DVS-HOME
ActiveSummary
The computed 12-month bankruptcy probability of DVS-HOME is 2.2% (moderate). The 2025 annual accounts show equity of €130k and a net result of €20k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 7445 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+1
Solvency92▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 2.36 in 2024; short-term debt: 28% and cash: 40.3% of total assets), and 32.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 6 filingsDeviation from the deadline
2025
54 d late
2024
on the day
2023
35 d late
2022
30 d late
2021
20 d early
2020
38 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€130k▲ 18.0%
2024 · €110k
2020: €55k
2021: €69k
2022: €70k
2023: €92k
2024: €110k
2020 → 2025
Total assets
€193k▲ 2.2%
2024 · €189k
2020: €137k
2021: €159k
2022: €253k
2023: €261k
2024: €189k
2020 → 2025
Net result
€20k▲ 7.7%
2024 · €18k
2020: €50k
2021: €18k
2022: €4k
2023: €21k
2024: €18k
2020 → 2025
Working capital
€102k▲ 42.6%
2024 · €71k
2020: €52k
2021: €45k
2022: €37k
2023: €55k
2024: €71k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€70k▲ 1.5%€92k▲ 30.2%€110k▲ 20.1%€130k▲ 18.0%
Operating result€23k-€7k▼ 67.2%€32k▲ 324%€27k▼ 15.5%€30k▲ 11.2%
Net result€18k-€4k▼ 76.6%€21k▲ 405%€18k▼ 13.5%€20k▲ 7.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€37k ▼ 42.9%
Current assets
€156k ▲ 25.9%
Equity and liabilities €193k
Equity
€130k ▲ 18.0%
Debt
€63k ▼ 19.9%
Debt's share of the balance-sheet total falls from 41.8% to 32.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▲
2024 · €56k
Cash flow
€49k▲
2024 · €47k
Current ratio
2.88▲
2024 · 2.36
Debt to equity
0.49▼
2024 · 0.72
ROE
15.3%▼
2024 · 16.7%
ROA
10.3%▲
2024 · 9.7%
Interest coverage
10.62▼
2024 · 19.98
Debt ≤ 1 year
€54k▲
2024 · €53k
Debt > 1 year
€9k▼
2024 · €27k
Income taxes
€6k▲
2024 · €6k
Staff costs
€285▼
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€189k€193k▲
Fixed assets21/28€65k€37k▼
Tangible fixed assets22/27€63k€35k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€12k€2k▼
Leasing and similar rights25€38k€23k▼
Other tangible fixed assets26€10k€9k▼
Financial fixed assets28€2k€2k=
Current assets29/58€124k€156k▲
Stocks and contracts in progress3€12k-
Stocks30/36€12k-
Amounts receivable within one year40/41€84k€78k▼
Trade receivables40€45k€39k▼
Other amounts receivable41€39k€39k▲
Cash at bank and in hand54/58€27k€78k▲
Deferred charges and accrued income490/1€883-
Equity and liabilities
Total equity and liabilities10/49€189k€193k▲
Equity10/15€110k€130k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Share premium1100/10€6k€6k=
Reserves13€104k€104k=
Distributable reserves133€104k€104k=
Profit (loss) carried forward14-€20k
Amounts payable17/49€79k€63k▼
Amounts payable after more than one year17€27k€9k▼
Financial debts170/4€27k€9k▼
Amounts payable within one year42/48€53k€54k▲
Current portion of amounts payable after more than one year42€23k€17k▼
Taxes, remuneration and social security45€24k€35k▲
Taxes450/3€24k€28k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€5k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€285▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€30k▲
Other operating charges640/8€6k€3k▼
Gross operating margin9900€87k€62k▼
Operating profit (loss)9901€27k€30k▲
Financial income75/76B€206€2k▲
Recurring financial income75€206€2k▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€24k€26k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€18k€20k▲
Profit (loss) for the period to be appropriated9905€18k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€20k▲
Transfer to equity691/2€18k-
To other reserves6921€18k-
The notes to these accounts (8 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
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 54 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €110k ▲20.1%
5 profitable years in a row build equity to €110k.
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 35 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €4k ▼76.6%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
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.
Directors · office · real estate
Directors
2 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, Sint-Gillis-Waas · 1 establishment unit since 2019
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.
Nieuwkerkenstraat(SGW) 19170 Sint-Gillis-WaasGround area
573 m²
Building footprint
151 m²
Volume, LiDAR
800 m³
Parcel 46020D0726/00G000, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DVS-HOME
since 20192.285.897.347
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020D0726/00G000 | Flanders | 573 m² | 1 · 151 m² | 9.8 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 573 EUR awarded · 573 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 309 EUR | 309 EUR |
| 2024 | 1 | 99 EUR | 99 EUR |
| 2022 | 1 | 165 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
ROCCA BAT
BE 0831.893.576
Etterbeek · Eq €110,094
Goveia Construct
BE 0750.991.222
Vorst · Eq €110,108
Ad Hoc Constructions
BE 0466.693.229
Genappe · Eq €110,041
DSB CONSTRUCT
BE 0656.626.751
Sint-Jans-Molenbeek · Eq €109,950
VAN DOOREN
BE 0419.185.203
Hoogstraten · Eq €109,946
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,220 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.