Turnover
≈ €370,000 estimated
The abbreviated format states no turnover.
DAG CONSTRUCT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €91,672 (2026)
€91,672
peak €19,074 (2024)
€4,280
peak €42,670 (2026)
€42,670
€109,539
peak 1 FTE (2026)
1 FTE
Board1 name since 2023
1 directorDIACONU Maria-Georgeta
Documentsfilings and deeds
30-09-202630 days late
2026abbreviated format
No figures for the year before
Key points
from the 2026 annual accountsDebts
€109,539 72% of the balance sheet
Financial debts 36%Suppliers 31%Taxes and wages 16%Other 16%
Of this, €72,284 falls due within a year.
Starting capital
€500 100 shares
2026 accounts filed 30 days after the deadline
Checked score
38
Weak
Financially stronger than 35% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.6% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.7%
01-2025: 4.8%▲ +0.1 percentage points vs 12-2024
02-2025: 4.7%▼ -0.1 percentage points vs 01-2025
03-2025: 4.7%● unchanged vs 02-2025
04-2025: 4.8%▲ +0.1 percentage points vs 03-2025
05-2025: 4.8%● unchanged vs 04-2025
06-2025: 4.9%▲ +0.1 percentage points vs 05-2025
07-2025: 4.8%▼ -0.1 percentage points vs 06-2025
08-2025: 4.9%▲ +0.1 percentage points vs 07-2025
09-2025: 5.5%▲ +0.6 percentage points vs 08-2025
10-2025: 5.6%▲ +0.1 percentage points vs 09-2025
11-2025: 6.0%▲ +0.4 percentage points vs 10-2025
12-2025: 10.5%▲ +4.5 percentage points vs 11-2025
01-2026: 11.2%▲ +0.7 percentage points vs 12-2025
02-2026: 13.4%▲ +2.2 percentage points vs 01-2026
03-2026: 13.5%▲ +0.1 percentage points vs 02-2026
04-2026: 13.7%▲ +0.2 percentage points vs 03-2026
05-2026: 12.7%▼ -1.0 percentage point vs 04-2026
06-2026: 12.7%● unchanged vs 05-2026
07-2026: 12.5%▼ -0.2 percentage points vs 06-2026
08-2026: 12.5%● unchanged vs 07-2026
09-2026: 14.4%▲ +1.9 percentage points vs 08-2026highest value
10-2026: 4.6%▼ -9.8 percentage points vs 09-2026lowest value
11-2026: 4.6%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2023
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: 1 FTE, total assets €152,208
lowers risk
Figures for financial year 2026 (filed on 03-10-2026)
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 41, micro). It does better than 35% of them on solvency, 39% on liquidity and 30% on profitability.
The bankruptcy probability was computed on 08-11-2026 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 31-01-2026.
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, 2,542 companies had the same profile as DAG CONSTRUCT has now. Each dot stands for 7 companies, two years later.
95.0%
were still trading
1.2%
stopped another way
3.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DAG CONSTRUCT itself is higher: 4.6% within 12 months. It rests on far more data about DAG CONSTRUCT 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 2,542 companies, not a prediction for DAG CONSTRUCT. 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 €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.24 (1.07 in 2024), below the usual 1.5. Short-term debt is 47.5% and cash 12.1% of total assets. 72% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2026 accounts filed 30 days late
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 30-09-2026, 30 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 · 2 filingsDeviation from the deadline
2026
30 days late
2024
33 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 32 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-01-2027 year end31-08-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797036033
Registered office moved to Ternat
New registered office: Van Cauwelaerstraat 118;1740 Ternat · Gazette deed
First establishment
Edingsesteenweg 100, Asse
Incorporation
Founding capital of €500, 100 shares · Founder: DIACONU Maria-Georgeta (comparant) · Appointment: DIACONU Maria-Georgeta (director) · published on 13-01-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DAG CONSTRUCT Ternat | €152,208 | €91,672 | 28.0% | 1 |
| Steurs Construct Kasterlee | €186,549 | €72,400 | 16.4% | 0.8 |
| MATHIAS KERKHOFS CONSTRUCT Sint-Katelijne-Waver | €183,450 | €120,191 | 54.2% | 1.2 |
| GEOBUILD Brecht | €150,020 | €87,445 | 48.6% | 0.7 |
| AXIOME CONSTRUCTION Waremme | €158,262 | €100,016 | 58.9% | 1.8 |
| BOUWONER Bruges | €146,663 | €74,630 | 12.4% | 0.7 |
| JCH CONSTRUCT Charleroi | €151,167 | €53,874 | 14.5% | 0.8 |
These companies have the same main activity as DAG CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €147,000 and €187,000, founded between 2022 and 2024.
