DIF CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of DIF CONSTRUCT is 4.5% (elevated). The annual accounts of DIF CONSTRUCT for fiscal year 2025 show a net loss of 66% of total assets. The 2025 annual accounts show equity of €20k and a net result of €-13k. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
cash: 27.5% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
100%
Return on assets
-66.4%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
29 d early
2023
26 d late
2022
15 d late
2021
23 d late
2020
11 d late
← 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
€20k▼ 39.9%
2024 · €34k
2020: €31k
2021: €62k
2022: €13k
2023: €24k
2024: €34k
2020 → 2025
Total assets
€20k▼ 39.9%
2024 · €34k
2020: €33k
2021: €62k
2022: €15k
2023: €24k
2024: €34k
2020 → 2025
Net result
€-13k
2024 · €9k
2020: €31k
2021: €31k
2022: €-49k
2023: €11k
2024: €9k
2020 → 2025
Working capital
€11k▼ 61.7%
2020 · €30k
2020: €30k
2020 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€13k▼ 79.0%€24k▲ 87.3%€34k▲ 38.6%€20k▼ 39.9%
Operating result€31k-€15k▼ 50.8%€19k▲ 23.8%€10k▼ 47.5%€5k▼ 52.6%
Net result€31k-€-49k€11k€9k▼ 17.2%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 53% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20k
Fixed assets
€1k ▲ 68.6%
Current assets
€19k ▼ 42.8%
Key figures and ratios
Solvency
100.0%=
2024 · 100.0%
ROE
-66.4%▼
2024 · 27.9%
ROA
-66.4%▼
2024 · 27.9%
Income taxes
€18k
Staff costs
€34k▲
2024 · €3k
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 · 25 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€20k▼
Fixed assets21/28€875€1k▲
Financial fixed assets28€875€1k▲
Current assets29/58€33k€19k▼
Amounts receivable within one year40/41€27k€13k▼
Trade receivables40€24k-
Other amounts receivable41€4k€13k▲
Cash at bank and in hand54/58€5k€6k▲
Deferred charges and accrued income490/1€613-
Equity and liabilities
Total equity and liabilities10/49€34k€20k▼
Equity10/15€34k€20k▼
Contributions10/11€300€300=
Profit (loss) carried forward14€33k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€3k€34k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€16k€43k▲
Operating profit (loss)9901€10k€5k▼
Financial charges65/66B€534€311▼
Recurring financial charges65€534€311▼
Profit (loss) for the period before taxes9903€9k€4k▼
Income taxes67/77-€18k
Profit (loss) for the period9904€9k€-13k▼
Profit (loss) for the period to be appropriated9905€9k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€20k▼
Profit (loss) brought forward from the previous period14P€24k€33k▲
The notes to these accounts (5 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
31-12
Financial
Weakest financial yearnet €-49k ▼258%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Highest result since 2020net €31k ▲0.7%
Net result €31k, the highest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ukkel · 1 establishment unit since 2019
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.
Alsembergsesteenweg 8421180 UkkelGround area
1,616 m²
Building footprint
1,089 m²
Volume, LiDAR
6,528 m³
Parcel 21614E0126/00A002, Brussels · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIF Construct SRL
since 20192.292.177.207
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0126/00A002 | Brussels | 1,616 m² | 1 · 1,089 m² | 12.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
DAVROS EVO CONSTRUCT
BE 0503.916.780
Saint-Ghislain · Eq €20,200
VVA RENOVATION
BE 0797.693.356
Zaventem · Eq €20,181
PANAM
BE 0761.716.452
Juprelle · Eq €20,173
AMJ DECOR
BE 0791.900.674
Tongeren-Borgloon · Eq €20,246
BEGATECH
BE 0758.921.466
Schaarbeek · Eq €20,164
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,220 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
Founded17-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
43990Other specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.