DCS HAARDEN
ActiveThe computed 12-month bankruptcy probability of DCS HAARDEN is 3.3% (moderate). The annual accounts of DCS HAARDEN for fiscal year 2024 show a net loss of 69% of the equity at the start of that year. The 2024 annual accounts show equity of €23k and a net result of €-50k. Equity is shrinking by ~31.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 14% of 36375 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-73
Solvency34▼-12
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.15 against 2.55 in 2023; short-term debt: 34.1% and cash: 30.9% of total assets), but 90.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
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
9.3%
Return on assets
-20.4%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
35 d early
2022
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€23k▼ 68.7%
2023 · €73k
2022: €61k
2023: €73k
2022 → 2024
Total assets
€246k▼ 29.9%
2023 · €351k
2022: €258k
2023: €351k
2022 → 2024
Net result
€-50k
2023 · €12k
2022: €41k
2023: €12k
2022 → 2024
Working capital
€96k▼ 36.1%
2023 · €151k
2022: €36k
2023: €151k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€61k-€73k▲ 19.8%€23k▼ 68.7%
Operating result€53k-€20k▼ 63.0%€-45k
Net result€41k-€12k▼ 70.5%€-50k
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 €45k after €20k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €246k
Fixed assets
€66k▼ 36.1%
Current assets
€180k▼ 27.3%
Equity and liabilities €246k
Equity
€23k▼ 68.7%
Debt
€223k▼ 19.7%
The debt ratio rises from 79.2% to 90.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▼
2023 · €55k
Cash flow
€-15k▼
2023 · €47k
Solvency
9.3%▼
2023 · 20.8%
Current ratio
2.15▼
2023 · 2.55
Quick ratio
1.71▼
2023 · 2.01
Debt / equity
9.79▲
2023 · 3.81
ROE
-219.8%▼
2023 · 16.5%
ROA
-20.4%▼
2023 · 3.4%
Interest coverage
-1.99▼
2023 · 11.85
Debt
€223k▼
2023 · €278k
Debt ≤ 1 year
€84k▼
2023 · €97k
Debt > 1 year
€79k▼
2023 · €118k
Staff costs
€194k▲
2023 · €185k
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€351k€246k▼
Fixed assets21/28€103k€66k▼
Intangible fixed assets21€57k€37k▼
Tangible fixed assets22/27€47k€29k▼
Land and buildings22€40k€29k▼
Furniture and vehicles24€6k-
Current assets29/58€248k€180k▼
Stocks and contracts in progress3€53k€37k▼
Stocks30/36€53k€37k▼
Amounts receivable within one year40/41€30k€33k▲
Trade receivables40€18k€28k▲
Other amounts receivable41€12k€5k▼
Cash at bank and in hand54/58€166k€76k▼
Deferred charges and accrued income490/1€38€34k▲
Equity and liabilities
Total equity and liabilities10/49€351k€246k▼
Equity10/15€73k€23k▼
Contributions10/11€20k€20k=
Reserves13€52k-
Distributable reserves133€52k-
Profit (loss) carried forward14€981€3k▲
Amounts payable17/49€278k€223k▼
Amounts payable after more than one year17€118k€79k▼
Financial debts170/4€118k€79k▼
Amounts payable within one year42/48€97k€84k▼
Current portion of amounts payable after more than one year42€39k€40k▲
Trade debts44€27k€22k▼
Suppliers440/4€27k€22k▼
Taxes, remuneration and social security45€31k€22k▼
Taxes450/3€21k€8k▼
Remuneration and social security454/9€10k€14k▲
Accrued charges and deferred income492/3€63k€61k▼
Income statement
Code20232024
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€185k€194k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€35k▲
Other operating charges640/8€964€1k▲
Gross operating margin9900€241k€185k▼
Operating profit (loss)9901€20k€-45k▼
Financial income75/76B€270€225▼
Recurring financial income75€270€225▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€15k€-50k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€12k€-50k▼
Profit (loss) for the period to be appropriated9905€12k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-49k▼
Profit (loss) brought forward from the previous period14P€916€981▲
Transfer from equity791/2-€52k
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-50k ▼516%
Net result drops to €-50k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Stekene · 1 establishment unit since 2021
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.
Zavelstraat(STE) 99190 StekeneGround area
3,912 m²
Building footprint
2,008 m²
Volume, LiDAR
10,357 m³
Parcel 46024A1435/00A000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DCS HAARDEN
since 20212.322.555.330
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A1435/00A000 | Flanders | 3,912 m² | 1 · 2,008 m² | 8.0 m · 2 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
Hens Constructs
BE 0450.832.640
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DELATROIS
BE 0785.307.050
Wavre · Eq €22k
STOCKER INDUSTRIE
BE 0430.092.456
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HOUSE MAID
BE 0833.789.927
Vorst · Eq €24k
Heirman Verwarming
BE 0771.680.332
Holsbeek · Eq €24k
Of 492 companies in sector 43223 we hold annual accounts for 112. 85 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2021
Fiscal year end31-12
Activities, NACEBEL
43223Specialised construction activities
43993Specialised construction activities
41001General construction of residential buildings
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.