DYM CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of DYM CONSTRUCT is 2.3% (moderate). The 2024 annual accounts show equity of €111,885 and a net result of €5,927. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 74% of 9975 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability73▼-1
Solvency90▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 3.15 against 3.67 in 2023; short-term debt: 27.2% and cash: 14.8% of total assets), and 34.7% of the assets are financed with debt.
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Signals
Four 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
28 d late
2022
59 d late
2021
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 37 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€111,885▲ 5.6%
2023 · €105,958
Total assets
€171,424▼ 0.4%
2023 · €172,069
Net result
€5,927▼ 11.4%
2023 · €6,688
Working capital
€100,291▲ 11.4%
2023 · €89,992
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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
Line2021202220232024
Operating result€89,403-€35,817▼ 59.9%€6,777▼ 81.1%€8,180▲ 20.7%
Net result€70,230above the sector's middle half-€29,040above the sector's middle half▼ 58.7%€6,688within the sector's middle half▼ 77.0%€5,927within the sector's middle half▼ 11.4%
Equity€70,230within the sector's middle half-€99,270within the sector's middle half▲ 41.3%€105,958within the sector's middle half▲ 6.7%€111,885above the sector's middle half▲ 5.6%
Total assets€139,995within the sector's middle half-€159,777within the sector's middle half▲ 14.1%€172,069within the sector's middle half▲ 7.7%€171,424within the sector's middle half▼ 0.4%
Debt€69,765-€60,507▼ 13.3%€66,111▲ 9.3%€59,540▼ 9.9%
Working capital€59,463within the sector's middle half-€90,872above the sector's middle half▲ 52.8%€89,992above the sector's middle half▼ 1.0%€100,291above the sector's middle half▲ 11.4%
Solvency50.2%within the sector's middle half-62.1%within the sector's middle half▲ 12.0pp61.6%within the sector's middle half▼ 0.6pp65.3%within the sector's middle half▲ 3.7pp
Current ratio2.56within the sector's middle half-3.34above the sector's middle half▲ 0.783.67above the sector's middle half▲ 0.333.15above the sector's middle half▼ 0.51
Return on assets (ROA)50.2%above the sector's middle half-18.2%within the sector's middle half▼ 32.0pp3.9%within the sector's middle half▼ 14.3pp3.5%within the sector's middle half▼ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 21% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €171,424
Fixed assets
€24,582 ▼ 49.2%
Current assets
€146,842 ▲ 18.7%
Equity and liabilities €171,424
Equity
€111,885 ▲ 5.6%
Debt
€59,540 ▼ 9.9%
Debt's share of the balance-sheet total falls from 38.4% to 34.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31,945▲
2023 · €27,325
Cash flow
€29,691▲
2023 · €27,237
Debt to equity
0.53▼
2023 · 0.62
ROE
5.3%▼
2023 · 6.3%
Interest coverage
29.97▲
2023 · 26.42
Debt ≤ 1 year
€46,551▲
2023 · €33,730
Debt > 1 year
€12,173▼
2023 · €30,256
Income taxes
€2,537▼
2023 · €3,688
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,049 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.7%
stopped otherwise
94%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.3% 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 5,049 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 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €4,446 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,924 | €13,947 | €20,549 | €23,764 | ▲ 15.7% |
| Other operating charges640/8 | €9,438 | €1,257 | €1,620 | €1,682 | ▲ 3.9% |
| Gross operating margin9900 | €110,765 | €51,021 | €28,945 | €33,627 | ▲ 16.2% |
| Operating profit (loss)9901 | €89,403 | €35,817 | €6,777 | €8,180 | ▲ 20.7% |
| Financial income75/76B | €1,815 | €2,998 | €4,634 | €1,349 | ▼ 70.9% |
| Recurring financial income75 | €1,815 | €2,998 | €4,634 | €1,349 | ▼ 70.9% |
| Financial charges65/66B | €554 | €299 | €1,034 | €1,066 | ▲ 3.1% |
