Financials
- Financial year
- 2025
- Total assets
- €80,414
- Profit
- €12,067
- Solvency
- 21.2%
Dak en Woning
ActiveSummary
The computed 12-month bankruptcy probability of Dak en Woning is 4.8% (elevated). The 2025 annual accounts show equity of €17,067 and a net result of €12,067. Its solvency ranks better than 23% of 34,356 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Roofing work
NACE 43410
1 site
Size
€80,414total assets 2025
- Equity
- €17,067
- Profit
- €12,067
Turnover not published (micro format)
Structure
Accounts filed 31 days late
Why 37raises riskFounded in 20241 change of registered office in 24 monthsSize: total assets €80,414lowers riskFigures for financial year 2025 (filed 31-08-2026)Show the evidence
Checked score
Score 2025
37
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 34% of its sector peers (NACE 43, micro)
Financial strength
Average
Solvency
46
equity 21.2% of total assets
Liquidity
11
short-term debt 77.5% · cash 2.6%
Profitability
88
return on assets 15.0%
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 1.9%lowest value
01-2026: 1.9%● unchanged vs 12-2025lowest value
02-2026: 2.0%▲ +0.1 percentage points vs 01-2026
03-2026: 2.3%▲ +0.3 percentage points vs 02-2026
04-2026: 2.4%▲ +0.1 percentage points vs 03-2026
05-2026: 2.7%▲ +0.3 percentage points vs 04-2026
06-2026: 2.7%● unchanged vs 05-2026
07-2026: 3.0%▲ +0.3 percentage points vs 06-2026
08-2026: 5.3%▲ +2.3 percentage points vs 07-2026highest value
09-2026: 4.8%▼ -0.5 percentage points vs 08-2026
10-2026: 4.8%● unchanged vs 09-2026
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity insufficient (current ratio 0.85, below 1; short-term debt: 77.5% and cash: 2.6% of total assets), and 78.8% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 23% on solvency, 7% on liquidity and 72% on profitability.
The bankruptcy probability was computed on 17-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 34356 sector peers (2025).
NBB · sector comparisonPosition among 34356 sector peers
Solvency
better than 23%
← weakest
strongest →
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. 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 →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- Resignation: Vitaliy Kurshel (director)Registered-office move
- IncorporationAppointments: MKRTCHYAN Gor (director) and…
Key points
By topic
Timeline
- Events
- 3
- Since
- 2024
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Roofing workNACE 43410
- Founded
- 26-11-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 11
- Who signs
- Each director alone
- Annual meeting
- Third Friday of June at 19:00
- Purpose
- “Onderneming voor de bouw van daken,voor de algemene daktimmerwerken,voor het plaatsen van…” (deed in Dutch)
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.