DDM CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of DDM CONCEPT is 2.5% (moderate). The 2025 annual accounts show equity of €23k and a net result of €8k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 26% of 27965 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+1
Solvency50▲+5
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.86 against 1.61 in 2024; short-term debt: 74.9% of total assets), and 74.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.1%
Return on assets
8.3%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
26 d late
2023
5 d late
2022
12 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 12.9%
2024 · €26k
2022: €26k
2023: €26k▲ +1.3% vs 2022
2024: €26k▲ +1.2% vs 2023highest in 4 years
2025: €23k▼ -12.9% vs 2024lowest in 4 years
2022 → 2025
Total assets
€92k▼ 29.3%
2024 · €130k
2022: €55klowest in 4 years
2023: €162k▲ +197% vs 2022highest in 4 years
2024: €130k▼ -19.9% vs 2023
2025: €92k▼ -29.3% vs 2024
2022 → 2025
Net result
€8k▼ 18.0%
2024 · €9k
2022: €21khighest in 4 years
2023: €334▼ -98.4% vs 2022lowest in 4 years
2024: €9k▲ +2689% vs 2023
2025: €8k▼ -18.0% vs 2024
2022 → 2025
Working capital
€-9k
2024 · €33k
2022: €20k
2023: €15k▼ -22.6% vs 2022
2024: €33k▲ +116% vs 2023highest in 4 years
2025: €-9k▼ -129% vs 2024lowest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€26k-€26k▲ 1.3%€26k▲ 1.2%€23k▼ 12.9%
2022: €26k
2023: €26k▲ +1.3% vs 2022
2024: €26k▲ +1.2% vs 2023highest in 4 years
2025: €23k▼ -12.9% vs 2024lowest in 4 years
Operating result€30k-€2k▼ 93.8%€15k▲ 709%€14k▼ 8.7%
2022: €30khighest in 4 years
2023: €2k▼ -93.8% vs 2022lowest in 4 years
2024: €15k▲ +709% vs 2023
2025: €14k▼ -8.7% vs 2024
Net result€21k-€334▼ 98.4%€9k▲ 2,689%€8k▼ 18.0%
2022: €21khighest in 4 years
2023: €334▼ -98.4% vs 2022lowest in 4 years
2024: €9k▲ +2689% vs 2023
2025: €8k▼ -18.0% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€32k ▼ 25.7%
Current assets
€60k ▼ 31.1%
Equity and liabilities €92k
Equity
€23k ▼ 12.9%
Debt
€69k ▼ 33.5%
Debt's share of the balance-sheet total falls from 79.6% to 74.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €25k
Cash flow
€19k▼
2024 · €19k
Current ratio
0.86▼
2024 · 1.61
Debt to equity
2.99▼
2024 · 3.91
ROE
33.1%▼
2024 · 35.2%
ROA
8.3%▲
2024 · 7.2%
Interest coverage
6.88▼
2024 · 9.33
Debt ≤ 1 year
€69k▲
2024 · €54k
Debt > 1 year
€0▼
2024 · €11k
Income taxes
€3k▼
2024 · €3k
Staff costs
€71k▼
2024 · €93k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€130k€92k▼
Fixed assets21/28€44k€32k▼
Tangible fixed assets22/27€41k€30k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€35k€25k▼
Financial fixed assets28€3k€3k=
Current assets29/58€86k€60k▼
Amounts receivable within one year40/41€44k€59k▲
Trade receivables40€30k€41k▲
Other amounts receivable41€14k€18k▲
Cash at bank and in hand54/58€40k-
Deferred charges and accrued income490/1€3k€112▼
Equity and liabilities
Total equity and liabilities10/49€130k€92k▼
Equity10/15€26k€23k▼
Contributions10/11€5k€5k=
Reserves13€15k€15k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€6k€3k▼
Amounts payable17/49€104k€69k▼
Amounts payable after more than one year17€11k€0▼
Financial debts170/4€11k€0▼
Amounts payable within one year42/48€54k€69k▲
Current portion of amounts payable after more than one year42€14k€12k▼
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€31k€32k▲
Suppliers440/4€31k€32k▲
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3€39k-
Income statement
Code20242025
Remuneration, social security and pensions62€93k€71k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€542€1k▲
Non-recurring operating charges66A€37-
Gross operating margin9900€119k€98k▼
Operating profit (loss)9901€15k€14k▼
Financial income75/76B€3€18▲
Recurring financial income75€3€18▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€12k€10k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€9k€8k▼
Profit (loss) for the period to be appropriated9905€9k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€14k▼
Profit (loss) brought forward from the previous period14P€6k€6k▲
Profit to be distributed694/7€9k€11k▲
Return on contributions (dividend)694€9k€11k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €56k | €93k | €71k | ▼ 23.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €3k | €10k | €11k | ▲ 10.4% |
