Equity
€34,443 from €103,913 in 2020
Equity fell by 67% in 5 years.
D.M.CONSTRUCTIONS
Lifetime
19 annual accounts with figures on one time axispeak €342,865 (2018)
€10,957▲ 4.5%
lowest -€178,957 (2022)
€4,331▲ 18.8%
peak €103,913 (2020)
€34,443▲ 14.4%
€85,747▼ 26.9%
peak 7.5 FTE (2021)
-not published
Board1 name since 2006
1 directorDUCACHET Michel Roger René Ghislain
Documentsfilings and deeds
08-07-202623 days before the deadline
2025abbreviated format
Equity from €30,112 to €34,443Debts from €117,241 to €85,747Investments €4,500
Key points
from the 2025 annual accountsDebts
€85,747 71% of the balance sheet
Financial debts 56%Suppliers 43%
Of this, €37,360 falls due within a year.
Investments
€4,500 2.0 × depreciation
Green is investment, beige is depreciation.
Payment terms
101 days to suppliers
D.M.CONSTRUCTIONS pays its suppliers 35 days later than in 2024.
Filings
19 annual accounts since 2007
Two of the last ten came late. The 2022 accounts came latest: 39 days after the end of the period.
Position in the sector
€34,443
Less equity than 83% of companies in specialised construction. Sector median €250,150 · 9,975 companies.
Checked score
93
Excellent
Financially stronger than 49% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
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 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025highest value
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.3%▼ -0.1 percentage points vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 3.00, cash €60,196
Founded in 2006
Figures for financial year 2025 (filed on 08-07-2026)
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 30% of them on solvency, 84% on liquidity, 22% on profitability and 61% 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 3,984 companies had the same profile as D.M.CONSTRUCTIONS has now. Each dot stands for 10 companies, two years later.
96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of D.M.CONSTRUCTIONS itself: 0.1% 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 3,984 companies, not a prediction for D.M.CONSTRUCTIONS. 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 €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.0 (4.97 in 2024), above the usual 1.5. Short-term debt is 31.1% and cash 50.1% of total assets. However, 71.3% 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.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €34,443
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 days early
2024
129 days early
2023
26 days early
2022
39 days late
2021
26 days early
2020
33 days early
2019
37 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 34 days before 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 July (4 of the last 5 accounts filed within 64 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0884754321
Change of role: DUCACHET Michel Roger René Ghislain, from manager to director
Director discharge: DUCACHET Michel Roger René Ghislain · General meeting of 23-12-2023 · Gazette deed
First establishment
D.M. CONSTRUCTIONS, Quai de la Vesdre 7, Verviers
Incorporation
published on 14-11-2006 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| D.M.CONSTRUCTIONS Verviers | €120,190 | €10,957 | 28.7% | - |
| MENELE Grez-Doiceau | €97,859 | €13,147 | 85.8% | - |
| TIP TOP RENOVA Brussels | €139,033 | €15,974 | 76.7% | - |
| WELLUC Lier | €148,889 | €10,166 | 74.6% | - |
| FORMICHE INVEST Saint-Josse-ten-Noode | €162,172 | €14,534 | 8.7% | - |
| AUDAG PROJECT Genappe | €89,770 | €9,137 | 94.8% | - |
| NANORIA Forest | €178,866 | €10,630 | 74.7% | - |
These companies have the same main activity as D.M.CONSTRUCTIONS: demolition (NACE 43110). They are comparable in size and age: total assets between €89,800 and €179,000, founded between 2002 and 2008.
Official details
Source: KBO- Status
- Active since 06-11-2006Normal situation
- Activity
- DemolitionNACE 43110and 2 others
- Joint committees
- 124Construction
- 200Auxiliary committee for white-collar workers · annual accounts 2021
- Establishment unit
- 2.157.235.3594800 Verviers, since 01-01-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 15-12-2025
Annual accounts 2025
- ≈ €120,000estimated
- €120,190▼ 18.4%
- ≈ 0 FTEestimated
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on D.M.CONSTRUCTIONS
D.M.CONSTRUCTIONS files the abbreviated format. That format states no turnover. The gross margin fell from €70,769 in 2007 to €10,957 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.M.CONSTRUCTIONS
- What is the company number of D.M.CONSTRUCTIONS?
- The company number of D.M.CONSTRUCTIONS is 0884.754.321. The VAT number is the same number with BE in front: BE 0884.754.321.
- Where is D.M.CONSTRUCTIONS based?
- The registered office is at Rue du Parc Dugard 8, 4802 Verviers.Company details
- What does D.M.CONSTRUCTIONS do?
- According to the KBO register, the main activity is demolition (NACE 43110).
- What is the legal form of D.M.CONSTRUCTIONS?
- D.M.CONSTRUCTIONS is a private limited company (BV).
- When was D.M.CONSTRUCTIONS founded?
- D.M.CONSTRUCTIONS was founded on 06-11-2006.
- Is D.M.CONSTRUCTIONS still active?
- Yes, D.M.CONSTRUCTIONS is an active enterprise in the KBO register.
- How many employees does D.M.CONSTRUCTIONS have?
- D.M.CONSTRUCTIONS had an average of 3 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does D.M.CONSTRUCTIONS fall under?
- In its 2021 annual accounts, D.M.CONSTRUCTIONS states joint committees 124 (Construction) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of D.M.CONSTRUCTIONS?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €10,957 and 53 comparable companies (NACE 431). It probably lies between €45,000 and €220,000. It is a rough estimate. In financial year 2020 turnover was €976,863.
- Is D.M.CONSTRUCTIONS profitable?
- In financial year 2025, D.M.CONSTRUCTIONS made a profit of €4,331.
- Where can I find the annual accounts of D.M.CONSTRUCTIONS?
- D.M.CONSTRUCTIONS filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of D.M.CONSTRUCTIONS due?
- D.M.CONSTRUCTIONS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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