DESIGN CONSTRUCT A&M
ActiveSummary
The computed 12-month bankruptcy probability of DESIGN CONSTRUCT A&M is 1.7% (moderate). The 2025 annual accounts show negative equity (€-14k) and a net result of €-97k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 7453 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-67
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.66 against 1.54 in 2024; short-term debt: 125.4% and cash: 6.2% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-25.4%
Return on assets
-170.8%
Age of the figures
9 mo
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-14k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
57 d late
2023
19 d early
2022
28 d early
2021
21 d late
2020
27 d early
2019
29 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-14k
2024 · €83k
2018: €24k
2019: €29k
2020: €142k
2021: €186k
2022: €353k
2023: €293k
2024: €83k
2018 → 2025
Total assets
€57k▼ 71.1%
2024 · €196k
2018: €104k
2019: €154k
2020: €179k
2021: €440k
2022: €526k
2023: €501k
2024: €196k
2018 → 2025
Net result
€-97k▲ 53.9%
2024 · €-211k
2018: €65k
2019: €62k
2020: €112k
2021: €102k
2022: €267k
2023: €40k
2024: €-211k
2018 → 2025
Working capital
€-25k
2024 · €61k
2018: €-3k
2019: €10k
2020: €120k
2021: €182k
2022: €335k
2023: €276k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€186k-€353k▲ 89.8%€293k▼ 16.9%€83k▼ 71.8%€-14k
Operating result€111k-€342k▲ 207%€57k▼ 83.4%€-218k€-110k▲ 49.4%
Net result€102k-€267k▲ 162%€40k▼ 84.9%€-211k€-97k▲ 53.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €110k in 2025 against €218k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€10k ▼ 52.8%
Current assets
€47k ▼ 73.3%
Key figures and ratios
EBITDA
€-107k▲
2024 · €-211k
Cash flow
€-94k▲
2024 · €-204k
Solvency
-25.4%▼
2024 · 42.1%
Current ratio
0.66▼
2024 · 1.54
Quick ratio
0.52▼
2024 · 0.81
Debt to equity
-4.94▼
2024 · 1.38
ROA
-170.8%▼
2024 · -107.2%
Interest coverage
-59.57▲
2024 · -90.57
Debt
€71k▼
2024 · €114k
Debt ≤ 1 year
€71k▼
2024 · €114k
Staff costs
€235▼
2024 · €409
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€196k€57k▼
Fixed assets21/28€21k€10k▼
Tangible fixed assets22/27€20k€10k▼
Plant, machinery and equipment23€3k€470▼
Furniture and vehicles24€17k€9k▼
Financial fixed assets28€2k€260▼
Current assets29/58€175k€47k▼
Stocks and contracts in progress3€83k€10k▼
Stocks30/36€83k€10k▼
Amounts receivable within one year40/41€27k€32k▲
Trade receivables40€27k€26k▼
Other amounts receivable41-€6k
Cash at bank and in hand54/58€60k€4k▼
Deferred charges and accrued income490/1€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€196k€57k▼
Equity10/15€83k€-14k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€62k€-35k▼
Amounts payable17/49€114k€71k▼
Amounts payable within one year42/48€114k€71k▼
Trade debts44€71k€67k▼
Suppliers440/4€71k€67k▼
Taxes, remuneration and social security45€28k€2k▼
Taxes450/3€26k€1k▼
Remuneration and social security454/9€2k€944▼
Other amounts payable47/48€15k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€409€235▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€3k▼
Other operating charges640/8€387€44k▲
Gross operating margin9900€-210k€-62k▲
Operating profit (loss)9901€-218k€-110k▲
Financial income75/76B€9k€15k▲
Recurring financial income75€9k€15k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-211k€-97k▲
Income taxes67/77€-603-
Profit (loss) for the period9904€-211k€-97k▲
Profit (loss) for the period to be appropriated9905€-211k€-97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€-35k▼
Profit (loss) brought forward from the previous period14P€273k€62k▼
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Weakest financial yearnet €-211k ▼623%
Net result drops to €-211k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €267k ▲162%
Operating result €342k, net result €267k, both a record.
31-12
Financial
Equity above €200kEq €353k ▲89.8%
5 profitable years in a row build equity to €353k.
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
31-12
Financial
Equity above €150kEq €186k ▲31.5%
4 profitable years in a row build equity to €186k.
04-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 4.64
Current ratio from 1.08 to 4.64; short-term debt falls from €125k to €33k.
31-12
Financial
Equity above €100kEq €142k ▲382%
3 profitable years in a row build equity to €142k.
Show earlier events
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Oupeye · 1 establishment unit since 2014
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.
Rue des Trixhes 544683 OupeyeGround area
1,046 m²
Building footprint
240 m²
Volume, LiDAR
1,675 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DESIGN CONSTRUCT A&M
since 20142.226.899.373
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62079A1326/00W003 | Wallonia | 606 m² | 1 · 145 m² | 10.1 m · 3 fl. |
| 62109A0168/00B002 | Wallonia | 440 m² | 1 · 94 m² | 6.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ANH BOND CONSTRUCT
BE 0776.510.437
Dilbeek · Eq €82,690
RE-ALL Bouw
BE 0863.855.472
Oosterzele · Eq €82,690
DE LUZE
BE 0729.745.747
Elsene · Eq €82,706
ELB CONSTRUCT
BE 0887.928.991
Paliseul · Eq €82,715
MAENHOUT RENOVEERT APPARTEMENTEN
BE 0788.647.018
Blankenberge · Eq €82,718
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,192 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:designconstruct@outlook.com
Phone:0485/438.036