Equity
Equity fell by 67% in 4 years.
Equity fell by 67% in 4 years.
Lower net result than 90% of companies in specialised construction. Sector median €10,189 · 35,107 companies.
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 43, micro). It does better than 90% of them on solvency, 67% on liquidity, 4% on profitability and 11% on growth.
The bankruptcy probability was computed on 08-11-2026 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 low class on 30-06-2025, 0.8% 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).
In July 2024, 3,591 companies had the same profile as DIF CONSTRUCT has now. Each dot stands for 9 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DIF CONSTRUCT itself: 1.2% within 12 months.
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 3,591 companies, not a prediction for DIF 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.
Net loss of at least half of total assets or of the equity at the start of the financial year.
Cash is 27.5% of total assets. 0% of the assets are financed with debt and provisions.
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.
The company filed its last 6 accounts on average 3 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| DIF CONSTRUCT Uccle | - | - | 100.0% | - |
| ALBY CONSTRUCT Ganshoren | - | - | 23.0% | - |
| FD. RENOV Charleroi | €94,206 | 38.2% | -39.2% | - |
| DTD- Project Waterloo | - | - | -3.8% | - |
| SUSHIC Brussels | €96,079 | 2.2% | -142.6% | - |
| KÖZLER Ganshoren | - | - | 63.8% | - |
| Building Services & Solutions Woluwe-Saint-Lambert | - | - | 30.7% | - |
These companies have the same main activity as DIF CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €14,800 and €30,100, founded between 2018 and 2021.
DIF CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €33,578 in 2020 to €42,917 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €370,000. Estimated: probably between €250,000 and €660,000.
Higher than 95% of 35,119 companies in 2025.
Higher than 91% of 29,896 companies in 2022.
Lower than 95% of 34,694 companies in 2025.
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
20,206 | 33,622 | 24,254 | 15,018 | 61,545 | 33,087 | |
21/28 |
1,475 | 875 | 875 | 1,491 | 2,107 | 875 | |
22/27 |
- | - | - | 616 | 1,232 | - | |
24 |
- | - | - | 616 | 1,232 | - | |
28 |
1,475 | 875 | 875 | 875 | 875 | 875 | |
29/58 |
18,731 | 32,747 | 23,379 | 13,527 | 59,438 | 32,212 | |
40/41 |
13,178 | 27,490 | 11,181 | 12,132 | 32,872 | 12,491 | |
40 |
- | 23,706 | - | - | - | 6,828 | |
41 |
13,178 | 3,783 | 11,181 | 12,132 | 32,872 | 5,663 | |
54/58 |
5,553 | 4,644 | 10,577 | 189 | 24,242 | 19,721 | |
490/1 |
- | 613 | 1,621 | 1,206 | 2,324 | - | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
20,206 | 33,622 | 24,254 | 15,018 | 61,545 | 33,087 | |
10/15 |
20,206 | 33,622 | 24,254 | 12,947 | 61,545 | 30,810 | |
10/11 |
300 | 300 | 300 | 300 | 300 | 300 | |
10 |
- | - | - | - | 300 | - | |
100 |
- | - | - | - | 300 | 300 | |
14 |
19,906 | 33,322 | 23,954 | 12,647 | 61,245 | 30,510 | |
17/49 |
- | - | - | 2,071 | - | 2,277 | |
42/48 |
- | - | - | 2,071 | - | 2,277 | |
44 |
- | - | - | 1,792 | - | 2,277 | |
440/4 |
- | - | - | 1,792 | - | 2,277 | |
45 |
- | - | - | 279 | - | - | |
450/3 |
- | - | - | 279 | - | - | |
| Income statement | |||||||
9900 |
42,917 | 16,253 | 54,624 | 30,061 | 31,987 | 33,578 | |
62 |
34,107 | 3,033 | 33,632 | 12,922 | - | 990 | |
630 |
- | - | 616 | 616 | 616 | - | |
640/8 |
4,121 | 3,319 | 1,522 | 1,294 | 430 | 348 | |
9901 |
4,689 | 9,902 | 18,854 | 15,230 | 30,941 | 32,241 | |
65/66B |
311 | 534 | 358 | 1,560 | 206 | 138 | |
