Skip to content

DOBBELAERE Patrick

Active
Private limited company (pre-2019)founded 201610 yrs activeRue Désiré Blondiau(S) 22, 7332 Saint-Ghislain, BelgiumKBO/BCE: BE 0648.915.647
Summary

DOBBELAERE Patrick has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €517,612 and a net result of €50,426. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 9042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch ReportCompare
DOBBELAERE PatrickActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
Site preparation
NACE 43120Freight transport by road NACE 49410
#8 company by total assets in Saint-Ghislain, Construction sector1 site
Size
€1.8mtotal assets 2025
Staff
2 FTE
Equity
€517,612
Profit
€50,426
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
0.8%
Structure
Accounts filed 31 d late0 of 1 deed read
Why 68- Latest accounts 31 days late; 3 of the last 3 late+ Size: 2 FTE, total assets €1.8m+ Figures for FY 2025 (filed 31-08-2026)+ Founded in 2016Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 41% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 53+4
equity 28.0% of total assets
Liquidity 45-5
short-term debt 28.4% · cash 5.3%
Profitability 72-5
return on assets 2.7%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)
Last 24 months 11-2024: 1.3% 12-2024: 1.3%▼ -0.7% vs 11-2024 01-2025: 1.3%▼ -1.3% vs 12-2024 02-2025: 1.3%● 0.0% vs 01-2025 03-2025: 1.2%▼ -2.2% vs 02-2025 04-2025: 1.2%▲ +0.8% vs 03-2025 05-2025: 1.2%▼ -5.1% vs 04-2025 06-2025: 1.4%▲ +17.5% vs 05-2025 07-2025: 1.5%▲ +5.8% vs 06-2025 08-2025: 1.9%▲ +28.6% vs 07-2025 09-2025: 2.1%▲ +12.5% vs 08-2025 10-2025: 3.2%▲ +49.7% vs 09-2025 11-2025: 3.2%▲ +2.7% vs 10-2025 12-2025: 3.9%▲ +19.7% vs 11-2025 01-2026: 6.0%▲ +54.0% vs 12-2025highest value 02-2026: 6.0%● 0.0% vs 01-2026highest value 03-2026: 2.0%▼ -66.8% vs 02-2026 04-2026: 2.0%▼ -0.3% vs 03-2026 05-2026: 2.0%▲ +0.1% vs 04-2026 06-2026: 2.3%▲ +14.1% vs 05-2026 07-2026: 2.5%▲ +12.3% vs 06-2026 08-2026: 2.8%▲ +10.7% vs 07-2026 09-2026: 0.8%▼ -73.1% vs 08-2026lowest value 10-2026: 0.8%● 0.0% vs 09-2026lowest value
  • Latest accounts 31 days late; 3 of the last 3 late raises the probability
  • Size: 2 FTE, total assets €1.8m lowers the probability for this profile
  • Figures for FY 2025 (filed 31-08-2026) lowers the probability
  • Founded in 2016 lowers the probability for this profile
Credit up to €35,000 at 30 days acceptable
Liquidity short (current ratio 0.81 against 1.09 in 2024; short-term debt: 28.4% and cash: 5.3% of total assets), and 72% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 29%, liquidity 35%, profitability 43%, growth against the median 56%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 31 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: 2 FTE, total assets €1.8m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 31-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2016
In the bankruptcy model this factor lowers the probability for this profile.
KBO
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 · 9 filings
Deviation from the deadline
2025
31 d late
2024
207 d late
2023
66 d late
2022
207 d late
2021
30 d late
2019
89 d late
2018
131 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 109 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

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. Usually files around 6 October (5 of the last 5 filed years within 140 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Equity above €500,000Eq €517,612 ▲10.8%

Key points

  • Caution: Result fell in 2025from €120,930 to €50,426 ▼ 58.3% View
  • Positive: Company by total assets in Saint-Ghislain, Construction sectorin the Checked rankings #8 View
  • Positive: 7 profitable years in a rowprofit 2025: €50,426 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.8m
Profit
€50,426
Solvency
28.0%
Total assets▼ 3.6%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 23-02-2026Annual accounts filed
  3. 31-12-2025Equity above €500,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Site preparationNACE 43120
Founded
23-02-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure