Dakwerken Decorte

Active

Private limited companyfounded 20214 yrs activeBrugsestraat 225, 8210 Zedelgem, BelgiumKBO/BCE: BE 0778.406.885

The computed 12-month bankruptcy probability of Dakwerken Decorte is 2.3% (moderate). The 2025 annual accounts show equity of €62k and a net result of €2k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 27676 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

52 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability70=

Solvency49▲+2

Growth52=

Track record94

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.11 against 0.96 in 2024; short-term debt: 46.1% and cash: 7.8% of total assets), and 75.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 3 filings

Deviation from the deadline

2025

2 d late

2024

4 d late

2023

on the day

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close20-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€62k▲ 3.7%

2024 · €59k

2023: €57k 2024: €59k

2023 → 2025

Total assets

€254k▼ 7.4%

2024 · €274k

2023: €329k 2024: €274k

2023 → 2025

Net result

€2k▼ 20.2%

2024 · €3k

2023: €54k 2024: €3k

2023 → 2025

Working capital

€13k

2024 · €-4k

2023: €8k 2024: €-4k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€57k-€59k▲ 4.9%€62k▲ 3.7%

Operating result€62k-€12k▼ 81.5%€13k▲ 13.1%

Net result€54k-€3k▼ 94.9%€2k▼ 20.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 13% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €254k

48.7%

51.3%

Fixed assets €124k▼ 25.9%

Current assets €130k▲ 21.3%

Equity and liabilities €254k

24.3%

75.7%

Equity €62k▲ 3.7%

Debt €192k▼ 10.5%

The debt ratio falls from 78.3% to 75.7%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€56k▲

2024 · €50k

Cash flow

€45k▲

2024 · €41k

Solvency

24.3%▲

2024 · 21.7%

Current ratio

1.11▲

2024 · 0.96

Quick ratio

0.36▲

2024 · 0.19

Debt / equity

3.12▼

2024 · 3.62

ROE

3.6%▼

2024 · 4.6%

ROA

0.9%▼

2024 · 1.0%

Interest coverage

6.27▼

2024 · 7.63

Debt

€192k▼

2024 · €215k

Debt ≤ 1 year

€117k▲

2024 · €111k

Debt > 1 year

€73k▼

2024 · €104k

Income taxes

€4k▲

2024 · €3k

Staff costs

€18k▼

2024 · €66k

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€274k€254k▼

Fixed assets21/28€167k€124k▼

Tangible fixed assets22/27€165k€121k▼

Plant, machinery and equipment23€14k€10k▼

Furniture and vehicles24€30k€22k▼

Leasing and similar rights25€121k€90k▼

Financial fixed assets28€2k€2k=

Current assets29/58€107k€130k▲

Stocks and contracts in progress3€86k€88k▲

Stocks30/36€63k€50k▼

Contracts in progress37€23k€38k▲

Amounts receivable within one year40/41€13k€18k▲

Trade receivables40€6k€12k▲

Other amounts receivable41€8k€6k▼

Cash at bank and in hand54/58-€20k

Deferred charges and accrued income490/1€7k€4k▼

Equity and liabilities

Total equity and liabilities10/49€274k€254k▼

Equity10/15€59k€62k▲

Contributions10/11€3k€3k=

Reserves13€56k€58k▲

Distributable reserves133€56k€58k▲

Profit (loss) carried forward14-€616

Amounts payable17/49€215k€192k▼

Amounts payable after more than one year17€104k€73k▼

Financial debts170/4€104k€73k▼

Amounts payable within one year42/48€111k€117k▲

Current portion of amounts payable after more than one year42€31k€31k▼

Financial debts43€29k€25k▼

Credit institutions430/8€29k€25k▼

Trade debts44€9k€7k▼

Suppliers440/4€9k€7k▼

Taxes, remuneration and social security45€5k€5k▲

Taxes450/3-€5k

Remuneration and social security454/9€5k-

Other amounts payable47/48€38k€49k▲

Accrued charges and deferred income492/3-€2k

Income statement Code20242025

Remuneration, social security and pensions62€66k€18k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€43k▲

Other operating charges640/8€751€1k▲

Gross operating margin9900€117k€75k▼

Operating profit (loss)9901€12k€13k▲

Financial income75/76B€501€3k▲

Recurring financial income75€501€3k▲

Financial charges65/66B€7k€9k▲

Recurring financial charges65€7k€9k▲

Profit (loss) for the period before taxes9903€5k€7k▲

Income taxes67/77€3k€4k▲

Profit (loss) for the period9904€3k€2k▼

Profit (loss) for the period to be appropriated9905€3k€2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€3k€2k▼

Transfer to equity691/2€3k€2k▼

To other reserves6921€3k€2k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-01-2027

2026

02-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 2 days late

2025

30-06

Financial Weakest financial yearnet €2k ▼20.2%

Net result drops to €2k, the lowest in the series.

04-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 4 days late

2024

31-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Zedelgem · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Brugsestraat 2258210 Zedelgem

Ground area

512 m²

Building footprint

104 m²

Volume, LiDAR

693 m³

Parcel 31040D0386/00D004, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Dakwerken Decorte

Brugsestraat 225, 8210 ZedelgemBricklaying and masonry work

since 20212.326.022.683

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31040D0386/00D004	Flanders	512 m²	1 · 104 m²	10.3 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

Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,552 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-12-2021

Fiscal year end30-06

Activities, NACEBEL

43320Joinery installation

43410Roofing work

43110Demolition

43230Insulation installation

43291Specialised construction activities

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 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.