DDG Construct
ActiveSummary
The computed 12-month bankruptcy probability of DDG Construct is 7.8% (elevated). The 2025 annual accounts show negative equity (-€19,064) and a net result of -€60,312. Its solvency ranks better than 10% of 9,348 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.
Overview
- Staff
- 1.2 FTE
- Equity
- -€19,064
- Loss
- -€60,312
Why 31raises riskSector: Construction of residential and non-residential buildings (NACE 41)Liquidity: current ratio 0.771 change of registered office in 24 monthsFounded in 2023Show the evidence
Checked score
About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 10% on solvency, 1% on liquidity, 5% on profitability and 3% on growth.
The bankruptcy probability was computed on 28-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 2 accounts on average 55 days before the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Registered officeRegistered-office move
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2024 to 2025, 2 financial years
The operating result turns negative in 2025: a loss of €56,586 after €49,713 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 41, Construction of residential and non-residential buildings: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 7,639 companies that looked in July 2024 the way this one looks now, 8.8% went bankrupt within 24 months and 84.9% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 7.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €27,563 | €46,699 | ▲ 69.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27,519 | €26,423 | ▼ 4.0% |
| Other operating charges640/8 | €1,706 | €1,252 | ▼ 26.6% |
| Gross operating margin9900 | €106,501 | €17,788 | ▼ 83.3% |
| Operating profit (loss)9901 | €49,713 | -€56,586 | - |
| Financial income75/76B | €0 | €2 | ▲ 13× |
| Recurring financial income75 | €0 | €2 | ▲ 13× |
| Financial charges65/66B | €1,828 | €3,348 | ▲ 83.2% |
| Recurring financial charges65 | €1,828 | €3,348 | ▲ 83.2% |
| Profit (loss) for the period before taxes9903 | €47,884 | -€59,933 | - |
| Income taxes67/77 | €9,637 | €379 | ▼ 96.1% |
| Profit (loss) for the period9904 | €38,248 | -€60,312 | - |
| Profit (loss) for the period to be appropriated9905 | €38,248 | -€60,312 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €134,793 | €305,706 | ▲ 127% |
| Fixed assets21/28 | €86,942 | €79,090 | ▼ 9.0% |
| Intangible fixed assets21 | €44,942 | €32,942 | ▼ 26.7% |
| Tangible fixed assets22/27 | €41,999 | €46,148 | ▲ 9.9% |
| Plant, machinery and equipment23 | €8,894 | €4,762 | ▼ 46.5% |
| Furniture and vehicles24 | €33,106 | €41,386 | ▲ 25.0% |
| Current assets29/58 | €47,852 | €226,615 | ▲ 374% |
| Stocks and contracts in progress3 | - | €107,757 | - |
| Stocks30/36 | - | €107,757 | - |
| Amounts receivable within one year40/41 | €47,297 | €114,910 | ▲ 143% |
| Trade receivables40 | €38,239 | €96,607 | ▲ 153% |
| Other amounts receivable41 | €9,058 | €18,302 | ▲ 102% |
| Deferred charges and accrued income490/1 | €555 | €3,949 | ▲ 612% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €134,793 | €305,706 | ▲ 127% |
| Equity10/15 | €41,248 | -€19,064 | - |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €38,248 | -€22,064 | - |
| Amounts payable17/49 | €93,546 | €324,770 | ▲ 247% |
| Amounts payable after more than one year17 | €18,580 | €28,662 | ▲ 54.3% |
| Financial debts170/4 | €18,580 | €28,662 | ▲ 54.3% |
| Amounts payable within one year42/48 | €74,965 | €295,987 | ▲ 295% |
| Current portion of amounts payable after more than one year42 | €5,391 | €9,666 | ▲ 79.3% |
| Financial debts43 | €17,665 | €68,112 | ▲ 286% |
| Credit institutions430/8 | €17,665 | €68,112 | ▲ 286% |
| Trade debts44 | €32,388 | €163,001 | ▲ 403% |
| Suppliers440/4 | €32,388 | €163,001 | ▲ 403% |
| Taxes, remuneration and social security45 | €18,579 | €14,560 | ▼ 21.6% |
| Taxes450/3 | €12,812 | €11,606 | ▼ 9.4% |
| Remuneration and social security454/9 | €5,767 | €2,954 | ▼ 48.8% |
| Other amounts payable47/48 | €942 | €40,649 | ▲ 43× |
| Accrued charges and deferred income492/3 | - | €122 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €38,248 | -€60,312 | - |
| + Depreciation and write-downs630 | €27,519 | €26,423 | ▼ 4.0% |
| Operating cash flow (approximation) | €65,767 | -€33,889 | - |
| Investment in fixed assets (approximation) | - | -€18,572 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 05-06-2026 | 2026-00139513 |
| 31-12-2024 | micro format | 08-06-2025 | 2025-00125471 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| DI GENOVA Domenico |
|
| HOUGARDY Véronique |
|
Owners and capital
Capital and shareholders
- DI GENOVA Domenico to HOUGARDY Patricia 40 shares · 40%
- HOUGARDY Véronique associés non actifs
- DI GENOVA Domenico to HOUGARDY Patricia 10 shares · 10%
- DI GENOVA Domenico 100 shares (100%) · €3,000 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 08-11-2023 Incorporation · €3,000 · 100 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
30-10
Gazette deed
Registered officeRegistered-office move2 facts ▸
- General meeting, 12-09-2025
- Registered-office move, Rue de Bruxelles 105B 4340 Awans
