DBM CONCEPT
ActiveThe computed 12-month bankruptcy probability of DBM CONCEPT is 2.2% (moderate). The 2024 annual accounts show equity of €90k and a net result of €-17k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 19347 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-69
Solvency52▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity ample (current ratio 1.5 against 1.5 in 2023), but 73.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.6%
Return on assets
-5.1%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
7 d early
2022
25 d late
2021
82 d late
2020
30 d late
2019
35 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€90k▼ 16.2%
2023 · €107k
2018: €35k
2019: €41k
2020: €44k
2021: €89k
2022: €93k
2023: €107k
2018 → 2024
Total assets
€338k▼ 18.4%
2023 · €414k
2018: €351k
2019: €336k
2020: €464k
2021: €344k
2022: €268k
2023: €414k
2018 → 2024
Net result
€-17k
2023 · €15k
2018: €21k
2019: €6k
2020: €3k
2021: €85k
2022: €4k
2023: €15k
2018 → 2024
Working capital
€112k▼ 18.5%
2023 · €137k
2018: €14k
2019: €-27k
2020: €-31k
2021: €127k
2022: €126k
2023: €137k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€44k-€89k▲ 102%€93k▲ 4.4%€107k▲ 16.0%€90k▼ 16.2%
Operating result€9k-€132k▲ 1,295%€8k▼ 93.8%€26k▲ 211%€-10k
Net result€3k-€85k▲ 2,867%€4k▼ 95.4%€15k▲ 279%€-17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €26k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €338k
Fixed assets
€3k▲ 70.3%
Current assets
€335k▼ 18.8%
Equity and liabilities €338k
Equity
€90k▼ 16.2%
Debt
€248k▼ 19.2%
The debt ratio falls from 74.1% to 73.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-8k▼
2023 · €29k
Cash flow
€-16k▼
2023 · €18k
Solvency
26.6%▲
2023 · 25.9%
Current ratio
1.50▲
2023 · 1.50
Quick ratio
1.50▲
2023 · 1.39
Debt / equity
2.75▼
2023 · 2.86
ROE
-19.3%▼
2023 · 13.8%
ROA
-5.1%▼
2023 · 3.6%
Interest coverage
-1.00▼
2023 · 5.39
Debt
€248k▼
2023 · €307k
Debt ≤ 1 year
€223k▼
2023 · €275k
Debt > 1 year
€25k▼
2023 · €31k
Income taxes
€399▼
2023 · €6k
Staff costs
€46k▲
2023 · €38k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€414k€338k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€1k€3k▲
Furniture and vehicles24€1k€3k▲
Financial fixed assets28€190€190=
Current assets29/58€412k€335k▼
Stocks and contracts in progress3€31k-
Stocks30/36€31k-
Amounts receivable within one year40/41€377k€292k▼
Trade receivables40€370k€286k▼
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€3k€20k▲
Deferred charges and accrued income490/1€2k€23k▲
Equity and liabilities
Total equity and liabilities10/49€414k€338k▼
Equity10/15€107k€90k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€99k€82k▼
Amounts payable17/49€307k€248k▼
Amounts payable after more than one year17€31k€25k▼
Financial debts170/4€31k€25k▼
Amounts payable within one year42/48€275k€223k▼
Trade debts44€159k€46k▼
Suppliers440/4€159k€46k▼
Taxes, remuneration and social security45€31k€116k▲
Taxes450/3€17k€87k▲
Remuneration and social security454/9€13k€30k▲
Other amounts payable47/48€86k€61k▼
Income statement
Code20232024
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€38k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€67k€41k▼
Operating profit (loss)9901€26k€-10k▼
Financial income75/76B€212€797▲
Recurring financial income75€212€797▲
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€21k€-17k▼
Income taxes67/77€6k€399▼
Profit (loss) for the period9904€15k€-17k▼
Profit (loss) for the period to be appropriated9905€15k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€82k▼
Profit (loss) brought forward from the previous period14P€84k€99k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €-17k ▼218%
Net result drops to €-17k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €107k ▲16%
6 profitable years in a row build equity to €107k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 82 days late
2021
31-12
Financial
Highest result since 2018net €85k ▲2867%
Operating result €132k, net result €85k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Jans-Molenbeek · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hoogboschstraat 1331080 Sint-Jans-MolenbeekGround area
127 m²
Building footprint
116 m²
Volume, LiDAR
1,237 m³
Parcel 21524C0157/00C006, Brussels · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DBM CONCEPT
since 20152.245.680.157
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21524C0157/00C006 | Brussels | 127 m² | 1 · 116 m² | 13.2 m · 4 fl. |
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
BESS-CO
BE 0677.957.348
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EMA BUILDING
BE 0790.220.891
Ukkel · Eq €90k
ATLAS BF
BE 0875.849.919
Essen · Eq €90k
ALFAZ
BE 0690.618.125
Heist-op-den-Berg · Eq €90k
JL Réalisations
BE 0778.501.214
Hannut · Eq €90k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-06-2015
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.