Official details
Source: KBO- Status
- Active since 11-01-2023Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.341.102.7201730 Asse, since 01-02-2023
- Financial year end
- 31 January
- Peppol
- Reachable since 02-12-2025
Annual accounts to 31-01-2026
- €91,672
- €4,280
- €42,670
- €152,208
- Employeeson 31-01-2026
- 1
- Filing
- Filed on 30-09-2026
Insights on DAG CONSTRUCT
The computed 12-month bankruptcy probability of DAG CONSTRUCT is 4.6% (elevated). The 2026 annual accounts show equity of €42,670 and a net result of €4,280.
Its solvency ranks better than 32% of 117 sector peers (NACE 41, financial year 2026). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2026
abbreviated format, filed on 30-09-2026, 30 days late€91,672
€17,952
€4,280
€17,690
28.0%
1.24
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €370,000. Estimated: probably between €250,000 and €520,000.
Balance sheet
balance sheet total €152,208 on 31-01-2026What the company ownsHow it is paid for
Position in the sector
28.0%
Higher than 42% of 2,073 companies in 2024.
1.24
Higher than 24% of 2,030 companies in 2024.
2.8%
Higher than 95% of 2,054 companies in 2024.
DAG CONSTRUCT
Middle half of the sector
80% of the sector
Abbreviated accounts in construction of buildings (NACE 41)
Staff
€49,861
Staff costs divided by the average number of full-time equivalents.
Blue and white collar1 blue-collar
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2026 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
152,208 | 61,949 | |
21/28 |
62,234 | 16,589 | |
22/27 |
62,174 | 16,529 | |
23 |
20,577 | 2,781 | |
24 |
41,596 | 13,748 | |
28 |
60 | 60 | |
29/58 |
89,975 | 45,360 | |
40/41 |
48,060 | 39,121 | |
40 |
44,759 | 35,564 | |
41 |
3,301 | 3,557 | |
54/58 |
18,371 | 6,239 | |
490/1 |
23,544 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
152,208 | 61,949 | |
10/15 |
42,670 | 19,574 | |
10/11 |
500 | 500 | |
14 |
42,170 | 19,074 | |
17/49 |
109,539 | 42,374 | |
17 |
37,254 | - | |
170/4 |
37,254 | - | |
42/48 |
72,284 | 42,374 | |
42 |
17,454 | - | |
43 |
2,519 | - | |
430/8 |
2,519 | - | |
44 |
34,287 | 36,825 | |
440/4 |
33,329 | 32,225 | |
441 |
958 | 4,600 | |
45 |
18,024 | 5,549 | |
450/3 |
12,359 | 5,483 | |
454/9 |
5,665 | 67 | |
| Income statement | |||
9900 |
91,672 | 35,331 | |
60/61 |
445,189 | - | |
62 |
49,861 | - | |
630 |
22,090 | 4,628 | |
640/8 |
1,769 | 573 | |
9901 |
17,952 | 30,131 | |
65/66B |
10,608 | 5,574 | |
65 |
10,608 | 5,574 | |
9903 |
7,345 | 24,557 | |
780 |
439 | - | |
67/77 |
3,505 | 5,483 | |
9904 |
4,280 | 19,074 | |
9905 |
4,280 | 19,074 | |
| Appropriation of the result | |||
9906 |
42,170 | 19,074 | |
14P |
37,890 | - | |
| Social balance sheet | |||
9087 |
1 | - | |
Hours worked1013 |
1,384 | - | |
