DECTAM CONSTRUCT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DECTAM CONSTRUCT is 2.3% (moderate). The 2025 annual accounts show equity of €4k and a net result of €32k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 2873 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2873 sector peers (2025).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	10-06-2026	51 d early	2026-00148754
31-12-2024	31-07-2025	29-08-2025	29 d late	2025-00432231
31-12-2023	31-07-2024	11-06-2024	50 d early	2024-00122840
31-12-2022	31-07-2023	11-08-2023	11 d late	2023-00334040
31-12-2021	31-07-2022	24-08-2022	24 d late	2022-20345141

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.3% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€32k

Working capital€-38k+19.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 10-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~44% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	1.7%	43.4%	better than 9% of 2873 sector peers
Net result	€32k	€13k	better than 73% of 2872 sector peers
Equity	€4k	€44k	better than 11% of 2873 sector peers
Gross operating margin	€82k	€39k	better than 73% of 2870 sector peers
Total assets	€211k	€115k	better than 73% of 2873 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P9

Stable position over 2021-2025 · n=2873-11087

Net result P73

Stable position over 2021-2025 · n=2872-11069

Equity P11

Weakening position over 2021-2025 · n=2873-11090

Gross operating margin P73

Weakening position over 2021-2025 · n=2870-11060

Describes the position versus peers, not a forecast.

EBITDA

€72k

+190.2% 21-25

Net profit

€32k

- 21-25

Cash flow

€62k

+248.3% 21-25

Total assets

€211k

+0.2% 21-25

Equity

€4k

- 21-25

Working capital

€-38k

+19.3% 21-25

Employees (FTE)

1

-40.0% 21-25

Staff costs

€0

-100.0% 21-25

Income taxes

€9k

- 21-25

Dividends

€25k

- 21-25

Debt

€208k

-3.2% 21-25

Debt ≤ 1y

€117k

+21.1% 21-25

Debt > 1y

€91k

-23.1% 21-25

Current ratio

0.67

+32.0% 21-25

Quick ratio

0.55

+52.5% 21-25

Solvency

1.7%

- 21-25

Debt / equity

57.11

- 21-25

ROE

888.4%

+245.4% 21-25

ROA

15.3%

- 21-25

Interest coverage

65.20

+1988.0% 21-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€72k
Net profit	€32k
Cash flow	€62k
Staff costs	-
Income taxes	€9k
Dividends	€25k
Total assets	€211k
Equity	€4k
Debt	€208k
of which ≤ 1y	€117k
of which > 1y	€91k
Working capital	€-38k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.67
Quick ratio	0.55
Working capital ratio	-18.0%
Solvency	1.7%
Debt / equity	57.11
Long-term debt ratio	24.94
Interest coverage	65.20
Gross margin	-
Net margin	-
ROA	15.3%
ROE	888.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €132k · 62.7% Current assets €79k · 37.3%

Equity & liabilities

Equity €4k · 1.7% Debt €208k · 98.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€211k
Fixed assets	21/28	€132k
Intangible fixed assets	21	€120k
Tangible fixed assets	22/27	€9k
Financial fixed assets	28	€3k
Current assets	29/58	€79k
Stocks & contracts in progress	3	€14k
Amounts receivable within one year	40/41	€54k
Cash & bank	54/58	€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€211k
Equity	10/15	€4k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€2k
Amounts payable	17/49	€208k
Amounts payable after one year	17	€91k
Amounts payable within one year	42/48	€117k
Trade debts payable within one year	44	€43k
Income statement
Gross operating margin	9900	€82k
Operating result	9901	€42k
Financial income	75	€300
Financial charges	65	€1k
Result before taxes	9903	€41k
Income taxes	67/77	€9k
Net result for the period	9904	€32k
Result to be appropriated	9905	€32k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

51 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

seat.Municipality exact location from the address register

Establishment units

1 location

DECTAM CONSTRUCT

Rue de la Tour(B.V.) 13, 5170 ProfondevilleBouwrijp maken van terreinen

since 20202.310.928.295

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,164 m²

Buildings1

Building footprint187 m²

Volume (LiDAR)714 m³

Tallest building4.6 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92014B0118/00Z004	Wallonia	1,164 m²	1 · 187 m²	4.6 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.

Analysis

Snowflake analysis

financial profile on 5 axes

62 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 51

Profitability 100

Solvency 5

Growth 58

Stability 94

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Credit advice

verdict per customer and amount

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Stukadoorswerk43310Stukadoorswerk43310Installatie van isolatie43230Isolatiewerkzaamheden43291Schrijnwerk43320Schrijnwerk43320Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100

Primary activity highlighted.

Names & trade names

Legal nameFR

DECTAM CONSTRUCT

Registered office

Rue de la Tour(B.V.) 13

5170 Profondeville, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.