05-02
Gazette deed
Appointment: HOUGARDY Véronique (administratrice gérante)Share transfer3 facts ▸
- Share transfer, DI GENOVA Domenico → HOUGARDY Patricia
- Director appointment, HOUGARDY Véronique (administratrice gérante)
- General meeting, “assemblée générale extraordinaire”, 03-01-2024 (deed in French)
14-12
Gazette deed
Capital & shares · Resignations & appointmentsRegistered office clause · Share transfer · Partner4 facts ▸
- Registered office clause, “Rue Neuve, 25-4460 GRACE-HOLLOGNE” (deed in French)
- Share transfer, DI GENOVA Domenico → HOUGARDY Patricia
- Partner, HOUGARDY Véronique (associés non actifs)
- General meeting, “accepte toutes ces décisions, assemblée générale extraordinaire” (deed in French)
08-11
Gazette deed
IncorporationAppointment: DI GENOVA Domenico (director) · Founder · Founding capital11 facts ▸
- Founder, DI GENOVA Domenico (fondateur,comparant)
- Other provision, “plan financier, remis au notaire soussigné avant constitution” (deed in French)
- Incorporation, “DDG Construct” (deed in French)
- Founding capital, €3,000
- Bank account, “BE13363235360739”, 3000 (deed in French)
- Other provision, “attestation dépôt”, 3000 (deed in French)
- Other provision, “arrêté des statuts, arrêtés comme suit” (deed in French)
- Registered office clause, “ddgconstruct@hotmail.com, 4460 Grâce-Hollogne,Rue Neuve 25” (deed in French)
- Board rule, 1
- Director appointment, DI GENOVA Domenico (director (not named in the articles))
- Pre-incorporation commitments, “takeover, engagements,obligations et activités au nom et pour compte de la société en formation” (deed in French)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
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, with enterprise number 1001.957.144
Recognitions · licences · registrations
Recognised contractor
1 category- D1 All shell construction and roofing-in of buildingsclass 1, up to €162,000
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62006A0616/00P000 | Wallonia | 1,012 m² | 1 · 89 m² | 7.1 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La gestion de la promotion de projet immobiliers ou projets de rénovation et transformation immobilière; La coordination de la gestion de…” (deed in French)
27 activities (deed in French)
- La gestion de la promotion de projet immobiliers ou projets de rénovation et transformation immobilière ;
- La coordination de la gestion de chantiers en travaux immobiliers ;
- L’installation de chauffage central ;
- L’entreprise de plafonnage-cimenterie ; pose de cloisons gyproc ; revêtement de murs et de sols ;
- L’entreprise de maçonnerie et de béton,coffrage,ferraillage,etc… ;
- L’entreprise de carrelage ; pose de chape ;
- L’entreprise de peinture et de tapisserie ;
- L’installation électrique ;
- L’entreprise de vitrage ;
- L’installation sanitaire et de plomberie ;
- L’entreprise de zinguerie et de couverture métallique de construction ;
- L’entreprise de couverture non métallique de constructions ;
- L’entreprise d’étanchéité de constructions ;
- L’entreprise de travaux de démolition ;
- Travaux de terrassement ;
- L’entreprise de placement,de montage et démontage,d’entretien et de réparation d’enseignes lumineuses et publicitaires ;
- Tubage,ramonage de cheminée,démoussage de toit ;
- En général dont notamment le nettoyage de vitres,de chantiers,de bureaux,de bâtiments industriels et autres bâtiments.
- Le commerce de détail de tout matériel se rapportant à ces activités ;
- Tout commerce de marché ambulant ;
- Le transport national et international sous toutes ses formes et par tous moyens,de toutes marchandises et produits dont la charge nette n’excède pas cinq cents kilos ;
- Service de taxi,location de véhicules automoteurs avec chauffeurs ;
- L’activité de nettoyage industriel,privé,tel que le nettoyage de bureau,maisons,usines et en général de tout bien immeuble et de toute installation industrielle ;
- La négociation,la commission,la représentation commerciale ;
- Intermédiaire commercial ;
- Affaires immobilières,achats/ventes d’immobilier,location d’immobilier pour son compte propre uniquement ;
- Achat,vente,importation,exportation de véhicules automobiles ou utilitaire ; import – export.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- DDG Construct
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, Article 2. Siège” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 13. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation, un ou plusieurs administrateurs” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, usufruitier et nu-propriétaire inscrits séparément avec droits respectifs” (deed in French)“Nominatifs, usufruitier et nu-propriétaire inscrits séparément avec droits respectifs” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Article 7. Apport en numéraire avec émission de nouvelles actions – Droit de préférence, si nu-propriétaire ne s’en prévaut…” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of May at 18:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Modifications aux statuts, assemblée générale” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed