DVM Concept
ActiveSummary
DVM Concept has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €169k and a net result of €19k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-10
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 6.42 against 6.22 in 2024; short-term debt: 10.8% and cash: 39.5% of total assets), and 22.2% 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 · 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
77.8%
Return on assets
8.7%
Age of the figures
9 mo
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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
27 d late
2022
30 d late
2021
30 d late
2020
3 d late
2019
88 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€169k▲ 12.5%
2024 · €150k
Total assets
€217k▲ 23.6%
2024 · €176k
Net result
€19k▼ 35.8%
2024 · €29k
Working capital
€127k▼ 4.5%
2024 · €133k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€20k▲ 73.0%€45k▲ 122%€24k▼ 47.0%€42k▲ 77.1%€30k▼ 27.6%
Net result€14k▲ 81.2%€31k▲ 127%€16k▼ 50.7%€29k▲ 88.8%€19k▼ 35.8%
Equity€121k▲ 10.2%€149k▲ 23.1%€150k▲ 0.7%€150k▲ 0.1%€169k▲ 12.5%
Total assets€137k▲ 4.3%€182k▲ 32.5%€175k▼ 3.6%€176k▲ 0.1%€217k▲ 23.6%
Debt€16k▼ 25.0%€33k▲ 102%€25k▼ 23.3%€26k▲ 0.7%€48k▲ 88.7%
Working capital€116k▲ 15.5%€144k▲ 24.1%€139k▼ 3.6%€133k▼ 3.8%€127k▼ 4.5%
Staff (FTE)0.2▼ 60.0%1▲ 400%0.4▼ 60.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €217k
Fixed assets
€66k ▲ 295%
Current assets
€151k ▼ 5.1%
Equity and liabilities €217k
Equity
€169k ▲ 12.5%
Debt
€48k ▲ 88.7%
Debt's share of the balance-sheet total rises from 14.6% to 22.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▲
2024 · €47k
Cash flow
€47k▲
2024 · €34k
Current ratio
6.42▲
2024 · 6.22
Quick ratio
5.89▲
2024 · 5.81
Debt to equity
0.29▲
2024 · 0.17
ROE
11.1%▼
2024 · 19.5%
ROA
8.7%▼
2024 · 16.7%
Interest coverage
14.16▼
2024 · 39.25
Debt ≤ 1 year
€24k▼
2024 · €26k
Debt > 1 year
€25k
Income taxes
€8k▼
2024 · €12k
Staff costs
€297▼
2024 · €602
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €15k | - | - | - | - | - |
| Remuneration, social security and pensions62 | €10k | €42k | €19k | €602 | €297 | ▼ 50.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €3k | €4k | €5k | €28k | ▲ 438% |
| Other operating charges640/8 | €1k | €2k | €2k | €2k | €2k | ▲ 17.8% |
| Gross operating margin9900 | €36k | €92k | €49k | €50k | €61k | ▲ 22.8% |
| Operating profit (loss)9901 | €20k | €45k | €24k | €42k | €30k | ▼ 27.6% |
| Financial income75/76B | €66 | €252 | €366 | €180 | €353 | ▲ 96.3% |
| Recurring financial income75 | €66 | €252 | €366 | €180 | €353 | ▲ 96.3% |
| Financial charges65/66B | €303 | €980 | €1k | €1k | €4k | ▲ 243% |
| Recurring financial charges65 | €303 | €980 | €1k | €1k | €4k | ▲ 243% |
| Profit (loss) for the period before taxes9903 | €20k | €44k | €23k | €41k | €27k | ▼ 35.0% |
| Income taxes67/77 | €6k | €13k | €7k | €12k | €8k | ▼ 32.9% |
| Profit (loss) for the period9904 | €14k | €31k | €16k | €29k | €19k | ▼ 35.8% |
| Profit (loss) for the period to be appropriated9905 | €14k | €31k | €16k | €29k | €19k | ▼ 35.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €137k | €182k | €175k | €176k | €217k | ▲ 23.6% |
| Fixed assets21/28 | €5k | €5k | €11k | €17k | €66k | ▲ 295% |
| Tangible fixed assets22/27 | €5k | €5k | €11k | €16k | €66k | ▲ 306% |
| Plant, machinery and equipment23 | €4k | €4k | €7k | €5k | €13k | ▲ 158% |
| Furniture and vehicles24 | €937 | €393 | €4k | €11k | €10k | ▼ 8.0% |
| Leasing and similar rights25 | - | - | - | - | €43k | - |
| Financial fixed assets28 | €498 | €498 | €498 | €498 | €135 | ▼ 72.9% |
