Liquidity
Short-term debts rose from €1,722 to €420,052.
Short-term debts rose from €1,722 to €420,052.
The last five annual accounts were filed 24 to 65 days before the end of the period.
More equity than 85% of companies in specialised construction. Sector median €57,825 · 37,254 companies.
In July 2024, 6,053 companies had the same profile as DB-CONSTRUCT has now. Each dot stands for 16 companies, two years later.
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,053 companies, not a prediction for DB-CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| DB-CONSTRUCT Affligem | €688,602 | €64,788 | 31.7% | - |
| ROBBY COOLS Halen | €668,719 | €76,730 | 29.0% | - |
| JAN MERTENS VLOER- EN TEGELWERKEN Rijkevorsel | €630,362 | €69,345 | 56.1% | - |
| IVD-Reno Rijkevorsel | €632,048 | €51,460 | 15.0% | - |
| SAM SMETS VLOER- EN WANDTEGELS Rotselaar | €610,022 | €75,130 | 64.9% | - |
| WILLIAM PARKER Kraainem | €497,468 | €67,572 | 64.3% | - |
| ENTREPRISE JACQUES NOEL ET FRERE Bertrix | €555,472 | €64,655 | 79.6% | - |
These companies have the same main activity as DB-CONSTRUCT: floor and wall tiling (NACE 43331). They are comparable in size and age: total assets between €497,000 and €669,000, founded between 2005 and 2010.
DB-CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €74,251 in 2009 to €64,788 in 2025.
The balance sheet grew most in 2022 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €250,000. Estimated: probably between €170,000 and €410,000.
Higher than 33% of 37,240 companies in 2025.
Higher than 7% of 36,534 companies in 2025.
Higher than 35% of 36,769 companies in 2025.
Net result: middle half · Equity: top quarter · Balance sheet total: top quarter · Working capital: bottom quarter
Staff costs divided by the average number of full-time equivalents.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||||||||
20/58 |
688,602 | 671,873 | 700,422 | 738,664 | 298,727 | 316,618 | 326,670 | 378,178 | 315,237 | 299,907 | 364,018 | 310,444 | 384,899 | 371,267 | 493,610 | 318,564 | 264,716 | |
21/28 |
488,268 | 507,562 | 529,628 | 534,562 | 11,669 | 411 | 578 | 1,120 | 1,404 | 2,712 | 5,170 | 6,235 | 7,296 | 26,528 | 51,795 | 48,729 | 28,125 | |
22/27 |
488,268 | 507,562 | 529,628 | 534,562 | 11,425 | 167 | 333 | 875 | 1,159 | 2,468 | 4,925 | 5,990 | 7,052 | 26,284 | 51,550 | 48,485 | 27,881 | |
22 |
487,314 | 504,125 | 520,935 | 521,464 | 4,729 | - | 0 | 0 | 0 | 0 | 0 | 0 | 436 | 872 | 15,807 | 18,979 | - | |
23 |
170 | 1,801 | 3,433 | 5,064 | 6,696 | - | - | - | 596 | 1,342 | 2,236 | 1,738 | 3,326 | 5,800 | 10,257 | 14,165 | 11,600 | |
24 |
783 | 1,636 | 5,260 | 8,033 | - | 167 | 333 | 875 | 563 | 1,126 | 2,689 | 4,252 | 3,290 | 19,611 | 25,486 | 15,341 | 16,281 | |
28 |
- | - | - | - | 245 | 245 | 245 | 245 | 245 | 245 | 245 | 245 | 245 | 245 | 245 | 244 | 244 | |
29/58 |