| Recurring financial charges65 | €554 | €299 | €1,034 | €1,066 | ▲ 3.1% |
| Profit (loss) for the period before taxes9903 | €90,664 | €38,517 | €10,376 | €8,463 | ▼ 18.4% |
| Income taxes67/77 | €20,433 | €9,477 | €3,688 | €2,537 | ▼ 31.2% |
| Profit (loss) for the period9904 | €70,230 | €29,040 | €6,688 | €5,927 | ▼ 11.4% |
| Profit (loss) for the period to be appropriated9905 | €70,230 | €29,040 | €6,688 | €5,927 | ▼ 11.4% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €139,995 | €159,777 | €172,069 | €171,424 | ▼ 0.4% |
| Fixed assets21/28 | €42,303 | €30,044 | €48,347 | €24,582 | ▼ 49.2% |
| Tangible fixed assets22/27 | €42,153 | €29,894 | €48,197 | €24,432 | ▼ 49.3% |
| Furniture and vehicles24 | €42,153 | €29,894 | €48,197 | €24,432 | ▼ 49.3% |
| Financial fixed assets28 | €150 | €150 | €150 | €150 | = |
| Current assets29/58 | €97,692 | €129,732 | €123,722 | €146,842 | ▲ 18.7% |
| Stocks and contracts in progress3 | - | €324 | - | - | - |
| Stocks30/36 | - | €324 | - | - | - |
| Amounts receivable within one year40/41 | €61,446 | €82,057 | €17,436 | €121,514 | ▲ 597% |
| Trade receivables40 | €13,121 | €36,735 | €8,286 | €74,838 | ▲ 803% |
| Other amounts receivable41 | €48,325 | €45,322 | €9,151 | €46,675 | ▲ 410% |
| Cash at bank and in hand54/58 | €35,531 | €47,351 | €10,847 | €25,328 | ▲ 134% |
| Deferred charges and accrued income490/1 | €714 | - | €95,439 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €139,995 | €159,777 | €172,069 | €171,424 | ▼ 0.4% |
| Equity10/15 | €70,230 | €99,270 | €105,958 | €111,885 | ▲ 5.6% |
| Profit (loss) carried forward14 | €70,230 | €99,270 | €105,958 | €111,885 | ▲ 5.6% |
| Amounts payable17/49 | €69,765 | €60,507 | €66,111 | €59,540 | ▼ 9.9% |
| Amounts payable after more than one year17 | €31,536 | €21,647 | €30,256 | €12,173 | ▼ 59.8% |
| Financial debts170/4 | €31,536 | €21,647 | €30,256 | €12,173 | ▼ 59.8% |
| Amounts payable within one year42/48 | €38,229 | €38,860 | €33,730 | €46,551 | ▲ 38.0% |
| Current portion of amounts payable after more than one year42 | €9,825 | €9,889 | €17,735 | €18,083 | ▲ 2.0% |
| Trade debts44 | €7,971 | €19,494 | €12,307 | €9,311 | ▼ 24.3% |
| Suppliers440/4 | €7,971 | €19,494 | €12,307 | €9,311 | ▼ 24.3% |
| Taxes, remuneration and social security45 | €20,433 | €9,477 | €3,688 | €19,156 | ▲ 419% |
| Taxes450/3 | €20,433 | €9,477 | €3,688 | €6,986 | ▲ 89.4% |
| Remuneration and social security454/9 | - | - | - | €12,170 | - |
| Accrued charges and deferred income492/3 | - | - | €2,125 | €816 | ▼ 61.6% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,230 | €29,040 | €6,688 | €5,927 | ▼ 11.4% |
| + Depreciation and write-downs630 | €11,924 | €13,947 | €20,549 | €23,764 | ▲ 15.7% |
| Operating cash flow (approximation) | €82,154 | €42,986 | €27,237 | €29,691 | ▲ 9.0% |
| Investment in fixed assets (approximation) | - | -€1,688 | -€38,851 | €0 | ▲ 100% |
| Change in cash | - | €11,820 | -€36,504 | €14,481 | ▲ 140% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €5,927 ▼11.4%
Net result drops to €5,927, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €100,000Eq €105,958 ▲6.7%
3 profitable years in a row build equity to €105,958.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 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, Mons · 1 establishment unit since 2026
Ground area
412 m²
Building footprint
131 m²
Volume, LiDAR
1,193 m³
Parcel 53043A0274/00G002, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DYM CONSTRUCT
since 20262.383.732.042
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53043A0274/00G002 | Wallonia | 412 m² | 1 · 131 m² | 11.2 m · 3 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 29,787 companies in sector 41001 we hold annual accounts for 16,056. 13,056 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
Founded16-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0745422333
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.