65 |
311 | 534 | 358 | 1,560 | 206 | 138 | |
9903 |
4,378 | 9,367 | 18,497 | 13,669 | 30,735 | 32,103 | |
67/77 |
17,794 | - | 7,189 | 62,267 | - | 1,593 | |
9904 |
-13,416 | 9,367 | 11,307 | -48,598 | 30,735 | 30,510 | |
9905 |
-13,416 | 9,367 | 11,307 | -48,598 | 30,735 | 30,510 | |
| Appropriation of the result | |||||||
9906 |
19,906 | 33,322 | 23,954 | 12,647 | 61,245 | 30,510 | |
14P |
33,322 | 23,954 | 12,647 | 61,245 | 30,510 | - | |
| Document | |||||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 01-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 01-07-2026 | 2026-00233750 | |
| 31-12-2024 | micro format | 02-07-2025 | 2025-00216894 | |
| 31-12-2023 | micro format | 26-08-2024 | 2024-00394905 | |
| 31-12-2022 | micro format | 15-08-2023 | 2023-00339142 | |
| 31-12-2021 | micro format | 23-08-2022 | 2022-20319446 | |
| 31-12-2020 | micro format | 11-08-2021 | 2021-49000124 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| - | - | 19,470 | 15,846 | 31,557 | - | ||
| - | - | 11,923 | -47,982 | 31,351 | - | ||
| 600 | - | 0 | 0 | 1,848 | 875 | ||
| 909 | -5,934 | 10,389 | -24,054 | 4,522 | - | ||
| - | - | - | 11,456 | - | 29,935 | ||
| 100.0% | 100.0% | 100.0% | 86.2% | 100.0% | 93.1% | ||
| - | - | - | 6.53 | - | 14.15 | ||
| - | - | - | 0.16 | - | 0.07 | ||
| -66.4% | 27.9% | 46.6% | -375.4% | 49.9% | 99.0% | ||
| -66.4% | 27.9% | 46.6% | -323.6% | 49.9% | 92.2% | ||
| - | - | 54.43 | 10.15 | over 100 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | - | - | €1,848 |
| Financial fixed assets | €600 | - | - | - | - |
| - | - | €616 | €616 | €616 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 53% lower than in 2024 and the lowest since 2020. It is the second fall in a row.
DIF CONSTRUCT has no parent and no holdings in its annual accounts.
| SENIOR ASSIST
registered office since 12-09-2005 · founded in 2005 · accounts filed late |
total assets €52.2m (2024) 0875.416.783 |
| FINASO
registered office since 31-08-1998 · founded in 1998 |
total assets €16.5m (2025) 0464.057.995 |
| Xanlite Group
establishment since 01-01-2013 · founded in 2012 |
total assets €14.3m (2025) 0501.907.001 |
| EXL
registered office since 22-05-2002 · founded in 2002 · negative equity (2025) |
total assets €13.6m (2025) 0476.978.890 |
| CORNERS PROPERTIES
registered office since 17-03-2022 · founded in 2022 |
total assets €8.6m (2025) 0783.541.254 |
| Woon en Zorg VG Lovendegem
registered office since 04-05-2017 · founded in 2017 · negative equity (2024) · group SENIOR ASSIST · accounts filed late |
total assets €8.4m (2024) 0675.431.784 |
| La Tramontane
registered office since 27-03-1986 · founded in 1986 · negative equity (2024) · group SENIOR ASSIST · accounts filed late |
total assets €5.3m (2024) 0428.695.755 |
| FINANCIERE VENDOME
registered office since 02-03-2006 · founded in 2006 · negative equity (2025) |
total assets €4.3m (2025) 0879.702.896 |
| AQUARIUS
registered office since 23-05-1986 · founded in 1986 · negative equity (2025) |
total assets €3.9m (2025) 0429.022.882 |
| SMART Cleaning
registered office since 28-10-2013 · founded in 2013 |
37 FTE (2025) 0541.472.707 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| DIF Construct SRL registered office Alsembergsesteenweg 842, 1180 Uccle 2511001 Manufacture of metal structures and parts of structures | 17-07-2019 | 2.292.177.207 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21614E0126/00A002 | 1,616 m² | 1 · 1,089 m² | 12.7 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0730.795.228
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