Losses
-€14,265 in six years
Every financial year from 2020 to 2025 closed with a loss. 2023 was the heaviest.
DGF CONSTRUCT
Lifetime
16 annual accounts with figures on one time axispeak €268,655 (2019)
-€2,047▼ €274
lowest -€10,146 (2015)
-€2,367▼ €371
peak €114,786 (2019)
€100,521▼ 2.3%
€1,551▲ 1.4%
Board2 names since 2021
-
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
Gross margin from -€1,773 to -€2,047Loss of €2,367
Key points
from the 2025 annual accountsFilings
16 annual accounts since 2010
Nine of the last ten came late. The 2019 accounts came latest: 87 days after the end of the period.
Position in the sector
98.5%
Higher solvency than 95% of companies in construction of buildings. Sector median 42.9% · 9,456 companies.
Turnover not published (micro format)
Checked score
89
Excellent
Financially stronger than 54% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.3%▼ -0.1 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.5%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.4%▼ -0.1 percentage points vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.3%▼ -0.1 percentage points vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.2%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Founded in 2009
Equity €100,521 (98.5% of total assets)
Liquidity: current ratio 11.06, cash €14,002
Calculation
The band follows from the bankruptcy probability. 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). It does better than 92% of them on solvency, 72% on liquidity, 20% on profitability and 32% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as DGF CONSTRUCT has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DGF CONSTRUCT itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for DGF CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.06 (12.75 in 2024), above the usual 1.5. Short-term debt is 1.5% and cash 13.7% of total assets. 1.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 days early
2024
23 days late
2023
29 days late
2022
31 days late
2021
19 days late
2020
31 days late
2019
87 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 29 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0817211439
Change of role: DI FATO Carmelo, from gérant unique non statutaire to director
Director discharge: DI FATO Carmelo · Gazette deed
Resignation: CAMBERLEIN Delia Raymonde (manager)
General meeting of 15-09-2022 · Gazette deed
Registered office moved from Quaregnon to Ville pommeroeul
New registered office: route de mons 13/A, 7322 Ville pommeroeul · Previous registered office: 78 cité Reine Astrid, 7390 Quaregnon · General meeting of 03-05-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DGF CONSTRUCT Bernissart | €102,072 | -€2,047 | 98.5% | - |
| PROBUILD CONSTRUCTION Manage | €92,113 | -€27,595 | 81.0% | - |
| ENTREPRISE GENERALE GUIL-QUENT Ellezelles | €96,505 | -€4,848 | 40.2% | - |
| MVL CONSTRUCT Colfontaine | €99,501 | -€14,261 | 39.1% | - |
| "DAVAN CONSTRUCT" SPRL Mouscron | €84,312 | -€9,907 | 72.1% | - |
| VANNESTE MATTHIEU Mouscron | €81,917 | -€4,841 | 92.7% | - |
| NEW DESIGN CONSTRUCT Morlanwelz | €110,373 | -€15,000 | 9.7% | - |
These companies have the same main activity as DGF CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €81,900 and €110,000, founded between 2006 and 2011.
Official details
Source: KBO- Status
- Active since 14-07-2009Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.179.928.5107322 Bernissart, since 12-08-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- €102,072▼ 2.2%
- Filing
- Filed on 16-07-2026, 15 days before the end of the filing period
Insights on DGF CONSTRUCT
DGF CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €3,079 in 2010 to -€2,047 in 2025.
The balance sheet grew most from 2015 to 2017 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DGF CONSTRUCT
- What is the company number of DGF CONSTRUCT?
- The company number of DGF CONSTRUCT is 0817.211.439. The VAT number is the same number with BE in front: BE 0817.211.439.
- Where is DGF CONSTRUCT based?
- The registered office is at Route de Mons (V.P) 13A, 7322 Bernissart.Company details
- What does DGF CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of DGF CONSTRUCT?
- DGF CONSTRUCT is a private limited company (BV).
- When was DGF CONSTRUCT founded?
- DGF CONSTRUCT was founded on 14-07-2009.
- Is DGF CONSTRUCT still active?
- Yes, DGF CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of DGF CONSTRUCT?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is DGF CONSTRUCT profitable?
- In financial year 2025, DGF CONSTRUCT made a loss of €2,367.
- Where can I find the annual accounts of DGF CONSTRUCT?
- DGF CONSTRUCT filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DGF CONSTRUCT due?
- DGF CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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