DBB CONCEPT

Active

Private limited companyfounded 20232 yrs activeFossebaan 121B, 1741 Ternat, BelgiumKBO/BCE: BE 1003.900.510

Summary

The computed 12-month bankruptcy probability of DBB CONCEPT is 2.2% (moderate). The 2025 annual accounts show equity of €9k and a net result of €3k. Its solvency ranks better than 40% of 7453 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

62 / 100

Healthy

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

Axes · tick = 2024

Profitability85▲+5

Solvency60▲+15

Growth78

Track record82

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 2.71 against 1.62 in 2024; short-term debt: 23.2% and cash: 8% of total assets), but 65.4% of the assets are financed with debt.

How do we compute the score and the probability?

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Signals

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

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

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 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-03-2026, 43 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

43 d early

2024

20 d early

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

25-09-2026 today30-09-2026 close30-04-2027 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

€9k▲ 62.1%

2024 · €5k

2024: €5k

2024 → 2025

Total assets

€26k▼ 4.3%

2024 · €27k

2024: €27k

2024 → 2025

Net result

€3k▲ 37.1%

2024 · €2k

2024: €2k

2024 → 2025

Working capital

€10k▲ 165%

2024 · €4k

2024: €4k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€5k-€9k▲ 62.1%

Operating result€4k-€5k▲ 21.1%

Net result€2k-€3k▲ 37.1%

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

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 21% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €26k

37.2%

62.8%

Fixed assets €10k ▼ 43.2%

Current assets €16k ▲ 61.2%

Equity and liabilities €26k

34.6%

65.4%

Equity €9k ▲ 62.1%

Debt €17k ▼ 21.3%

Debt's share of the balance-sheet total falls from 79.6% to 65.4%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€12k▲

2024 · €9k

Cash flow

€11k▲

2024 · €7k

Current ratio

2.71▲

2024 · 1.62

Debt to equity

1.89▼

2024 · 3.89

ROE

38.3%▼

2024 · 45.3%

ROA

13.3%▲

2024 · 9.3%

Interest coverage

13.75▲

2024 · 9.61

Debt ≤ 1 year

€6k▼

2024 · €6k

Debt > 1 year

€11k▼

2024 · €15k

Income taxes

€1k▲

2024 · €829

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 · 37 lines

Balance sheet Code20242025

Assets

Total assets20/58€27k€26k▼

Fixed assets21/28€17k€10k▼

Tangible fixed assets22/27€17k€10k▼

Furniture and vehicles24€17k€10k▼

Current assets29/58€10k€16k▲

Amounts receivable within one year40/41€7k€14k▲

Trade receivables40€6k€7k▲

Other amounts receivable41€1k€8k▲

Cash at bank and in hand54/58€3k€2k▼

Equity and liabilities

Total equity and liabilities10/49€27k€26k▼

Equity10/15€5k€9k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€2k€6k▲

Amounts payable17/49€21k€17k▼

Amounts payable after more than one year17€15k€11k▼

Financial debts170/4€15k€11k▼

Amounts payable within one year42/48€6k€6k▼

Current portion of amounts payable after more than one year42€4k€4k▲

Trade debts44€871€539▼

Suppliers440/4€871€539▼

Taxes, remuneration and social security45€829€1k▲

Taxes450/3€829€1k▲

Other amounts payable47/48€288-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲

Other operating charges640/8€820€765▼

Gross operating margin9900€10k€13k▲

Operating profit (loss)9901€4k€5k▲

Financial income75/76B€1€201▲

Recurring financial income75€1€201▲

Financial charges65/66B€964€906▼

Recurring financial charges65€964€906▼

Profit (loss) for the period before taxes9903€3k€4k▲

Income taxes67/77€829€1k▲

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

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

Appropriation of the result

Profit (loss) to be appropriated9906€2k€6k▲

Profit (loss) brought forward from the previous period14P-€2k

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

All 2Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2026

18-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

10-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Ternat · 1 establishment unit since 2024

seat establishment The establishment unit on the map

Ground area

2,143 m²

Building footprint

49 m²

Parcel 23091C0704/00B000, Flanders. Linked by address, not a title deed.

1 establishment unit

DBB CONCEPT

Fossebaan 121B, 1741 TernatCrop and animal production, hunting and related service activities

since 20242.353.523.965

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23091C0704/00B000	Flanders	2,143 m²	1 · 48 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.

Similar companies · same sector, comparable size

Karweidienst Campe

BE 0779.487.347

Sint-Laureins · Eq €8,903

G.S.D. ALGEMENE BOUWWERKEN

Machelen (Brab.) · Eq €8,918

QBL CONSTRUCT

BE 1000.412.171

Charleroi · Eq €8,874

Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 8,828 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-12-2023

Fiscal year end30-09

Activities, NACEBEL 2025

41001General construction of residential buildings

43341Painting of buildings

43350Other building finishing work

43990Other specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.