200,334 | 164,311 | 170,794 | 204,102 | 287,058 | 316,207 | 326,092 | 377,059 | 313,833 | 297,195 | 358,849 | 304,209 | 377,603 | 344,739 | 441,816 | 269,835 | 236,591 | |
3 |
- | - | - | - | - | - | - | - | - | - | - | 32,174 | 51,548 | - | - | - | 13,542 | |
37 |
- | - | - | - | - | - | - | - | - | - | - | 32,174 | 51,548 | - | - | - | 13,542 | |
40/41 |
139,608 | 73,160 | 84,574 | 96,764 | 167,801 | 133,249 | 161,783 | 293,190 | 241,496 | 125,932 | 224,999 | 228,490 | 236,701 | 275,174 | 400,067 | 211,564 | 142,324 | |
40 |
108,624 | 73,009 | 73,731 | 91,876 | 160,837 | 95,230 | 147,926 | 241,192 | 226,321 | 123,891 | 190,468 | 166,427 | 217,875 | 256,775 | 364,286 | 193,708 | 125,857 | |
41 |
30,984 | 151 | 10,843 | 4,888 | 6,964 | 38,019 | 13,857 | 51,998 | 15,175 | 2,040 | 34,531 | 62,063 | 18,826 | 18,399 | 35,781 | 17,856 | 16,467 | |
54/58 |
60,613 | 89,451 | 86,116 | 95,856 | 118,373 | 182,177 | 158,167 | 83,088 | 72,337 | 171,263 | 123,740 | 32,586 | 89,038 | 62,881 | 32,090 | 51,468 | 79,037 | |
490/1 |
113 | 1,700 | 104 | 11,482 | 884 | 780 | 6,142 | 780 | - | - | 10,110 | 10,960 | 315 | 6,684 | 9,659 | 6,803 | 1,688 | |
| Balance sheet: equity and liabilities | ||||||||||||||||||
10/49 |
688,602 | 671,873 | 700,422 | 738,664 | 298,727 | 316,618 | 326,670 | 378,178 | 315,237 | 299,907 | 364,018 | 310,444 | 384,899 | 371,267 | 493,610 | 318,564 | 264,716 | |
10/15 |
218,550 | 201,651 | 228,546 | 252,000 | 248,487 | 284,061 | 267,884 | 265,423 | 204,938 | 205,957 | 197,543 | 173,790 | 168,310 | 129,661 | 101,471 | 86,990 | 57,851 | |
10/11 |
20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | |
100 |
- | - | - | - | - | - | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | |
13 |
198,550 | 181,651 | 208,546 | 232,000 | 228,487 | 264,061 | 247,884 | 245,423 | 184,938 | 185,957 | 177,000 | 152,000 | 142,000 | 102,000 | 77,000 | 2,000 | 1,893 | |
130/1 |
- | - | - | 2,000 | 2,000 | 2,000 | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 1,893 | |
1311 |
- | - | - | 2,000 | 2,000 | 2,000 | - | - | - | - | - | - | - | - | - | - | - | |
133 |
198,550 | 181,651 | 208,546 | 230,000 | 226,487 | 262,061 | 245,884 | 243,423 | 182,938 | 183,957 | 175,000 | 150,000 | 140,000 | 100,000 | 75,000 | - | - | |
14 |
- | - | - | - | - | - | - | - | - | - | 543 | 1,790 | 6,310 | 7,661 | 4,471 | 64,990 | 35,958 | |
17/49 |
470,052 | 470,222 | 471,877 | 486,663 | 50,240 | 32,557 | 58,786 | 112,755 | 110,299 | 93,951 | 166,475 | 136,654 | 216,589 | 241,606 | 392,139 | 231,574 | 206,865 | |
17 |
50,000 | 468,500 | 468,500 | 468,500 | 50,000 | - | - | - | - | - | - | - | - | 11,584 | 25,483 | 39,383 | 64,304 | |
170/4 |
50,000 | 468,500 | 468,500 | 468,500 | 50,000 | - | - | - | - | - | - | - | - | 11,584 | 25,483 | 39,383 | 64,304 | |
42/48 |
420,052 | 1,722 | 3,377 | 18,163 | - | 25,131 | 58,786 | 112,673 | 92,519 | 93,951 | 166,475 | 133,506 | 216,589 | 229,912 | 366,655 | 192,191 | 142,561 | |
42 |
