DAKWERKEN BERGHMANS
ActiveDAKWERKEN BERGHMANS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €320k and a net result of €-33k. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-3
Solvency90=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.03 in 2024; short-term debt: 34.8% and cash: 8.2% of total assets), and 34.9% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-33k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
36 d early
2023
26 d early
2022
60 d early
2021
31 d early
2020
22 d early
2019
45 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€320k▼ 9.5%
2024 · €354k
2018: €688k
2019: €699k
2020: €707k
2021: €397k
2022: €387k
2023: €380k
2024: €354k
2018 → 2025
Total assets
€492k▼ 9.5%
2024 · €544k
2018: €693k
2019: €706k
2020: €710k
2021: €501k
2022: €478k
2023: €549k
2024: €544k
2018 → 2025
Net result
€-33k▼ 25.8%
2024 · €-27k
2018: €39k
2019: €11k
2020: €8k
2021: €-3k
2022: €-11k
2023: €-6k
2024: €-27k
2018 → 2025
Working capital
€22k▲ 237%
2024 · €7k
2018: €398k
2019: €413k
2020: €444k
2021: €122k
2022: €123k
2023: €17k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€397k-€387k▼ 2.7%€380k▼ 1.6%€354k▼ 7.0%€320k▼ 9.5%
Operating result€-7k-€-15k▼ 112%€-10k▲ 33.3%€-30k▼ 207%€-37k▼ 22.6%
Net result€-3k-€-11k▼ 328%€-6k▲ 43.2%€-27k▼ 333%€-33k▼ 25.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €37k in 2025 against €30k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€299k▼ 14.1%
Current assets
€193k▼ 1.5%
Equity and liabilities €492k
Equity
€320k▼ 9.5%
Debt
€172k▼ 9.7%
The debt ratio falls from 35.0% to 34.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €19k
Cash flow
€16k▼
2024 · €22k
Solvency
65.1%▲
2024 · 65.0%
Current ratio
1.13▲
2024 · 1.03
Quick ratio
1.11▲
2024 · 1.00
Debt / equity
0.54▼
2024 · 0.54
ROE
-10.5%▼
2024 · -7.5%
ROA
-6.8%▼
2024 · -4.9%
Interest coverage
297.81▼
2024 · 320.43
Debt
€172k▼
2024 · €190k
Debt ≤ 1 year
€171k▼
2024 · €190k
Income taxes
€362▲
2024 · €358
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€544k€492k▼
Fixed assets21/28€348k€299k▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€348k€299k▼
Land and buildings22€216k€206k▼
Plant, machinery and equipment23€100k€72k▼
Furniture and vehicles24€31k€21k▼
Financial fixed assets28€135€135=
Current assets29/58€196k€193k▼
Stocks and contracts in progress3€7k€3k▼
Stocks30/36€7k€3k▼
Amounts receivable within one year40/41€100k€104k▲
Trade receivables40€2k€7k▲
Other amounts receivable41€98k€97k▼
Cash at bank and in hand54/58€47k€40k▼
Deferred charges and accrued income490/1€43k€46k▲
Equity and liabilities
Total equity and liabilities10/49€544k€492k▼
Equity10/15€354k€320k▼
Contributions10/11€30k€30k=
Reserves13€370k€370k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€367k€367k=
Profit (loss) carried forward14€-46k€-80k▼
Amounts payable17/49€190k€172k▼
Amounts payable within one year42/48€190k€171k▼
Current portion of amounts payable after more than one year42€125k€125k=
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€60k€44k▼
Accrued charges and deferred income492/3€700€700=
Income statement
Code20242025
Non-recurring operating income76A€317€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€49k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€23k€16k▼
Operating profit (loss)9901€-30k€-37k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€58€40▼
Recurring financial charges65€58€40▼
Profit (loss) for the period before taxes9903€-26k€-33k▼
Income taxes67/77€358€362▲
Profit (loss) for the period9904€-27k€-33k▼
Profit (loss) for the period to be appropriated9905€-27k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€-80k▼
Profit (loss) brought forward from the previous period14P€-19k€-46k▼
The notes to these accounts (12 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 166.44
Current ratio from 77.61 to 166.44; short-term debt falls from €5k to €3k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Lommel · 1 establishment unit since 2005
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.
Wildstraat 153920 LommelGround area
778 m²
Building footprint
189 m²
Volume, LiDAR
934 m³
Parcel 72020C1708/00C000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Berghmans
since 20052.149.939.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1708/00C000 | Flanders | 778 m² | 1 · 189 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
COVADAK
BE 0463.564.582
Kruisem · Eq €320k
STORMS Dakwerken
BE 0451.657.338
Pepingen · Eq €321k
DENDERMONDSE DAKWERKEN
BE 0425.283.830
Dendermonde · Eq €321k
CAUWELIER & C°
BE 0450.852.634
Staden · Eq €320k
DAKWERKEN ERIC MOEREMANS
BE 0890.363.790
Vilvoorde · Eq €319k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2005
Fiscal year end31-12
Trade name NL
besloten vennootschap
Activities, NACEBEL
43410Roofing work
45220
43221Plumbing work
43341Painting of buildings
45332
45441
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.