Turnover
≈ €160,000 estimated
The micro format states no turnover.
DBB CONCEPT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €13,219 (2025)
€13,219▲ 31.0%
peak €3,410 (2025)
€3,410▲ 37.1%
peak €8,898 (2025)
€8,898▲ 62.1%
€16,794▼ 21.3%
Board1 name since 2023
1 directorDE BEL Brandon Michel
Documentsfilings and deeds
18-03-202643 days before the deadline
2025micro format
Gross margin from €10,087 to €13,219Result from €2,488 to €3,410Equity from €5,488 to €8,898Debts from €21,350 to €16,794Cash from €3,189 to €2,066
Key points
from the 2025 annual accountsLiquidity
2.71 was 1.62 in 2024
Short-term debts fell from €6,163 to €5,952.
Starting capital
€3,000 100 shares
Checked score
52
Fair
Financially stronger than 62% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2025: 3.6%
02-2025: 3.6%● unchanged vs 01-2025
03-2025: 3.7%▲ +0.1 percentage points vs 02-2025
04-2025: 4.1%▲ +0.4 percentage points vs 03-2025highest value
05-2025: 3.1%▼ -1.0 percentage point vs 04-2025lowest value
06-2025: 3.1%● unchanged vs 05-2025
07-2025: 3.1%● unchanged vs 06-2025
08-2025: 3.3%▲ +0.2 percentage points vs 07-2025
09-2025: 3.3%● unchanged vs 08-2025
10-2025: 3.2%▼ -0.1 percentage points vs 09-2025
11-2025: 3.2%● unchanged vs 10-2025
12-2025: 3.4%▲ +0.2 percentage points vs 11-2025
01-2026: 3.6%▲ +0.2 percentage points vs 12-2025
02-2026: 3.7%▲ +0.1 percentage points vs 01-2026
03-2026: 3.6%▼ -0.1 percentage points vs 02-2026
04-2026: 3.2%▼ -0.4 percentage points vs 03-2026
05-2026: 3.2%● unchanged vs 04-2026
06-2026: 3.2%● unchanged vs 05-2026
07-2026: 3.2%● unchanged vs 06-2026
08-2026: 3.2%● unchanged vs 07-2026
09-2026: 3.2%● unchanged vs 08-2026
10-2026: 3.2%● unchanged vs 09-2026
11-2026: 3.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €25,692
lowers risk
Figures for financial year 2025 (filed on 23-03-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 42% of them on solvency, 55% on liquidity, 69% on profitability and 83% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as DBB CONCEPT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DBB CONCEPT itself is higher: 3.2% within 12 months. It rests on far more data about DBB CONCEPT than the profile alone.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 39,278 companies, not a prediction for DBB CONCEPT. 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.
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises riskneutral
neutral · 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 filingsDeviation from the deadline
2025
43 days early
2024
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 32 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1003900510
First establishment
Fossebaan 121B, Ternat
Incorporation
Founding capital of €3,000, 100 shares · Founder: DE BEL Brandon Michel (comparant) · Appointment: DE BEL Brandon Michel (director) · published on 28-12-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DBB CONCEPT Ternat | €25,692 | €13,219 | 34.6% | - |
| T&D Renovatie Sint-Pieters-Leeuw | €25,362 | €12,312 | 40.3% | - |
| HOST BUILD Boortmeerbeek | €25,752 | €14,851 | 54.7% | - |
| HOUSE VIP Renovation Affligem | €30,344 | €13,899 | 46.1% | - |
| DPM RENOVATION Zaventem | €23,437 | €11,484 | 70.3% | - |
| NIXAM Asse | €25,109 | €16,480 | 49.2% | - |
| DRETO Tervuren | €29,764 | €13,839 | 68.7% | - |
These companies have the same main activity as DBB CONCEPT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €23,400 and €30,300, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 26-12-2023Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.353.523.9651741 Ternat, since 01-01-2024
- Financial year end
- 30 September
- Peppol
- Reachable since 10-02-2026
Annual accounts to 30-09-2025
- €13,219▲ 31.0%
- €3,410▲ 37.1%
- €8,898▲ 62.1%
- €25,692▼ 4.3%
- Filing
- Filed on 18-03-2026, 43 days before the end of the filing period
Insights on DBB CONCEPT
The computed 12-month bankruptcy probability of DBB CONCEPT is 3.2% (moderate). The 2025 annual accounts show equity of €8,898 and a net result of €3,410.
Its solvency ranks better than 41% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 18-03-2026, 43 days before the deadline€13,219
▲ 31.0%
€5,182
▲ 21.1%
€3,410
▲ 37.1%
€10,181
▲ 165%
34.6%
▲ 14.2 percentage points
2.71
▲ 1.09
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €160,000. Estimated: probably between €82,000 and €290,000.
Balance sheet
balance sheet total €25,692 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
34.6%
Higher than 41% of 9,462 companies in 2025.
2.71
Higher than 71% of 9,210 companies in 2025.
13.3%
Higher than 64% of 9,282 companies in 2025.