418,500 | - | - | - | - | - | - | - | - | - | 75,000 | - | 86,584 | 113,900 | 163,900 | 90,747 | 77,879 | |
43 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 540 | - | |
430/8 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 540 | - | |
44 |
0 | 1,722 | 3,377 | 18,163 | - | 18,293 | 44,345 | 104,939 | 90,518 | 89,263 | 80,218 | 116,745 | 107,622 | 99,480 | 162,997 | 74,616 | 46,400 | |
440/4 |
0 | 1,722 | 3,377 | 18,163 | - | 18,293 | 44,345 | 104,939 | 90,518 | 89,263 | 80,218 | 116,745 | 107,622 | 99,480 | 162,997 | 74,616 | 46,400 | |
45 |
1,440 | 0 | 0 | 0 | - | 6,838 | 13,488 | 7,081 | 1,348 | 3,752 | 163 | 5,462 | 1,720 | 4,741 | 33,697 | 21,688 | 16,244 | |
450/3 |
1,440 | - | - | - | - | 5,413 | 2,100 | 4,864 | 1,348 | 3,752 | 163 | 254 | 751 | 3,574 | 23,990 | 17,986 | 16,244 | |
454/9 |
0 | 0 | 0 | 0 | - | 1,425 | 11,388 | 2,217 | - | - | - | 5,208 | 968 | 1,167 | 9,707 | 3,702 | - | |
47/48 |
112 | - | - | - | - | - | 953 | 653 | 653 | 936 | 11,094 | 11,299 | 20,664 | 11,791 | 6,062 | 4,600 | 2,038 | |
492/3 |
- | 0 | - | - | 240 | 7,425 | - | 83 | 17,780 | - | - | 3,148 | - | 110 | - | - | 0 | |
| Income statement | ||||||||||||||||||
70 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.6m | - | - | |
76A |
- | - | - | - | - | 500 | - | - | - | 220 | - | 1,000 | 182 | - | - | - | - | |
9900 |
64,788 | 22,238 | 10,111 | 25,105 | -6,350 | 32,816 | 93,284 | 141,784 | 6,046 | 44,360 | 94,178 | 74,862 | 126,438 | 283,212 | 287,896 | 236,238 | 74,251 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.3m | - | - | |
62 |
381 | 201 | 359 | 326 | 1,049 | 4,291 | 82,711 | 23,397 | 704 | 4,948 | 47,133 | 51,346 | 47,679 | 197,696 | 237,160 | 126,020 | 7,193 | |
630 |
20,159 | 22,066 | 21,467 | 15,504 | 1,482 | 167 | 1,042 | 2,034 | 1,308 | 2,458 | 3,110 | 3,876 | 12,206 | 19,671 | 19,498 | 15,817 | 7,101 | |
631/4 |
6,742 | - | - | - | - | - | - | 28,328 | - | - | - | - | - | - | -14,920 | 23,470 | - | |
640/8 |
911 | 884 | 959 | 821 | 566 | 1,012 | 2,777 | 782 | 1,410 | 21,574 | 3,887 | 781 | 572 | 5,312 | 14,250 | 7,465 | 423 | |
66A |
- | - | - | - | 167 | - | - | - | - | - | - | 4,054 | 8,417 | 12,525 | - | 8,638 | - | |
9901 |
36,595 | -913 | -12,674 | 8,454 | -9,613 | 27,347 | 6,754 | 87,243 | 2,623 | 15,381 | 40,048 | 18,858 | 65,981 | 60,534 | 31,909 | 63,466 | 59,534 | |
75/76B |
6,856 | - | - | 211 | 1 | - | - | 48 | - | 85 | 825 | 26 | 8,031 | 4,279 | 183 | 355 | 2 | |
75 |
6,856 | - | - | 211 | 1 | - | - | 48 | - | 85 | 825 | 26 | 8,031 | 4,279 | 183 | 355 | 2 | |
65/66B |
24,862 | 25,982 | 10,781 | 4,204 | 546 | 754 | 1,033 | 1,942 | 2,294 | 1,857 | 5,061 | 6,422 | 8,310 | 12,861 | 11,812 | 8,406 | 5,441 | |
65 |
24,862 | 25,982 | 10,781 | 4,204 | 546 | 754 | 1,033 | 1,942 | 2,294 | 1,857 | 5,061 | 6,422 | 8,310 | 12,861 | 11,812 | 8,406 | 5,441 | |
9903 |
18,589 | -26,895 | -23,455 | 4,461 | -10,158 | 26,593 | 5,721 | 85,349 | 330 | 13,608 | 35,812 | 9,408 | 57,467 | 39,426 | 20,279 | 46,777 | 54,095 | |
