Dubomat
ActiveSummary
Dubomat has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.4m and a net result of €347,299. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 88% of 4926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+5
Solvency100=
Growth46=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190,000 at 30 days acceptable
Liquidity ample (current ratio 5.32 against 3.76 in 2024; short-term debt: 16.4% and cash: 2.2% of total assets), and 16.8% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
83.2%
Return on assets
12.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
14 d early
2023
26 d early
2022
31 d early
2021
3 d late
2020
3 d early
2019
4 d early
← 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 12 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#4 oldest company in Comines-Warneton, Wholesale and retail trade sector#5 employer in Comines-Warneton, Wholesale and retail trade sector
Turnover
€8.0m▼ 9.2%
2021 · €8.8m
EBIT margin
5.0%▼ 3.6pp
2021 · 8.6%
Net result
€347,299▲ 33.6%
2024 · €260,009
Working capital
€2.0m▼ 2.2%
2024 · €2.1m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€8.8m▼ 2.4%€8.0m▼ 9.2%
Operating result€757,997▼ 76.0%€398,361▼ 47.4%€290,975▼ 27.0%€290,134▼ 0.3%€399,535▲ 37.7%
Net result€545,354within the sector's middle half▼ 76.7%€277,737within the sector's middle half▼ 49.1%€269,781within the sector's middle half▼ 2.9%€260,009within the sector's middle half▼ 3.6%€347,299within the sector's middle half▲ 33.6%
EBIT margin8.6%▼ 26.3pp5.0%▼ 3.6pp
Equity€2.3mwithin the sector's middle half▼ 49.9%€2.5mwithin the sector's middle half▲ 12.3%€2.3mwithin the sector's middle half▼ 9.1%€2.3mwithin the sector's middle half▲ 0.4%€2.4mwithin the sector's middle half▲ 1.6%
Total assets€3.3mwithin the sector's middle half▼ 44.8%€3.2mwithin the sector's middle half▼ 1.2%€2.9mwithin the sector's middle half▼ 9.6%€3.1mwithin the sector's middle half▲ 5.3%€2.8mwithin the sector's middle half▼ 8.0%
Debt€1.0m▼ 28.6%€699,669▼ 31.3%€617,349▼ 11.8%€761,640▲ 23.4%€477,817▼ 37.3%
Working capital€1.9m▼ 54.5%€2.1m▲ 11.2%€2.0m▼ 6.7%€2.1m▲ 4.8%€2.0m▼ 2.2%
Solvency69.0%above the sector's middle half▼ 7.0pp78.4%above the sector's middle half▲ 9.4pp78.9%above the sector's middle half▲ 0.5pp75.3%above the sector's middle half▼ 3.6pp83.2%above the sector's middle half▲ 7.9pp
Staff (FTE)22.9within the sector's middle half=22within the sector's middle half▼ 3.9%20within the sector's middle half▼ 9.1%18.7within the sector's middle half▼ 6.5%18.3within the sector's middle half▼ 2.1%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.8m
Fixed assets
€358,757 ▲ 28.1%
Current assets
€2.5m ▼ 11.6%
Equity and liabilities €2.8m
Equity
€2.4m ▲ 1.6%
Debt
€477,817 ▼ 37.3%
Debt's share of the balance-sheet total falls from 24.7% to 16.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€486,610▲
2024 · €412,517
Cash flow
€434,374▲
2024 · €382,392
Current ratio
5.32▲
2024 · 3.76
Quick ratio
0.73▼
2024 · 0.94
Debt to equity
0.20▼
2024 · 0.33
ROE
14.7%▲
2024 · 11.2%
ROA
12.2%▲
2024 · 8.4%
Interest coverage
27.88▲
2024 · 20.65
Debt ≤ 1 year
€465,604▼
2024 · €745,177
Income taxes
€120,332▲
2024 · €90,796
Staff costs
€822,881▼
2024 · €865,875
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 20,129 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €8.8m | €8.0m | - | - | - | - |
| Turnover70 | €8.8m | €8.0m | - | - | - | - |
| Other operating income74 | €11,859 | €7,287 | - | - | - | - |
| Operating charges60/66A | €8.1m | €7.6m | - | - | - | - |
| Goods for resale, raw materials and consumables60 | €5.7m | €5.2m | - | - | - | - |
| Purchases600/8 | €6.0m | €5.2m | - | - | - | - |
| Change in stocks: decrease (increase)609 | -€265,525 | -€67,327 | - | - | - | - |
| Services and other goods61 | €1.4m | €1.3m | - | - | - | - |