| Document | |||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2026 at the NBB, filed on 30-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2026 annual accounts filed 30 days after the deadline. Filed on 30 September 2026, deadline 31 August 2026 (7 months after the close on 31 January 2026, Companies Code art. 3:10). Source: NBB, 2026-00544671.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2026 | 2024 |
|---|---|---|---|
| 40,042 | 34,758 | ||
| 26,369 | 23,702 | ||
| - | 21,217 | ||
| 17,690 | 2,985 | ||
| 28.0% | 31.6% | ||
| 1.24 | 1.07 | ||
| 2.57 | 2.16 | ||
| 10.0% | 97.4% | ||
| 2.8% | 30.8% | ||
| 3.77 | 6.24 | ||
| 28 days | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-01-2026 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 1 |
| part-time | 0 |
| in full-time equivalents | 1 |
| 1 | |
| On a permanent contract | 1 |
Source: social balance sheet in the 2026 annual accounts
Investments
fixed assets acquired| Item | 31-01-2026 | 31-01-2024 |
|---|---|---|
| Tangible fixed assets | - | €21,157 |
| Financial fixed assets | - | €60 |
| €22,090 | €4,628 |
Source: notes to the 2024 to 2026 annual accounts (statement of fixed assets)
Insights on DAG CONSTRUCT
The operating result for 2026 is €17,952, against €30,131 in 2024. Comparable figures for the intervening years are unavailable.
Debt's share of the balance-sheet total is 72.0%.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 13-01-2023
Mandates through the years
1 name, the dashed line is todayDIACONU Maria-Georgeta
Director
Director
Board
Mandates as a list
- DIACONU Maria-Georgeta
- Director, appointed by deed of 13-01-2023, still in office
Control
Capital
- Contribution
- €500
- Shares
- 100
- Contribution per share
- €5
- Equity per share
- €427 in 2026
- Source
- deed of 13-01-2023
Articles of association
deed of 13-01-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Voor helft ten laste overdrager en helft ten laste koper(s) naar evenredigheid verworven aantal bij meer kopers, overdracht van aandelen”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 13-01-2023 ↗
- DIACONU Maria-Georgeta 100 shares (100%)
Network & group
No group
DAG CONSTRUCT has no parent and no holdings in its annual accounts. DIACONU Maria-Georgeta is the only director. DAG CONSTRUCT shares no director with another company.
At the same address
Van Cauwelaertstraat 118, 1740 Ternat · 2 other companies| DIAC SERVICES
registered office since 18-09-2024 · founded in 2024 |
turnover €392,406 (2025) 1013.748.582 |
| Diaconu, Adrian (sole trader)
establishment since 12-05-2015 |
founded in 2015 0630.859.393 |
Timeline
Timeline
6 events since 2023Filings
Establishments
Address
2023202420252026
Deadline for the 2027 accounts: 31-08-2027
2026
Annual accounts 2026 filed NBBabbreviated format · 30 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0797036033
Registered office moved to TernatNew registered office: Van Cauwelaerstraat 118;1740 Ternat2 points ▸
- Registered-office move, Van Cauwelaerstraat 118, 1740 Ternat
- Registered-office move, Van Cauwelaerstraat 118;1740 Ternat
- The deed holds 1 more point.
