Dakwerken Bram
ActiveDakwerken Bram has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €-18k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 34% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
62
/ 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
Profitability53▼-26
Solvency58▼-5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 2.17 in 2024; short-term debt: 15.2% and cash: 19.1% of total assets), but 67.4% 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.6%
Return on assets
-7.4%
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 25-08-2026, 25 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
25 d late
2024
25 d late
2023
20 d late
2022
8 d late
2021
34 d early
2020
37 d early
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▼ 35.7%
2024 · €125k
2018: €53k
2019: €51k
2020: €70k
2021: €53k
2022: €97k
2023: €98k
2024: €125k
2018 → 2025
Total assets
€248k▼ 25.6%
2024 · €333k
2018: €221k
2019: €237k
2020: €256k
2021: €207k
2022: €220k
2023: €181k
2024: €333k
2018 → 2025
Net result
€-18k
2024 · €28k
2018: €21k
2019: €-2k
2020: €19k
2021: €-17k
2022: €48k
2023: €860
2024: €28k
2018 → 2025
Working capital
€41k▼ 39.0%
2024 · €68k
2018: €41k
2019: €7k
2020: €24k
2021: €5k
2022: €51k
2023: €53k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€97k▲ 82.2%€98k▲ 0.9%€125k▲ 28.2%€81k▼ 35.7%
Operating result€-17k-€57k€676▼ 98.8%€40k▲ 5,852%€-15k
Net result€-17k-€48k€860▼ 98.2%€28k▲ 3,106%€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €40k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€169k▼ 18.5%
Current assets
€79k▼ 37.2%
Equity and liabilities €248k
Equity
€81k▼ 35.7%
Debt
€167k▼ 19.5%
The debt ratio rises from 62.3% to 67.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €88k
Cash flow
€22k▼
2024 · €75k
Solvency
32.6%▼
2024 · 37.7%
Current ratio
2.10▼
2024 · 2.17
Quick ratio
1.85▼
2024 · 1.92
Debt / equity
2.07▲
2024 · 1.66
ROE
-22.7%▼
2024 · 22.0%
ROA
-7.4%▼
2024 · 8.3%
Interest coverage
5.26▼
2024 · 20.10
Debt
€167k▼
2024 · €207k
Debt ≤ 1 year
€38k▼
2024 · €58k
Debt > 1 year
€124k▼
2024 · €148k
Staff costs
€42k▼
2024 · €96k
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€333k€248k▼
Fixed assets21/28€207k€169k▼
Tangible fixed assets22/27€207k€169k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€193k€158k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€363-
Current assets29/58€126k€79k▼
Stocks and contracts in progress3€14k€9k▼
Stocks30/36€14k€9k▼
Amounts receivable within one year40/41€35k€21k▼
Trade receivables40€19k€7k▼
Other amounts receivable41€16k€14k▼
Cash at bank and in hand54/58€60k€47k▼
Deferred charges and accrued income490/1€17k€2k▼
Equity and liabilities
Total equity and liabilities10/49€333k€248k▼
Equity10/15€125k€81k▼
Contributions10/11€19k€19k=
Reserves13€107k€80k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€105k€78k▼
Profit (loss) carried forward14-€-18k
Amounts payable17/49€207k€167k▼
Amounts payable after more than one year17€148k€124k▼
Financial debts170/4€148k€124k▼
Amounts payable within one year42/48€58k€38k▼
Current portion of amounts payable after more than one year42€36k€25k▼
Trade debts44€13k€23▼
Suppliers440/4€13k€23▼
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3€269€1k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€969€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€96k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€40k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€190k€74k▼
Operating profit (loss)9901€40k€-15k▼
Financial income75/76B€944€2k▲
Recurring financial income75€944€2k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€37k€-18k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€28k€-18k▼
Profit (loss) for the period to be appropriated9905€28k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€-18k▼
Transfer from equity791/2-€26k
Transfer to equity691/2€28k-
To the legal reserve6920€28k-
Profit to be distributed694/7-€26k
Return on contributions (dividend)694-€26k
The notes to these accounts (7 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-18k ▼166%
Net result drops to €-18k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Equity above €100kEq €125k ▲28.2%
3 profitable years in a row build equity to €125k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Tremelo · 1 establishment unit since 2012
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.
Boterstraat 32A3120 TremeloGround area
305 m²
Building footprint
117 m²
Volume, LiDAR
692 m³
Parcel 24109B0434/00M000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dakwerken Bram
since 20122.210.249.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109B0434/00M000 | Flanders | 305 m² | 1 · 117 m² | 10.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 11 entries · 24,902 EUR awarded · 24,902 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 8,492 EUR | 8,492 EUR |
| 2024 | 3 | 6,635 EUR | 6,635 EUR |
| 2023 | 3 | 6,124 EUR | 6,124 EUR |
| 2022 | 2 | 3,651 EUR | 3,651 EUR |
Schemes
Individueel Maatwerk
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Recognised contractor
9 categoriesDakwerken Bram BV38646
Dual-learning approval
1 live approval · 4 endedDakwerker duaal (so)
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DAVID BATI SRL
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JEROEN MAESEN DAK & GEVEL
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2012
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.