Dubois Lode
ActiveSummary
The computed 12-month bankruptcy probability of Dubois Lode is 2.0% (moderate). The 2025 annual accounts show equity of €50,340 and a net result of €1,101. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 28806 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Other specialised construction activities
NACE 43990NACE 43999
1 site
How big
€149,276total assets 2025
- Equity
- €50,340
- Profit
- €1,101
Turnover not published (abridged schema)
Who decides
Accounts filed 59 d late0 of 1 deed read
Why 55- Limited track record- Higher-failure-rate sector+ Annual accounts: healthy financial profileA punctual record breaksShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+9
Solvency59▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.25 in 2024; short-term debt: 39.1% and cash: 2.2% of total assets), and 66.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
33.7%
Return on assets
0.7%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
59 d late
2024
55 d early
2023
1 d early
2022
7 d early
2021
2 d late
2020
23 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 4 days before 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 31 July (4 of the last 5 filed years within 55 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €1,101
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €149,276Profit €1,101Solvency 33.7%Liquidity 1.48
Total assets
€149,276▲ 13.6%
2020 - 2025
Net result
€1,101
2020 - 2025
Equity
€50,340▲ 2.2%
2020 - 2025
Staff (FTE)
0.6▼ 60.0%
2020 - 2022
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€27,314▼ 64.4%€28,240▲ 3.4%€7,367▼ 73.9%-€6,496€2,592
Net result€21,678within the sector's middle half▼ 64.5%€20,918within the sector's middle half▼ 3.5%€4,376within the sector's middle half▼ 79.1%-€7,831below the sector's middle half€1,101within the sector's middle half
Equity€97,776within the sector's middle half▲ 28.5%€118,694within the sector's middle half▲ 21.4%€123,070within the sector's middle half▲ 3.7%€49,238within the sector's middle half▼ 60.0%€50,340within the sector's middle half▲ 2.2%
Total assets€263,423within the sector's middle half▲ 58.2%€176,697within the sector's middle half▼ 32.9%€183,790within the sector's middle half▲ 4.0%€131,390within the sector's middle half▼ 28.5%€149,276within the sector's middle half▲ 13.6%
Debt€165,647▲ 83.1%€58,003▼ 65.0%€60,720▲ 4.7%€82,152▲ 35.3%€98,937▲ 20.4%
Working capital€1,755below the sector's middle half€48,092within the sector's middle half▲ 2,640%€70,474within the sector's middle half▲ 46.5%€20,221within the sector's middle half▼ 71.3%€27,823within the sector's middle half▲ 37.6%
Solvency37.1%within the sector's middle half▼ 8.6pp67.2%above the sector's middle half▲ 30.1pp67.0%within the sector's middle half▼ 0.2pp37.5%within the sector's middle half▼ 29.5pp33.7%within the sector's middle half▼ 3.8pp
Current ratio1.01below the sector's middle half▲ 0.642.55within the sector's middle half▲ 1.542.41within the sector's middle half▼ 0.141.25within the sector's middle half▼ 1.161.48within the sector's middle half▲ 0.23
Return on assets (ROA)8.2%within the sector's middle half▼ 28.5pp11.8%within the sector's middle half▲ 3.6pp2.4%within the sector's middle half▼ 9.5pp-6.0%below the sector's middle half▼ 8.3pp0.7%within the sector's middle half▲ 6.7pp
Staff (FTE)1.5▲ 1,400%0.6▼ 60.0%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2,592 after a loss of €6,496 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149,276
Fixed assets
€63,064 ▲ 117%
Current assets
€86,212 ▼ 15.8%
Equity and liabilities €149,276
Equity
€50,340 ▲ 2.2%
Debt
€98,937 ▲ 20.4%
Debt's share of the balance-sheet total rises from 62.5% to 66.3%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
€31,997▲
2024 · €27,732
Cash flow
€30,506▲
2024 · €26,396
Quick ratio
0.67▼
2024 · 0.88
Debt to equity
1.97▲
2024 · 1.67
ROE
2.2%▲
2024 · -15.9%
Interest coverage
21.76▼
2024 · 22.96
Debt ≤ 1 year
€58,389▼
2024 · €82,152
Debt > 1 year
€40,547▲
2024 · €0
Income taxes
€132▲
2024 · €128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,048 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.2%
went bankrupt
3.8%
stopped otherwise
94%
still going
For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,048 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €53,223 | €31,330 | €474 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,601 | €38,437 | €35,674 | €34,228 | €29,405 | ▼ 14.1% |
| Other operating charges640/8 | €1,754 | €9,591 | €2,401 | €1,108 | €2,456 | ▲ 122% |
| Gross operating margin9900 | €120,893 | €107,597 | €45,915 | €28,840 | €34,453 | ▲ 19.5% |
| Operating profit (loss)9901 | €27,314 | €28,240 | €7,367 | -€6,496 | €2,592 | ▲ 140% |
| Financial income75/76B | €85 | €38 | €0 | €0 | €112 | ▲ 30,049% |
| Recurring financial income75 | €85 | €38 | €0 | €0 | €112 | ▲ 30,049% |
| Financial charges65/66B | €1,589 | €1,777 | €1,484 | €1,208 | €1,471 | ▲ 21.7% |
| Recurring financial charges65 | €1,589 | €1,777 | €1,484 | €1,208 | €1,471 | ▲ 21.7% |
