DREAM'S construct
ActiveDREAM'S construct has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €-21k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 7278 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-61
Solvency69▼-29
Growth52=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 2.59 in 2024), and 61% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 →
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
39%
Return on assets
-7.3%
Age of the figures
8 mo
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
179 d late
2023
70 d late
2022
32 d late
2020
191 d late
2019
45 d late
2018
343 d late
← before the deadline
after the deadline →
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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▼ 33.5%
2024 · €166k
2018: €62k
2019: €86k
2020: €94k
2022: €155k
2023: €146k
2024: €166k
2018 → 2025
Total assets
€283k▼ 2.2%
2024 · €290k
2018: €67k
2019: €106k
2020: €125k
2022: €329k
2023: €352k
2024: €290k
2018 → 2025
Net result
€-21k
2024 · €20k
2018: €22k
2019: €54k
2020: €8k
2022: €22k
2023: €-9k
2024: €20k
2018 → 2025
Working capital
€50k▼ 58.1%
2024 · €120k
2018: €60k
2019: €74k
2020: €87k
2022: €140k
2023: €97k
2024: €120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€94k-€155k▲ 64.9%€146k▼ 5.5%€166k▲ 13.8%€111k▼ 33.5%
Operating result€11k-€26k▲ 132%€-4k€32k€-18k
Net result€8k-€22k▲ 170%€-9k€20k€-21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €32k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€104k▲ 10.0%
Current assets
€180k▼ 8.1%
Equity and liabilities €283k
Equity
€111k▼ 33.5%
Debt
€173k▲ 40.0%
The debt ratio rises from 42.6% to 61.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€22k▼
2024 · €63k
Cash flow
€19k▼
2024 · €51k
Solvency
39.0%▼
2024 · 57.4%
Current ratio
1.39▼
2024 · 2.59
Quick ratio
1.27▼
2024 · 2.19
Debt / equity
1.56▲
2024 · 0.74
ROE
-18.7%▼
2024 · 12.1%
ROA
-7.3%▼
2024 · 7.0%
Interest coverage
6.01▼
2024 · 15.40
Debt
€173k▲
2024 · €123k
Debt ≤ 1 year
€129k▲
2024 · €75k
Debt > 1 year
€43k▼
2024 · €48k
Income taxes
€132▼
2024 · €7k
Staff costs
€35k▲
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€290k€283k▼
Fixed assets21/28€94k€104k▲
Tangible fixed assets22/27€93k€103k▲
Plant, machinery and equipment23€10k€11k▲
Furniture and vehicles24€127-
Leasing and similar rights25€58k€70k▲
Other tangible fixed assets26€25k€22k▼
Financial fixed assets28€795€795=
Current assets29/58€195k€180k▼
Stocks and contracts in progress3€30k€15k▼
Contracts in progress37€30k€15k▼
Amounts receivable within one year40/41€97k€124k▲
Trade receivables40€64k€116k▲
Other amounts receivable41€32k€8k▼
Cash at bank and in hand54/58€57k€22k▼
Deferred charges and accrued income490/1€12k€19k▲
Equity and liabilities
Total equity and liabilities10/49€290k€283k▼
Equity10/15€166k€111k▼
Contributions10/11€8k€8k=
Reserves13€77k€42k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€75k€40k▼
Profit (loss) carried forward14€82k€61k▼
Amounts payable17/49€123k€173k▲
Amounts payable after more than one year17€48k€43k▼
Financial debts170/4€48k€43k▼
Amounts payable within one year42/48€75k€129k▲
Current portion of amounts payable after more than one year42€21k€31k▲
Trade debts44€24k€43k▲
Suppliers440/4€24k€43k▲
Taxes, remuneration and social security45€28k€20k▼
Taxes450/3€3k€6k▲
Remuneration and social security454/9€25k€14k▼
Other amounts payable47/48€2k€36k▲
Income statement
Code20242025
Remuneration, social security and pensions62€32k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€40k▲
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A-€13k
Gross operating margin9900€98k€72k▼
Operating profit (loss)9901€32k€-18k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€27k€-21k▼
Income taxes67/77€7k€132▼
Profit (loss) for the period9904€20k€-21k▼
Profit (loss) for the period to be appropriated9905€20k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€61k▼
Profit (loss) brought forward from the previous period14P€81k€82k▲
Transfer from equity791/2-€35k
Transfer to equity691/2€20k-
To other reserves6921€20k-
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (7 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
26-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 179 days late
2025
31-12
Financial
Weakest financial yearnet €-21k ▼202%
Net result drops to €-21k, the lowest in the series.
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Equity above €150kEq €166k ▲13.8%
Equity rises from €146k to €166k.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Equity above €150kEq €155k ▲64.9%
4 profitable years in a row build equity to €155k.
07-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 191 days late
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 343 days late
2019
31-12
Financial
Highest result since 2018net €54k ▲149%
Operating result €63k, net result €54k, both a record.
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 153 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, Bernissart · 1 establishment unit since 2017
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 Grande(BER) 2487320 BernissartGround area
440 m²
Building footprint
89 m²
Volume, LiDAR
681 m³
Parcel 51009B0315/00M000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DREAM'S construct
since 20172.268.097.946
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51009B0315/00M000 | Wallonia | 440 m² | 1 · 89 m² | 9.4 m · 3 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
GAUQUIE
BE 0859.617.265
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ANROZ
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DUEL CONCEPT
BE 0636.903.582
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Bouwwerken Bert Verhaegen
BE 0776.672.961
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VAN DEN ABEELE ANDY & C°
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Kruisem · Eq €110k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,860. 12,920 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-06-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.