Equity
€207,420 ▲ 41.0%
Equity rose in 2025 from €147,076 to €207,420.
DBcom
Overview
Lifetime
3 annual accounts with figures on one time axispeak €116,642 (2023)
€105,072▲ 7.5%
peak €82,329 (2023)
€60,343▼ 3.1%
peak €207,420 (2025)
€207,420▲ 41.0%
€67,304▼ 7.4%
Board1 name since 2022
1 directorDE BACKER Stefan
Documentsfilings and deeds
04-07-202627 days before the deadline
2025micro format
Equity from €147,076 to €207,420
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 75% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Liquidity: current ratio 2.91, cash €74,231
Equity €207,420 (75.5% of total assets)
Figures for financial year 2025 (filed on 04-07-2026)
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 71, micro). It does better than 87% of them on solvency, 63% on liquidity, 72% on profitability and 79% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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 DBcom 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 DBcom itself is lower: < 0.1% within 12 months. It rests on far more data about DBcom 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 DBcom. 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 verdict
Credit of up to €20,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.91 (1.92 in 2024), above the usual 1.5. Short-term debt is 24.4% and cash 27% of total assets. 24.5% of the assets are financed with debt and provisions.
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
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 04-07-2026, 27 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
27 days early
2024
31 days early
2023
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 29 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0793640340
Incorporation
Founding capital of €2,500, 100 shares · Founder: DE BACKER Stefan · Appointment: DE BACKER Stefan (director) · published on 18-11-2022 · Gazette deed
First establishment
Weg naar As 181, Oudsbergen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DBcom Oudsbergen | €274,723 | €105,072 | 75.5% | - |
| Kaizen Project Management Oudsbergen | €252,756 | €118,111 | 77.5% | - |
| GEERT ROOSEN Bree | €266,432 | €111,019 | 57.2% | - |
| IPEMS Leuven | €287,968 | €104,873 | 79.7% | - |
| Pharo Consulting Antwerp | €267,067 | €100,607 | 82.8% | - |
| B.I.L.D. Consulting Diest | €290,518 | €109,068 | 73.2% | - |
| Lightbold Zaventem | €292,542 | €102,386 | 87.9% | - |
These companies have the same main activity as DBcom: engineering and related technical consultancy, excluding land surveyors (NACE 71121). They are comparable in size and age: total assets between €253,000 and €293,000, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 16-11-2022Normal situation
- Activity
- Engineering and related technical consultancy, excluding land surveyorsNACE 71121and 1 other
- Establishment unit
- 2.338.204.3013660 Oudsbergen, since 16-11-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Annual accounts 2025
- €105,072▲ 7.5%
- €60,343▼ 3.1%
- €207,420▲ 41.0%
- €274,723▲ 25.0%
- Filing
- Filed on 04-07-2026, 27 days before the end of the filing period
Insights on DBcom
DBcom files the micro format. That format states no turnover. The gross margin fell from €116,642 in 2023 to €105,072 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 04-07-2026, 27 days before the deadline€105,072
▲ 7.5%
€82,296
▼ 2.1%
€60,343
▼ 3.1%
€127,660
▲ 91.3%
75.5%
▲ 8.6 percentage points
2.91
▲ 0.99
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 ≈ €210,000. Estimated: probably between €160,000 and €270,000.
Balance sheet
balance sheet total €274,723 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
75.5%
Higher than 74% of 11,794 companies in 2025.
2.91
Higher than 63% of 11,521 companies in 2025.
22.0%
Higher than 68% of 11,605 companies in 2025.
DBcom
Middle half of the sector
80% of the sector
Micro accounts in architecture and engineering (NACE 71)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
274,723 | 219,776 | 135,642 | |
21/28 |
80,052 | 80,327 | 6,264 | |
22/27 |
77,552 | 80,327 | 6,264 | |
22 |
11,715 | - | - | |
23 |
1,102 | 1,377 | - | |
24 |
62,190 | 78,950 | 6,264 | |
26 |
2,546 | - | - | |
28 |
2,500 | - | - | |
29/58 |
194,672 | 139,449 | 129,379 | |
40/41 |
15,766 | 16,921 | 14,324 | |
40 |
15,766 | 16,891 | 14,324 | |
41 |
- | 30 | - | |
50/53 |
103,565 | 60,509 | 101,778 | |
54/58 |
74,231 | 60,961 | 13,153 | |
490/1 |
1,109 | 1,058 | 124 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
274,723 | 219,776 | 135,642 | |
10/15 |
207,420 | 147,076 | 84,829 | |
10/11 |
2,500 | 2,500 | 2,500 | |
13 |
204,920 | 144,576 | 82,329 | |
133 |
204,920 | 144,576 | 82,329 | |
17/49 |
67,304 | 72,700 | 50,813 | |
42/48 |
67,011 | 72,700 | 50,813 | |
44 |
214 | 1,860 | 3,629 | |
440/4 |
214 | 1,860 | 3,629 | |
45 |
60,733 | 68,645 | 46,301 | |
450/3 |
57,233 | 67,145 | 42,371 | |
454/9 |
3,500 | 1,500 | 3,930 | |
47/48 |
6,065 | 2,194 | 883 | |
492/3 |
292 | - | - | |
| Income statement | ||||
9900 |
105,072 | 97,740 | 116,642 | |
630 |
21,910 | 12,404 | 1,744 | |
640/8 |
867 | 1,288 | 944 | |
9901 |
82,296 | 84,048 | 113,954 | |
75/76B |
1,503 | 2,406 | 651 | |
75 |
1,503 | 2,406 | 651 | |
65/66B |
393 | 39 | 38 | |
65 |
393 | 39 | 38 | |
9903 |
83,406 | 86,415 | 114,568 | |
67/77 |
23,063 | 24,168 | 32,238 | |
9904 |
60,343 | 62,247 | 82,329 | |
9905 |
60,343 | 62,247 | 82,329 | |
| Appropriation of the result | ||||
9906 |
60,343 | 62,247 | 82,329 | |
691/2 |
60,343 | 62,247 | 82,329 | |
6921 |
60,343 | 62,247 | 82,329 | |
| 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 04-07-2026.
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 | 2023 |
|---|---|---|---|---|
| 104,205 | 96,452 | 115,698 | ||
| 82,253 | 74,651 | 84,073 | ||
| 21,634 | 86,467 | 6,800 | ||
| 13,270 | 47,808 | - | ||
| 127,660 | 66,749 | 78,566 | ||
| 75.5% | 66.9% | 62.5% | ||
| 2.91 | 1.92 | 2.55 | ||
| 0.32 | 0.49 | 0.60 | ||
| 29.1% | 42.3% | 97.1% | ||
| 22.0% | 28.3% | 60.7% | ||
| over 100 | over 100 | over 100 |
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 | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €19,134 | €86,467 | €6,800 |
| Financial fixed assets | €2,500 | - | - |
| €21,910 | €12,404 | €1,744 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on DBcom
The operating result for 2025 is 2% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Debt's share of the balance-sheet total falls from 33.1% to 24.5%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 15-11-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 04-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Elke bestuurder vertegenwoordigt individueel de vennootschap jegens derden, met inbegrip van de vertegenwoordiging in rechte. Algemene…”deed of 18-11-2022
Mandates through the years
1 name, the dashed line is todayDE BACKER Stefan
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DE BACKER Stefan
- Director (not named in the articles), from 15-11-2022 to date
Control
Capital
- Contribution
- €2,500
- Shares
- 100
- Contribution per share
- €25
- Equity per share
- €2,074 in 2025
- Source
- deed of 18-11-2022
Articles of association
deed of 18-11-2022 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 20:00
Shareholders
At incorporation
deed of 18-11-2022 ↗
- DE BACKER Stefan 100 shares (100%) · €2,500
Network & group
No group
DBcom has no parent and no holdings in its annual accounts. DE BACKER Stefan is the only director. DBcom shares no director with another company.
At the same address
Weg naar As 181, 3660 Oudsbergen · 2 other companies| VEERLE THANS CONSULTING
registered office since 18-05-2010 · founded in 2010 |
total assets €316,817 (2025) 0825.973.113 |
| Thans, Veerle (sole trader)
establishment since 01-07-2009 |
founded in 2009 0812.282.651 |
Timeline
Timeline
8 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 27 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0793640340
2025
Equity above €200,000 equity €207,420 ▲41% With a profit in every financial year since 2023, equity grows to €207,420.
Annual accounts 2024 filed PDFmicro format · 31 days before the deadline
2024
Equity above €100,000 equity €147,076 ▲73.4% With a profit in every financial year since 2023, equity grows to €147,076.
Annual accounts 2023 filed PDFmicro format · 30 days before the deadline
2022
IncorporationFounding capital of €2,500, 100 shares · Founder: DE BACKER Stefan · Appointment: DE BACKER Stefan (director) · published on 18-11-20225 points ▸
- Registered office clause, Weg naar As 181, 3660 Oudsbergen
- Director appointment, DE BACKER Stefan (director (not named in the articles))
- Founder, DE BACKER Stefan
- Founding capital, €2,500, 100 shares
- Capital, €2,500, 100 shares
- The deed holds 3 more points.
First establishment Weg naar As 181, Oudsbergen
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 16 November 2022, DBcom was incorporated as a private limited company by one natural person, with a starting capital of €2,500.12 DE BACKER Stefan has served as director since 2022.3 Total assets went from €135,642 in 2023 to €274,723 in 2025.4
Company details
Identity
- Enterprise number
- 0793.640.340
- VAT number
- BE 0793.640.340
- Peppol ID
- 0208:0793640340
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 16-11-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 20:00deed of 18-11-2022 (in Dutch)
- Peppol
- Reachable since 07-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DBcom in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 18-11-2022 (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 18-11-2022 (in Dutch)
Activities
NACEBEL 202571121
Engineering and related technical consultancy, excluding land surveyors main activity
Codes under NACEBEL 2008
71121
Engineering activities main activity
70220
Business consulting
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verstrekken van diensten m.b.t. managementadvies, financieel advies, administratief advies, informaticaverwerkingsadvies, technisch…”deed of 18-11-2022 (in Dutch)
16 activities
- Het verstrekken van diensten m.b.t. managementadvies, financieel advies, administratief advies, informaticaverwerkingsadvies, technisch advies, consultancy, bedrijfsorganisatie, bedrijfsbeheer, coaching, engineering
- Reparatie en installatie van machines en apparaten
- Elektrische installatiewerken aan gebouwen, installatie van verwarming en klimaatregeling, brandbeveiliging en overige bouwwerkzaamheden
- Landschapsverzorging
- Handelsbemiddeling, groothandel, kleinhandel, verhuur en lease van machines, apparaten en andere goederen zonder beperking; detailhandel via postorderbedrijven of via internet
- Het geven van opleidingen en seminaries
- De verwerving , de vervreemding, het beheer, de uitbating, de valorisatie, het huren en verhuren, de ordening, de verkaveling, het doen bouwen of verbouwen, de procuratie Tussenhandelaar, de makelarij en/of de handel in onroerende goederen, dit in de ruimste zin van het woord, met inbegrip van de onroerende leasing
- Het optreden als tussenpersoon bij onderhandelingen bij gehele of gedeeltelijke overname van aandelen, dit in de ruimste zin van het woord.
- Het verwezenlijken van om het even welke verrichtingen inzake portefeuille en kapitaalbeheer
- Het bevorderen van de oprichting van vennootschappen door inbreng, participatie en kapitaalbeheer.
- Het besturen, begeleiden en adviseren van ondernemingen en vennootschappen.
- Het toestaan van leningen, zich borgstellen en onroerende goederen in pand geven of hypothekeren voor verbintenissen door derde personen of vennootschappen en ondernemingen aangegaan.
- Het verstrekken van inlichtingen en adviezen verbandhoudende met belegging, het beheer, de mobiliën en immobiliën van vermogen voor rekening van derden, dit in de ruimste zin van het woord.
- Alle handelingen stellen met het oog op de belegging van vermogens, zowel roerende als onroerende.
- Groot-en kleinhandel, in- en uitvoer, aan- en verkoop van diensten en goederen zonder beperking van aard.
- Engineering en adviesverlening aan diverse klanten in diverse sectoren, gaande van studiebureaus in de bouwsector en industrie.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Weg naar As 181 registered office 3660 Oudsbergen | 16-11-2022 | 2.338.204.301 |
Buildings and parcels at the address
- Ground area
- 5,088 m²
- Buildings
- 228 m²
- Volume, LiDAR
- 3,137 m³
- Tallest building
- 18.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 71047A1367/00W002 | 5,088 m² | 1 · 228 m² | 18.7 m · 5 |