DBA Onderneming
ActiveSummary
The computed 12-month bankruptcy probability of DBA Onderneming is 1.5% (moderate). The 2025 annual accounts show equity of €592k and a net result of €651. Equity is growing by ~52.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 2198 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability45▼-38
Solvency60=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.6 in 2024; short-term debt: 46.7% and cash: 5.6% of total assets), and 65.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
34.7%
Return on assets
0%
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 · 7 filingsDeviation from the deadline
2025
25 d late
2024
6 d late
2023
8 d late
2022
4 d early
2021
31 d late
2020
31 d late
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€592k▲ 0.1%
2024 · €592k
2019: €50klowest in 7 years
2020: €98k▲ +98.1% vs 2019
2021: €175k▲ +78.4% vs 2020
2022: €349k▲ +99.0% vs 2021
2023: €405k▲ +16.3% vs 2022
2024: €592k▲ +46.0% vs 2023
2025: €592k▲ +0.1% vs 2024highest in 7 years
2019 → 2025
Total assets
€1.71M▲ 1.7%
2024 · €1.68M
2019: €185klowest in 7 years
2020: €789k▲ +327% vs 2019
2021: €1.02M▲ +29.9% vs 2020
2022: €1.34M▲ +30.9% vs 2021
2023: €1.40M▲ +4.1% vs 2022
2024: €1.68M▲ +20.1% vs 2023
2025: €1.71M▲ +1.7% vs 2024highest in 7 years
2019 → 2025
Net result
€651▼ 99.7%
2024 · €186k
2019: €31k
2020: €49k▲ +57.1% vs 2019
2021: €77k▲ +58.3% vs 2020
2022: €173k▲ +125% vs 2021
2023: €57k▼ -67.3% vs 2022
2024: €186k▲ +229% vs 2023highest in 7 years
2025: €651▼ -99.7% vs 2024lowest in 7 years
2019 → 2025
Working capital
€288k▼ 21.5%
2024 · €367k
2019: €26k
2020: €24k▼ -6.3% vs 2019lowest in 7 years
2021: €79k▲ +226% vs 2020
2022: €190k▲ +139% vs 2021
2023: €163k▼ -13.9% vs 2022
2024: €367k▲ +124% vs 2023highest in 7 years
2025: €288k▼ -21.5% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€175k-€349k▲ 99.0%€405k▲ 16.3%€592k▲ 46.0%€592k▲ 0.1%
2021: €175klowest in 5 years
2022: €349k▲ +99.0% vs 2021
2023: €405k▲ +16.3% vs 2022
2024: €592k▲ +46.0% vs 2023
2025: €592k▲ +0.1% vs 2024highest in 5 years
Operating result€134k-€250k▲ 86.9%€100k▼ 60.1%€293k▲ 193%€62k▼ 78.7%
2021: €134k
2022: €250k▲ +86.9% vs 2021
2023: €100k▼ -60.1% vs 2022
2024: €293k▲ +193% vs 2023highest in 5 years
2025: €62k▼ -78.7% vs 2024lowest in 5 years
Net result€77k-€173k▲ 125%€57k▼ 67.3%€186k▲ 229%€651▼ 99.7%
2021: €77k
2022: €173k▲ +125% vs 2021
2023: €57k▼ -67.3% vs 2022
2024: €186k▲ +229% vs 2023highest in 5 years
2025: €651▼ -99.7% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.71M
Fixed assets
€621k ▼ 10.7%
Current assets
€1.09M ▲ 10.5%
Equity and liabilities €1.71M
Equity
€592k ▲ 0.1%
Debt
€1.11M ▲ 2.6%
Debt's share of the balance-sheet total rises from 64.7% to 65.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€171k▼
2024 · €449k
Cash flow
€109k▼
2024 · €343k
Current ratio
1.36▼
2024 · 1.60
Quick ratio
1.13▼
2024 · 1.57
Debt to equity
1.88▲
2024 · 1.84
ROE
0.1%▼
2024 · 31.5%
ROA
0.0%▼
2024 · 11.1%
Interest coverage
3.17▼
2024 · 12.48
Debt ≤ 1 year
€798k▲
2024 · €615k
Debt > 1 year
€317k▼
2024 · €471k
Income taxes
€23k▼
2024 · €85k
Staff costs
€312k▼
2024 · €414k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.68M€1.71M▲
Fixed assets21/28€696k€621k▼
Tangible fixed assets22/27€696k€617k▼
Land and buildings22€192k€192k=
Plant, machinery and equipment23€260k€239k▼
Furniture and vehicles24€107k€102k▼
Leasing and similar rights25€137k€84k▼
Financial fixed assets28-€4k
Current assets29/58€982k€1.09M▲
Amounts receivable after more than one year29€4k-
Other amounts receivable291€4k-
Stocks and contracts in progress3€17k€188k▲
Stocks30/36€11k€188k▲
Contracts in progress37€6k€0▼
Amounts receivable within one year40/41€486k€739k▲
Trade receivables40€193k€268k▲
Other amounts receivable41€293k€470k▲
Cash at bank and in hand54/58€470k€96k▼
Deferred charges and accrued income490/1€5k€64k▲