2024
Annual accounts 2024 filed PDFabbreviated format · 33 days late
2023
First establishment Edingsesteenweg 100, Asse
IncorporationFounding capital of €500, 100 shares · Founder: DIACONU Maria-Georgeta (comparant) · Appointment: DIACONU Maria-Georgeta (director) · published on 13-01-20233 points ▸
- Founder, DIACONU Maria-Georgeta (comparant)
- Founding capital, €500, 100 shares
- Director appointment, DIACONU Maria-Georgeta
- The deed holds 2 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 11 January 2023, DAG CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €500.12 In 2025 the registered office moved to Ternat.3 DIACONU Maria-Georgeta is director of the company, appointed by deed of 13-01-2023.2 Total assets went from €61,949 in 2024 to €152,208 in 2026.4
Company details
Identity
- Enterprise number
- 0797.036.033
- VAT number
- BE 0797.036.033
- Peppol ID
- 0208:0797036033
- Other Peppol ID
- 9925:BE0797036033
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 11-01-2023
- Financial year
- ends on 31 January
- Peppol
- Reachable since 02-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DAG CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-01-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 13-01-2023 (in Dutch)
Activities
NACEBEL 2025VAT activities
41001
General construction of residential buildings main activity
Social security (RSZ) activities
43910
Bricklaying and masonry work main activity
Codes under NACEBEL 2008
VAT activities
41201
General construction of buildings main activity
43390
Specialised construction activities
43994
Specialised construction activities
43995
Specialised construction activities
Social security (RSZ) activities
43994
Specialised construction activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Bouwmateriaal,elektrische en elektronisch materiaal,sanitaire installaties en loodgieterij,industriële machines; Alle tuinbouwartikelen…”deed of 13-01-2023 (in Dutch)
3 activities
- Bouwmateriaal,elektrische en elektronisch materiaal,sanitaire installaties en loodgieterij,industriële machines;
- Alle tuinbouwartikelen zoals bloemen,planten,tuingerief,inrichting en onderhoud van tuinen en boomkwekerij;
- Alle bouwondernemingsactiviteiten in de breedste zin van het woord,het optrekken van de ruwbouw,de algemene bouwonderneming,bekisting,betonwapening; de coördinatie van onderaannemers,de afbraak-,vlak- en afgravingwerken,alle metsel-,voeging- en waterdichtheidwerken; alle asfalteringwerken; de montage van daken en het onderhoud ervan; het plaatsen van dakbedekking van ongeacht welk materiaal en van dakgoten en regenafvoerbuizen; alle geraamtewerken (hout- en stalconstructies,of andere); akoestische en thermische isolatie; de bekleding van wanden,vloeren,plafonds,gevels; al dan niet industriële schilderwerken; betegelen- en mozaïekwerken; deklaag- en stucwerken; de montage van buiten- en binnenschrijnwerk van hout en kunststof: deuren,vensters,kozijnen,trappen,muurkasten,inbouwkeukens,winkelinrichtingen,enzovoort; de installatie van al dan niet verplaatsbare tussenwanden en de installatie van garagepoorten,luiken,zonneblinden,traliewerk,hekken,enzovoort in hout of kunststof; de natuursteen- en marmerbewerking; alle vernieuwingswerken,schoonmaakwerken; het schoorsteenvegen; het plaatsen van stellingen,ijzerwaren,smeedwerk,alle metaalwerken; alle werken van glazenmakervak,het plaatsen van ruiten,spiegels,glas-in-loodramen,het vervaardigen van doorzichtige wanden; alle sanitair- en loodgieterijwerken; de installatie van elektrische bedrading en toebehoren,van de installatie van bewakingssystemen en alarminstallaties tegen diefstal; het garneren van meubilair; de kleinhandel,de invoer en de uitvoer van constructiematerialen; alle hydraulische werken,maritieme of rivierwerken,constructie of herstelling van sluizen,stuwdammen,dijken,kanalen en kunstwerken,doorleggings- afwatering- en pompenwerken,irrigatie- en uitbaggeringwerken,créatie en onderhoud van vijvers,rivieren en beekjes; het aanleggen van wegen,fietspaden,enzovoort;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Van Cauwelaertstraat 118 registered office 1740 Ternat | ||
| Edingsesteenweg 100 1730 Asse 16110 Sawmilling and planing of wood | 01-02-2023 | 2.341.102.720 |
Buildings and parcels at the addresses
- Ground area
- 1,131 m²
- Buildings
- 323 m²
- Volume, LiDAR
- 1,672 m³
- Tallest building
- 8.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23086A0207/00T000 | 797 m² | 1 · 174 m² | 8.6 m · 2 |
| 23002F0367/00Y000 | 334 m² | 1 · 150 m² | 8.6 m · 1 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0797.036.033