| Other operating charges640/8 | €1k | €957 | €542 | €1k | ▲ 161% |
| Non-recurring operating charges66A | - | - | €37 | - | - |
| Gross operating margin9900 | €33k | €62k | €119k | €98k | ▼ 18.1% |
| Operating profit (loss)9901 | €30k | €2k | €15k | €14k | ▼ 8.7% |
| Financial income75/76B | €0 | €129 | €3 | €18 | ▲ 498% |
| Recurring financial income75 | €0 | €129 | €3 | €18 | ▲ 498% |
| Financial charges65/66B | €311 | €878 | €3k | €4k | ▲ 34.2% |
| Recurring financial charges65 | €311 | €878 | €3k | €4k | ▲ 34.2% |
| Profit (loss) for the period before taxes9903 | €30k | €1k | €12k | €10k | ▼ 17.9% |
| Income taxes67/77 | €9k | €796 | €3k | €3k | ▼ 17.6% |
| Profit (loss) for the period9904 | €21k | €334 | €9k | €8k | ▼ 18.0% |
| Profit (loss) for the period to be appropriated9905 | €21k | €334 | €9k | €8k | ▼ 18.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €55k | €162k | €130k | €92k | ▼ 29.3% |
| Fixed assets21/28 | €10k | €47k | €44k | €32k | ▼ 25.7% |
| Tangible fixed assets22/27 | €8k | €44k | €41k | €30k | ▼ 27.4% |
| Plant, machinery and equipment23 | €8k | €6k | €6k | €4k | ▼ 32.7% |
| Furniture and vehicles24 | - | €38k | €35k | €25k | ▼ 26.5% |
| Financial fixed assets28 | €3k | €3k | €3k | €3k | = |
| Current assets29/58 | €45k | €116k | €86k | €60k | ▼ 31.1% |
| Amounts receivable within one year40/41 | €13k | €98k | €44k | €59k | ▲ 35.0% |
| Trade receivables40 | €4k | €85k | €30k | €41k | ▲ 37.5% |
| Other amounts receivable41 | €9k | €13k | €14k | €18k | ▲ 29.7% |
| Cash at bank and in hand54/58 | €32k | €18k | €40k | - | - |
| Deferred charges and accrued income490/1 | - | - | €3k | €112 | ▼ 95.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €55k | €162k | €130k | €92k | ▼ 29.3% |
| Equity10/15 | €26k | €26k | €26k | €23k | ▼ 12.9% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Reserves13 | €15k | €15k | €15k | €15k | = |
| Distributable reserves133 | €15k | €15k | €15k | €15k | = |
| Profit (loss) carried forward14 | €6k | €6k | €6k | €3k | ▼ 52.5% |
| Amounts payable17/49 | €29k | €136k | €104k | €69k | ▼ 33.5% |
| Amounts payable after more than one year17 | €4k | €36k | €11k | €0 | ▼ 100% |
| Financial debts170/4 | €4k | €36k | €11k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €25k | €101k | €54k | €69k | ▲ 28.1% |
| Current portion of amounts payable after more than one year42 | €2k | €2k | €14k | €12k | ▼ 13.4% |
| Financial debts43 | - | - | - | €12k | - |
| Credit institutions430/8 | - | - | - | €12k | - |
| Trade debts44 | €13k | €85k | €31k | €32k | ▲ 5.1% |
| Suppliers440/4 | €13k | €85k | €31k | €32k | ▲ 5.1% |
| Taxes, remuneration and social security45 | €9k | €13k | €7k | €11k | ▲ 49.8% |
| Taxes450/3 | €9k | €9k | €4k | €7k | ▲ 62.9% |
| Remuneration and social security454/9 | - | €5k | €3k | €5k | ▲ 34.5% |
| Other amounts payable47/48 | €1k | €7 | €2k | €1k | ▼ 26.1% |
| Accrued charges and deferred income492/3 | - | - | €39k | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €334 | €9k | €8k | ▼ 18.0% |
| + Depreciation and write-downs630 | €2k | €3k | €10k | €11k | ▲ 10.4% |
| Operating cash flow (approximation) | €22k | €3k | €19k | €19k | ▼ 3.2% |
| Investment in fixed assets (approximation) | - | €-39k | €-7k | €0 | ▲ 100% |
| Change in cash | - | €-14k | €22k | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Weakest financial yearnet €334 ▼98.4%
Net result drops to €334, the lowest in the series; recovery starts the following year.
19-07
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Pont-à-Celles · 1 establishment unit since 2022
Ground area
993 m²
Building footprint
112 m²
Volume, LiDAR
592 m³
Parcel 52065A0410/00Y000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DDM CONCEPT
since 20222.326.287.256
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52065A0410/00Y000 | Wallonia | 993 m² | 1 · 112 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,566 companies in sector 43410 we hold annual accounts for 4,363. 3,145 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43211General electrical installation work
43230Insulation installation
Contact
E-mail
info@dm-concept.be
Phone
+32498548673
Scores and ratios are computed by Checked and are not a credit decision.