Dum&Design
ActiveThe computed 12-month bankruptcy probability of Dum&Design is 1.6% (moderate). The 2025 annual accounts show equity of €26k and a net result of €23k. Its solvency ranks better than 46% of 27358 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency82
Growth-
Stability67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.75), but 56.3% 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.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
43.7%
Return on assets
38.7%
Age of the figures
8 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€26k
Total assets
€60k
Net result
€23k
Working capital
€25k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €60k
Fixed assets
€848
Current assets
€59k
Equity and liabilities €60k
Equity
€26k
Debt
€34k
Debt finances 56.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€31k
Cash flow
€23k
Solvency
43.7%
Current ratio
1.75
Quick ratio
1.75
Debt / equity
1.29
ROE
88.5%
ROA
38.7%
Interest coverage
338.71
Debt
€34k
Debt ≤ 1 year
€34k
Income taxes
€8k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€60k
Fixed assets21/28€848
Tangible fixed assets22/27€848
Furniture and vehicles24€848
Current assets29/58€59k
Amounts receivable after more than one year29€42k
Other amounts receivable291€42k
Amounts receivable within one year40/41€9k
Trade receivables40€4k
Other amounts receivable41€5k
Cash at bank and in hand54/58€8k
Equity and liabilities
Total equity and liabilities10/49€60k
Equity10/15€26k
Contributions10/11€3k
Profit (loss) carried forward14€23k
Amounts payable17/49€34k
Amounts payable within one year42/48€34k
Trade debts44€25k
Suppliers440/4€25k
Taxes, remuneration and social security45€9k
Taxes450/3€8k
Remuneration and social security454/9€831
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€280
Gross operating margin9900€31k
Operating profit (loss)9901€31k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€93
Recurring financial charges65€93
Profit (loss) for the period before taxes9903€31k
Income taxes67/77€8k
Profit (loss) for the period9904€23k
Profit (loss) for the period to be appropriated9905€23k
Appropriation of the result
Profit (loss) to be appropriated9906€23k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Gerpinnes · 1 establishment unit since 2025
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.
Square de Bertransart(GER) 16280 GerpinnesGround area
651 m²
Building footprint
120 m²
Volume, LiDAR
720 m³
Parcel 52025B0623/00A005, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dum&Design
since 20252.369.893.112
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52025B0623/00A005 | Wallonia | 651 m² | 1 · 120 m² | 8.0 m · 2 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
WOODT
BE 0895.213.889
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Woody Wood Maker
BE 1028.749.039
Overijse · Eq €26k
M.SOLUTIONS
BE 1017.907.112
Braine-l'Alleud · Eq €26k
Algemeen schrijnwerk en maatwerk Peter Brems
BE 0425.441.208
Puurs-Sint-Amands · Eq €26k
M. Martens
BE 0668.796.885
Stekene · Eq €26k
Of 19,948 companies in sector 43320 we hold annual accounts for 9,082. 6,546 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2025
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43343Specialised construction activities
43410Roofing work
43990Other specialised construction activities
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.