D.Y. CONSTRUCT
ActiveD.Y. CONSTRUCT has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €15k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency94▲+15
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.25 against 2.07 in 2024; short-term debt: 25.5% and cash: 71.2% of total assets), and 30.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
69.2%
Return on assets
28.9%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
2 d late
2022
31 d late
2021
18 d late
2020
27 d late
2019
27 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 71.8%
2024 · €20k
2018: €-1k
2019: €6k
2020: €20k
2021: €23k
2022: €33k
2023: €31k
2024: €20k
2018 → 2025
Total assets
€50k▲ 34.1%
2024 · €38k
2018: €36k
2019: €44k
2020: €61k
2021: €68k
2022: €61k
2023: €55k
2024: €38k
2018 → 2025
Net result
€15k
2024 · €-11k
2018: €9k
2019: €8k
2020: €14k
2021: €3k
2022: €9k
2023: €-2k
2024: €-11k
2018 → 2025
Working capital
€29k▲ 60.9%
2024 · €18k
2018: €-6k
2019: €3k
2020: €16k
2021: €15k
2022: €25k
2023: €27k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€33k▲ 39.3%€31k▼ 4.8%€20k▼ 34.6%€35k▲ 71.8%
Operating result€4k-€10k▲ 147%€-1k€-10k▼ 743%€8k
Net result€3k-€9k▲ 167%€-2k€-11k▼ 588%€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€9k▲ 207%
Current assets
€42k▲ 20.0%
Equity and liabilities €50k
Equity
€35k▲ 71.8%
Debt
€16k▼ 10.2%
The debt ratio falls from 46.0% to 30.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▲
2024 · €-6k
Cash flow
€17k▲
2024 · €-6k
Solvency
69.2%▲
2024 · 54.0%
Current ratio
3.25▲
2024 · 2.07
Quick ratio
3.25▲
2024 · 2.07
Debt / equity
0.45▼
2024 · 0.85
ROE
41.8%▲
2024 · -52.9%
ROA
28.9%▲
2024 · -28.6%
Interest coverage
23.75▲
2024 · -16.24
Debt
€16k▼
2024 · €17k
Debt ≤ 1 year
€13k▼
2024 · €17k
Debt > 1 year
€262
Income taxes
€912▲
2024 · €190
Staff costs
€39k▼
2024 · €57k
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€38k€50k▲
Fixed assets21/28€3k€9k▲
Tangible fixed assets22/27€3k€9k▲
Plant, machinery and equipment23€114€986▲
Furniture and vehicles24€3k€8k▲
Current assets29/58€35k€42k▲
Amounts receivable within one year40/41€10k€5k▼
Trade receivables40€8k€3k▼
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€23k€36k▲
Deferred charges and accrued income490/1€895€1k▲
Equity and liabilities
Total equity and liabilities10/49€38k€50k▲
Equity10/15€20k€35k▲
Contributions10/11€13k€13k=
Reserves13€10k€10k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-3k€12k▲
Amounts payable17/49€17k€16k▼
Amounts payable after more than one year17-€262
Financial debts170/4-€262
Amounts payable within one year42/48€17k€13k▼
Current portion of amounts payable after more than one year42-€3k
Trade debts44€14k€8k▼
Suppliers440/4€14k€8k▼
Taxes, remuneration and social security45€992€2k▲
Taxes450/3€269€996▲
Remuneration and social security454/9€723€1k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€485€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€57k€39k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€1k€5k▲
Gross operating margin9900€52k€55k▲
Operating profit (loss)9901€-10k€8k▲
Financial income75/76B-€7k
Recurring financial income75-€7k
Financial charges65/66B€349€466▲
Recurring financial charges65€349€466▲
Profit (loss) for the period before taxes9903€-11k€15k▲
Income taxes67/77€190€912▲
Profit (loss) for the period9904€-11k€15k▲
Profit (loss) for the period to be appropriated9905€-11k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€12k▲
Profit (loss) brought forward from the previous period14P€8k€-3k▼
The notes to these accounts (8 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 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
08-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 39 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, Bernissart · 2 establishment units since 2001
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.
Rue de la Fraternité(BLA) 497321 BernissartGround area
939 m²
Building footprint
194 m²
Volume, LiDAR
444 m³
2 parcels, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
D.Y. CONSTRUCT
since 20012.098.649.240
D.Y. CONSTRUCT
since 20192.293.577.371
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57009C0292/00B000 | Wallonia | 631 m² | 1 · 106 m² | - |
| 57009B0576/00P000 | Wallonia | 307 m² | 1 · 88 m² | 6.8 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.
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POLYBAT
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THEVI HOME
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BATISCO
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,657 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2001
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.