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.71M▲
Equity10/15€592k€592k▲
Contributions10/11€19k€19k=
Reserves13€573k€574k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€571k€572k▲
Amounts payable17/49€1.09M€1.11M▲
Amounts payable after more than one year17€471k€317k▼
Financial debts170/4€471k€317k▼
Amounts payable within one year42/48€615k€798k▲
Current portion of amounts payable after more than one year42€144k€138k▼
Financial debts43-€179k
Credit institutions430/8-€179k
Trade debts44€404k€389k▼
Suppliers440/4€404k€389k▼
Taxes, remuneration and social security45€59k€13k▼
Taxes450/3€45k€12k▼
Remuneration and social security454/9€14k€1k▼
Other amounts payable47/48€9k€78k▲
Income statement
Code20242025
Remuneration, social security and pensions62€414k€312k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€156k€109k▼
Other operating charges640/8€19k€8k▼
Gross operating margin9900€882k€491k▼
Operating profit (loss)9901€293k€62k▼
Financial income75/76B€14k€15k▲
Recurring financial income75€14k€15k▲
Financial charges65/66B€36k€54k▲
Recurring financial charges65€36k€54k▲
Profit (loss) for the period before taxes9903€271k€24k▼
Income taxes67/77€85k€23k▼
Profit (loss) for the period9904€186k€651▼
Profit (loss) for the period to be appropriated9905€186k€651▼
Appropriation of the result
Profit (loss) to be appropriated9906€186k€651▼
Transfer to equity691/2€186k€651▼
To other reserves6921€186k€651▼
Social balance
Average headcount (FTE)9087-4.9
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €290k | €208k | €393k | €414k | €312k | ▼ 24.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66k | €103k | €174k | €156k | €109k | ▼ 30.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €91k | - | - | - |
| Other operating charges640/8 | €5k | €14k | €9k | €19k | €8k | ▼ 59.7% |
| Non-recurring operating charges66A | - | €3k | €1k | - | - | - |
| Gross operating margin9900 | €495k | €577k | €769k | €882k | €491k | ▼ 44.4% |
| Operating profit (loss)9901 | €134k | €250k | €100k | €293k | €62k | ▼ 78.7% |
| Financial income75/76B | €20k | €11k | €25k | €14k | €15k | ▲ 8.4% |
| Recurring financial income75 | €20k | €11k | €17k | €14k | €15k | ▲ 8.4% |
| Non-recurring financial income76B | - | - | €8k | - | - | - |
| Financial charges65/66B | €51k | €14k | €39k | €36k | €54k | ▲ 50.1% |
| Recurring financial charges65 | €51k | €14k | €36k | €36k | €54k | ▲ 50.1% |
| Non-recurring financial charges66B | - | - | €2k | - | - | - |
| Profit (loss) for the period before taxes9903 | €103k | €248k | €86k | €271k | €24k | ▼ 91.3% |
| Income taxes67/77 | €26k | €74k | €29k | €85k | €23k | ▼ 72.8% |
| Profit (loss) for the period9904 | €77k | €173k | €57k | €186k | €651 | ▼ 99.7% |
| Profit (loss) for the period to be appropriated9905 | €77k | €173k | €57k | €186k | €651 | ▼ 99.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.02M | €1.34M | €1.40M | €1.68M | €1.71M | ▲ 1.7% |
| Formation expenses20 | €3k | €2k | - | - | - | - |
| Fixed assets21/28 | €252k | €365k | €692k | €696k | €621k | ▼ 10.7% |
| Tangible fixed assets22/27 | €252k | €365k | €692k | €696k | €617k | ▼ 11.4% |
| Land and buildings22 | - | - | €201k | €192k | €192k | = |
| Plant, machinery and equipment23 | €84k | €62k | €247k | €260k | €239k | ▼ 8.0% |
| Furniture and vehicles24 | €9k | €19k | €39k | €107k | €102k | ▼ 4.7% |
| Leasing and similar rights25 | €159k | €283k | €205k | €137k | €84k | ▼ 38.8% |
| Financial fixed assets28 | - | - | - | - | €4k | - |
| Current assets29/58 | €770k | €975k | €705k | €982k | €1.09M | ▲ 10.5% |
| Amounts receivable after more than one year29 | - | - | €500 | €4k | - | - |
| Other amounts receivable291 | - | - | €500 | €4k | - | - |
| Stocks and contracts in progress3 | €11k | €19k | €6k | €17k | €188k | ▲ 1,021% |
| Stocks30/36 | €2k | €2k | - | €11k | €188k | ▲ 1,593% |
