENT
BE 0693.973.929
Stabroek · Eq €60k
S CONSTRUCTION
BE 0780.467.146
Verviers · Eq €60k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 13,031 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
47793Retail sale of other second-hand goods, excluding clothing
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.