DVZ Constructions
ActiveSummary
The computed 12-month bankruptcy probability of DVZ Constructions is 4.0% (moderate). The 2025 annual accounts show equity of €18,593 and a net result of €16,148. Equity has been growing by about 360% per year since 2023. Its solvency ranks better than 48% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 27-06-2023 Normal situation
- Activity
- Joinery installation NACE 43320and 2 others
- Establishment unit
- 2.347.173.138 3920 Lommel, since 27-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 11-09-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 4.0%
- Gross margin
- €28,098
- ▲ 243%
- Turnover
- ≈ €170,000
- estimated
- Profit
- €16,148
- ▲ 994%
- Equity
- €18,593
- ▲ 660%
- Total assets
- €41,193
- ▲ 153%
Score breakdownraises riskFounded in 2023Liquidity: current ratio 1.57, cash €64, halved1 change of registered office in 24 monthslowers riskFigures for financial year 2025 (filed on 16-07-2026)Show the evidence
Checked score
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 49% of them on solvency, 13% on liquidity, 92% on profitability and 99% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 9 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 16-07-2026 at the NBB all 3 filings
2023 to 2025, 3 financial years
The operating result for 2025 is 8.4 times that of 2024 and the highest since 2023. It is the second rise in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Specialised construction activities (NACE 43). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €14,000 | - | - |
| Financial fixed assets | €1,127 | - | €0 |
| Depreciation and write-downs of the year | €13 | €4,667 | €4,667 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as DVZ Constructions: joinery installation (NACE 43320). They are comparable in size and age: total assets between €35,500 and €42,900, founded between 2022 and 2023.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| DVZ Constructions Lommel | 2023 | €41,193 | €18,593 | €28,098 | €16,148 | 2025 |
| DEN BERE Oostende | 2023 | €42,942 | €427 | €28,515 | €25,960 | 2025 |
| GuiBro Beersel | 2023 | €42,711 | €38,411 | €33,343 | €23,847 | 2025 |
| MaikCompany Sint-Lievens-Houtem | 2023 | €35,540 | €20,745 | €31,152 | €3,245 | 2025 |
| LCC Menuisier Dilbeek | 2023 | €35,595 | -€1,183 | €31,251 | €29,671 | 2025 |
| FIRE & SAFETY ACADEMY Maarkedal | 2023 | €41,685 | €25,792 | €25,367 | €15,315 | 2025 |
| ETS Marana Charleroi | 2022 | €41,875 | €31,080 | €32,028 | €14,085 | 2026 |
They were chosen from the 9,053 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 39,278 companies had the same profile as DVZ Constructions has now. Two years later, 1.8% had gone bankrupt and 95.9% were still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of DVZ Constructions itself is higher: 4.0% within 12 months. It rests on far more data about DVZ Constructions than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for DVZ Constructions. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13 | €4,667 | €4,667 | = |
| Other operating charges640/8 | €495 | €863 | €1,050 | ▲ 21.7% |
| Gross operating margin9900 | €10 | €8,196 | €28,098 | ▲ 243% |
| Operating profit (loss)9901 | -€498 | €2,667 | €22,382 | ▲ 739% |
| Financial income75/76B | €0 | €1 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €1 | €0 | ▼ 100% |
| Financial charges65/66B | €33 | €726 | €1,741 | ▲ 140% |
| Recurring financial charges65 | €33 | €726 | €1,741 | ▲ 140% |
| Profit (loss) for the period before taxes9903 | -€531 | €1,942 | €20,641 | ▲ 963% |
| Income taxes67/77 | - | €467 | €4,493 | ▲ 863% |
| Profit (loss) for the period9904 | -€531 | €1,475 | €16,148 | ▲ 994% |
| Profit (loss) for the period to be appropriated9905 | -€531 | €1,475 | €16,148 | ▲ 994% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €18,567 | €16,300 | €41,193 | ▲ 153% |
| Fixed assets21/28 | €15,114 | €10,448 | €5,781 | ▼ 44.7% |
| Tangible fixed assets22/27 | €13,987 | €9,321 | €4,654 | ▼ 50.1% |