| Contracts in progress37 | €9k | €17k | €6k | €6k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €328k | €801k | €446k | €486k | €739k | ▲ 51.9% |
| Trade receivables40 | €257k | €645k | €237k | €193k | €268k | ▲ 38.7% |
| Other amounts receivable41 | €72k | €156k | €209k | €293k | €470k | ▲ 60.6% |
| Cash at bank and in hand54/58 | €429k | €150k | €248k | €470k | €96k | ▼ 79.7% |
| Deferred charges and accrued income490/1 | €1k | €5k | €4k | €5k | €64k | ▲ 1,091% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.02M | €1.34M | €1.40M | €1.68M | €1.71M | ▲ 1.7% |
| Equity10/15 | €175k | €349k | €405k | €592k | €592k | ▲ 0.1% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Reserves13 | €157k | €330k | €387k | €573k | €574k | ▲ 0.1% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €155k | €328k | €385k | €571k | €572k | ▲ 0.1% |
| Amounts payable17/49 | €850k | €993k | €992k | €1.09M | €1.11M | ▲ 2.6% |
| Amounts payable after more than one year17 | €160k | €208k | €450k | €471k | €317k | ▼ 32.8% |
| Financial debts170/4 | €160k | €208k | €450k | €471k | €317k | ▼ 32.8% |
| Amounts payable within one year42/48 | €690k | €785k | €542k | €615k | €798k | ▲ 29.7% |
| Current portion of amounts payable after more than one year42 | €72k | €130k | €127k | €144k | €138k | ▼ 4.1% |
| Financial debts43 | - | €150k | €150k | - | €179k | - |
| Credit institutions430/8 | - | €150k | €150k | - | €179k | - |
| Trade debts44 | €254k | €378k | €200k | €404k | €389k | ▼ 3.6% |
| Suppliers440/4 | €254k | €378k | €200k | €404k | €389k | ▼ 3.6% |
| Advances received on contracts in progress46 | €295k | €63k | - | - | - | - |
| Taxes, remuneration and social security45 | €69k | €64k | €65k | €59k | €13k | ▼ 77.9% |
| Taxes450/3 | €44k | €52k | €30k | €45k | €12k | ▼ 73.5% |
| Remuneration and social security454/9 | €25k | €12k | €35k | €14k | €1k | ▼ 91.6% |
| Other amounts payable47/48 | - | - | - | €9k | €78k | ▲ 772% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €77k | €173k | €57k | €186k | €651 | ▼ 99.7% |
| + Depreciation and write-downs630 | €66k | €103k | €174k | €156k | €109k | ▼ 30.4% |
| Operating cash flow (approximation) | €143k | €276k | €230k | €343k | €109k | ▼ 68.1% |
| Investment in fixed assets (approximation) | - | €-216k | €-501k | €-160k | €-34k | ▲ 78.7% |
| Change in cash | - | €-279k | €98k | €222k | €-375k | ▼ 269% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €651 ▼99.7%
Net result drops to €651, the lowest in the series.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
31-12
Financial
Highest result since 2019net €186k ▲229%
Operating result €293k, net result €186k, both a record.
31-12
Financial
Equity above €500kEq €592k ▲46%
6 profitable years in a row build equity to €592k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €349k ▲99%
4 profitable years in a row build equity to €349k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €175k ▲78.4%
3 profitable years in a row build equity to €175k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Kinrooi · 1 establishment unit since 2019
Ground area
1,741 m²
Building footprint
185 m²
Volume, LiDAR
378 m³
Parcel 72018B0730/00C000, Flanders · tallest building 26.3 m. Linked by address, not a title deed.
1 establishment unit
DBA Onderneming
since 20192.288.871.485
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72018B0730/00C000 | Flanders | 1,741 m² | 1 · 185 m² | 26.2 m |
Linked by address, not proof of ownership
Good to know
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
2025 · 1 entry · 1,344 EUR awarded · 1,344 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,344 EUR | 1,344 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 8,556 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Contact
E-mail
dba.onderneming@hotmail.be
Scores and ratios are computed by Checked and are not a credit decision.