| Current assets29/58 | €132k | €177k | €164k | €159k | €151k | ▼ 5.1% |
| Stocks and contracts in progress3 | €5k | €14k | €11k | €10k | €12k | ▲ 20.2% |
| Stocks30/36 | €5k | €14k | €11k | €10k | €12k | ▲ 20.2% |
| Amounts receivable within one year40/41 | €43k | €32k | €37k | €45k | €51k | ▲ 13.3% |
| Trade receivables40 | €20k | €16k | €7k | €36k | €32k | ▼ 10.7% |
| Other amounts receivable41 | €23k | €16k | €30k | €9k | €19k | ▲ 106% |
| Cash at bank and in hand54/58 | €67k | €123k | €115k | €87k | €86k | ▼ 1.9% |
| Deferred charges and accrued income490/1 | €18k | €8k | €77 | €16k | €2k | ▼ 89.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €137k | €182k | €175k | €176k | €217k | ▲ 23.6% |
| Equity10/15 | €121k | €149k | €150k | €150k | €169k | ▲ 12.5% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €104k | €132k | €133k | €133k | €156k | ▲ 17.9% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €102k | €130k | €131k | €131k | €155k | ▲ 18.1% |
| Profit (loss) carried forward14 | €5k | €5k | €5k | €5k | €0 | ▼ 100% |
| Amounts payable17/49 | €16k | €33k | €25k | €26k | €48k | ▲ 88.7% |
| Amounts payable after more than one year17 | - | - | - | - | €25k | - |
| Financial debts170/4 | - | - | - | - | €25k | - |
| Amounts payable within one year42/48 | €16k | €33k | €25k | €26k | €24k | ▼ 8.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €9k | - |
| Trade debts44 | €10k | €27k | €22k | €23k | €13k | ▼ 44.0% |
| Suppliers440/4 | €10k | €27k | €22k | €23k | €13k | ▼ 44.0% |
| Taxes, remuneration and social security45 | €4k | €4k | €3k | €3k | €2k | ▼ 38.4% |
| Taxes450/3 | €2k | - | €2k | €1k | €0 | ▼ 100% |
| Remuneration and social security454/9 | €2k | €4k | €2k | €2k | €2k | = |
| Other amounts payable47/48 | €2k | €2k | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €31k | €16k | €29k | €19k | ▼ 35.8% |
| + Depreciation and write-downs630 | €4k | €3k | €4k | €5k | €28k | ▲ 438% |
| Operating cash flow (approximation) | €18k | €35k | €19k | €34k | €47k | ▲ 36.0% |
| Investment in fixed assets (approximation) | - | €-3k | €-10k | €-11k | €-78k | ▼ 633% |
| Change in cash | - | €56k | €-8k | €-28k | €-2k | ▲ 94.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €150k ▲0.1%
7 profitable years in a row build equity to €150k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €31k ▲127%
Operating result €45k, net result €31k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
31-12
Financial
Weakest financial yearnet €8k ▼73.7%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Equity above €100kEq €103k ▲39.6%
2 profitable years in a row build equity to €103k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
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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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, Bertem · 1 establishment unit since 2009
Ground area
689 m²
Building footprint
178 m²
Volume, LiDAR
1,093 m³
Parcel 24009A0547/00B003, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DVM Algemene Klusdienst
since 20092.181.989.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009A0547/00B003 | Flanders | 689 m² | 1 · 178 m² | 8.8 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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Of 7,044 companies in sector 43221 we hold annual accounts for 3,472. 2,955 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43320Joinery installation
43422Screed work
43910Bricklaying and masonry work
81220Other building cleaning and industrial cleaning
Scores and ratios are computed by Checked and are not a credit decision.