67/77 |
1,690 | - | 0 | 948 | 416 | 10,416 | 3,259 | 24,864 | 1,348 | 5,195 | 12,059 | 3,927 | 18,818 | 11,237 | 5,798 | 17,638 | 16,244 | |
9904 |
16,899 | -26,895 | -23,455 | 3,513 | -10,574 | 16,177 | 2,461 | 60,485 | -1,018 | 8,413 | 23,753 | 5,480 | 38,649 | 28,189 | 14,481 | 29,139 | 37,851 | |
9905 |
16,899 | -26,895 | -23,455 | 3,513 | -10,574 | 16,177 | 2,461 | 60,485 | -1,018 | 8,413 | 23,753 | 5,480 | 38,649 | 28,189 | 14,481 | 29,139 | 37,851 | |
| Appropriation of the result | ||||||||||||||||||
9906 |
16,899 | -26,895 | -23,455 | 3,513 | -10,574 | 16,177 | 2,461 | 60,485 | -1,018 | 8,957 | 25,543 | 11,790 | 46,310 | 32,661 | 79,471 | 65,097 | 37,851 | |
791/2 |
- | 26,895 | 23,455 | - | 35,574 | - | - | - | 1,018 | - | - | - | - | - | - | - | - | |
691/2 |
16,899 | - | - | 3,513 | - | 16,177 | 2,461 | 60,485 | - | 8,957 | 25,000 | 10,000 | 40,000 | 25,000 | 75,000 | 107 | 1,893 | |
691 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 107 | 1,893 | |
6921 |
16,899 | - | - | 3,513 | - | 16,177 | 2,461 | 60,485 | - | 8,957 | 25,000 | 10,000 | 40,000 | 25,000 | 75,000 | - | - | |
694/7 |
- | - | - | - | 25,000 | - | - | - | - | - | - | - | - | - | - | - | - | |
694 |
- | - | - | - | 25,000 | - | - | - | - | - | - | - | - | - | - | - | - | |
| Social balance sheet | ||||||||||||||||||
9087 |
- | 0 | - | - | - | - | 1 | 0.3 | - | - | 1.8 | 2 | 2 | 7 | 7.5 | 5.2 | 0.5 | |
Hours worked1013 |
- | - | - | - | - | - | 1,736 | 480 | - | - | 1,488 | 1,748 | 1,898 | 7,744 | 8,520 | 4,714 | 220 | |
| Document | ||||||||||||||||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 26-06-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 26-06-2026 | 2026-00201452 | |
| 31-12-2024 | abbreviated format | 28-05-2025 | 2025-00108405 | |
| 31-12-2023 | abbreviated format | 27-05-2024 | 2024-00096543 | |
| 31-12-2022 | abbreviated format | 07-07-2023 | 2023-00212630 | |
| 31-12-2021 | abbreviated format | 23-06-2022 | 2022-20085056 | |
| 31-12-2020 | micro format | 29-06-2021 | 2021-25900481 | |
| 31-12-2019 | micro format | 09-07-2020 | 2020-27700044 | |
| 31-12-2018 | micro format | 28-06-2019 | 2019-23800558 | |
| 31-12-2017 | micro format | 02-07-2018 | 2018-28200350 | |
| 31-12-2016 | micro format | 19-06-2017 | 2017-17900442 | |
| 31-12-2015 | abbreviated format | 04-07-2016 | 2016-25900297 | |
| 31-12-2014 | abbreviated format | 14-07-2015 | 2015-29700487 | |
| 31-12-2013 | abbreviated format | 25-06-2014 | 2014-20600374 | |
| 31-12-2012 | abbreviated format | 18-07-2013 | 2013-31400556 | |
| 31-12-2011 | abbreviated format | 18-07-2012 | 2012-30300257 | |
| 31-12-2010 | abbreviated format | 20-06-2011 | 2011-18100242 | |
| 31-12-2009 | abbreviated format | 21-06-2010 | 2010-19800422 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 56,754 | 21,153 | 8,794 | 23,958 | -8,131 | 27,514 | 7,795 | 89,277 | 3,932 | 17,839 | 43,158 | 22,735 | 78,187 | 80,205 | 51,406 | 79,283 | 66,635 | ||