| Remuneration, social security and pensions62 | €815,177 | €921,855 | €840,554 | €865,875 | €822,881 | ▼ 5.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €139,488 | €129,137 | €122,411 | €122,383 | €87,075 | ▼ 28.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €17,122 | €19,536 | €19,180 | €11,782 | €3,627 | ▼ 69.2% |
| Other operating charges640/8 | €58,839 | €61,190 | €60,585 | €46,373 | €57,220 | ▲ 23.4% |
| Gross operating margin9900 | - | - | €1.3m | €1.3m | €1.4m | ▲ 2.5% |
| Operating profit (loss)9901 | €757,997 | €398,361 | €290,975 | €290,134 | €399,535 | ▲ 37.7% |
| Financial income75/76B | €4,757 | €12,226 | €87,204 | €80,668 | €85,550 | ▲ 6.1% |
| Recurring financial income75 | €4,757 | €12,226 | €87,204 | €80,668 | €85,550 | ▲ 6.1% |
| Income from current assets751 | - | €2,516 | - | - | - | - |
| Other financial income752/9 | €4,757 | €9,710 | - | - | - | - |
| Financial charges65/66B | €33,212 | €30,508 | €20,662 | €19,997 | €17,454 | ▼ 12.7% |
| Recurring financial charges65 | €33,162 | €30,508 | €20,597 | €19,977 | €17,454 | ▼ 12.6% |
| Debt charges650 | €12,661 | €6,453 | - | - | - | - |
| Other financial charges652/9 | €20,501 | €24,055 | - | - | - | - |
| Non-recurring financial charges66B | €50 | - | €65 | €20 | - | - |
| Profit (loss) for the period before taxes9903 | €729,542 | €380,079 | €357,517 | €350,805 | €467,631 | ▲ 33.3% |
| Income taxes67/77 | €184,188 | €102,342 | €87,737 | €90,796 | €120,332 | ▲ 32.5% |
| Taxes670/3 | €184,406 | €102,342 | - | - | - | - |
| Tax adjustments and reversals of tax provisions77 | €218 | - | - | - | - | - |
| Profit (loss) for the period9904 | €545,354 | €277,737 | €269,781 | €260,009 | €347,299 | ▲ 33.6% |
| Profit (loss) for the period to be appropriated9905 | €545,354 | €277,737 | €269,781 | €260,009 | €347,299 | ▲ 33.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.3m | €3.2m | €2.9m | €3.1m | €2.8m | ▼ 8.0% |
| Fixed assets21/28 | €553,954 | €458,967 | €368,388 | €280,148 | €358,757 | ▲ 28.1% |
| Tangible fixed assets22/27 | €553,954 | €458,967 | €368,388 | €280,148 | €358,757 | ▲ 28.1% |
| Plant, machinery and equipment23 | €118,059 | €80,261 | €107,081 | €38,648 | €15,122 | ▼ 60.9% |
| Furniture and vehicles24 | €20,815 | €21,375 | €18,073 | €11,557 | €17,336 | ▲ 50.0% |
| Leasing and similar rights25 | €126,540 | €92,403 | - | - | - | - |
| Other tangible fixed assets26 | €288,541 | €264,928 | €243,234 | €229,943 | €326,300 | ▲ 41.9% |
| Current assets29/58 | €2.7m | €2.8m | €2.6m | €2.8m | €2.5m | ▼ 11.6% |
| Stocks and contracts in progress3 | €2.2m | €2.2m | €2.2m | €2.1m | €2.1m | ▲ 1.5% |
| Stocks30/36 | €2.2m | €2.2m | €2.2m | €2.1m | €2.1m | ▲ 1.5% |
| Goods purchased for resale34 | €2.2m | €2.2m | - | - | - | - |
| Amounts receivable within one year40/41 | €461,951 | €442,240 | €150,178 | €598,409 | €252,288 | ▼ 57.8% |
| Trade receivables40 | €26,324 | €24,349 | €62,654 | €47,072 | €38,144 | ▼ 19.0% |
| Other amounts receivable41 | €435,627 | €417,891 | €87,524 | €551,337 | €214,144 | ▼ 61.2% |
| Cash at bank and in hand54/58 | €67,471 | €96,707 | €118,460 | €79,169 | €63,077 | ▼ 20.3% |
| Deferred charges and accrued income490/1 | €42,781 | €40,050 | €55,219 | €19,707 | €24,307 | ▲ 23.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.3m | €3.2m | €2.9m | €3.1m | €2.8m | ▼ 8.0% |
| Equity10/15 | €2.3m | €2.5m | €2.3m | €2.3m | €2.4m | ▲ 1.6% |
| Contributions10/11 | €217,605 | €217,605 | €217,605 | €217,605 | €217,605 | = |
| Capital10 | €217,605 | €217,605 | €217,605 | €217,605 | €217,605 | = |
| Issued capital100 | €217,605 | €217,605 | €217,605 | €217,605 | €217,605 | = |
| Reserves13 | €416,484 | €416,484 | €416,484 | €416,484 | €416,484 | = |
| Non-distributable reserves130/1 | €21,760 | €21,760 | €71,598 | €71,598 | €71,598 | = |
| Legal reserve130 | €21,760 | €21,760 | €21,760 | €21,760 | €21,760 | = |
| Reserves not available under the articles1311 | - | - | €49,838 | €49,838 | €49,838 | = |
| Tax-exempt reserves132 | €49,838 | €49,838 | - | - | - | - |
