DANY M CONSTRUCT
ActiveDANY M CONSTRUCT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+72
Solvency73▲+27
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.25 in 2024; short-term debt: 52.3% of total assets), but 52.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.7%
Return on assets
20%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €41k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
58 d early
2024
9 d early
2023
51 d late
2022
42 d late
2021
30 d late
2020
24 d late
2019
4 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€356k▼ 21.5%
2022 · €454k
2018: €100k
2019: €318k
2020: €173k
2021: €211k
2022: €454k
2018 → 2023
EBIT margin
0.8%▲ 3.9pp
2022 · -3.2%
2018: 1.2%
2019: 16.2%
2020: -33.2%
2021: 25.3%
2022: -3.2%
2018 → 2023
Net result
€17k
2024 · €-3k
2018: €1k
2019: €41k
2020: €-60k
2021: €53k
2022: €-16k
2023: €243
2024: €-3k
2018 → 2025
Working capital
€35k▲ 60.1%
2024 · €22k
2018: €7k
2019: €48k
2020: €-4k
2021: €44k
2022: €23k
2023: €23k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€211k-€454k▲ 115%€356k▼ 21.5%
Equity€42k-€26k▼ 37.4%€27k▲ 0.9%€24k▼ 10.0%€41k▲ 72.0%
Operating result€53k-€-14k€3k€-460€21k
Net result€53k-€-16k€243€-3k€17k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €460 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€7k▲ 178%
Current assets
€80k▼ 27.2%
Equity and liabilities €87k
Equity
€41k▲ 72.0%
Debt
€45k▼ 48.6%
The debt ratio falls from 78.6% to 52.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▲
2024 · €2k
Cash flow
€21k▲
2024 · €-660
Solvency
47.7%▲
2024 · 21.4%
Current ratio
1.76▲
2024 · 1.25
Quick ratio
1.76▲
2024 · 1.25
Debt / equity
1.10▼
2024 · 3.67
ROE
41.9%▲
2024 · -11.1%
ROA
20.0%▲
2024 · -2.4%
Interest coverage
7.30▲
2024 · 0.70
Debt
€45k▼
2024 · €88k
Debt ≤ 1 year
€45k▼
2024 · €88k
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€112k€87k▼
Fixed assets21/28€2k€7k▲
Tangible fixed assets22/27€1k€6k▲
Furniture and vehicles24€1k€6k▲
Financial fixed assets28€1k€1k=
Current assets29/58€110k€80k▼
Amounts receivable within one year40/41€109k€78k▼
Trade receivables40€108k€78k▼
Other amounts receivable41€1k-
Deferred charges and accrued income490/1€760€1k▲
Equity and liabilities
Total equity and liabilities10/49€112k€87k▼
Equity10/15€24k€41k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€16k€33k▲
Amounts payable17/49€88k€45k▼
Amounts payable within one year42/48€88k€45k▼
Financial debts43€5k€4k▼
Credit institutions430/8€5k€4k▼
Trade debts44€13k€3k▼
Suppliers440/4€13k€3k▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€71k€37k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€446€298▼
Gross operating margin9900€2k€25k▲
Operating profit (loss)9901€-460€21k▲
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-3k€17k▲
Profit (loss) for the period9904€-3k€17k▲
Profit (loss) for the period to be appropriated9905€-3k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€33k▲
Profit (loss) brought forward from the previous period14P€19k€16k▼
The notes to these accounts (5 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
31-12
Financial
Back to profitnet €243
Net result €243 after one loss-making year.
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-60k ▼244%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 4 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Merbes-le-Château · 1 establishment unit since 2018
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.
Rue de la Rawarte(LAB) 26567 Merbes-le-ChâteauGround area
552 m²
Building footprint
72 m²
Parcel 56038B0017/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de la Rawarte(LAB) 2, 6567 Merbes-le-Château
since 20182.275.502.808
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56038B0017/00D000 | Wallonia | 552 m² | 1 · 72 m² | - |
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.
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 1,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-05-2018
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.