DBB CONCEPT
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
25,692 | 26,838 | |
21/28 |
9,559 | 16,831 | |
22/27 |
9,559 | 16,831 | |
24 |
9,559 | 16,831 | |
29/58 |
16,132 | 10,007 | |
40/41 |
14,067 | 6,818 | |
40 |
6,520 | 5,550 | |
41 |
7,547 | 1,268 | |
54/58 |
2,066 | 3,189 | |
| Balance sheet: equity and liabilities | |||
10/49 |
25,692 | 26,838 | |
10/15 |
8,898 | 5,488 | |
10/11 |
3,000 | 3,000 | |
14 |
5,898 | 2,488 | |
17/49 |
16,794 | 21,350 | |
17 |
10,842 | 15,187 | |
170/4 |
10,842 | 15,187 | |
42/48 |
5,952 | 6,163 | |
42 |
4,345 | 4,174 | |
44 |
539 | 871 | |
440/4 |
539 | 871 | |
45 |
1,068 | 829 | |
450/3 |
1,068 | 829 | |
47/48 |
- | 288 | |
| Income statement | |||
9900 |
13,219 | 10,087 | |
630 |
7,272 | 4,987 | |
640/8 |
765 | 820 | |
9901 |
5,182 | 4,280 | |
75/76B |
201 | 1 | |
75 |
201 | 1 | |
65/66B |
906 | 964 | |
65 |
906 | 964 | |
9903 |
4,478 | 3,317 | |
67/77 |
1,068 | 829 | |
9904 |
3,410 | 2,488 | |
9905 |
3,410 | 2,488 | |
| Appropriation of the result | |||
9906 |
5,898 | 2,488 | |
14P |
2,488 | - | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 18-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 12,454 | 9,267 | ||
| 10,682 | 7,475 | ||
| 0 | 21,818 | ||
| -1,123 | - | ||
| 10,181 | 3,844 | ||
| 34.6% | 20.4% | ||
| 2.71 | 1.62 | ||
| 1.89 | 3.89 | ||
| 38.3% | 45.3% | ||
| 13.3% | 9.3% | ||
| 13.75 | 9.61 |
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.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 |
|---|---|---|
| Tangible fixed assets | - | €21,818 |
| €7,272 | €4,987 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on DBB CONCEPT
The operating result for 2025 is 21% higher than in 2024.
Debt's share of the balance-sheet total falls from 79.6% to 65.4%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayDE BEL Brandon Michel
Director
Director
Board
Mandates as a list
- DE BEL Brandon Michel
- Director, appointed by deed of 28-12-2023, still in office
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €88.98 in 2025
- Source
- deed of 28-12-2023
Articles of association
deed of 28-12-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Op algemene kosten los van eventuele representatie- reis- en verplaatsingskosten, algemene vergadering beslist of mandaat al dan niet ten…”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Tegen weigering geen beroep op rechter open, alle procedure- en expertisekosten voor helft ten laste overdrager en andere helft ten laste…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of March
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 28-12-2023 ↗
- DE BEL Brandon Michel 100 shares (100%) · €3,000 in cash
Network & group
No group
DBB CONCEPT has no parent and no holdings in its annual accounts. DE BEL Brandon Michel is the only director. DBB CONCEPT shares no director with another company.
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 43 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1003900510
2025
Annual accounts 2024 filed PDFmicro format · 20 days before the deadline
2024
First establishment Fossebaan 121B, Ternat
2023
IncorporationFounding capital of €3,000, 100 shares · Founder: DE BEL Brandon Michel (comparant) · Appointment: DE BEL Brandon Michel (director) · published on 28-12-20234 points ▸
- Founder, DE BEL Brandon Michel (comparant)
- Founding capital, €3,000, 100 shares
- Registered office clause, Fossebaan 121B, 1741 Wambeek
- Director appointment, DE BEL Brandon Michel
- The deed holds 5 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
DBB CONCEPT was incorporated on 26 December 2023 as a private limited company by one natural person, with a starting capital of €3,000.12 DE BEL Brandon Michel is director of the company, appointed by deed of 28-12-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1003.900.510
- VAT number
- BE 1003.900.510
- Peppol ID
- 0208:1003900510
- Other Peppol ID
- 9925:BE1003900510
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-12-2023
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of Marchdeed of 28-12-2023 (in Dutch)
- Peppol
- Reachable since 10-02-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DBB CONCEPT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-12-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 28-12-2023 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43341
Painting of buildings
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43341
Painting of buildings
43390
Specialised construction activities
43995
Specialised construction activities
43999
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Sport- en creatieve activiteiten; Kopen en verkopen van paarden; Ondersteunende activiteiten in verband met de veeteelt; Reiniging en…”deed of 28-12-2023 (in Dutch)
12 activities
- Sport- en creatieve activiteiten;
- Kopen en verkopen van paarden;
- Ondersteunende activiteiten in verband met de veeteelt;
- Reiniging en onderhoud van professionele of privégebouwen,ramen en kantoren reinigen;
- Kantoorwerk,secretariaatswerk en administratief werk;
- Kantoorondersteuning,advies;
- Vervoer van goederen en personen;
- Detailhandel in motorvoertuigen voor personenvervoer,met inbegrip van gespecialiseerde motorvoertuigen (ambulances);
- Huishoudelijke diensten in het dienstenchequesysteem (huis schoonmaken,wassen,strijken,klein naaien,maaltijdbereiding,boodschappen doen);
- Het maken van meubels;
- Kinderopvang;
- Computerwetenschappen in het algemeen: de ontwikkeling en het ontwerp van software,de verkoop en aankoop van computer- en kantoorapparatuur,evenals kantoorbenodigdheden,de studie van computerprojecten in brede zin,en alles dat direct of indirect verbonden is aan IT,consultancy,training,marketing van diensten en producten,hardware- en softwareonderhoud.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Fossebaan 121B registered office 1741 Ternat | 01-01-2024 | 2.353.523.965 |
Buildings and parcels at the address
- Ground area
- 2,143 m²
- Buildings
- 49 m²
- Volume, LiDAR
- 766 m³
- Tallest building
- 29.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23091C0704/00B000 | 2,143 m² | 1 · 48 m² | 29.8 m · 5 |
Invoicing and payment
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 1003.900.510