| Distributable reserves133 | €344,886 | €344,886 | €344,886 | €344,886 | €344,886 | = |
| Profit (loss) carried forward14 | €1.6m | €1.9m | €1.7m | €1.7m | €1.7m | ▲ 2.2% |
| Amounts payable17/49 | €1.0m | €699,669 | €617,349 | €761,640 | €477,817 | ▼ 37.3% |
| Amounts payable after more than one year17 | €151,606 | €0 | - | - | - | - |
| Financial debts170/4 | €151,606 | €0 | - | - | - | - |
| Leasing and similar obligations172 | €38,589 | €0 | - | - | - | - |
| Credit institutions173 | €113,017 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €836,489 | €678,745 | €596,714 | €745,177 | €465,604 | ▼ 37.5% |
| Current portion of amounts payable after more than one year42 | €57,185 | €91,595 | - | - | - | - |
| Trade debts44 | €515,414 | €398,685 | €414,414 | €305,405 | €292,248 | ▼ 4.3% |
| Suppliers440/4 | €515,414 | €398,685 | €414,414 | €305,405 | €292,248 | ▼ 4.3% |
| Advances received on contracts in progress46 | €11,502 | €11,077 | €12,744 | €9,196 | €11,739 | ▲ 27.7% |
| Taxes, remuneration and social security45 | €251,312 | €177,387 | €169,557 | €180,326 | €161,367 | ▼ 10.5% |
| Taxes450/3 | €85,413 | €20,265 | €36,040 | €47,258 | €40,158 | ▼ 15.0% |
| Remuneration and social security454/9 | €165,899 | €157,123 | €133,516 | €133,068 | €121,209 | ▼ 8.9% |
| Other amounts payable47/48 | €1,075 | €0 | - | €250,250 | €250 | ▼ 99.9% |
| Accrued charges and deferred income492/3 | €29,714 | €20,924 | €20,635 | €16,463 | €12,214 | ▼ 25.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €545,354 | €277,737 | €269,781 | €260,009 | €347,299 | ▲ 33.6% |
| + Depreciation and write-downs630 | €139,488 | €129,137 | €122,411 | €122,383 | €87,075 | ▼ 28.9% |
| Operating cash flow (approximation) | €684,842 | €406,874 | €392,191 | €382,392 | €434,374 | ▲ 13.6% |
| Investment in fixed assets (approximation) | - | -€34,150 | -€31,831 | -€34,142 | -€165,684 | ▼ 385% |
| Change in cash | - | €29,235 | €21,754 | -€39,291 | -€16,092 | ▲ 59.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 3 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
31-12
Financial
Highest result since 2018net €2.3m ▲3,691%
Operating result €3.2m, net result €2.3m, both a record.
31-12
Financial
Liquidity times 5current ratio 4.66
Current ratio from 0.85 to 4.66; short-term debt falls from €2.3m to €1.1m.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €61,868 ▼88.3%
Net result drops to €61,868, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1 day late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Comines-Warneton · 2 establishment units since 1981
Ground area
1.4 ha
Building footprint
2,220 m²
Volume, LiDAR
12,387 m³
2 parcels, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
HUBO
since 19812.019.231.875
HUBO
since 20092.178.981.373
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53059B0319/02_000 | Wallonia | 1.1 ha | 1 · 2,161 m² | 7.4 m · 2 fl. |
| 54002C1187/00E002 | Wallonia | 2,967 m² | 1 · 59 m² | 4.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
Teweka
71 companies
Group, risk and exposure
Owners and holdings
1 ownerChain of control
- Teweka
- Hubo België
- Dubomat
Highest known parent: Teweka. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of Dubomat and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesComines-Warneton/Komen-Waasten2.019.231.875
Mons2.178.981.373
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CERAMIC TILES IMPORT
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VIBOL
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Of 1,805 companies in sector 46831 we hold annual accounts for 1,399. 878 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded17-12-1979
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
47120Other non-specialised retail sale
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0420147283
Also
9925:BE0420147283
Registered
15-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.