| Furniture and vehicles24 | €13,987 | €9,321 | €4,654 | ▼ 50.1% |
| Financial fixed assets28 | €1,127 | €1,127 | €1,127 | = |
| Current assets29/58 | €3,453 | €5,852 | €35,412 | ▲ 505% |
| Amounts receivable within one year40/41 | €1,658 | €5,096 | €35,348 | ▲ 594% |
| Trade receivables40 | €320 | €404 | €0 | ▼ 100% |
| Other amounts receivable41 | €1,338 | €4,692 | €35,348 | ▲ 653% |
| Cash at bank and in hand54/58 | €1,795 | €756 | €64 | ▼ 91.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €18,567 | €16,300 | €41,193 | ▲ 153% |
| Equity10/15 | €969 | €2,445 | €18,593 | ▲ 660% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | = |
| Reserves13 | - | €945 | €17,093 | ▲ 18× |
| Distributable reserves133 | - | €945 | €17,093 | ▲ 18× |
| Profit (loss) carried forward14 | -€531 | €0 | - | - |
| Amounts payable17/49 | €17,598 | €13,855 | €22,600 | ▲ 63.1% |
| Amounts payable within one year42/48 | €17,598 | €13,855 | €22,600 | ▲ 63.1% |
| Trade debts44 | €6,929 | €5,338 | €4,157 | ▼ 22.1% |
| Suppliers440/4 | €6,929 | €5,338 | €4,157 | ▼ 22.1% |
| Advances received on contracts in progress46 | - | - | €13,471 | - |
| Taxes, remuneration and social security45 | €3 | €8,517 | €4,972 | ▼ 41.6% |
| Taxes450/3 | €3 | €8,517 | €4,972 | ▼ 41.6% |
| Other amounts payable47/48 | €10,666 | €0 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€531 | €1,475 | €16,148 | ▲ 994% |
| + Depreciation and write-downs630 | €13 | €4,667 | €4,667 | = |
| Operating cash flow (approximation) | -€518 | €6,142 | €20,815 | ▲ 239% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | -€1,039 | -€692 | ▲ 33.4% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Shareholders
- VANZONHOVEN Des 100 shares (100%) · €1,500 in cash
Capital transactions
- 29-06-2023 Incorporation · €1,500 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Geheel van bevoegdheden aan hem toegekend,met mogelijkheid deel te delegeren, iedere bestuurder,alleen optredend,mag alle handelingen…”“Voorzitter, bij afwezigheid oudste aanwezige bestuurder, meerderheid leden aanwezig of vertegenwoordigd indien meerdere bestuurders”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Articles of association, deed of 29-06-2023 (in Dutch)
Network & group
DVZ Constructions shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of DVZ Constructions. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
04-05
Gazette deed
Registered office moved from Houthalen-Helchteren to LommelDirector in office2 points ▸
- Registered-office move, Torenstraat 3, 3920 Lommel
- Director in office, Des Vanzonhoven (director)
29-06
Gazette deed
IncorporationStarting capital €1,500 · Appointment: VANZONHOVEN Des (director) · Founder10 points ▸
- Incorporation, 26-06-2023
- Founder, VANZONHOVEN Des
- Founding capital, €1,500
- Bank account, “bewijs van deponering afgeleverd door ING Bank”, 1500 (deed in Dutch)
- Share issue, “vergoeding voor inbrengen”, 100 (deed in Dutch)
- Other provision, “statutair onbeschikbare eigen vermogensrekening, beschikt niet over een statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen die eruit voortvloeien en alle activiteiten ondernomen” (deed in Dutch)
- Registered office clause, “3530 Houthalen-Helchteren,Torenstraat 32” (deed in Dutch)
- Director appointment, VANZONHOVEN Des (director)
- Other provision, “voorafgaande toelatingen of vergunningen voor uitvoering voorwerp, notaris aandacht gevestigd op feit dat vennootschap in uitvoering van voorwerp kan verplicht…” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
DVZ Constructions was incorporated on 27 June 2023 as a private limited company by one natural person, with a starting capital of €1,500.12 The registered office was moved to Lommel in 2026.3 Since 2023, VANZONHOVEN Des has served as director.4 Total assets rose from €18,567 in 2023 to €41,193 in 2025.5
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0803.227.108
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72345B1275/00L000 | Flanders | 485 m² | 1 · 151 m² | - |