| 37,058 | -4,829 | -1,987 | 19,017 | -9,091 | 16,343 | 3,503 | 62,519 | 290 | 10,871 | 26,863 | 9,357 | 50,855 | 47,860 | 33,979 | 44,956 | 44,952 | ||
| 865 | 0 | 16,534 | 538,640 | 12,907 | -0 | 500 | 1,750 | 0 | 0 | 3,727 | 8,196 | 4,284 | 7,095 | 22,562 | 45,886 | 35,226 | ||
| -28,838 | 3,335 | -9,740 | -22,517 | -63,804 | 24,010 | 75,079 | 10,752 | -98,927 | 47,523 | 91,155 | -56,453 | 26,157 | 30,791 | -19,378 | -27,569 | - | ||
| -219,718 | 162,589 | 167,418 | 185,939 | - | 291,075 | 267,307 | 264,386 | 221,314 | 203,244 | 192,374 | 170,703 | 161,014 | 114,827 | 75,160 | 77,644 | 94,030 | ||
| - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.1% | - | - | ||
| 31.7% | 30.0% | 32.6% | 34.1% | 83.2% | 89.7% | 82.0% | 70.2% | 65.0% | 68.7% | 54.3% | 56.0% | 43.7% | 34.9% | 20.6% | 27.3% | 21.9% | ||
| 0.48 | 95.43 | 50.58 | 11.24 | - | 12.58 | 5.55 | 3.35 | 3.39 | 3.16 | 2.16 | 2.28 | 1.74 | 1.50 | 1.20 | 1.40 | 1.66 | ||
| 0.48 | 95.43 | 50.58 | 11.24 | - | 12.58 | 5.55 | 3.35 | 3.39 | 3.16 | 2.16 | 2.04 | 1.51 | 1.50 | 1.20 | 1.40 | 1.56 | ||
| 2.15 | 2.33 | 2.06 | 1.93 | 0.20 | 0.11 | 0.22 | 0.42 | 0.54 | 0.46 | 0.84 | 0.79 | 1.29 | 1.86 | 3.86 | 2.66 | 3.58 | ||
| 7.7% | -13.3% | -10.3% | 1.4% | -4.3% | 5.7% | 0.9% | 22.8% | -0.5% | 4.1% | 12.0% | 3.2% | 23.0% | 21.7% | 14.3% | 33.5% | 65.4% | ||
| 2.5% | -4.0% | -3.3% | 0.5% | -3.5% | 5.1% | 0.8% | 16.0% | -0.3% | 2.8% | 6.5% | 1.8% | 10.0% | 7.6% | 2.9% | 9.1% | 14.3% | ||
| 2.28 | 0.81 | 0.82 | 5.70 | -14.89 | - | - | - | - | - | - | - | - | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | - | - | - | - | - | 85 days | - | - | ||
| - | - | - | - | - | - | - | - | - | - | - | - | - | - | 47 days | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €865 | - | €16,534 | €538,640 | €12,907 |
| €20,159 | €22,066 | €21,467 | €15,504 | €1,482 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a profit of €36,595, after a loss of €913 in 2024. It is the highest result since 2018.
Debt's share of the balance-sheet total falls from 70.0% to 68.3%. Equity is higher.
Source: shareholder structure in its own accounts
DB-CONSTRUCT has no parent and no holdings in its annual accounts.
| CPI-CONSTRUCTS
registered office since 02-05-2006 · founded in 2006 |
5 FTE (2025) 0880.749.706 |
The network starts from the directors of DB-CONSTRUCT. Every other company they run is a node.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Wijk Pelink 33 registered office 1790 Affligem | ||
| BVBA DB-CONSTRUCT Nijverheidszone 'Begijnenmeers' 37, 1770 Liedekerke | 16-12-2008 | 2.175.361.491 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23044A0068/00W000 | 4,345 m² | 1 · 1,426 m² | 5.9 m · 2 |
| 23021B0273/00Z002 | 521 m² | 1 · 107 m² | 5.9 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0895.290.895
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