| Profit (loss) for the period before taxes9903 | €25,811 | €26,502 | €5,883 | -€7,703 | €1,233 | ▲ 116% |
| Income taxes67/77 | €4,133 | €5,584 | €1,507 | €128 | €132 | ▲ 3.1% |
| Profit (loss) for the period9904 | €21,678 | €20,918 | €4,376 | -€7,831 | €1,101 | ▲ 114% |
| Profit (loss) for the period to be appropriated9905 | €21,678 | €20,918 | €4,376 | -€7,831 | €1,101 | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €263,423 | €176,697 | €183,790 | €131,390 | €149,276 | ▲ 13.6% |
| Fixed assets21/28 | €139,087 | €97,616 | €63,245 | €29,018 | €63,064 | ▲ 117% |
| Tangible fixed assets22/27 | €139,087 | €97,616 | €63,245 | €29,018 | €63,064 | ▲ 117% |
| Plant, machinery and equipment23 | €5,832 | €2,319 | €2,605 | €1,307 | €1,616 | ▲ 23.6% |
| Furniture and vehicles24 | €133,255 | €95,297 | €60,641 | €27,710 | €61,448 | ▲ 122% |
| Current assets29/58 | €124,336 | €79,081 | €120,544 | €102,373 | €86,212 | ▼ 15.8% |
| Stocks and contracts in progress3 | €38,709 | €32,859 | €62,766 | €30,000 | €47,069 | ▲ 56.9% |
| Stocks30/36 | - | €20,000 | €40,000 | €30,000 | €35,233 | ▲ 17.4% |
| Contracts in progress37 | €38,709 | €12,859 | €22,766 | €0 | €11,836 | - |
| Amounts receivable within one year40/41 | €76,168 | €31,951 | €49,393 | €63,430 | €30,695 | ▼ 51.6% |
| Trade receivables40 | €61,274 | €23,260 | €33,169 | €29,144 | €7,247 | ▼ 75.1% |
| Other amounts receivable41 | €14,894 | €8,691 | €16,224 | €34,286 | €23,448 | ▼ 31.6% |
| Cash at bank and in hand54/58 | €5,499 | €10,800 | €4,909 | €5,571 | €3,337 | ▼ 40.1% |
| Deferred charges and accrued income490/1 | €3,960 | €3,470 | €3,476 | €3,372 | €5,111 | ▲ 51.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €263,423 | €176,697 | €183,790 | €131,390 | €149,276 | ▲ 13.6% |
| Equity10/15 | €97,776 | €118,694 | €123,070 | €49,238 | €50,340 | ▲ 2.2% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | €82,776 | €103,694 | €108,070 | €34,238 | €35,340 | ▲ 3.2% |
| Amounts payable17/49 | €165,647 | €58,003 | €60,720 | €82,152 | €98,937 | ▲ 20.4% |
| Amounts payable after more than one year17 | €43,066 | €27,014 | €10,650 | €0 | €40,547 | - |
| Financial debts170/4 | €43,066 | €27,014 | €10,650 | €0 | €40,547 | - |
| Amounts payable within one year42/48 | €122,581 | €30,989 | €50,070 | €82,152 | €58,389 | ▼ 28.9% |
| Current portion of amounts payable after more than one year42 | €15,746 | €16,052 | €16,364 | €10,650 | €9,724 | ▼ 8.7% |
| Trade debts44 | €65,418 | €1,806 | €25,422 | €5,462 | €38,904 | ▲ 612% |
| Suppliers440/4 | €65,418 | €1,806 | €25,422 | €5,462 | €38,904 | ▲ 612% |
| Taxes, remuneration and social security45 | €23,326 | €12,417 | €8,284 | €40 | €2,949 | ▲ 7,213% |
| Taxes450/3 | €20,303 | €12,417 | €8,284 | €40 | €2,949 | ▲ 7,213% |
| Remuneration and social security454/9 | €3,023 | €0 | - | - | - | - |
| Other amounts payable47/48 | €18,091 | €714 | €0 | €66,000 | €6,812 | ▼ 89.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,678 | €20,918 | €4,376 | -€7,831 | €1,101 | ▲ 114% |
| + Depreciation and write-downs630 | €38,601 | €38,437 | €35,674 | €34,228 | €29,405 | ▼ 14.1% |
| Operating cash flow (approximation) | €60,279 | €59,354 | €40,049 | €26,396 | €30,506 | ▲ 15.6% |
| Investment in fixed assets (approximation) | - | €3,034 | -€1,303 | €0 | -€63,452 | - |
| Change in cash | - | €5,301 | -€5,891 | €662 | -€2,234 | ▼ 437% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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NORIM
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PiWi
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behandelingtrappen.be
BE 0507.856.069
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Of 15,518 companies in this sector we hold annual accounts for 7,427. 6,101 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
11 eventsLatest 28-09-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 59 days late
2025
31-12
Financial
Back to profitnet €1,101
Net result €1,101 after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€7,831
Net result drops to -€7,831, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 2.55
Current ratio from 1.01 to 2.55; short-term debt falls from €122,581 to €30,989.
31-12
Financial
Equity above €100,000Eq €118,694 ▲21.4%
3 profitable years in a row build equity to €118,694.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.01
Current ratio from 0.38 to 1.01.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 16-07-2020Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded16-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0750763568
Also
9925:BE0750763568
Registered
05-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Herent · 1 establishment unit since 2020
Ground area
706 m²
Building footprint
94 m²
Volume, LiDAR
592 m³
Parcel 24422D0196/00S006, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dubois Lode
since 2020unit no. 2.305.199.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24422D0196/00S006 | Flanders | 706 m² | 1 · 94 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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